Days banks are closed in Jammu and Kashmir in January 2026
| Date | Day | Why banks are closed |
|---|---|---|
| 4 Jan | Sunday | Sunday |
| 10 Jan | Saturday | Second Saturday |
| 11 Jan | Sunday | Sunday |
| 18 Jan | Sunday | Sunday |
| 24 Jan | Saturday | Fourth Saturday |
| 25 Jan | Sunday | Sunday |
| 26 Jan | Monday | Republic Day |
Highlighted rows are holidays on RBI's list; holiday names are as RBI publishes them.
Working days and long weekends
Banks in Jammu and Kashmir are open on 24 days in January 2026. Plan around this stretch of three or more closed days in a row:
- 24 Jan to 26 Jan (3 days): Republic Day
Cheques deposited just before a closed day clear on the next working day. EMIs and SIPs due on a closed day are usually debited on the next working day. UPI, NEFT, RTGS, IMPS, ATMs and net banking work every day.
See every holiday of the year in the Jammu and Kashmir bank holidays 2026 list, or all states in bank holidays in January 2026.
Frequently asked questions
How many days are banks closed in Jammu and Kashmir in January 2026?
7 days: 4 Jan, 10 Jan, 11 Jan, 18 Jan, 24 Jan, 25 Jan, 26 Jan. One is a holiday on RBI's list; the rest are Sundays and bank Saturdays.
Is 26 January 2026 a bank holiday in Jammu and Kashmir?
Yes: banks are closed for Republic Day on Monday, 26 January 2026.
Which Saturdays are banks closed in January 2026?
The second and fourth Saturdays: 10 Jan and 24 Jan. Banks are open on the other Saturdays unless a holiday falls on them.
Do UPI, NEFT and RTGS work on bank holidays?
Yes. UPI, IMPS, NEFT and RTGS run 24×7, including on bank holidays, Sundays and bank Saturdays, as do ATMs and net banking. Cheque clearing and branch services wait for the next working day.
Sources
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.