September 2025 Bank Holidays: 15 Days of Closures Across India — Check State-wise Impact and Market Schedule

India is staring at a packed holiday month: the Reserve Bank of India’s calendar shows 15 closures for September 2025, a mix of national and state festivals plus the regular Sunday and second/fourth Saturday offs. For anyone with cheques to deposit, loan documents to sign, or lockers to visit, timing matters—especially because Friday, 5 September, is a mixed day for banking across states.

The big wrinkle this year is Maharashtra’s late change for Eid-e-Milad. While many states shut on 5 September, Mumbai city and its suburban districts will stay open that day and shift their holiday to Monday, 8 September. Markets in Maharashtra will also operate on 5 September, adding another layer for traders and treasurers to watch.

Where banks are shut on 5 September

Two observances trigger Friday closures across much of the country—Eid-e-Milad and Thiruvonam. Most state capital branches and many district branches will not open. Here’s the broad map for 5 September, based on official notifications and the RBI’s holiday calendar:

• Closed for Eid-e-Milad and/or Thiruvonam: Gujarat, Mizoram, Karnataka, Madhya Pradesh, Tamil Nadu, Uttarakhand, Telangana (Hyderabad), Andhra Pradesh (Vijayawada), Manipur, Jammu & Kashmir (Jammu and Srinagar), Uttar Pradesh, Kerala, New Delhi, Jharkhand
• Maharashtra: different schedule—see below. Outside Mumbai and suburban districts, local instructions may still apply for 5 September; check your branch.

Kerala observes Thiruvonam on the same day, so most branches there will not open. In Delhi and several northern states, Friday’s closure is linked to Eid-e-Milad. As always, state-specific exceptions can apply, especially for special administrative notifications within districts.

Weekly offs still stack up later in the month: Sundays (7, 14, 21, 28) and the standard second and fourth Saturdays (13 and 27). On top of that, two more notable dates sit midweek—Navratra Sthapna on Monday, 22 September, and the Birthday of Maharaja Hari on Tuesday, 23 September—both driving local closures. Together with other state-specific observances, this brings September’s total to 15.

Maharashtra’s shift, market impact, and how to plan your month

Maharashtra’s government moved the Eid-e-Milad holiday for Mumbai and its suburban districts from Friday, 5 September, to Monday, 8 September. The RBI flagged this change on 4 September under the Negotiable Instruments Act, 1881, which governs bank holidays for clearing and settlement. The practical takeaway: banks in Greater Mumbai are open on 5 September and closed on 8 September.

Because of this switch, markets in Maharashtra—government securities, foreign exchange, money markets, and rupee interest rate derivatives—will function on 5 September. Trades that were set to settle on Monday, 8 September, will now settle on Tuesday, 9 September. If you have settlements, margin obligations, or scheduled pay-ins around that window, update your calendars and inform counterparties.

How do these holidays get set? The RBI aligns bank closures with the Negotiable Instruments Act and state notifications. National days tend to be uniform, but cultural and religious festivals vary by region. That’s why one city can be open while a neighboring district shuts. The RBI holiday list is the base document; district collectors and state departments can still fine-tune dates for their jurisdictions.

Key September markers to keep in view:

• Friday, 5 September: Eid-e-Milad across many states; Thiruvonam in Kerala; in Mumbai and its suburbs, banks remain open.
• Saturday, 13 September: second Saturday (all commercial and cooperative banks closed nationwide).
• Monday, 22 September: Navratra Sthapna (regional).
• Tuesday, 23 September: Birthday of Maharaja Hari (regional).
• Saturday, 27 September: fourth Saturday (nationwide closure for banks).
• Sundays, 7/14/21/28 September: nationwide closures.

What still works when branches are closed? Digital rails carry most of the load. UPI and IMPS run 24x7. NEFT and RTGS are available round-the-clock for online banking; branch-based submissions and cut-off times won’t apply when the branch is shut, but your online transfers continue to process. Cards and netbanking bill payments work as usual. Cash withdrawals at ATMs remain available, though long weekends can strain cash replenishment in some locations.

What slows down? Cheque deposits, counter-based DD issuance, KYC updates, locker visits, loan disbursals, lien releases, document execution, and physical mandate changes. Cheques lodged right before a long weekend often see next-business-day clearing. If you’re counting on a cheque credit for an EMI or salary, build in buffer days.

For small businesses and traders, plan around clearing and settlement cycles. If you need banker’s cheques, invoice discounting, BG/LC issuance, or over-the-counter forex, finish them a day or two before a holiday stretch. For treasury teams, review cash ladders and rollover needs ahead of 8–9 September if you operate out of Mumbai.

Customers in Maharashtra should note the split within the state. In Mumbai city and suburban districts, the Eid-e-Milad holiday is on 8 September. Other districts may follow the 5 September observance. If you’re traveling or handling documents across districts, call ahead to the destination branch.

Why does September feel heavier than usual? The month packs multiple midweek local observances alongside the standard weekly offs, which pushes total closures to 15. The total doesn’t mean every branch shuts for all 15 days—it’s the combination of national, regional, and weekly offs across the map. Your actual downtime depends on your city and your bank’s branch network.

Smart planning checklist:

• Advance your branch visits by 24–48 hours if they fall near 5, 13, 22, 23, or 27 September.
• Queue time-sensitive NEFT/RTGS transfers online rather than at the counter.
• Avoid lodging high-value cheques on Friday afternoons before a long weekend.
• Top up ATMs or petty cash before holiday clusters if you run a cash-heavy business.
• Confirm district-specific notifications, especially in Maharashtra outside Mumbai.

One last point: state-wise bank holidays also affect intercity documentation—property registrations that require banker’s cheques, notarized loan addendums, or in-person KYC. If one party’s branch is open and the other’s is not, the paperwork can stall. Build a two-day safety margin for cross-city deals this month.

Expect steady digital access throughout. If a transfer looks delayed, check your bank’s service alerts before retrying. For anything that must be stamped, signed, or cleared at the counter, schedule it away from the mid-month cluster. That’s the simplest way to glide through the September 2025 bank holidays without surprises.