{"id":17035,"date":"2026-10-26T06:13:56","date_gmt":"2026-10-26T06:13:56","guid":{"rendered":"https:\/\/accelaronix.in\/blogs\/?p=17035"},"modified":"2026-10-26T06:14:16","modified_gmt":"2026-10-26T06:14:16","slug":"bank-holidays-november-2026","status":"publish","type":"post","link":"https:\/\/www.billcut.com\/blogs\/bank-holidays-november-2026\/","title":{"rendered":"Bank Holidays November 2026: State-wise List and What Happens to Your EMI"},"content":{"rendered":"

By BillCut<\/strong>
Last updated:<\/strong> October 2026<\/p>\n

Bank holidays November 2026 fall on nine dates under the Reserve Bank of India\u2019s holiday list, led by Diwali on 9 to 11 November and Guru Nanak Jayanti on 24 November. Banks also close on the second and fourth Saturdays, 14 and 28 November. Your EMI auto-debit can still go through on a holiday.<\/p>\n

Holidays differ by city, so a branch in Mumbai may be shut on a day when a branch in Chennai is open. Below is the full bank holiday list for November 2026, exactly as the RBI publishes it, followed by what a holiday means for your EMI, card bill and cheques.<\/p>\n

What is the bank holiday list for November 2026 \u20b9<\/h2>\n

The table below comes from the RBI\u2019s holiday matrix<\/a>, which lists holidays under the Negotiable Instruments Act by RBI regional office. The RBI groups holidays by city, not by state, so each city below stands for the area its regional office covers. The occasion names are copied as the RBI lists them for each date.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
Date<\/th>\nDay<\/th>\nOccasion (as listed by the RBI)<\/th>\nCities where banks are closed<\/th>\n<\/tr>\n
9 November 2026<\/td>\nMonday<\/td>\nDiwali\/Laxmi Puja (Deepawali)\/Govardhan Pooja\/Vishwakarma Day<\/td>\nAgartala, Bhopal, Chandigarh, Gangtok, Imphal, Jaipur, Kanpur, Lucknow<\/td>\n<\/tr>\n
10 November 2026<\/td>\nTuesday<\/td>\nDiwali (Bali Pratipada)\/Deepawali (Govardhan Puja)\/Laxmi Puja\/Vikram Samvant New Year Day<\/td>\nAhmedabad, Belapur, Bengaluru, Dehradun, Gangtok, Mumbai, Nagpur<\/td>\n<\/tr>\n
11 November 2026<\/td>\nWednesday<\/td>\nLaxmi Puja (Deepawali)\/Ningol Chakkouba\/Bhratridwitiya\/Bhaidooj\/Chitragupt Jayanti<\/td>\nGangtok, Imphal, Kanpur, Kolkata, Lucknow, Shimla<\/td>\n<\/tr>\n
13 November 2026<\/td>\nFriday<\/td>\nWangala Festival<\/td>\nShillong<\/td>\n<\/tr>\n
16 November 2026<\/td>\nMonday<\/td>\nChhath Puja\/Surya Shashti Dala Chhath (Prath Arghya)<\/td>\nPatna, Ranchi<\/td>\n<\/tr>\n
20 November 2026<\/td>\nFriday<\/td>\nIgas-Bagwal<\/td>\nDehradun<\/td>\n<\/tr>\n
23 November 2026<\/td>\nMonday<\/td>\nSeng Kut Snem<\/td>\nShillong<\/td>\n<\/tr>\n
24 November 2026<\/td>\nTuesday<\/td>\nGuru Nanak Jayanti\/Karthika Purnima\/Rahas Purnima<\/td>\nAizawl, Belapur, Bhopal, Bhubaneswar, Chandigarh, Dehradun, Hyderabad, Itanagar, Jaipur, Jammu, Kanpur, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Raipur, Ranchi, Shimla, Srinagar<\/td>\n<\/tr>\n
27 November 2026<\/td>\nFriday<\/td>\nKanakadasa Jayanthi<\/td>\nBengaluru<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

In the RBI matrix for November 2026, six regional offices show no holiday under the Negotiable Instruments Act: Chennai, Guwahati, Kochi, Panaji, Thiruvananthapuram and Vijayawada. If you searched for \u092c\u0948\u0902\u0915 \u0905\u0935\u0915\u093e\u0936 \u0928\u0935\u0902\u092c\u0930 2026, this is the same list.<\/p>\n

Which Saturdays and Sundays are banks closed in November 2026 \u20b9<\/h2>\n

Since 1 September 2015, all scheduled and non-scheduled banks observe a public holiday on the second and fourth Saturdays of every month, and work full days on the other Saturdays, according to the RBI\u2019s press release on Saturday holidays<\/a>.<\/p>\n\n\n\n\n\n\n\n
Saturdays in November 2026<\/th>\nBank status<\/th>\n<\/tr>\n
7 November (first Saturday)<\/td>\nWorking day<\/td>\n<\/tr>\n
14 November (second Saturday)<\/td>\nBank holiday<\/td>\n<\/tr>\n
21 November (third Saturday)<\/td>\nWorking day<\/td>\n<\/tr>\n
28 November (fourth Saturday)<\/td>\nBank holiday<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

The RBI holiday matrix does not list Sundays. The Sundays in November 2026 are 1, 8, 15, 22 and 29 November. If you need a branch on one of these dates, check its working days with your bank first.<\/p>\n

Is the bank open today? How to check<\/h2>\n

To check whether your bank is open today, find your city in the table above, then check whether the date is a second or fourth Saturday. Holidays vary by state, and a branch may also close for local reasons, such as an order by the state government or a local event. The safest step is to call your branch or check your bank\u2019s app before you travel.<\/p>\n

A branch holiday usually does not stop digital banking. UPI, net banking, mobile banking and ATMs usually keep working, though an ATM may run low on cash over a long weekend. NEFT is available on all days of the year, including holidays, under the RBI\u2019s 24\u00d77 NEFT circular<\/a>.<\/p>\n

What happens to your EMI or card payment on a bank holiday?<\/h2>\n

Most EMIs are collected by auto-debit through NACH, the National Automated Clearing House. In its June 2021 statement on developmental and regulatory policies<\/a>, the RBI said NACH would be available on all days of the week throughout the year from 1 August 2021. The same statement says NACH is used to collect periodic instalments towards loans.<\/p>\n

So an EMI due on Diwali or Guru Nanak Jayanti can still be debited on its due date. If your account is short that day, the debit can fail and your lender may charge a bounce fee. Keep enough balance in the account the day before the due date, especially if salary or a transfer may be delayed by the holiday.<\/p>\n

For credit cards, the RBI\u2019s credit card Master Direction<\/a> says late payment charges and related charges apply only when a card account remains past due for more than three days, counted from the payment due date on your statement. Late charges are levied only on the outstanding amount after the due date. This three day window covers late fees only: if you do not pay the total amount due by the due date, you lose the interest-free period and interest can apply.<\/p>\n\n\n\n\n\n\n\n\n
Payment type<\/th>\nDoes a bank holiday affect it?<\/th>\n<\/tr>\n
EMI auto-debit through NACH<\/td>\nNo, NACH runs on all days; keep the balance ready<\/td>\n<\/tr>\n
Credit card bill paid by UPI, net banking or app<\/td>\nUsually no, digital channels usually keep working<\/td>\n<\/tr>\n
NEFT transfer<\/td>\nNo, NEFT runs on all days including holidays<\/td>\n<\/tr>\n
Cash or cheque paid at a branch<\/td>\nYes, the branch is shut; pay on an earlier working day<\/td>\n<\/tr>\n
Cheque you deposit for clearing<\/td>\nMay take longer; ask your branch<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Cheques are cleared through the Cheque Truncation System, which has a single presentation session from 10:00 AM to 4:00 PM, according to the RBI\u2019s continuous clearing circular<\/a>. If you pay a card bill or a loan by cheque, give it several working days before the due date, and ask your branch how a holiday changes the timing.<\/p>\n

An illustrative example<\/h3>\n

Say you have a personal loan EMI of Rs 12,000 due on 24 November 2026, which is Guru Nanak Jayanti and a bank holiday in many cities. Your salary account has Rs 9,500 on 23 November, and your employer\u2019s transfer arrives on 25 November. The NACH debit can still be presented on 24 November, so it may fail for a shortfall of Rs 2,500. A bounce fee and a missed payment can follow, even though the holiday did not stop the debit. These figures are illustrative.<\/p>\n

If bounced EMIs or late fees are piling up across several loans and cards, moving those dues into one structured EMI may make the dates easier to manage, though it comes with its own fees and terms. Check your options with BillCut<\/a>.<\/p>\n

What should you do before the November 2026 bank holidays?<\/h2>\n
    \n
  1. Find your city in the RBI list above and mark the holidays in your calendar, along with 14 and 28 November.<\/li>\n
  2. Check the due dates of every EMI and card bill that falls between 9 and 28 November.<\/li>\n
  3. Keep enough balance in your EMI account the day before each due date. See why an auto-debit EMI bounce<\/a> can cost more than the fee.<\/li>\n
  4. Pay card bills by UPI, net banking or your card app a day or two early rather than by cheque.<\/li>\n
  5. If an auto-debit fails, pay the lender directly as soon as you can. BillCut explains common auto-debit failures in India<\/a> and the auto-debit rules<\/a> many borrowers miss.<\/li>\n
  6. Call your branch before any visit, since local closures can happen at short notice.<\/li>\n<\/ol>\n

    How BillCut can help<\/h2>\n

    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, and it only makes sense if the total cost after fees is lower. To see what repeated bounces cost, read about EMI bounce charges<\/a>.<\/p>\n

    Frequently asked questions<\/h2>\n\n
    \n
    \n
    \n

    Is the bank open today?<\/h3>\n
    \n\n

    It depends on your city and the date. Check the RBI holiday list for your city, remember that banks close on the second and fourth Saturdays, and confirm with your branch.<\/p>\n\n<\/div>\n<\/div>\n

    \n

    How many bank holidays are there in November 2026 \u20b9<\/h3>\n
    \n\n

    The RBI list has holidays on nine dates in November 2026, but no single city has more than three of them. Banks are also closed on 14 and 28 November, the second and fourth Saturdays.<\/p>\n\n<\/div>\n<\/div>\n

    \n

    Is Guru Nanak Jayanti a bank holiday in November 2026 \u20b9<\/h3>\n
    \n\n

    Yes. The RBI lists Guru Nanak Jayanti on 24 November 2026 as a holiday in 21 regional office cities, including New Delhi, Mumbai, Kolkata, Hyderabad, Chandigarh and Jaipur.<\/p>\n\n<\/div>\n<\/div>\n

    \n

    Are banks closed for Diwali in November 2026 \u20b9<\/h3>\n
    \n\n

    Yes, in many cities. The RBI lists Diwali related holidays on 9, 10 and 11 November 2026, and the cities differ for each date.<\/p>\n\n<\/div>\n<\/div>\n

    \n

    Will my EMI be debited on a bank holiday?<\/h3>\n
    \n\n

    It can be. The RBI made NACH, which most EMI auto-debits use, available on all days of the week from 1 August 2021, so keep enough balance the day before your due date.<\/p>\n\n<\/div>\n<\/div>\n

    \n

    Does UPI work on bank holidays?<\/h3>\n
    \n\n

    UPI usually keeps working on bank holidays, along with net banking and ATMs. Branch services such as cash deposits and cheque counters are the ones a holiday usually stops.<\/p>\n\n<\/div>\n<\/div>\n

    \n

    Is 14 November 2026 a bank holiday?<\/h3>\n
    \n\n

    Yes. 14 November 2026 is the second Saturday of the month, and banks observe a public holiday on the second and fourth Saturdays.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n

    This article is for general information only and is not financial advice. The holiday list is taken from the RBI\u2019s published holiday matrix and may change, and the loan figures above are illustrative. Check with your bank branch and your loan documents, and speak to a qualified professional before making decisions.<\/p>","protected":false},"excerpt":{"rendered":"

    Bank holidays November 2026 fall on nine dates under the Reserve Bank of India’s holiday list, led by Diwali on 9 to 11 November and Guru Nanak Jayanti on 24 November. Banks also close on the second and fourth Saturdays, 14 and 28 November. Your EMI auto-debit can still go through on a holiday.<\/p>\n","protected":false},"author":2,"featured_media":1004,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","rank_math_title":"Bank Holidays November 2026: State-wise List and EMI Rules","rank_math_description":"Bank holidays November 2026 from the RBI list: Diwali, Chhath, Guru Nanak Jayanti, 2nd and 4th Saturdays, and whether your EMI is debited on a bank holiday.","rank_math_focus_keyword":"bank holidays november 2026","rank_math_primary_category":16},"categories":[16],"tags":[],"class_list":["post-17035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts\/17035","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/comments?post=17035"}],"version-history":[{"count":1,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts\/17035\/revisions"}],"predecessor-version":[{"id":17036,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts\/17035\/revisions\/17036"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/media\/1004"}],"wp:attachment":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/media?parent=17035"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/categories?post=17035"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/tags?post=17035"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}