If you have important banking work scheduled for July 2026, it's a good idea to plan ahead. According to the Reserve Bank of India's (RBI) holiday calendar, banks across the country will remain closed on several days during the month due to regional festivals, cultural events, and regular weekend holidays.

Since bank holidays in India vary from state to state, customers should check the list applicable to their location before visiting a branch. While physical branches will remain closed on designated holidays, digital banking services such as UPI, internet banking and ATMs will continue to operate.

Here's a complete overview of bank holidays in July 2026.

Why Banks Will Remain Closed in July

The RBI classifies bank holidays under various categories, including national holidays, state-specific festivals, and weekly closures. As a result, not every holiday applies across the country.

In July 2026, several states will observe holidays for local festivals and commemorative events, while all banks nationwide will remain closed on Sundays and the second and fourth Saturdays.

State-Wise Bank Holidays in July 2026

July 6, 2026 – Mizoram

Banks in Mizoram will remain closed on the occasion of MHIP Day (Mizo Hmeichhe Insuihkhawm Pawl Day), observed in recognition of the state's prominent women's organization.

July 9, 2026 – Meghalaya

Bank branches in Meghalaya will remain closed for Beh Deinkhlam, one of the state's most significant traditional festivals celebrated by the Pnar community.

July 16, 2026 – Odisha, Uttarakhand and Manipur

Banks will remain closed in selected states due to regional festivals:

• Odisha: Rath Yatra
• Uttarakhand: Harela Festival
• Manipur: Regional holiday as notified by state authorities

July 17, 2026 – Meghalaya

Banks in Meghalaya will remain closed to observe the death anniversary of U Tirot Sing, a respected freedom fighter and tribal leader.

July 18, 2026 – Sikkim

Bank branches in Sikkim will remain closed for Drukpa Tshe-zi, an important Buddhist festival celebrated across the state.

July 22, 2026 – Tripura

Banks in Tripura will remain closed on account of Kharchi Puja, one of the state's major religious festivals.

Weekend Bank Holidays in July 2026

In addition to festival-related holidays, banks across India will remain closed on all Sundays as well as the second and fourth Saturdays, in line with RBI regulations.

The weekend holidays are:

Total Bank Holidays During the Month

Taking both regional holidays and scheduled weekend closures into account, banks will observe up to 12 holidays during July 2026. However, the actual number of holidays applicable to you will depend on your state, as several festival holidays are region-specific.

Customers are therefore advised to verify the holiday schedule issued by their respective banks or state authorities before planning branch visits.

Banking Services That Will Continue to Operate

Although bank branches will remain closed on designated holidays, most digital banking services will continue to function without interruption.

UPI and Mobile Banking

Customers can continue making payments and transferring money using UPI platforms such as:

• Google Pay
• PhonePe
• Paytm
• BHIM
• Official mobile banking applications

ATM Services

Cash withdrawals, balance enquiries and other ATM services will remain available throughout the holiday period.

Internet Banking

Customers can continue accessing internet banking portals to:

• Transfer funds.
• Pay utility bills.
• Manage deposits.
• View account statements.
• Request banking services online.

NEFT and RTGS

Electronic fund transfer services, including NEFT and RTGS, will remain operational through digital channels in accordance with RBI's current payment system guidelines.

Plan Your Branch Visits in Advance

If you need services that require visiting a bank branch—such as submitting documents, updating KYC details, processing demand drafts, or completing account-related formalities—it is advisable to complete them on working days before the scheduled holidays.

While digital banking has significantly reduced the need for branch visits, certain services still require in-person verification and may not be available during holidays.

Final Takeaway

July 2026 includes several bank holidays due to regional festivals, cultural observances and regular weekend closures. Before visiting a branch, customers should confirm whether banks in their state are open on the intended date.

Fortunately, essential digital banking services, including UPI, mobile banking, internet banking, ATMs and online fund transfers, will remain available throughout the month, allowing customers to complete most financial transactions even when physical branches are closed.