September 2025 Bank Holidays: 15 Days of Closures Across India — What’s Open and What to Plan

September’s 15 bank holidays: what it means for your money

Circle the dates. Banks across India will be shut for as many as 15 days in September 2025, a mix of national and state holidays layered on top of the usual weekly offs. That doesn’t mean every branch everywhere is closed for 15 days straight. It means different states shut on different festival days, while everyone observes Sundays and the second and fourth Saturdays. If you rely on branch counters, cash pickups, or in-person documentation, you’ll want to plan ahead.

The Reserve Bank of India’s (RBI) holiday calendar for September marks closures under the Negotiable Instruments Act, 1881. Those notifications also set trading holidays for key market segments such as government securities, foreign exchange, the money market, and rupee interest rate derivatives. Retail digital rails—UPI, IMPS, NEFT, and net banking—remain available round the clock, but anything that needs a teller, a signature, or a physical instrument won’t move on a bank holiday.

The month opens with a heavy day of closures on September 5 for Id-E-Milad (Mawlid) and Thiruvonam across several states, including Gujarat, Mizoram, Maharashtra, Karnataka, Madhya Pradesh, Tamil Nadu, Uttarakhand, Telangana (Hyderabad), Andhra Pradesh (Vijayawada), Manipur, Jammu & Kashmir (Jammu and Srinagar), Uttar Pradesh, Kerala, New Delhi, and Jharkhand. There is one important local exception: the Maharashtra government has shifted the public holiday for Eid-e-Milad in Mumbai City and Mumbai Suburban to September 8. So, if your branch is in Mumbai, your Eid holiday is on the 8th, not the 5th.

Past that opening week, closures continue in select regions for the Friday following Eid-i-Milad-ul-Nabi on September 12, for Navratra Sthapna on September 22, and for the Birthday of Maharaja Hari Singh Ji on September 23. Add in the routine weekly offs—second Saturday (September 13), fourth Saturday (September 27), and all Sundays (September 7, 14, 21, and 28)—and you get a month where branch availability tightens significantly. Depending on your state, a few more regional observances may be in play, which is how the monthly tally reaches 15 non-working days.

Two things to keep in mind. First, the 15-day figure is an all-India count: it’s the sum of nationwide weekly offs plus the broadest set of regional holidays. Your own city will likely see fewer. Second, bank holidays apply to brick-and-mortar counters and certain clearing operations. Digital payments typically run as usual.

What’s closed, what stays open, and how to plan

Here’s the simplified picture for the month:

• September 2025 bank holidays (key dates): Sept 5 (Id-E-Milad/Thiruvonam, multi-state), Sept 8 (Eid-e-Milad in Mumbai City and Suburban districts), Sept 12 (Friday following Eid-i-Milad-ul-Nabi, select regions), Sept 22 (Navratra Sthapna, regional), Sept 23 (Birthday of Maharaja Hari Singh Ji, regional).
• Weekly offs nationwide: all Sundays (Sept 7, 14, 21, 28), second Saturday (Sept 13), and fourth Saturday (Sept 27).
• Market holidays (as notified by RBI): G-Sec, forex, money markets, and rupee interest rate derivatives are shut on RBI-specified days.

What’s closed on these days: branch counters, locker operations, in-person KYC and account updates, demand draft issuance at the counter, certain documentation processes (like loan disbursals that need signatures), and physical cheque clearing via the Cheque Truncation System (CTS). Any cheque you drop in a box during a holiday will be taken up on the next working day.

What stays open: UPI, IMPS, NEFT, RTGS, internet and mobile banking, and ATMs. Expect normal fund transfers between accounts. Auto-debits for EMIs and subscriptions typically continue through NACH/UPI as configured by your bank or lender. ATMs generally operate, but high-traffic areas can see temporary cash-outs around long weekends and festival peaks—top up a day early if you can.

State-wise variation matters. India’s bank holiday framework blends central notifications with state government orders. A festival day in one state may be a normal working day in another. That’s why September 5 is a closure in many states, yet Mumbai’s official Eid holiday has moved to September 8. If you live in a border city or bank across state lines, check both locations.

Here’s how to avoid last-minute snags:

• Cheques and drafts: If you need funds to clear right after a holiday, deposit at least a day earlier. Inter-city cheques may need extra float time.
• High-value cash: Plan large withdrawals and deposits before the holiday stretch. Cash logistics during festivals can be tight.
• Business payments and salaries: Schedule vendor payouts and payroll through NEFT/RTGS/UPI a day or two early to avoid morning-of bottlenecks.
• Account opening and KYC: Book appointments for working days; video-KYC slots can be limited during busy weeks.
• Locker access: Don’t leave it to the holiday eve. Branches often run shorter counters on festival afternoons even on working days.

For market participants, note that when RBI marks a trading holiday for government securities or forex, related settlement activities pause. Treasury desks, interbank call money markets, and rupee interest rate derivatives are offline on those days. Equity exchanges may follow their own holiday lists, so traders should check their broker or exchange circulars for any overlap.

A quick recap of the headline dates people are already asking about:

• September 5: Id-E-Milad/Thiruvonam closures across a wide set of states.
• September 8: Eid-e-Milad shift for Mumbai City and Suburban districts (Maharashtra’s order applies locally).
• September 12: Friday following Eid-i-Milad-ul-Nabi in specific jurisdictions.
• September 22: Navratra Sthapna (regional observances, primarily in northern belts).
• September 23: Birthday of Maharaja Hari Singh Ji (Jammu & Kashmir).
• Sundays: September 7, 14, 21, 28.
• Second and fourth Saturdays: September 13 and 27.

Two practical notes before you queue up. First, branch operating hours around festivals can be shorter even on working days due to staff deployment for crowd management and cash balancing. If you have a same-day cutoff—like a bank draft you need issued before a property registration—go early in the day. Second, keep your mobile numbers and email updated with the bank so you don’t miss alerts on failed cheques or standing instructions deferred to the next working day.

If you’re unsure whether your branch is open on a particular date, look at three sources: your bank’s in-app holiday list for your home branch, the RBI’s state-wise holiday calendar for the month, and any local government notification (especially for metro districts like Mumbai that issue city-level orders). When in doubt, use digital channels and schedule branch work for the nearest clear business day.