14-April-2026, 01:00 PM, Banks across several parts of India are observing a holiday for Ambedkar Jayanti and other regional festivals. However, bank branches are not closed uniformly across the country, as the Reserve Bank of India’s holiday calendar follows state- and city-specific schedules.
Customers planning to visit a bank branch should therefore check whether their local branch is operating before making a trip.
Why Are Banks Closed?
The bank holiday is linked to the birth anniversary of Dr. B. R. Ambedkar, which is observed as Ambedkar Jayanti.
The occasion coincides with several regional festivals in different parts of the country, including Baisakhi, Vishu, Tamil New Year, Bohag Bihu, Maha Vishuva Sankranti and other local celebrations.
Because bank holidays can vary by location, the closure does not apply to every branch in India.
Are Banks Open or Closed?
Bank branches are closed in many cities and states according to the RBI holiday schedule.
At the same time, branches remain operational in selected locations.
According to the holiday schedule, branches remain open in places including Aizawl, Bhopal, Itanagar, Kohima, New Delhi, Raipur, Shillong and Shimla.
Customers in these locations can access regular branch services, subject to the operating arrangements of their individual bank.
Where Are Banks Closed?
Physical bank branches are closed in several major cities.
The list includes locations such as Mumbai, Bengaluru, Chennai, Kolkata, Hyderabad, Ahmedabad, Jaipur, Lucknow, Patna, Kochi, Guwahati, Chandigarh, Dehradun, Jammu and Srinagar, among others.
The exact holiday status depends on the city and the applicable RBI holiday schedule.
Customers should therefore verify the status of their particular branch before visiting.
Digital Banking Services Remain Available
A physical branch closure does not mean that all banking services stop.
Customers can continue using digital banking facilities such as internet banking and mobile banking.
UPI payments, online fund transfers and other digital transactions generally remain available during bank holidays.
ATM services also continue to operate, allowing customers to withdraw cash and carry out other supported transactions.
This means that many routine banking requirements can still be handled without visiting a branch.
Ambedkar Jayanti and Regional Festivals
The bank holiday coincides with several important regional occasions.
Ambedkar Jayanti marks the birth anniversary of Dr. B. R. Ambedkar, one of the principal architects of India’s Constitution.
The same period also includes regional celebrations such as Baisakhi, Tamil New Year, Vishu, Bohag Bihu and other traditional festivals.
Because these occasions are observed differently across states, the corresponding bank holiday schedule also varies by location.
What Customers Should Know
Customers who need branch-based services should check the holiday status before visiting.
Services that require physical interaction with bank employees may not be available when a branch is closed.
These can include submitting certain documents, completing some account-related procedures and carrying out services that require in-person verification.
Digital services, however, can continue to provide access to many routine banking facilities.
ATMs and UPI
ATM services remain useful during bank holidays because customers can continue to withdraw cash where ATM facilities are available.
UPI payments can also be used for everyday transactions without requiring a visit to a bank branch.
Mobile and internet banking services provide additional options for checking account balances, transferring funds and managing other routine banking requirements.
Customers should remember that some transactions may have processing or settlement timelines that depend on the banking system and the type of transaction.
Why Bank Holidays Vary by State
India’s banking holiday calendar is not identical across all states.
The RBI’s holiday framework includes holidays under different categories, including those connected with local festivals and regional observances.
As a result, a bank branch may be closed in one city while another branch in a different part of the country remains open on the same day.
This is why checking the city-wise holiday schedule is important.
When Will Normal Branch Services Resume?
Branches that are closed for the holiday will resume normal operations on their next scheduled working day.
The exact reopening schedule can vary depending on whether another local holiday or weekly closure follows.
Customers with urgent banking requirements can continue using digital channels where the required service is available.
For branch-specific work, checking the bank’s official communication or contacting the local branch is advisable.
Bank Holiday List
The RBI’s holiday calendar includes different holidays throughout the year based on national occasions, festivals and regional observances.
April has several holidays affecting different states and cities.
After the Ambedkar Jayanti-related closure, additional regional holidays can affect branches in selected parts of the country.
Customers should therefore check the applicable RBI holiday calendar when planning important branch visits.
Planning Banking Transactions
Customers who need branch-based banking services should plan their visits around the applicable holiday schedule. Services such as cash deposits, cheque-related work, document submission and certain account requests may require a physical branch visit and may not be available when the branch is closed.
For routine requirements, customers can continue using online and mobile banking facilities where available. UPI can be used for digital payments, while ATMs can provide access to cash and other supported services.
It is also important to remember that different banks may have their own customer-service arrangements, even when branches follow the RBI holiday calendar. Customers with urgent requirements should check their bank’s official communication or contact the relevant branch before visiting.
Checking the location-specific holiday list in advance can help customers avoid unnecessary trips and ensure that important banking work is completed on the next available working day.
Conclusion
The bank holiday does not mean that every bank branch across India is closed.
Many branches are shut in observance of Ambedkar Jayanti and regional festivals including Baisakhi, Vishu and Tamil New Year, while selected locations continue to operate.
Customers who need physical branch services should check their local bank’s holiday status before visiting.
At the same time, digital banking services such as internet banking, mobile banking, UPI and ATM facilities remain available for many routine transactions.
The key point for customers is to check the location-specific holiday schedule rather than assuming that all bank branches across India have the same operating status.
Source: RBI holiday calendar, Moneycontrol
