11 Bank Holidays in June: Is Your EMI Safe?

Banks in India observe up to 11 holidays in June 2025 due to national, regional, and religious occasions. If your EMI or salary credit falls on a closed day, it shifts — and a bounce can hurt your CIBIL score and trigger penalty charges.

Here's what happened: RBI publishes an annual holiday calendar under the Negotiable Instruments Act, covering national, regional, and religious holidays for all scheduled banks.. In June 2025, banks across various states observe up to 11 holidays — including Saturdays, Sundays, and state-specific festivals like Eid, Rath Yatra, and others.. Not all holidays apply to every state — a holiday in Odisha or West Bengal may not affect banks in Maharashtra or Karnataka, so your branch's closure depends on your location..

What you should do: Check your EMI due date right now — if it falls on a holiday or long weekend, transfer funds a day early to avoid a bounce and CIBIL penalty.. Log into your net banking or UPI app to confirm your salary credit timeline — payroll transfers on holiday dates may be delayed by one working day.. Call your bank or check RBI's official holiday list at rbi.org.in to confirm which holidays apply to your specific state and branch..

UPI and IMPS work 24x7 even on bank holidays — so you can still transfer money, but NEFT and RTGS settlements may be delayed until the next working day.