Bank Holidays in October 2025: RBI Calendar and State-Wise List

Bank Holidays in October 2025- Quick Highlight

The Reserve Bank of India (RBI) has published the official list of bank holidays for October 2025. In addition to all Sundays and second & fourth Saturdays, closures include major festivals like Maha Navami (Oct 1), Vijayadashami (Oct 2), Diwali / Lakshmi Puja (Oct 20), and Bhai Dooj (Oct 23).

Bank Holidays in October 202I

October is one of India’s busiest festive months — from Navratri to Diwali, the season is filled with celebrations and family gatherings. But it’s also a crucial month for banking customers. The RBI’s holiday calendar ensures uniform closures across public, private, cooperative, and rural banks.

Knowing these dates helps you plan deposits, withdrawals, EMIs, and payments in advance. Here’s the full picture of October 2025 bank holidays and what they mean for you.

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RBI’s Role in Declaring Bank Holidays

The Reserve Bank of India (RBI) issues a holiday schedule every year under three categories:

• National and Gazetted Holidays (common nationwide).
• Regional Festival Holidays (specific to certain states).
• Weekly Closures (all Sundays, plus second & fourth Saturdays).

This calendar applies to all banks in India, ensuring customers and businesses can plan financial activities with confidence.

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The Fixed Closures You Can Always Count On for Bank Holidays in October 2025

For October 2025, like every other month:

• All Sundays (Oct 5, Oct 12, Oct 19, Oct 26).
• Second and Fourth Saturdays (Oct 11 and Oct 25).

These are blanket holidays nationwide. No matter which state you are in, branches will remain closed on these days.

Key Festival Bank Holidays in October 2025

Along with weekly closures, October 2025 includes major festival holidays as per RBI’s regional lists:

• Maha Navami — Wed, Oct 1 (Bihar, Karnataka, Kerala, Odisha, Tamil Nadu, etc.)
• Vijayadashami / Dussehra — Thu, Oct 2 (celebrated across India)
• Dhanteras — Sat, Oct 18 (regional states)
• Diwali / Lakshmi Puja — Mon, Oct 20 (main Diwali day, closures vary by state)
• Govardhan Puja — Wed, Oct 22 (regional)
• Bhai Dooj — Thu, Oct 23 (Gujarat, Uttar Pradesh, Uttarakhand, etc.)

⚠️ Note: RBI declares state-wise variations for the Diwali holiday cluster. Always check your local branch notice or RBI’s state holiday list.

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What Bank Holidays in October 2025 Means for You

Plan Before Holidays: For cash withdrawals, cheque deposits, or passbook updates, visit your branch a day before the holiday.

• Digital Banking Works: UPI, internet banking, and mobile apps remain active even when branches are closed.
• Settlement & EMI Dates: If your EMI, FD maturity, or payment due date falls on a holiday, processing moves to the next working day under RBI norms.

By keeping track of these dates, you can enjoy the festivals without financial disruptions.

Why Tracking Bank Holidays Matters

• From an NFSTUBE perspective, this holiday list is more than just dates:
  • For Families: Plan festive purchases and travel with cash and banking needs covered.
  • For Businesses: SME owners and traders rely on smooth cheque-clearing cycles.
  • For Everyone: Avoid stress by aligning payments, deadlines, and transactions with RBI’s holiday schedule.
  Bank holidays = smoother planning, smarter celebrations.

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Bank Holidays in October 2025 FAQs

Q. Who decides bank holidays in India?

A. The Reserve Bank of India (RBI) issues an annual holiday calendar, which all banks — public, private, cooperative, and rural — must follow.

Q. Are bank holidays the same across India?

A. Not always. While Sundays and second & fourth Saturdays are common nationwide, festival holidays vary by state. For example, Maha Navami is observed in Tamil Nadu and Karnataka but not in every state.

Q. Will online banking work on these holidays?

A. Yes. Digital services like internet banking, mobile apps, UPI, and ATMs remain active, even when branches are closed. Only cheque-clearing and branch-dependent services are paused.

Q. What are the main bank holidays in October 2025?

A. Key holidays include Maha Navami (Oct 1), Vijayadashami (Oct 2), and Bhai Dooj (Oct 23), along with all Sundays and the second & fourth Saturdays.

Q. What happens if my EMI or deposit maturity falls on a bank holiday?

A. Banks typically shift processing to the next working day, ensuring no penalties or disruptions.

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Check the RBI holiday calendar before October begins. Plan your cash, deposits, and payments smartly this festive season.

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Disclaimer: This article is intended for informational purposes only. For queries or corrections, please reach out via our Contact Form. Also refer to our Disclaimers & Transparency.

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