By BillCut
Last updated: 12 November 2026
Is there a bank holiday today? No. Thursday, 12 November 2026 is not marked as a holiday for any city on the RBI holiday list for November 2026, as we read it today. State holidays vary by state, so check your own city and your own branch if you are unsure. Below are the next few days, the weekend rule and what to check if you have an EMI due.
Is there a bank holiday today in any city?
The Reserve Bank of India publishes a city wise list of bank holidays on its holiday page. The list marks holidays under the Negotiable Instruments Act. For 12 November 2026, no city is listed. So it appears to be a normal working day everywhere on that list. The page was summarised by us on 12 November 2026, so please open it yourself for the latest version.
What are the bank holidays in the next few days?
Based on the RBI November 2026 list, and the weekend rule explained below, this is how the coming days look. Weekday names and the second Saturday date are our own calendar check.
| Date | Day | Status |
|---|---|---|
| 12 November | Thursday | Not on the RBI list for any city |
| 13 November | Friday | Listed holiday in Shillong only (Wangala Festival) |
| 14 November | Saturday | Second Saturday, banks closed |
| 15 November | Sunday | Banks closed |
| 16 November | Monday | Listed holiday in Patna and Ranchi (Chhath Puja) |
Later in the month, 24 November (Guru Nanak Jayanti and Karthika Purnima) is a listed holiday in many cities, and 28 November is the fourth Saturday by our calendar check. Chennai, Kochi, Panaji and Thiruvananthapuram have no marked holidays in November on the page.
Why do state holidays make a bank holiday today answer different by city?
Many holidays are local or state specific. A festival may close banks in one city and not in the next. That is why the RBI page is arranged by city. If your branch is in a different city from the one you expect, look up that city. If you are not sure, call your branch or check its notice.
What is the 2nd and 4th Saturday rule?
The RBI page states that banks are closed on the second and fourth Saturdays of the month, and on Sundays. In November 2026 we count the second Saturday as 14 November and the fourth as 28 November. Check your own calendar to confirm. Online banking and UPI may still be available when branches are shut, but services can vary by bank.
What about my EMI auto debit around a holiday?
This is where many people worry. We could not find a statement from NPCI on how EMI auto debits behave on bank holidays, so we do not make a claim either way. Do not assume a debit will or will not run on a holiday. Instead:
- Ask your lender or bank how it handles an EMI date that falls on a holiday or a weekend.
- Read the mandate and loan agreement for the due date and any late payment terms.
- Keep enough balance in the account a day or two before the date, so a delay does not cause a bounce.
- Read the top level pages of NPCI and the Reserve Bank of India for current rules.
Illustrative example: suppose an EMI is due on a Saturday that is a bank holiday. You may choose to pay a day early by your own means, instead of waiting to see what happens. This is an example, not a rule. If a bank or lender mishandles a payment and does not resolve your complaint, the RBI complaint management portal is the official place to raise it. Our posts on auto debit EMI bounces, hidden auto debit rules and why auto debits fail explain the general picture.
What if EMIs keep stretching my month?
If several EMIs and card dues fall near the same dates, a holiday can make the pressure worse. Some people look at combining high interest dues into one structured EMI with one date. Check your options with BillCut if you want to see whether that could fit your situation. Approval and terms are not assured.
How BillCut can help
BillCut is a balance transfer and debt reduction platform. It works with lending partners to help eligible borrowers move high interest dues, such as credit card balances and personal loan EMIs, into one structured EMI. BillCut earns from helping borrowers refinance, so it has an interest in this option. Approval and terms depend on the partner lender.
Frequently asked questions
Is today a bank holiday?
Thursday, 12 November 2026 is not on the RBI November 2026 holiday list for any city, so it appears to be a working day.
Is tomorrow a bank holiday?
Friday, 13 November 2026 is listed as a holiday in Shillong only. Other cities are not listed.
Are banks open on the 2nd Saturday?
No. The RBI page states banks are closed on second and fourth Saturdays. In November 2026 we count the second Saturday as 14 November.
Why does my city differ from others?
Many holidays are state or local. The RBI list is arranged by city for this reason.
Will my EMI auto debit run on a bank holiday?
We cannot say. We could not verify NPCI guidance on this. Ask your lender and read your agreement.
Can I pay my EMI online on a holiday?
Online options may exist, but they vary by bank and lender. Confirm with your lender how a payment made on a holiday is treated.
Where is the official holiday list?
On the holiday page of the Reserve Bank of India website, which is arranged by month and city.
Disclaimer: This post is general information, not legal or financial advice. Holiday details were read from the RBI holiday page on 12 November 2026 and can change. Always confirm with your bank or lender.
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