The holiday list varies by state and is officially notified by the Reserve Bank of India (RBI) through its holiday matrix.

What happens when a festival calendar collides with national holidays and weekends in the same month? October 2025 will see one of the longest stretches of bank closures in recent memory.

Reports published in Indiatimes in September 2024 and Livemint in early 2025 confirmed that banks will be closed for around 21 days in October 2025, including 15 scheduled holidays and weekly offs. This has raised concerns for customers planning transactions, especially around festivals such as Gandhi Jayanti, Dussehra, Diwali and Chhath Puja.

RBI Bank Holiday List October 2025

The Reserve Bank of India publishes an annual holiday calendar under the Negotiable Instruments Act, 1881. In this list, October 2025 emerges as one of the heaviest holiday months.

According to Economic Times report dated 20 September 2024, Gandhi Jayanti on 2 October 2025 (Thursday) overlaps with Dussehra in several states. The next major break arrives on 20 October 2025 (Monday) when Diwali is observed in most states.

The reports also mention regional holidays like Maha Navami on 1 October 2025 and Chhath Puja on 27 and 28 October 2025, which are state-specific but widely observed. The cumulative effect of these dates, along with Sundays and the 2nd and 4th Saturdays, takes the count close to 21 days.

The main nationwide closures, as reported, can be seen in the table below:

Date	Day	Holiday / Occasion	Reported By
1 October	Wednesday	Maha Navami	BankBazaar Report 2024
2 October	Thursday	Gandhi Jayanti / Dussehra	Economic Times, Sep 2024
20 October	Monday	Diwali / Deepavali	India Briefing, 2024
27-28 Oct	Mon-Tue	Chhath Puja	The Federal, 2024

These are the anchor dates around which other state-level holidays will rotate. Readers are advised to check the official RBI circulars for branch-wise applicability.

State Wise Bank Holidays October 2025

Holidays in India are not uniform. The RBI authorises state governments and union territories to declare additional observances under local customs. This means that state wise bank holidays October 2025 differ, and customers need to plan based on where their branch is located.

A comparison of different states shows how the same month carries unique closures. For instance, Chhath Puja affects banks in Bihar and Uttar Pradesh but not in southern states. Diwali is common across western and northern India, while Durga Puja dominates eastern states such as West Bengal and Assam.

State / UT	Dates Of Holidays	Remarks
Delhi / NCT	2 Oct, 20 Oct	National closures only
Maharashtra	20 Oct (Diwali)	Regional observance
Bihar / UP	27-28 Oct (Chhath Puja)	Two-day regional closure
West Bengal	1-2 Oct (Durga Puja)	Extended festive closure

This table explains why customers are often caught off guard. A state may remain open when another has a festival closure. Checking the local RBI notification or bank notice is the safest step.

Banking in October 2025 Faces Longest Break in Five Years With 21 Holidays

The term bank holiday calendar October 2025 India refers to the combined picture of gazetted holidays, restricted holidays and weekly closures. Gazetted holidays are mandated at the national level, like Gandhi Jayanti. Restricted holidays apply in selected states, such as Chhath Puja. Weekly closures cover all Sundays and the 2nd and 4th Saturdays under RBI rules issued in 2015.

Reports from Mint and Times of India confirmed that in October 2025, the calendar looks more crowded than in previous years. In fact, Mint’s 2024 report had recorded only 17 holidays in October 2024, showing a difference of four days when compared to the October 2025 calendar.

Type Of Closure	Number Of Days	Notes
Sundays	4	Standard RBI closure
2nd & 4th Saturday	2	Non-working days
Scheduled Holidays	15	As per RBI
Total	21	Including regional observances

The 21-day tally is the reason October 2025 is expected to be one of the longest non-working stretches for the banking sector in the last five years.

Conclusion

October 2025 brings together national holidays, regional festivals and weekly closures into a single crowded month. The RBI bank holiday list October 2025 confirms that 15 scheduled holidays, along with weekends, will stretch the closure count to about 21.

The state wise bank holidays October 2025 highlight that no two states follow the same list. The bank holiday calendar October 2025 India shows a structure of gazetted, restricted and weekly holidays. And the RBI official bank holidays October 2025 ensure that even small entries like Maha Navami and Bhai Dooj are not missed.

For customers and businesses, the October 2025 bank holidays by state are not only about planning cash withdrawals but also about understanding how reforms such as faster cheque clearance will shape banking in the festive season. October will test how India balances tradition with modern financial systems.

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