Bank Holiday October 22, 2026: Banks Closed in This State on Thursday for Dasain; Check RBI Holiday List

Bank Holiday October 22, 2026: Bank customers planning to visit their nearest branch on Thursday, October 22, should check the regional holiday schedule before leaving home.

According to the Reserve Bank of India's holiday calendar cited in the October 21 report, bank branches in Gangtok, Sikkim, will remain closed on October 22, 2026, on account of Durga Puja (Dasain).

The holiday is regional and does not apply to bank branches across the entire country.

Customers in Delhi, Mumbai, Kolkata, Chennai, Lucknow, Jaipur and most other cities are expected to have access to regular branch services, subject to any additional local notifications.

Meanwhile, digital banking facilities such as UPI, mobile banking, internet banking and ATMs are generally available even when physical bank branches remain closed.

Here is everything customers need to know about the October 22 bank holiday, the reason behind the closure, the remaining October holiday schedule and the banking services that can still be used.

Bank Holiday October 22, 2026: Where Will Banks Remain Closed?

The October 22 holiday is listed for Gangtok in Sikkim.

It has been declared in connection with the regional celebration of Durga Puja, also known as Dasain or Dashain.

Bank branches covered by the regional holiday will not provide regular over-the-counter services on Thursday.

Customers who need to deposit cash at a branch, submit physical documents or complete other branch-dependent transactions should plan accordingly.

October 22 Bank Holiday: Key Details

The RBI's bank holiday calendar is organised by city and region, so a holiday applicable in one location does not necessarily apply elsewhere.

Why Are Banks Closed in Gangtok on October 22?

The bank holiday has been scheduled for the celebration of Dasain, an important festival observed in Sikkim and among Nepali-speaking communities.

Dasain is associated with the worship of Goddess Durga and the celebration of the victory of good over evil.

The festival holds considerable cultural and religious significance in Sikkim.

Families traditionally observe the occasion through prayers, rituals, gatherings and other celebrations.

In recognition of the regional festival, October 22 has been included in the relevant bank holiday schedule for Gangtok.

As a result, customers visiting branches covered by this holiday should expect regular counter services to remain unavailable.

Will SBI, PNB, HDFC and ICICI Bank Be Closed?

The holiday applies according to the location of the bank branch, rather than simply the name of the bank.

This means branches of major banks such as State Bank of India, Punjab National Bank, HDFC Bank, ICICI Bank and other scheduled banks may observe the closure in Gangtok.

However, the same banks may continue normal operations in cities where October 22 is not a notified bank holiday.

For example, an SBI branch in Gangtok may remain closed while an SBI branch in Delhi operates normally.

Customers should therefore check their specific branch location rather than assuming that every branch of a particular bank will be closed.

Are Banks Open in Delhi, Mumbai, Kolkata and Jaipur?

According to the supplied report, October 22 is not listed as a general bank holiday for Delhi, Mumbai, Kolkata, Chennai, Lucknow or Jaipur.

Banking operations in these cities are therefore expected to continue as usual.

City-Wise Bank Holiday Status for October 22

The table reflects the regional holiday information provided in the report. Customers should confirm any additional local branch notifications before visiting.

Which Banking Services Will Be Affected?

Customers in Gangtok should expect disruption to services that require visiting a physical branch.

These may include cash deposits at staffed counters, in-person document verification, passbook updates and other transactions requiring bank employees.

Some loan-related and account service requests may also need to wait until the next working day.

Certain clearing and settlement processes may operate according to separate banking system schedules.

Customers should not assume that every type of transaction will be completed immediately simply because a digital payment instruction can be submitted.

Will UPI Work on October 22?

Yes. UPI services are generally designed to operate around the clock, including on weekends and bank holidays.

Customers can ordinarily use supported UPI applications such as Google Pay, PhonePe, Paytm and BHIM to make payments or transfer money.

However, individual transactions can still fail or be delayed because of technical issues, bank maintenance, network problems or transaction limits.

A regional bank holiday does not normally suspend UPI services nationwide.

Will ATMs and Internet Banking Remain Available?

ATMs and online banking platforms are generally available during bank holidays.

Customers can ordinarily use ATMs to withdraw cash or check account balances, subject to the machine's operational status and cash availability.

Internet banking and mobile banking applications can also be used for supported transactions.

IMPS is generally available around the clock.

NEFT and RTGS also operate on a 24x7 basis under the applicable payment system arrangements, although individual banks may have processing conditions or temporary technical interruptions.

Customers should check the status of time-sensitive transactions rather than assuming that every payment has been completed successfully.

Remaining Bank Holidays in October 2026

The report also mentions several holidays and festivals during the remaining days of October.

However, it is important to distinguish between official bank holidays, ordinary weekly closures and regional festivals that may not necessarily result in bank closures.

October 2026: Important Dates to Check

The original report mentions possible regional closures on October 26 and October 31, but those should be checked against the official RBI calendar for the relevant city.

October 24 is also important because it is the fourth Saturday of the month, when scheduled bank branches generally remain closed.

Are Banks Closed on Every Saturday?

No. Scheduled commercial banks in India generally observe holidays on the second and fourth Saturdays of each month.

They normally operate on the first, third and fifth Saturdays, unless a separate holiday applies.

Sundays are regular weekly bank holidays.

In October 2026, the remaining fourth Saturday falls on October 24.

Therefore, customers should take this scheduled closure into account when planning branch visits.

How to Check the Official RBI Bank Holiday Calendar

Customers can verify bank holidays through the Reserve Bank of India's official website.

The RBI publishes a calendar showing bank holidays applicable to different cities.

To check the schedule:

1. Visit the Reserve Bank of India official website.

2. Look for the Holiday Matrix or bank holiday calendar.

3. Select the relevant month and year.

4. Check the holiday schedule for your city.

5. Confirm any branch-specific updates with your bank.

Checking the official calendar is especially useful during October and November, when multiple regional festivals may result in different bank holidays across states.

What Should Customers Do Before Visiting a Bank?

If you have an urgent banking task, verify whether your branch is open before travelling.

For services such as cheque submission, document verification or loan processing, consider contacting the branch in advance.

Customers in Gangtok who require in-person assistance should plan around the October 22 holiday.

Those who only need to transfer funds, pay bills or check balances can generally use digital banking channels.

For large or time-sensitive transactions, it is advisable to confirm the applicable processing arrangements.

Bank Holiday October 22, 2026: Final Update

Bank branches in Gangtok, Sikkim, are scheduled to remain closed on Thursday, October 22, 2026, for Durga Puja (Dasain), according to the RBI holiday information cited in the report.

The closure is regional, not nationwide. Banks in Delhi, Mumbai, Kolkata, Chennai, Lucknow, Jaipur and most other cities are expected to operate normally.

Customers in Gangtok should complete branch-dependent work before the holiday or wait until the next working day.

UPI, ATMs, mobile banking and internet banking will generally remain available, subject to normal technical and transaction-related conditions.

Disclaimer: This article is based on the supplied October 21, 2026 report. Regional bank holiday schedules and branch operations may be subject to official notifications. Customers should verify their city's holiday status through the RBI or their bank before visiting a branch.