Banking schedules in India have evolved significantly over the years, and one of the most notable changes came when the RBI Bank Holiday Saturdays rule was introduced. Under this system, all banks across the country remain closed on the second and fourth Saturdays of each month. For 2025, this schedule continues, making it important for customers to plan their banking activities accordingly.
Whether you need to deposit a cheque, update your passbook, or apply for a loan, knowing the Second & Fourth Saturday Rule can save you last-minute stress.
Why Does the RBI Have Holiday Saturdays?
The Reserve Bank of India implemented this schedule to:
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Give bank employees fixed rest days for better work-life balance
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Streamline operations by aligning public expectations with service availability
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Encourage the use of online and mobile banking services on holiday days
2025 Bank Holiday Schedule for Saturdays
Here’s a clear breakdown of the RBI Bank Holiday Saturdays in 2025:
| Month | 2nd Saturday | 4th Saturday |
|---|---|---|
| January | 11 Jan | 25 Jan |
| February | 8 Feb | 22 Feb |
| March | 8 Mar | 22 Mar |
| April | 12 Apr | 26 Apr |
| May | 10 May | 24 May |
| June | 14 Jun | 28 Jun |
| July | 12 Jul | 26 Jul |
| August | 9 Aug | 23 Aug |
| September | 13 Sep | 27 Sep |
| October | 11 Oct | 25 Oct |
| November | 8 Nov | 22 Nov |
| December | 13 Dec | 27 Dec |
How the Second & Fourth Saturday Rule Affects Customers
The Second & Fourth Saturday Rule means you should avoid scheduling important in-person banking tasks on these days. Common services that are unavailable include:
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Cash deposits and withdrawals at bank branches
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Cheque clearances
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Passbook updates
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Account opening or loan processing at physical branches
However, digital banking remains available 24/7, so you can still:
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Transfer money via NEFT, RTGS, or IMPS
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Pay bills and recharge accounts
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Check balances and download statements
Tips to Plan Your Banking in 2025
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Mark RBI Bank Holiday Saturdays on your calendar to avoid missed deadlines
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Use mobile or internet banking for urgent transactions on closed days
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For cheque clearances, submit them at least 1–2 days before a holiday Saturday
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If your EMI or bill payment falls on a holiday Saturday, ensure it’s auto-debited or paid online
FAQs
Q1: Are all banks in India closed on RBI Bank Holiday Saturdays?
Yes, all public, private, cooperative, and regional banks follow this schedule nationwide.
Q2: Can I withdraw cash from ATMs on the second and fourth Saturdays?
Absolutely. ATMs work 24/7, even on bank holidays.
Q3: Does the Second & Fourth Saturday Rule apply to international banks in India?
Yes, foreign banks with branches in India also follow RBI’s holiday rules.
Q4: Will online transactions be processed on RBI Bank Holiday Saturdays?
Yes, online transfers, bill payments, and mobile banking services remain active without any break.
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