Hey friends — it’s that time of the year when you’ve got to plan your banking work smartly. October 2025 is loaded with festivals, regional observances, and hence several October bank holidays across India. Below, I’m walking you through everything — dates, states, tips — so you don’t get caught off-guard when the bank is shut but your bills or transfers are still pending.
Why this matters: October Bank Holidays & your planning
Look, it’s simple: when banks shut, you can’t deposit cheques, visit branches, or handle in-person tasks. But digital banking often still works. If you’re someone who waits for the last minute for something important — like paying EMIs, transferring large sums, or handling document work — October’s closures can really mess with your rhythm.
So treat this like your “banking survival guide” for October. Know when your state’s bank will be off, get your tasks done ahead, and don’t freak out when you see the “Bank Closed Today” board.
Major national October bank holidays you should note
These are holidays that affect huge parts of India (or the whole country). Use them as anchor points when you plan:
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October 2 — Gandhi Jayanti + Dussehra / Vijaya Dashami. This is a big one — many states will shut banks entirely.
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Diwali period — often banks will remain closed around Diwali and its related observances.
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Other regional festival dates — depending on where you live (Assam, Bihar, Uttar Pradesh etc.), extra bank holidays may pop up.
So if your state has a regional festival on, say, 20 October or 27 October, you may get extra closure.
State-Wise October Bank Holidays (Highlights)
Below is a sketch of what different states might face. Always double-check your local bank’s calendar, because regional holidays vary.
| State / Region | Notable Bank Holidays in October 2025 |
|---|---|
| Assam / North East | Local harvest or regional festivals may add closures |
| Bihar | Chhath Puja & regional observances |
| West Bengal / Odisha | Devi / Durga Puja / Lakshmi Puja etc. |
| Uttar Pradesh / Madhya Pradesh | Dussehra, Diwali, regional festivals |
| Maharashtra, Gujarat, Goa | Diwali / local celebrations |
| Tamil Nadu, Kerala | Regional festivals (some unique to those states) |
| Jammu & Kashmir / Himachal Pradesh | Local religious observances |
(Again: this is indicative. The exact list varies by state bank holiday calendar.)
How many days are banks likely to be shut in October 2025?
From what’s floating around, banks may observe up to 15 scheduled holidays in October — and when you add Sundays and the 2nd/4th Saturday closures, that leads to around 18–20 days where branch access could be off. So, maybe half the month is “branch off,” though digital services will still often work.
What stays open (mostly) even on bank holidays
Don’t panic. Just because the branch is closed doesn’t mean all banking dies.
| Service | Likely Status |
|---|---|
| Online banking / net banking | Usually works fine |
| UPI / mobile app transactions | Usually okay (unless a specific holiday halts settlement) |
| ATMs / cash withdrawal | Operative (unless power issues) |
| Clearing of cheques / cheque deposit in person | Usually delayed till next working day |
| In-branch services (loans, account opening, etc.) | Closed on bank holidays |
So if your thing can be done digitally — do it then. But for anything needing a signature or a branch visit, don’t leave it for D-day.
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Smart Tips: Don’t get stuck with failed transactions
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Make a calendar: Mark all national, regional, and weekly off days (Sundays, 2nd & 4th Saturdays).
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Front-load important tasks: Before October begins, try to wrap up loan payments, cheque deposits, document submissions.
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Use digital channels: If possible, shift to net banking, UPI, mobile apps — they’re your lifeline on closed days.
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Withdraw a buffer cash amount (if you need physical cash).
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Check state / branch notice boards or websites: Your local bank may publish extra holidays.
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Know “no clearance days”: On some holidays, interbank settlements might even pause — so transfers might take extra time.
Sample scenario: How the month might look for you
Let’s imagine you live in Madhya Pradesh. You’ve got a big cheque to deposit, a loan payment, and some paperwork to file.
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Early October (say, 2 October): Don’t expect branches to open because of Gandhi Jayanti & Dussehra.
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Mid-October, during the Diwali window: banks might be closed for a couple of days around 20–22 October.
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Late October: Chhath Puja (in states like Bihar, Jharkhand) might force closures.
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Throughout: Sundays + 2nd & 4th Saturdays will be off.
So you’d aim to deposit your cheque by, say, 30 September or the first week of October. Then finish your paperwork by mid-October. Always have a backup plan if your branch is off.
Title suggestions (you can pick one)
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“October Bank Holidays 2025 In India: State-Wise Closure Guide & Tips”
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“Planning for October Bank Holidays 2025: Don’t Miss a Single Closure”
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“October Bank Holidays in India 2025 — When Your Bank Will Be Shut (And What to Do)”
Additional Info
Hey folks, October Bank Holidays 2025 are here and if you don’t keep an eye, your banking plans might face glitches. In most states, branches will shut for nearly 15 scheduled holidays (plus Sundays & 2nd/4th Saturdays). Whether you live in Delhi, Maharashtra, West Bengal or Bihar — knowing when your bank is shut (state-wise) can save you last-minute stress. Let me walk you through the full picture, pulled together like a friend who’s already made the mistakes so you don’t have to.
Closing thoughts
October is one of those months where layering your financial tasks smartly is non-negotiable. With festivals, regional holidays, and mandatory closures, your usual rhythm can get messed up. But if you go in prepared — check your state’s holiday list, plan ahead, use digital tools — you’ll glide through without last-minute panic.
If you tell me which state you’re in (or branch city), I can spin out an exact local list for your bank so you don’t have to guess. Want me to do that for Maharashtra / Mumbai / your city?
