Bank holidays next week will impact banking services across several Indian states between 22 December and 28 December, with banks remaining shut for up to six days in some regions.

As per the Reserve Bank of India Holiday Matrix for FY 2025-26, released on 28 August 2024, closures will be due to a combination of regional festivals, Christmas, weekends and the fourth Saturday. The RBI holiday list is available on its official website under Banking → Holidays section.

According to a report by LiveMint, banks in certain states will observe consecutive holidays, making advance financial planning essential for customers
(Source: LiveMint, published December 2025).

Full List of Bank Holidays Between 22–28 December

State-wise holiday details

As per the RBI’s official calendar, bank holidays next week will be observed as follows:

Bank Holidays Next Week (22–28 December)

Date	Affected States	Reason
22 December (Monday)	Gangtok	Losoong / Namsoong (Sikkimese New Year)
24 December (Wednesday)	Aizawl, Kohima, Shillong	Christmas Eve
25 December (Thursday)	All States	Christmas
26 December (Friday)	Aizawl, Kohima, Shillong	Christmas celebrations
27 December (Saturday)	All States	Fourth Saturday
28 December (Sunday)	All States	Weekly holiday

According to The Economic Times, December has one of the highest numbers of bank holidays, with 15 holidays declared for the month as per the RBI’s state-wise calendar
(Source: Economic Times, December 2025).

Why Bank Holidays Vary Across States in India

Bank holidays in India are determined by the RBI Holiday Matrix, which factors in national holidays, regional festivals, religious observances, Sundays, and second and fourth Saturdays. The Holiday Matrix for FY 2025-26, notified via RBI circular on 28 August 2024, confirms that banks are closed on all Sundays and the second and fourth Saturdays nationwide.

Loans marketplace platform LoansJagat, in its December holiday coverage, highlighted that bank holidays directly affect branch-based services such as cheque clearance and in-person loan processing, while digital platforms remain functional

Another LoansJagat analysis noted that during holiday-heavy weeks, online banking usage rises significantly, especially for EMI payments and fund transfers

Banking Services Available Despite Branch Closures

What customers can still access

Despite physical closures during bank holidays next week, the RBI has clarified that core banking services continue through digital channels.

Services Available on Bank Holidays

Service	Status
UPI, Mobile & Net Banking	Available
ATM withdrawals & deposits	Available
NEFT & RTGS	Available (as per RBI batch timings)
Debit & Credit Card transactions	Available
Cheque clearing	Not available
Branch-based services	Not available

According to Business Standard, digital banking transactions tend to peak during holiday clusters, particularly during December

What Stakeholders Are Saying

An RBI official, while releasing the Holiday Matrix on 28 August 2024, stated that “the objective is to ensure transparency in banking operations while maintaining uninterrupted access through digital banking infrastructure.”

Conclusion

Bank holidays next week will disrupt physical banking services in several regions, but digital banking ensures continuity. Customers are advised to rely on online platforms and plan branch visits accordingly.

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