As India welcomes New Year 2026, a common question among bank customers is whether banks will remain open or closed on January 1, 2026. Since New Year’s Day is observed as a holiday in several states, knowing the exact bank holiday status can help people plan their financial work in advance and avoid inconvenience.

This article explains where banks will be closed, where they will operate normally, and what banking services will remain available on January 1, 2026.

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Bank Holiday on January 1, 2026: State-Wise Closure List

New Year’s Day, observed on January 1, 2026, is not a uniform bank holiday across India. While some states treat it as a public holiday, banks in many other states function as usual.

States Where Banks Will Be Closed on January 1, 2026

Banks are expected to remain closed in the following states due to New Year celebrations and regional observances:

• Mizoram
• Tamil Nadu
• Sikkim
• Manipur
• Arunachal Pradesh
• Nagaland
• West Bengal
• Meghalaya

In some northeastern states, the holiday may also coincide with regional festivals such as Gaan-Ngai, contributing to branch closures.

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Banks Open on January 1, 2026: Cities and States

Banks will remain open and operational on January 1, 2026, in all other states and Union Territories not listed above. This includes major metropolitan cities such as:

• Mumbai
• Delhi
• Bengaluru
• Hyderabad
• Pune
• Jaipur
• Ahmedabad

Customers in these regions can visit bank branches and access regular over-the-counter services.

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Are Banks Open in Most Parts of India on January 1, 2026?

Yes. In the majority of Indian states, January 1, 2026, is not a designated bank holiday, and banks will operate according to normal working hours. However, customers are advised to check with their local branch for confirmation, as district-level holidays may vary.

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Will Digital Banking Services Work on January 1, 2026?

Even in states where bank branches are closed, digital banking services will remain fully functional. Customers can continue using:

• Internet banking
• Mobile banking apps
• UPI payments
• ATMs
• IMPS, NEFT, and RTGS (subject to standard rules)

Services such as cheque clearance, branch cash deposits, and in-person documentation may be affected in states observing the holiday.

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Things to Keep in Mind

To avoid last-minute issues:

• Complete important branch-related work in advance
• Withdraw sufficient cash beforehand if required
• Rely on digital banking for routine transactions
• Track upcoming bank holidays for January 2026

Planning ahead ensures uninterrupted access to financial services during holidays.

Read This: When Are Banks Closed in January? Full List of Bank Holidays in 2026 | RBI Holiday List

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Conclusion

While January 1, 2026, is a bank holiday in select states, banks will remain open in most parts of India. Digital banking services will continue nationwide, making it easier for customers to manage their finances even on holidays.

Staying informed about bank holidays is the best way to ensure smooth financial planning as the new year begins.