Bank Holiday Today — All Banks Closed on Saturday, July 26

Bank Holiday Today — All Banks Closed on Saturday, July 26

Banks across India are closed today, Saturday July 26, 2025, as it’s the RBI-listed Fourth Saturday bank holiday. Use online banking services for transactions.

Nationwide Bank Closure: Understanding Today's Holiday

Today, Saturday, July 26, 2025, marks a significant banking holiday across India. All public and private sector banks will remain closed for regular customer transactions. This nationwide closure is a scheduled observance, primarily due to the Reserve Bank of India (RBI) guidelines that designate the second and fourth Saturdays of every month as bank holidays.

While physical bank branches will not be operational, essential digital banking services will continue to function seamlessly. This report provides comprehensive details on the nature of today's bank holiday, the services affected, and the readily available alternatives for your financial transactions.

Why Are Banks Closed Today, July 26, 2025?

The closure of banks today, July 26, 2025, is in accordance with the standing policy adopted by the Reserve Bank of India (RBI) and the Indian Banks' Association (IBA). In 2015, the RBI announced that all Saturdays would be holidays for banks, with the first and third Saturdays being working days, and the second and fourth Saturdays being holidays.

• Fourth Saturday Rule: Today falls on the fourth Saturday of July 2025, making it a mandatory bank holiday for all commercial banks in India.
• RBI Guidelines: This rule is part of the RBI's comprehensive list of bank holidays, which includes national holidays, state-specific festivals, and these designated Saturdays.
• Employee Welfare: This policy aims to provide bank employees with a consistent two-day weekend, improving work-life balance.

It is important to differentiate this from other types of bank holidays, such as those declared under the Negotiable Instruments Act, which can be state-specific. The Fourth Saturday holiday is uniformly observed across the entire country.

Services Affected: What You Can't Do at the Bank Today

On a bank holiday, all physical operations at bank branches are suspended. This means you will not be able to perform the following transactions in person:

• Cash Deposits and Withdrawals: Over-the-counter cash transactions are not available.
• Cheque Deposits: Physical cheque deposits at the counter or drop boxes might be cleared only on the next working day.
• Demand Draft (DD) Issuance: Issuance of DDs will be paused.
• Locker Access: Access to bank lockers is generally unavailable.
• Loan Applications/Disbursements: Processing of new loan applications or disbursements will be halted.
• Account Opening: New bank account openings cannot be done in person.
• Customer Service: Direct in-branch customer service and grievance redressal will not be available.

Any transactions requiring manual processing or direct interaction with bank staff will be affected.

Digital Banking: Your Seamless Alternative for Transactions

Fortunately, the digital infrastructure of Indian banking ensures that most essential services remain accessible despite branch closures. You can rely on the following digital channels for your financial needs today:

• ATMs: Automated Teller Machines will be fully operational for cash withdrawals, balance inquiries, and mini statements. Ensure you use ATMs of your own bank or those with sufficient cash.
• Mobile Banking Apps: Your bank's mobile application allows you to transfer funds (NEFT, IMPS, UPI), pay bills, check balances, and manage various other services from the convenience of your smartphone.
• Internet Banking: Online banking portals provide a comprehensive suite of services, including fund transfers, fixed deposit creation, loan repayments, and statement viewing.
• UPI (Unified Payments Interface): For instant, real-time payments, UPI applications like Google Pay, PhonePe, Paytm, and BHIM will work without interruption.
• IMPS (Immediate Payment Service): Available 24x7, IMPS allows instant interbank electronic fund transfers.
• NEFT (National Electronic Funds Transfer): While NEFT operates 24x7, 365 days a year, transactions initiated today will be processed as usual.
• Credit/Debit Card Transactions: Point-of-Sale (POS) transactions using your debit or credit cards will function normally for purchases.

It is advisable to utilize these digital platforms for all urgent transactions to avoid any inconvenience.

Key Things to Remember for Today's Bank Holiday

• Plan Ahead: For any large cash transactions or services requiring physical branch visits, plan them for the next working day.
• Digital First: Prioritize digital banking channels for all routine transactions.
• ATM Availability: While ATMs are operational, they might experience higher usage, so plan your cash withdrawals accordingly.
• Customer Support: Bank customer care helplines and online support might still be available for queries, but complex issues might require branch intervention on a working day.

The next working day for banks will be Monday, July 28, 2025, unless there is another state-specific holiday in your region.

Conclusion: Embrace Digital Convenience

Today, Saturday, July 26, 2025, marks a scheduled bank holiday across India due to the Fourth Saturday rule. While physical bank branches will remain closed, the robust digital banking ecosystem ensures that most of your financial needs can be met without interruption.

Leverage mobile banking, internet banking, ATMs, and UPI for seamless transactions. Plan any branch-dependent activities for the next working day to ensure a smooth banking experience.