Banks Closed On These Days from December 15th to December 20th

December is typically one of the year’s busiest banking months in India, with several regional and national holidays scheduled before the fiscal year end. The Reserve Bank of India (RBI) issues a bank holiday calendar every year detailing dates on which banks will remain closed across states and Union Territories (UTs). This calendar helps customers plan financial transactions such as cheque deposits, cash withdrawals, and branch visits well ahead of time.

In the week 15–20 December 2025, some bank branches across India will be closed on multiple days due to state-specific events and regional observances. 

These closures affect in-branch services (like loans, passbook updates, and cash deposits), though digital banking (UPI, net banking, ATMs) continues to operate. 

Understanding which days banks are closed, state-wise, can save time, money, and inconvenience for individuals and businesses alike.

Holidays Scheduled Between 15 – 20 December 2025

Here’s a concise summary of the bank holidays occurring this week and why they are observed. The RBI calendar for December includes national holidays (like Christmas) and regional observances (for example, elections or cultural festivals), which are recognised in specific states.
 

Between 15–20 December 2025, banks will remain closed on 15 Dec (Arunachal Pradesh), 18 Dec (Meghalaya), 19 Dec (Goa) and 20 Dec (Sikkim) due to state-specific holidays. 

Across the rest of India, banks will generally remain open on those days unless there are local variations specific to districts or election notifications. Sunday closures and second/fourth Saturday holidays also apply independently of these dates.

Nationwide vs State-Specific Bank Holidays

Not all bank holidays are national. In India, the RBI calendar specifies:

• National holidays: observed by all scheduled banks (e.g., 25 Dec – Christmas).
• Regional holidays: observed only in particular states (e.g., Losoong/Namsoong in Sikkim).
• Weekly closures: All banks close on Sundays, and also on the second and fourth Saturdays of each month as per RBI guidelines.

For example, on 15 December 2025, banks in Arunachal Pradesh are closed because some regions are holding Panchayati Raj and municipal elections; however, banks elsewhere remain open for regular business unless there are other pre-notified regional closures.

Understanding this distinction helps customers avoid unnecessary trips. Even on a state holiday, digital banking, UPI, internet banking, and ATMs remain functional nationwide, even if in-branch services are paused.

Why Bank Holidays Matter to Customers and Businesses?

Bank holidays impact multiple services:

• Cheque clearances and RTGS/NEFT settlements may be delayed as these services often require bank-office processing.
• Cash transactions and branch visits need planning around closures to avoid last-minute inconvenience.
• Business cash flows, especially for small traders and merchants, depend on bank working days for deposits and loan disbursements.
• International transactions may also be delayed if Indian banks are closed on specific days.

For financial planning, it’s crucial to track not just national holidays but also state-specific closures because they impact local bank branches and certain financial operations.

How to Check Bank Working Status Easily?

Customers can check whether their local branch will be open or closed on any given day in December by:

1. Referring to the RBI bank holiday calendar published online (RBI website and bank websites).
2. Checking state-wise announcements from banks (often communicated via SMS, email, or branch notice boards).
3. Using banking apps or official sites that list holidays and working days for branches.

Remember, even on holidays, digital banking services and ATMs remain available, letting users transfer money, pay bills, and access accounts without visiting a branch.

Conclusion

For the week of 15–20 December 2025, scheduled bank holidays across India include state-specific closures on 15 Dec (Arunachal Pradesh), 18 Dec (Meghalaya), 19 Dec (Goa) and 20 Dec (Sikkim). These are in addition to regularly observed Sundays and second/fourth Saturdays. 

While bank branches will be shut, digital services like UPI, net-banking, and ATMs remain open and functional nationwide.

To avoid interruption, customers should plan cash withdrawals, cheque deposits and other in-branch needs around these dates. Checking the full RBI bank holiday calendar provides clarity on all regional and national closures throughout December and helps streamline financial planning.

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