Understand RBI guidelines—banks close on 2nd & 4th Saturdays, stay open on 1st, 3rd, 5th. Learn which Saturdays in July 2025 are working days, month’s holiday count, and how to plan your banking efficiently.
📌 RBI Rule: Saturday Banking Explained
- Banks in India remain closed on:
- All Sundays
- 2nd and 4th Saturdays of each month ClearTax+14Republic World+14The Economic Times+14
- Banks are open on:
- 1st, 3rd, and 5th Saturdays
This applies to all scheduled public and private sector banks across India The Economic Times+8Republic World+8The Economic Times+8Indiatimes
📅 July 2025 – Saturday Status
| Date | Saturday Count | Bank Status | Notes |
|---|---|---|---|
| July 5 (Sat) | 1st Saturday | Open | Regular working day |
| July 12 (Sat) | 2nd Saturday | Closed | Bank holiday per RBI |
| July 19 (Sat) | 3rd Saturday | Open | Working day (Bank open today) Indiatimes+4mint+4The Economic Times+4mint+1Indiatimes+1The Economic Times+1Indiatimes+1BankBazaar |
| July 26 (Sat) | 4th Saturday | Closed | RBI-mandated holiday |
Note: Digital banking (net-banking, UPI, IMPS, ATMs, mobile apps) remains available even when branches are closed GrowwThe Economic Times
🌟 Why This Matters
- Planning Visits: Avoid surprises—banks close on specified Saturdays.
- Transaction Timing: For in-person services (cheque deposits, TDS, loans), use open Saturdays.
- Digital Backup: Branches may close, but online services work 24/7.
📆 July 2025 – Full Holiday Context
- Total 13 bank holidays this month, including Sundays, 2nd/4th Saturdays, and regional holidays like Guru Hargobind Ji’s birthday (July 5), Meghalaya holidays on July 14 & 17, and Ker Puja in Tripura (July 19) Moneycontrol+15Republic World+15The Economic Times+15The Economic Timeswww.ndtv.com+2mint+2Indiatimes+2.
✅ Tips For You
- Plan branch work on 1st, 3rd, or 5th Saturdays.
- Enjoy Sundays and 2nd/4th Saturdays off, but use digital services.
- Check state-specific holidays, especially if based in those regions—e.g., Tripura, Meghalaya.
- Note exceptions: In Tripura, virtual holidays may apply even on a normally open 3rd Saturday (Ker Puja) www.ndtv.comThe Economic Times.
❓FAQs
Q1. Are banks open on 3rd Saturday?
👉 Yes, scheduled banks in India are open on the 1st, 3rd, and 5th Saturdays every month ClearTax+3Republic World+3The Economic Times+3.
Q2. Why are some Saturdays closed?
👉 RBI mandates 2nd and 4th Saturdays as bank holidays for system settlement and staffing BankBazaar.
Q3. Is July 19, 2025 open for banks?
👉 Yes, since it’s the 3rd Saturday, banks are open everywhere except Tripura, due to Ker Puja in that state The Economic Times+3www.ndtv.com+3Hindustan Times+3.
Q4. Can I use digital banking on closed Saturdays?
👉 Absolutely. Net‑banking, UPI, IMPS, ATMs, and mobile apps remain fully functional Groww+1Indiatimes+1.
Q5. How to check state‑specific off‑days?
👉 RBI issues monthly state-wise holiday calendars—best to refer to your local state’s list if you’re dependent on branch services.
⚠️ Quick Recap
- RBI rule: Close 2nd & 4th Saturdays, open 1st, 3rd, 5th.
- July 2025: Branches open on 5th & 19th July; closed on 12th & 26th.
- Digital services unaffected—transact anytime.
