Bank Holidays in October 2025: RBI Calendar and State-Wise List of Dates

As the festive season approaches, October 2025 is set to bring a string of bank holidays across India. With important festivals like Gandhi Jayanti, Diwali, and Chhath Puja falling this month, banks will remain closed on several dates. The Reserve Bank of India (RBI) has already issued its official calendar, listing both national holidays and state-specific observances. Here’s a complete guide to help you plan your finances and avoid last-minute trouble.

RBI and Its Role in Declaring Holidays

The Reserve Bank of India publishes a holiday calendar each year. This calendar applies to all scheduled banks—public, private, cooperative, rural, and local area banks. While digital banking continues to function, physical branches follow this schedule for closures.

Weekly Closures Across All States

Like every month, banks will remain closed on all Sundays and the second and fourth Saturdays. In October 2025, these fixed closures fall on:

• Sundays: October 5, 12, 19, 26

• Second Saturday: October 11

• Fourth Saturday: October 25

Gandhi Jayanti and Dussehra

On October 2 (Thursday), banks across the country will remain shut to mark Mahatma Gandhi’s birth anniversary. This day also coincides with Dussehra in many states, making it one of the most widely observed holidays of the month.

Maha Navami and Regional Celebrations

The festive season kicks off on October 1 (Wednesday) with Maha Navami/Ayudha Puja. States like Karnataka, Kerala, Odisha, Tamil Nadu, and Bihar will see banks closed for the occasion. While not a nationwide holiday, it holds major regional importance.

Maharishi Valmiki Jayanti

October 7 (Tuesday) is observed as Maharishi Valmiki Jayanti in states including Delhi, Haryana, and Karnataka. On this day, banks in these states will remain closed, while others operate normally.

Diwali: The Big Festival of Lights

The highlight of October is undoubtedly Diwali on October 20 (Monday). Banks will remain closed across most states including Maharashtra, Gujarat, Uttar Pradesh, Delhi, and Tamil Nadu. Since it is a peak shopping season, people are advised to complete important financial work a day in advance.

Bhai Dooj

Following Diwali, October 23 (Thursday) will be observed as Bhai Dooj in states like Gujarat, Uttar Pradesh, Uttarakhand, and Sikkim. It is a regional holiday, so while some states see bank closures, others will function normally.

Chhath Puja in Bihar and Jharkhand

Towards the end of the month, October 27 (Monday) marks Chhath Puja, an important festival in Bihar and Jharkhand. Banks in these states will be closed, while elsewhere it remains a working day.

Sardar Vallabhbhai Patel Jayanti

On October 31 (Friday), Gujarat observes a holiday in honour of Sardar Vallabhbhai Patel’s birth anniversary. Banks in the state will remain closed, while the rest of India continues regular operations.

Digital Banking Remains Active

Even when bank branches are closed, customers can continue to use net banking, UPI apps, debit and credit cards, and ATMs. However, services like cheque clearing and branch-based transactions will be deferred to the next working day.

How to Plan Ahead

With multiple closures in October, customers should plan in advance. Cheque deposits, large cash withdrawals, or loan-related work should ideally be completed a day before the holiday. Businesses relying on bank transactions should particularly note these dates to avoid disruptions.

Final Word

October 2025 will be packed with holidays, thanks to the festive season. From Gandhi Jayanti to Diwali and Chhath Puja, bank closures will be spread throughout the month. By keeping track of these RBI-declared holidays and planning accordingly, individuals and businesses can ensure their financial activities run smoothly without last-minute hiccups.