Bank Holidays in September 2025: Complete List of Public, Regional, and National Holidays

Introduction

Bank holidays play a significant role in planning financial transactions, official work, and personal schedules. Every month, the Reserve Bank of India (RBI) releases a list of holidays that apply to both public sector and private sector banks. These holidays are categorized into national holidays, state-specific regional holidays, and weekly offs (Sundays and second/fourth Saturdays).

If you are someone who has important banking tasks such as money transfers, loan payments, or cheque clearances, it’s crucial to know about the bank holidays in September 2025. This month comes with several important holidays across different states, including religious festivals, regional celebrations, and official observances.

In this detailed guide, we will cover the complete list of bank holidays in September 2025, their significance, and tips for planning your banking work accordingly.

Types of Bank Holidays in India

Before diving into the September 2025 schedule, let’s understand the types of bank holidays:

1. National Holidays – These are mandatory holidays observed across India, such as Republic Day, Independence Day, and Gandhi Jayanti.

2. Regional Holidays – State-level holidays based on local festivals, culture, and traditions.

3. RBI-Gazetted Holidays – Holidays declared by the Reserve Bank of India that apply to all banks in the country.

4. Weekly Holidays – All banks remain closed on Sundays and on the second and fourth Saturday of each month.

The bank holidays in September 2025 will include a mix of these categories.

Complete List of Bank Holidays in September 2025

Here is a state-wise and date-wise breakdown of bank holidays in September 2025:

Major Festivals and Observances in September 2025

1. Ganesh Chaturthi – September 1, 2025

Ganesh Chaturthi marks the birth of Lord Ganesha, the remover of obstacles. Maharashtra, Karnataka, Telangana, and Andhra Pradesh celebrate this festival with grandeur. Banks remain closed in these states, so customers should plan transactions accordingly.

2. Onam – September 8, 2025

Onam is Kerala’s harvest festival, celebrated with grand feasts, boat races, and cultural performances. Banks in Kerala will remain closed, though online services will be available.

3. Anant Chaturdashi – September 23, 2025

This day marks the immersion of Lord Ganesha idols after Ganeshotsav. Banks in Maharashtra, Goa, and Gujarat will observe a holiday.

4. Eid-e-Milad – September 29, 2025

Also known as Mawlid al-Nabi, this Islamic festival commemorates the birth of Prophet Muhammad. Banks in states like Jammu & Kashmir, Kerala, Uttar Pradesh, West Bengal, and Maharashtra will remain closed.

RBI Guidelines for Bank Holidays

The Reserve Bank of India (RBI) categorizes bank holidays under three types:

1. Holiday under the Negotiable Instruments Act

2. Holiday under the Negotiable Instruments Act and Real-Time Gross Settlement Holiday

3. Banks’ Closing of Accounts

The bank holidays in September 2025 are notified in advance, ensuring transparency for customers. While physical branches will be closed, online and digital banking will remain unaffected.

Bank Holidays in September 2025: Weekly Offs

As per RBI rules, banks in India follow a 5-day working week with closures on Sundays and the second and fourth Saturdays. For September 2025:

• Sundays: September 7, 14, 21, 28

• Second Saturday: September 6

• Fourth Saturday: September 20

This means there will be 6 weekly offs in addition to festival-specific holidays.

Impact of Bank Holidays in September 2025

For Customers

• Cheque clearances may take longer.

• Cash withdrawals and deposits through branches will be unavailable.

• Loan EMIs, credit card payments, and standing instructions scheduled on holidays may be processed on the next working day.

For Businesses

• Salary disbursements and vendor payments may be delayed.

• Inter-state transactions requiring physical documentation could face interruptions.

For Investors

• Stock market trading holidays are separate from bank holidays, but fund transfers to demat accounts may face delays during long weekends.

How to Manage Banking Needs During Holidays

Even though banks remain closed physically, digital services are always available. Customers can manage their work during bank holidays in September 2025 by:

1. Using Net Banking and Mobile Banking – Transfer funds, pay bills, and check balances.

2. ATMs and Cash Deposits – Most ATMs and cash deposit machines function 24/7.

3. UPI and Wallets – UPI-based apps like PhonePe, Google Pay, and Paytm work seamlessly even on holidays.

4. Advance Planning – If you need to deposit cheques or withdraw large amounts, plan before the holidays.

Regional Differences in Bank Holidays

Not all states in India observe the same holidays. For example:

• Ganesh Chaturthi is a major holiday in Maharashtra but not in Punjab.

• Onam is celebrated in Kerala but is a working day in Gujarat.

• Eid-e-Milad may be a holiday in some states but not across the entire country.

This is why checking the state-wise list of bank holidays in September 2025 is important.

Bank Holidays vs. Public Holidays

It’s essential to understand that bank holidays in September 2025 may differ from government/public holidays. While banks may remain closed on certain days, government offices, stock markets, or private companies may continue to function.

FAQs on Bank Holidays in September 2025

1. How many bank holidays are there in September 2025?
There are around 10–12 holidays including weekly offs, depending on your state.

2. Will online banking work during bank holidays?
Yes, online banking, UPI, and ATMs will continue to function.

3. Are all Saturdays bank holidays?
No, only the second and fourth Saturdays are holidays.

4. Will cheque clearances be delayed due to holidays?
Yes, if deposited before a holiday, clearance may be processed on the next working day.

5. Do private banks follow the same holiday list?
Yes, both public and private banks follow the RBI-mandated holiday list.

Conclusion

The bank holidays in September 2025 include important festivals like Ganesh Chaturthi, Onam, Anant Chaturdashi, and Eid-e-Milad, along with regular weekly holidays. While physical banking services will be unavailable on these days, online banking ensures that essential transactions continue smoothly.

To avoid delays, customers are advised to plan their banking activities in advance, especially for cheque clearances, cash withdrawals, and EMI payments. Knowing the complete list of holidays helps businesses and individuals manage their financial activities without disruptions.

In summary, the bank holidays in September 2025 are more than just days off—they are opportunities to plan ahead, enjoy festivals, and make use of digital banking convenience.