RBI lists holidays separately for its offices in Jammu, Srinagar. Holidays marked with only some cities are local to those areas.
Jammu and Kashmir bank holidays 2026: full list
Holiday names are as RBI publishes them: one date often covers several regional festivals, separated by slashes.
January 2026
| Date | Holiday | Cities |
|---|---|---|
| Monday | Republic DayAll 2 cities | All 2 cities |
March 2026
| Date | Holiday | Cities |
|---|---|---|
| Wednesday | Holi / Holi 2nd Day – Dhuleti / Yaosang 2nd Day / Dol JatraJammu | Jammu |
| Friday | Chapchar Kut / Jumat-ul-VidaAll 2 cities | All 2 cities |
| Tuesday | Shab-I-QadrAll 2 cities | All 2 cities |
| Thursday | Gudhi Padwa / Ugadi Festival / Telugu New Year's Day / Sajibu Nongmapanba (Cheiraoba) / 1st NavratraAll 2 cities | All 2 cities |
| Saturday | Ramzan-Id (Id-Ul-Fitr) (Shawal-1) / Khutub-E-Ramzan / SarhulAll 2 cities | All 2 cities |
April 2026
| Date | Holiday | Cities |
|---|---|---|
| Wednesday | Yearly closing of bank accountsAll 2 cities | All 2 cities |
| Tuesday | Dr. Babasaheb Ambedkar Jayanti / Maha Vishuva Sankranti / Biju / Buisu Festival / Tamil New Year's Day / Bohag Bihu / Cheiraoba / BaisakhiAll 2 cities | All 2 cities |
May 2026
| Date | Holiday | Cities |
|---|---|---|
| Friday | Maharashtra Din / Buddha Pournima / May Day (Labour Day) / Birth Anniversary of Pandit Raghunath MurmuAll 2 cities | All 2 cities |
| Wednesday | Eid-UI-Adha-(Bakri-Eid) / Id-ul-ZuhaAll 2 cities | All 2 cities |
| Thursday | Bakri ID (Id-Uz-Zuha)All 2 cities | All 2 cities |
June 2026
| Date | Holiday | Cities |
|---|---|---|
| Friday | Muharram (Yaom-EShahadath) / Last Day of Moharam / AshooraAll 2 cities | All 2 cities |
August 2026
| Date | Holiday | Cities |
|---|---|---|
| Saturday | Independence Day / Parsi New Year (Shahenshahi)All 2 cities | All 2 cities |
| Wednesday | Id-E-Milad / Baravafat / Milad-un-Nabi (Birthday of Prophet Mohammad) / ThiruvonamAll 2 cities | All 2 cities |
| Friday | Raksha Bandhan / Pang-Lhabsol / Friday following Eid-i-Milad-ul-Nabi / Sree Narayana Guru Jayanthi / Ayyankali JayanthiAll 2 cities | All 2 cities |
September 2026
| Date | Holiday | Cities |
|---|---|---|
| Friday | Janmashtami (Vaishnva) (Shravan Vad-8) / Krishna JayanthiAll 2 cities | All 2 cities |
| Wednesday | Birthday of Maharaja Hari Singh JiAll 2 cities | All 2 cities |
October 2026
| Date | Holiday | Cities |
|---|---|---|
| Friday | Mahatma Gandhi JayantiAll 2 cities | All 2 cities |
| Tuesday | Dasara / Dusshera (Vijaya Dashmi) (Aaso sud-10) / Mahanavami, Ayudhapooja / Durga PujaAll 2 cities | All 2 cities |
| Monday | Laxmi Puja / Accession Day / Maharishi Valmiki’s BirthdayAll 2 cities | All 2 cities |
November 2026
| Date | Holiday | Cities |
|---|---|---|
| Tuesday | Guru Nanak Jayanti / Karthika Purnima / Rahas PurnimaAll 2 cities | All 2 cities |
December 2026
| Date | Holiday | Cities |
|---|---|---|
| Friday | ChristmasAll 2 cities | All 2 cities |
Long weekends in 2026
Banks in Jammu and Kashmir stay shut for three days or more in a row on these dates, when a holiday joins a Sunday or a bank Saturday. Plan cash and cheque deposits around them.
- 24 Jan to 26 Jan (3 days): Republic Day
- 13 Mar to 15 Mar (3 days): Chapchar Kut / Jumat-ul-Vida
- 26 Jun to 28 Jun (3 days): Muharram (Yaom-EShahadath) / Last Day of Moharam / Ashoora
- 24 Oct to 26 Oct (3 days): Laxmi Puja / Accession Day / Maharishi Valmiki’s Birthday
- 25 Dec to 27 Dec (3 days): Christmas
Second and fourth Saturdays in 2026
Banks across India are closed on these Saturdays, besides every Sunday:
Jan: 10, 24
Feb: 14, 28
Mar: 14, 28
Apr: 11, 25
May: 9, 23
Jun: 13, 27
Jul: 11, 25
Aug: 8, 22
Sep: 12, 26
Oct: 10, 24
Nov: 14, 28
Dec: 12, 26
What works on a bank holiday
- Work as usual: UPI, IMPS, NEFT and RTGS (all 24×7), ATMs, net banking, mobile banking and card payments.
- Wait for the next working day: branch services, cash deposits at the counter, cheque clearing and demand drafts.
- Stock market: NSE and BSE follow their own calendar. See the stock market holidays.
Frequently asked questions
How many bank holidays are there in Jammu and Kashmir in 2026?
RBI's list has 22 bank holidays for Jammu and Kashmir in 2026, of which 22 fall on a weekday. Banks are also closed on every Sunday and on the second and fourth Saturday of each month.
When is the first bank holiday of 2026 in Jammu and Kashmir?
Republic Day on 26 January 2026 (Monday).
Why do some holidays apply only to some cities in Jammu and Kashmir?
RBI publishes holidays for each of its regional offices. In Jammu and Kashmir these are Jammu, Srinagar. A few local holidays are observed only in the area of one office, so this page shows which cities each holiday applies to.
Are banks open on Saturdays?
Banks in India are closed on the second and fourth Saturday of every month and on all Sundays. They are open on the first, third and fifth Saturdays unless a holiday falls on that day.
Do UPI, NEFT and RTGS work on bank holidays?
Yes. UPI, IMPS, NEFT and RTGS all run 24×7, including on bank holidays, Sundays and bank Saturdays, as do ATMs, net banking and mobile banking. Cheque clearing and branch services wait until the next working day.
What happens to my EMI or SIP if its date is a bank holiday?
Auto-debits scheduled on a holiday are usually processed on the next working day. Check your loan or fund documents, as a few lenders debit on the previous working day instead.
Sources
- Reserve Bank of India – holidays under the Negotiable Instruments Act
- Reserve Bank of India – NEFT and RTGS availability
- NPCI – UPI and IMPS
Last checked on 19 September 2026. Holidays can be added or moved at short notice, for example for elections; confirm with your branch before an important visit.