Check the detailed list of bank holidays in October 2025 across India. Know the national holidays, regional festivals, RBI guidelines, and how they may affect banking services.
Introduction
Bank holidays play a crucial role in our financial planning as they directly impact everyday banking operations like cash deposits, withdrawals, cheque clearances, NEFT, RTGS, and IMPS transactions. In India, bank holidays are declared under the Negotiable Instruments Act 1881, by the Reserve Bank of India (RBI) and state governments.
October is one of the most festive months in India, marked by major celebrations like Mahatma Gandhi Jayanti, Durga Puja, Dussehra, Eid-e-Milad-un-Nabi, and Diwali preparations. Hence, banks across various states remain closed on different dates. Let’s look at the detailed list of Bank Holidays in October 2025 .
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Bank Holidays in October 2025: National and Regional
The bank holiday calendar differs from state to state. While Gandhi Jayanti (2nd October) is a national holiday observed across India, festivals like Durga Puja, Dussehra, Lakshmi Puja, or Eid-e-Milad-un-Nabi may vary regionally.
Here’s the comprehensive list:
Complete List of Bank Holidays in October 2025
| Date | Day | Holiday | States/Regions Observed |
|---|---|---|---|
| 1 October 2025 | Wednesday | Durga Puja (Maha Saptami) | West Bengal, Odisha, Assam, Tripura |
| 2 October 2025 | Thursday | Gandhi Jayanti | Nationwide |
| 2 October 2025 | Thursday | Durga Puja (Maha Ashtami) | West Bengal, Odisha, Assam |
| 3 October 2025 | Friday | Durga Puja (Maha Navami) | Eastern & North-Eastern states |
| 4 October 2025 | Saturday | Durga Puja / Dussehra (Vijaya Dashami) | Multiple states |
| 6 October 2025 | Monday | Lakshmi Puja (Kojagari) | West Bengal, Odisha |
| 7 October 2025 | Tuesday | Eid-e-Milad-un-Nabi* | Most states (date may vary) |
| 11 October 2025 | Saturday | Second Saturday Bank Holiday | Nationwide |
| 19 October 2025 | Sunday | Maharishi Valmiki Jayanti | Delhi, Haryana, Karnataka, others |
| 25 October 2025 | Saturday | Fourth Saturday Bank Holiday | Nationwide |
| 26 October 2025 | Sunday | Diwali (Deepavali) | Several states |
| 27 October 2025 | Monday | Govardhan Puja / Bali Pratipada | North & Western states |
| 28 October 2025 | Tuesday | Bhai Dooj | North & Western India |
(Note: Dates of Islamic holidays like Eid-e-Milad depend on moon sighting and may differ by one day.)
RBI Guidelines on Bank Holidays in October 2025
According to the Reserve Bank of India (RBI), bank holidays are categorized into three types:
- Holiday under Negotiable Instruments Act – Declared by the central or state governments.
- Holiday under RBI’s instructions – Such as second and fourth Saturdays.
- Public holidays under state laws – For local events, regional festivals, or state foundation days.
For updated information, you can check the official RBI holiday list on their website.
Impact of Bank Holidays on Customers
- Branch Services Halted: On these holidays, physical bank branches remain closed.
- ATM & Online Banking Active: ATMs, mobile banking, and internet banking continue to function.
- Cheque Clearance Delay: Cheques deposited before a long holiday weekend may take longer to clear.
- Plan Ahead: Customers should schedule large transactions, loan EMI payments, and fund transfers before holidays to avoid penalties.
Why Bank Holidays in October 2025 Are Important
October 2025 has multiple back-to-back holidays due to Durga Puja, Dussehra, and Diwali. Many states will experience continuous bank closures for 3–4 days, especially around 2nd–4th October and again near 25th–28th October.
This can affect:
- Business Transactions – Traders and shop owners should deposit or withdraw cash in advance.
- Festive Shopping – ATMs may face cash shortages during festival days.
- Salary Credits & EMI Payments – May get delayed if banks remain closed consecutively.
How to Manage Banking Needs During Holidays
- Use Digital Banking – Transfer money via UPI, IMPS, or mobile wallets.
- Withdraw Cash in Advance – Avoid last-minute ATM rush during Durga Puja or Diwali.
- Check Regional Holidays – If you are traveling, verify the state-wise bank closure list.
- Plan Investments & EMI Payments – Schedule auto-debit mandates before long weekends.
Conclusion
Bank holidays in October 2025 are spread across the month, mainly due to national and regional festivals like Durga Puja, Gandhi Jayanti, Dussehra, Diwali, and Eid-e-Milad. While digital banking ensures uninterrupted access, it is always wise to plan major financial transactions in advance.
Whether you are a business owner, a salaried professional, or a student, staying updated with the RBI holiday calendar helps in avoiding last-minute inconveniences. Mark the dates in your planner and enjoy a stress-free festive season!
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