11 Bank Holidays in June: Is Your EMI Date Safe?

Banks across India will stay closed 11 times in June 2025 due to national, regional, and religious holidays. If your EMI, cheque, or cash withdrawal falls on a holiday, it could bounce or get delayed — costing you extra charges.

Here's what happened: RBI has officially listed 11 bank holidays for June 2025, combining national, regional, and religious observances across different states.. Bank holidays vary by state — a holiday in one city (like Mumbai or Chennai) may not apply in Delhi or Kolkata, causing confusion for multi-city account holders.. ATMs, UPI, and net banking remain operational on holidays, but branch services, NEFT/RTGS, and cheque clearances get paused or delayed..

What you should do: Check your EMI due dates for June right now — if any fall on a listed bank holiday, request your bank to auto-debit one day earlier to avoid a bounce penalty.. Avoid scheduling large cheque deposits or demand drafts on or just before a long holiday weekend — allow 2 extra business days for clearance.. Keep a buffer of at least ₹5,000 extra in your salary account during holiday clusters so auto-debits for SIPs, insurance premiums, and EMIs don't fail due to low balance..

Even if your bank is open, the clearing house may be closed on a state holiday — this means your outward NEFT or cheque may not settle until the next working day, silently triggering a late payment mark on your credit report.