As the Festival of Lights approaches in 2025, millions of Indians are wondering about banking services availability during the festive season. Diwali, falling on October 20th, 2025 (Monday), brings important changes to banking operations across the country.
Understanding the Diwali Banking Schedule
Unlike uniform national holidays, bank closures during Diwali vary significantly across different states and union territories. The Reserve Bank of India (RBI) categorizes holidays into three types, with Diwali typically falling under the 'Holiday under Negotiable Instruments Act' category.
States Where Banks Will Remain Closed
Several states will observe complete bank closures on October 20, 2025. These include:
- Northern Regions: Delhi, Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir
- Western India: Gujarat, Maharashtra, Goa, Rajasthan
- Central States: Madhya Pradesh, Chhattisgarh
- Eastern Regions: West Bengal, Bihar, Jharkhand, Odisha
- Southern States: Tamil Nadu, Karnataka, Andhra Pradesh, Telangana
Regions With Operational Banking Services
Certain states and union territories will maintain normal banking operations. Banks are expected to function normally in:
- Kerala
- Assam
- North Eastern states (excluding Tripura)
- Union Territories like Puducherry and Lakshadweep
Planning Your Financial Transactions
For urgent banking needs during the holiday period, consider these alternatives:
- Digital banking platforms and mobile apps
- ATM services (available 24/7)
- Internet banking facilities
- UPI payments and digital wallets
Pro tip: Complete your essential banking transactions before October 19th to avoid any last-minute inconveniences, especially if you reside in states observing the holiday.
What About the Following Days?
Many states also observe holidays on October 21st for Govardhan Puja and Bhai Dooj. It's crucial to check your local banking calendar for the entire festive week to ensure smooth financial planning.
Key Takeaways for Diwali Banking
- Diwali 2025 falls on Monday, October 20th
- Bank holiday observance varies by state
- Digital banking remains available throughout
- Plan cash withdrawals and essential transactions in advance
- Verify local holiday schedules for October 21st as well
Remember that while physical branches might be closed in many regions, digital banking services continue uninterrupted, ensuring you can manage your finances even during the festive holidays.
