September 2025 Bank Holidays: What Every India Banker Needs to Know

September is a busy month for banks across India. With 15 holidays spread over the month, you’ll see branches shut, ATMs offline, and some market days shifted. If you’re planning a cash‑withdrawal, a loan signing, or a trade settlement, you need the right dates at a glance.

State‑wise Holiday Breakdown

Most states observe a mix of national holidays and local festivals. Here’s the quick snapshot:

• Sept 5 – Eid‑e‑Milad and Thiruvonam. States like Kerala, Karnataka, Tamil Nadu, and West Bengal close. Maharashtra (including Mumbai) stays open.
• Sept 8 – Regular weekly off for many banks. In Maharashtra, the branch is closed, but digital channels keep working.
• Sept 12‑13 – Two‑day weekend for most banks (Saturday‑Sunday).
• Sept 30 – National holiday for Republic Day of a state (e.g., Himachal Pradesh). Most banks open elsewhere.

Every other day in September works like a normal banking day unless a specific state issues a local observance. The RBI posts the official calendar, so double‑check if your state isn’t listed here.

How the Market Schedule Shifts

The stock market doesn’t follow the same holiday list as bank branches. On Sept 5, markets stay open in Maharashtra, but the settlement date moves from the closed Sept 8 to Sept 9. That means any trade you place on Sept 5 will settle a day later than usual.

If you have a pending payment or a fund transfer linked to a market transaction, plan for the extra day. The same rule applies to corporate dividend payouts and bond settlements – they’ll all shift by one business day.

Digital banking services—mobile apps, internet banking, UPI—remain live even when branches are shut. Use them to check balances, pay bills, or set up recurring transfers. Just remember that any request needing a physical signature or cash will wait until the branch reopens.

For business owners, the key takeaway is to move critical banking tasks ahead of the holidays. Schedule loan disbursements, cheque clearances, and large cash withdrawals before Sept 5 if you operate in the affected states. If you’re in Maharashtra, you have a small window on Sept 5 to get things done before the weekend.

Travelers should also note that many ATMs in the closed states may run low on cash. It’s smart to withdraw a little extra before the holiday, especially if you’re heading to a remote area.

In summary, the September 2025 bank holiday calendar combines national observances, regional festivals, and the usual weekly offs. Knowing which states close and how the market adjusts can save you a lot of hassle. Keep this guide handy, set reminders, and let digital banking fill the gaps when branches are off.