As July 2025 begins, it’s essential for individuals, businesses, and investors to stay updated on the bank holidays. According to the Reserve Bank of India (RBI), banks will remain closed on 13 days across various states due to weekends and regional holidays.
These closures may affect in-branch services like cash transactions, cheque processing, and loan disbursal. Hence, early planning is advised for hassle-free banking.
📅 Complete List of Bank Holidays in July 2025
🔁 Regular Weekly Closures:
- All Sundays: July 6, July 13, July 20, July 27
- Second & Fourth Saturdays: July 12, July 26
🎉 Regional Festival & Observance Holidays:
| 📆 Date | 🎊 Occasion | 📍 States Affected |
|---|---|---|
| July 3 | Kharchi Puja | Tripura |
| July 5 | Guru Hargobind Ji’s Birthday | Jammu & Kashmir |
| July 14 | Beh Deinkhlam | Meghalaya |
| July 16 | Harela | Uttarakhand |
| July 17 | Death Anniversary of U Tirot Singh | Meghalaya |
| July 19 | Ker Puja | Tripura |
| July 28 | Drukpa Tshe-Zi | Sikkim |
⚠️ What Services Will Be Unavailable?
On these holidays:
- Bank branches will be physically closed.
- Cheque clearances and some offline services will be affected.
- RTGS and NEFT may not settle immediately.
However, online services like:
- UPI
- ATM withdrawals
- Internet and Mobile Banking
will function normally.
✅ Important Tips for Customers
- Plan your visits to the bank well in advance.
- Schedule EMIs, business transfers, and salary payouts before closure dates.
- Prefer digital transactions for uninterrupted services.
📍 Why Holidays Vary by State?
The RBI holiday schedule is categorized under three segments:
- Holiday under the Negotiable Instruments Act
- Holiday under Negotiable Instruments Act and Real Time Gross Settlement Holiday
- Banks’ Closing of Accounts
As a result, each state celebrates its own set of regional festivals, making holidays non-uniform across the country.
🏁 Final Word
A total of 13 bank holidays are lined up for July 2025. If you have major banking tasks like cheque clearance, cash deposit, or branch verification, get them done in advance. Keep this list handy and avoid last-minute inconveniences.
For continuous banking support, go digital — it’s safe, fast, and 24×7!