Bank Timings in India – Updated Banking Hours for 2025

Suppose you leave work early by 4:00 PM to visit the bank for an urgent cash withdrawal, only to find the shutters down because the branch has already closed as the bank closing timings were 3:00 PM. Frustrating, right? 

Bank timings play a crucial role in our financial activities, whether we withdraw cash, deposit money, apply for a loan, or access our bank locker. Understanding banks' exact opening and closing hours ensures that we never face unnecessary delays or disappointments.

This guide provides a detailed breakdown of banking hours for some of India’s major banks, including ICICI Bank, SBI, Axis Bank, PNB, and Yes 
Bank/IDBI Bank.

Why Knowing Bank Timings is Important?

Banking is an essential part of our daily routine, and knowing the operational hours helps in:

• Avoiding last-minute rush and failed transactions
• Ensuring timely deposits and withdrawals
• Planning financial transactions around holidays and weekends
• Reducing waiting time at branches

With the shift towards digital banking, many transactions can now be done online. However, some services, like large cash deposits, demand drafts, or loan-related enquiries, still require a branch visit.

Bank Timings for Major Indian Banks

Each bank follows specific working hours, which may vary depending on the location and branch. Below is a detailed breakdown of the opening and closing times of major banks in India.

Bank-Wise Timings Breakdown

ICICI Bank Timings 

• Banking Hours: ICICI Bank operates weekdays from 9:30 AM to 3:00 PM. It remains open on the 1st, 3rd, and 5th Saturdays, while the 2nd and 4th Saturdays and Sundays are non-working days.
  
  
• Lunch Hours: A staggered lunch break between 1:00 and 2:00 PM ensures uninterrupted service.
  
  
• Cash Transactions: Deposits and withdrawals are available from 9:30 AM to 3:00 PM.
  
  
• Customer Support: There is a 24/7 toll-free helpline for general queries and loan and credit card support from 9:00 AM to 6:00 PM.

SBI Bank Timings 

• Banking Hours: SBI operates from 10:00 AM to 4:00 PM on weekdays. It remains closed on Sundays and the 2nd and 4th Saturdays.
  
  
• Lunch Break: 1:30 PM–2:30 PM; services may be slower.
  
  
• Cash Transactions: Deposits and withdrawals are available from 10:00 AM to 4:00 PM.
  
  
• Locker Facility: Accessible during working hours; check with your branch for extended access.
  
  
• Customer Support: 24/7 helpline for general queries. Loan-related support is available from 9:30 AM to 5:30 PM.

Axis Bank Timings 

• Banking Hours: Axis Bank operates from 9:30 AM to 3:30 PM, Monday through Saturday, except on the 2nd and 4th Saturdays.
• Lunch Break: Staggered between 1:00 and 2:00 PM, ensuring uninterrupted service.
• Cash Transactions: Deposits and withdrawals are available until 3:30 PM. Arrive early for large transactions.
• Locker Facility: Available during working hours; some branches extend access until 5:00 PM.
• Customer Support: 24/7 helpline for banking queries, ensuring round-the-clock assistance.

Punjab National Bank (PNB) Timings 

• Banking Hours: PNB operates from 10:00 AM to 4:00 PM Monday through Friday and on the first, third, and fifth Saturdays. The bank remains closed on Sundays and the second and fourth Saturdays.
  
  
• Lunch Break: 1:30–2:30 PM, with staggered breaks to ensure uninterrupted service.
  
  
• Cash Transactions: Deposits and withdrawals are available until 3:30 PM. Large transactions may require additional documentation.
  
  
• Customer Support: There is a 24/7 toll-free helpline for general banking. Loan-related support is available from 9:30 AM to 5:30 PM. Online chat, email, and branch visits are also available for assistance.

Yes Bank & IDBI Bank Timings

• Banking Hours: Both banks operate from 9:30 AM to 3:30 PM, Monday to Friday, and 1st, 3rd, and 5th Saturdays. They remain closed on Sundays and 2nd and 4th Saturdays.
  
  
• Lunch Break: 1:00–2:00 PM, with staggered breaks ensuring continuous service.
  
  
• Locker Access: Available during working hours; customers can visit anytime before closing.
  
  
• Customer Support: There is a 24/7 toll-free helpline for general queries. Loan and credit card-related support is available from 9:30 AM to 5:30 PM via phone, email, and online chat.

Digital Banking Timings 

Digital banking has revolutionised financial management, offering 24/7 access to essential services without visiting a branch.

• Net & Mobile Banking: Fund transfers, bill payments, and account management are available anytime, ensuring seamless transactions.
  
  
• NEFT Timings: Available 24/7, with transactions processed every 30 minutes, including weekends and holidays.
  
  
• RTGS Timings: Operates from 7:00 AM – 6:00 PM on working days, processing high-value transactions instantly.
  
  
• IMPS & UPI Payments: Instant, 24/7 fund transfers using mobile numbers, UPI IDs, or bank details, making payments hassle-free.
  
  
• ATM Services: Available round-the-clock for withdrawals, balance inquiries, mini-statements, and PIN changes.

With digital banking, customers enjoy convenience, security, and accessibility without time restrictions. Whether transferring funds or checking balances, these services ensure smooth financial transactions anytime, anywhere.

Best Time to Visit a Bank

While digital banking is convenient, some transactions require a branch visit. To avoid long queues, follow these tips:

• Best Time: Visit between 10:00 AM and 12:00 PM when staff availability is high, and queues are shorter.
• Worst Time: Avoid 1:00–2:30 PM, as lunch breaks may slow down service.
• Peak Hours: Due to increased customer visits, Mondays and post-holiday mornings are the busiest. Midweek days offer faster service.

By planning visits wisely, customers can complete their transactions quickly and efficiently, avoiding unnecessary delays.

Public Holidays and Bank Closures 

Banks follow a structured holiday schedule based on national and regional observances. Knowing these closures helps customers plan transactions efficiently.

• National Holidays: Banks across India remain closed on:
  • Republic Day (January 26)
  • Independence Day (August 15)
  • Gandhi Jayanti (October 2)
    
    
• Bank Holidays: Per RBI regulations, banks are closed on Sundays and the 2nd and 4th Saturdays of each month.
  
  
• State-Specific Holidays: Banks also observe regional holidays based on local festivals and government mandates. These vary by state, so customers should check with their respective banks for specific dates.

Customers can use digital banking services like NEFT, IMPS, UPI, and ATM withdrawals for urgent banking needs during holidays. Online banking ensures uninterrupted access to essential financial services, making transactions smooth even on non-working days.

Conclusion

Knowing bank opening and closing times can save time, reduce stress, and help you plan better. Understanding their schedules ensures smooth financial transactions when visiting ICICI Bank, SBI, Axis Bank, PNB, or Yes Bank/IDBI Bank.

For added convenience, digital banking and 24/7 ATM services allow customers to manage their finances anytime, anywhere. However, planning is always the best approach for tasks that require a branch visit.

Next time you need to visit a bank, remember: timing is everything.

FAQs Related to Bank Timings in India

What is the bank closing time in India?
Most banks in India close at 4:00 PM, but timings may vary by branch and by Bank.

What is the lunchtime in banks as per RBI?
RBI does not mandate a fixed lunchtime. Banks generally have lunch breaks between 1:00 PM – 3:00 PM in shifts to ensure service continuity.

What are SBI bank timings today?
SBI branches usually operate from 10:00 AM to 4:00 PM, Monday to Saturday (except 2nd & 4th Saturdays).

What is the opening time of the Bank of India today?
Bank of India branches typically open at 10:00 AM, but it may vary based on location.

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