Banks Closed in 20+ States: Is Your Branch Open?

Banks across most Indian states are closed today for Dussehra and related festivals. If you have urgent cash needs, EMI payments, or cheque deposits due today, here is what to do right now.

Here's what happened: Banks in most Indian states are closed today for Dussehra, Vijaya Dashami, Durga Puja, Ayudha Puja, and Mahanavami — one of the largest single-day holiday closures of the year.. Branch services including cheque clearing, demand drafts, locker access, and in-person RTGS are unavailable in affected states; digital channels remain fully operational.. States in the North-East, some Union Territories, and a few states where these festivals fall on different dates may have branches operating normally — check your specific state's RBI holiday list..

What you should do: Check your EMI due date right now — if it falls today, confirm your account has sufficient balance because NACH auto-debits still run on bank holidays and a bounce costs ₹500–₹1,000 in penalties.. Use NEFT 24x7 (available via net banking and mobile banking apps) for any urgent fund transfers today — it processes in 30-minute batches even on public holidays.. Avoid scheduling cheque deposits, DD submissions, or locker visits until tomorrow — plan any time-sensitive banking for the next working day to avoid delays..

NACH mandates for EMIs run even on gazetted holidays — your loan EMI will still be debited today. Keep your account topped up to avoid a bounce charge AND a potential credit-score hit.

For borrowers watching their score, our CIBIL score guide covers what impacts it and how to improve it.