India bank holidays: RBI calendar, state holidays and UPI

Are banks closed on 2 October 2026?

Yes. RBI’s October 2026 calendar lists Friday, 2 October, as a Mahatma Gandhi Jayanti holiday in every regional centre. Arrange branch visits for another working day.

Are all bank holidays the same across India?

Many festival holidays vary by region. Check the relevant city in RBI’s holiday calendar (opens in a new tab), selecting the month and year you need. A nationwide count of holiday dates does not describe every branch’s closures.

RBI also specifies holidays on the second and fourth Saturdays. In October 2026, those fall on 10 and 24 October.

Does UPI work on bank holidays?

Yes. NPCI describes UPI as available 24 hours a day, seven days a week, independently of bank working hours. A holiday does not itself switch UPI off; an individual transaction can still fail or remain pending.

For small everyday payments, see Janooji's explainer on how UPI Lite works, including its current limits and PIN rules.

How should I plan a branch visit?

Confirm your branch’s next working day before going. A successful digital transfer does not mean the branch is open for in-person services.

October 2026 dates checked against RBI on 1 October 2026.