Is September 6 a Bank Holiday? Here’s the State-Wise Update
Understanding bank holidays in India is an important part of financial planning for individuals, businesses, and institutions. Every year, the Reserve Bank of India (RBI) releases a comprehensive list of holidays under three categories: Holiday under the Negotiable Instruments Act, Holiday under Negotiable Instruments Act and Real Time Gross Settlement Holiday, and Bank Account Closing Days. These lists serve as guidelines for banks across the country, while state governments and union territories also declare additional public holidays according to regional customs, festivals, and local observances.
On September 6, 2025 (Saturday), many people are curious to know if banks across India will remain closed or open. This question arises because September marks the season of major festivals like Onam, Ganesh Chaturthi, and Id-e-Milad, all of which can impact working days of banks in specific states.
Let us explore in detail the state-wise status of bank operations on September 6, 2025, while also understanding how the Indian banking holiday structure works, why it varies regionally, and what people can do to plan financial activities effectively.
Why People Ask About Bank Holidays on September 6, 2025
September 6, 2025, falls on a Saturday. In India, Saturdays are usually working days for most banks, except for the second and fourth Saturdays of the month, when all banks remain closed nationwide. Since September 6 happens to be the first Saturday of the month, banks are not automatically closed across the country.
However, banks may remain closed in certain states due to regional holidays. This is why it is important to verify whether September 6 has been declared a holiday in any specific region. For September 2025, the RBI calendar and state gazette notifications indicate that Id-e-Milad (Milad-un-Nabi), the observance of Prophet Muhammad’s birth anniversary, falls around this period. Different states observe it on different dates, which is why the situation differs.
RBI Holiday System and Its Role
The Reserve Bank of India categorizes bank holidays as follows:
- Holidays under the Negotiable Instruments Act, 1881 – These are declared for festivals, national events, or regional occasions and vary from state to state.
- Holidays under the Negotiable Instruments Act and Real Time Gross Settlement Holiday – These include nationwide closures for operational purposes.
- Bank Account Closing Day – Typically falls on April 1 every year, when banks remain closed to finalize their yearly accounts.
This structure ensures that while core national holidays such as Republic Day, Independence Day, and Gandhi Jayanti are common across the country, festivals like Onam, Eid, Durga Puja, and Bihu are region-specific.
Thus, whether September 6, 2025, is a holiday depends on state-wise observances.
September 6, 2025: State-Wise Bank Holiday Status
Based on official notifications, here is the detailed state-wise status for bank holidays on September 6, 2025:
- Gangtok (Sikkim) – Banks remain closed on September 6 due to Id-e-Milad observance.
- Jammu (Jammu & Kashmir) – Banks remain closed for Id-e-Milad.
- Raipur (Chhattisgarh) – Banks observe a holiday on account of Id-e-Milad.
- Srinagar (Jammu & Kashmir) – Banks remain closed for Id-e-Milad.
- Other States – Banks remain open because September 6 is the first Saturday, and no additional local holiday has been declared in most other regions.
This means that September 6 is not a nationwide bank holiday, but specific states will observe closures.
Id-e-Milad and Its Observance in India
To understand why September 6 is a holiday in some states, we must also look at the significance of Id-e-Milad.
- Id-e-Milad, also known as Milad-un-Nabi or Mawlid, marks the birth anniversary of Prophet Muhammad.
- Different sects and communities observe it on different days, which is why dates may vary regionally.
- In 2025, several states including Sikkim, Jammu & Kashmir, and Chhattisgarh have declared September 6 as the observance date.
- Other states may observe it on September 5, which is why we saw state-wise closures on that date as well.
This variation explains why some banks remain open while others close.
Impact on Banking Services
When banks are closed for regional holidays, it impacts physical services like:
- Over-the-counter cash deposits and withdrawals
- Cheque clearance
- Demand draft issuance
- In-branch financial advisory
However, digital services remain unaffected. Customers can still use:
- UPI transactions
- NEFT and IMPS services
- Internet banking
- Mobile banking apps
- ATM withdrawals
Thus, even if your local branch is closed, online financial services work seamlessly.
How Bank Customers Can Plan Ahead
- Check the RBI Calendar – Always verify national and state-wise bank holidays for the year.
- Confirm with Local Branch – State and district-level variations exist, so check with your branch.
- Use Digital Banking – For urgent payments, rely on UPI, NEFT, or IMPS.
- Complete Major Transactions Early – If you are in Gangtok, Jammu, Raipur, or Srinagar, finish cash or cheque-related tasks by September 5.
- Plan Business Payments – Traders, shopkeepers, and salaried employees should align payment cycles accordingly.
Bank Holiday Trends in September 2025
September is usually a month packed with festivals and regional holidays. In 2025, these are the highlights:
- September 5 – Id-e-Milad observed in several states including Kerala (Onam overlap).
- September 6 – Id-e-Milad holiday in Sikkim, Jammu, Raipur, Srinagar.
- September 13 – Second Saturday, banks closed nationwide.
- September 20 – Ganesh Chaturthi in Maharashtra and a few other states.
- September 27 – Fourth Saturday, banks closed nationwide.
This shows how September remains busy for both customers and banks.
Frequently Asked Questions (FAQs)
Q1. Is September 6, 2025, a national bank holiday?
No. It is not a nationwide bank holiday. Only select states observe closures.
Q2. Which states have bank holidays on September 6, 2025?
Banks remain closed in Gangtok, Jammu, Raipur, and Srinagar.
Q3. Are online banking services affected?
No. Online transactions including UPI, NEFT, and IMPS remain fully functional.
Q4. Why are there differences in holiday dates for Id-e-Milad?
Because different states and religious groups follow different calendars.
Q5. Do private banks follow the same holiday schedule?
Yes. All scheduled commercial banks, whether public or private, follow the RBI list and state notifications.
Conclusion
To summarize, September 6, 2025, is not a nationwide bank holiday in India. Banks in Sikkim (Gangtok), Jammu, Raipur, and Srinagar will remain closed for Id-e-Milad, while in the rest of the country, banks will function normally since it is only the first Saturday of the month.
For customers, the key takeaway is simple:
- If you are in the mentioned states, complete transactions before September 6.
- If you are elsewhere, you can expect normal banking operations.
- Use digital banking services for uninterrupted access to financial transactions.
Bank holidays in India always depend on a combination of RBI guidelines, state notifications, and festival calendars. Hence, it is always wise to check the official RBI holiday list at the beginning of every year and keep track of state-wise variations to avoid last-minute inconvenience
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