Summary of this article
Banks remain open across states on January 13
January 14 closures apply in select northern and eastern states
January 15 holidays observed mainly in southern states
Many bank customers are confused about whether banks would be closed on January 13 or 14, on the occasion of Lohri. This is because bank holidays across the country are not uniform and depend on the state-specific holidays, in accordance with the annual holiday calendar issued by the Reserve Bank of India (RBI).
According to the official RBI bank holiday list, Lohri itself is not notified as a bank holiday. However, banks can remain closed in some areas in mid-January because of other regional festivals, which has led to uncertainty for customers planning to visit the branches.
Are Banks Closed On January 13, 2026
No. Banks are open on January 13, 2026. There is no bank holiday notified on this date and the branches are operating according to normal working hours across states.
States Where Banks are Closed on January 14
Banks will remain closed in Gujarat, Odisha, Assam and Arunachal Pradesh on January 14, 2026. Makar Sankranti and Magh Bihu falls on January 14 this year, which are celebrated in different parts of the country.
States Where Banks are Closed on January 15
Banks will remain closed in Karnataka, Tamil Nadu, Sikkim, Andhra Pradesh and Telangana on January 15, 2026. The reason for this closure is festivals, such as Uttarayana Punyakala, Pongal and Maghe Sankranti or Makara Sankranti, depending on the state.
While branches will remain closed in these states on those specific holidays, most digital banking services, such as Unified Payments Interface (UPI), Netbanking and ATM withdrawals will remain available.
List of all Bank Holidays in January 2026
January 1: New Year's Day or Gaan-Ngai
January 2: New Year Celebration or Mannam Jayanthi
January 3: Birthday of the Hazrat Ali
January 12: Swami Vivekananda birthday
January 14: Makar Sankranti or Magh Bihu
January 15: Uttarayana Punyakala Pongal, Maghe Sankranti Makara Sankranti or election of municipal corporations in Maharashtra
January 16: Thiruvalluvar Day or Kanuma
January 17: Uzhavar Thirunal
January 23: Birth Anniversary of Netaji Subhas Chandra Bose, Saraswati Puja (Shree Panchami), Vir Surendrasai Jayanti or Basanta Panchami
January 26: Republic Day
Customers are advised to check notices regarding holidays for their respective states before visiting bank branches in the month of January as bank holidays vary by location.
