Indian Bank Holiday Calendar: State-Specific Closures in July

The Reserve Bank of India's holiday calendar defines which days branch services are open. For July, the rule is simple: first and third Saturdays are working days for all scheduled banks. The second and fourth Saturdays, plus every Sunday, are mandatory closures. That means July 4 and July 11 see normal branch operations at SBI, HDFC Bank, ICICI Bank, and others.

State-specific holidays add three dates that matter for payment settlements. On July 6, banks in Mizoram (Aizawl) and West Bengal (Kolkata) close for MHIP Day and the birth anniversary of Dr Syama Prasad Mookerjee. Meghalaya (Shillong) also shuts for Beh Deinkhlam.

July 16 brings closures in three states. Odisha (Bhubaneswar) marks Ratha Yatra. Manipur (Imphal) observes Kang (Rathajatra). Uttarakhand (Dehradun) celebrates Harela.

On July 17, three more states join the list. Manipur again closes for the death anniversary of U Tirot Singh. Sikkim (Gangtok) shuts for Drukpa Tshe-zi. Tripura (Agartala) observes Kharchi Puja.

Digital banking channels are unaffected on all these dates. Internet banking, mobile banking, UPI, and ATMs continue normal service. Cheque clearing and settlement may face delays when a branch is in an affected state on a closure day. Transactions initiated through electronic channels process without interruption.

For traders and businesses managing intra-month payments, the practical takeaway is that July 6, 16, and 17 carry settlement risk for physical cheques drawn on branches in those states. Plan payment instructions accordingly.