List of Banking Holidays in 2026 for Cooperative Banks in India

November 2026

December 2026

Complete List of Second and Fourth Saturday Holidays in 2026

As per RBI guidelines effective since 2015, all banks in India — including cooperative banks — remain closed on the second and fourth Saturdays of every month. The first, third, and fifth Saturdays are regular working days.

State-Specific Holidays for Cooperative Banks

In addition to the national and festival holidays listed above, cooperative banks also observe state-specific holidays based on notifications from respective state governments. These holidays vary from state to state. Below are some notable state-specific bank holidays in 2026:

Maharashtra

• February 19 – Chhatrapati Shivaji Maharaj Jayanti
• March 19 – Gudhi Padwa
• May 1 – Maharashtra Day
• September 14 – Ganesh Chaturthi
• November 10 – Diwali (Bali Pratipada)

Gujarat

• January 14 – Makar Sankranti (Uttarayan)
• March 19 – Gudhi Padwa
• November 10-11 – Diwali / New Year (Bestu Varas)

Tamil Nadu

• January 14-16 – Pongal / Thiruvalluvar Day
• April 14 – Tamil New Year
• September 14 – Ganesh Chaturthi

West Bengal

• January 23 – Netaji Subhas Chandra Bose Jayanti
• March 3 – Dol Jatra (Holi)
• April 15 – Bengali New Year (Poila Baisakh)
• May 9 – Rabindranath Tagore Jayanti
• October 17-21 – Durga Puja (Saptami to Dashami)

Karnataka

• March 19 – Ugadi
• November 1 – Karnataka Rajyotsava
• September 14 – Ganesh Chaturthi

Cooperative bank customers should check with their respective state cooperative bank or branch for the exact list of state-specific holidays, as these may vary from district to district.

CTS (Cheque Truncation System) Uniform Holidays in 2026

The Cheque Truncation System (CTS) follows a separate uniform holiday list for the National Grid. CTS clearing will not function on the following days in 2026:

• January 26, 2026 (Monday) – Republic Day
• April 1, 2026 (Wednesday) – Annual Closing of Bank Accounts
• August 15, 2026 (Saturday) – Independence Day
• October 2, 2026 (Friday) – Mahatma Gandhi Jayanti
• December 25, 2026 (Friday) – Christmas Day

Important: NACH (National Automated Clearing House) / ECS operates on all 365 days of the year, including Sundays, second/fourth Saturdays, and all holidays. Cooperative bank customers should ensure sufficient balance in their accounts to avoid ECS/NACH return charges.

Digital Banking Services Available on Holidays

While physical branches of cooperative banks remain closed on holidays, most digital banking services continue to operate 24/7, 365 days a year. The following services are available even on bank holidays:

• UPI (Unified Payments Interface) – Instant fund transfers
• IMPS (Immediate Payment Service) – 24×7 interbank transfers
• NEFT (National Electronic Funds Transfer) – Available round the clock
• RTGS (Real-Time Gross Settlement) – Available 24×7 except on CTS holidays
• Mobile Banking and Internet Banking – Account access, bill payments, and fund transfers
• ATM Services – Cash withdrawals and balance inquiries

However, services that require in-person visits — such as cash deposits, locker access, demand draft issuance, document verification, and passbook updates — will not be available on bank holidays.

Frequently Asked Questions (FAQs)

Q: Do cooperative banks follow the same holiday list as commercial banks?

A: Yes. All cooperative banks in India — including Urban Cooperative Banks (UCBs), District Central Cooperative Banks (DCCBs), and State Cooperative Banks — follow the holiday list prescribed by the RBI under the Negotiable Instruments Act, 1881. They also observe state-specific holidays as notified by the respective state governments.

Q: Are cooperative banks open on the first, third, and fifth Saturdays?

A: Yes. Cooperative banks remain open on the first, third, and fifth Saturdays of every month. Only the second and fourth Saturdays are declared as bank holidays by the RBI.

Q: Can I use UPI and NEFT on bank holidays?

A: Yes. UPI, NEFT, IMPS, and most digital banking services operate 24×7, 365 days a year, regardless of bank holidays. Only physical branch services are unavailable.

Q: What happens if a cheque is deposited on a holiday?

A: If a cheque is deposited through a drop box before the holiday, it will be processed on the next working day. CTS clearing does not operate on CTS uniform holidays.

Q: Is April 1 a holiday for all banks?

A: Yes. April 1st is declared as a bank holiday across India to enable banks (including cooperative banks) to close their yearly accounts and reconcile financial statements