Bank Holiday Data Methodology
Transparency in how we compile, verify, and maintain bank holiday calendars for India. Our methodology ensures accuracy for planning banking transactions, branch visits, and fund transfers.
Primary Data Sources
Reserve Bank of India (RBI)
The RBI publishes official bank holiday calendars annually through circular notifications. These calendars list all negotiable instruments holidays observed by scheduled banks across India.
- RBI Master Circulars on Bank Holidays
- State-wise Holiday Schedules under Negotiable Instruments Act
- Special Holiday Notifications and Amendments
State Banking Schedules
Regional holidays are compiled from state-specific banking schedules, as different states observe unique festivals and occasions as gazetted holidays.
- State Government Holiday Notifications
- Regional Banking Association Announcements
- Local Festival Observances by Banks
Data Compilation Process
Initial Collection
We download official RBI holiday circulars and state banking schedules as soon as they are published, typically in December for the following year.
Data Extraction & Normalization
Holiday dates, names, applicable states, and notes are extracted and normalized into a structured format. Each holiday is tagged by type (national/state) and scope.
Cross-Verification
We cross-verify data against multiple official sources including major bank websites, government calendars, and previous years' patterns to ensure consistency.
Regional Validation
State-specific holidays are validated against regional banking association announcements and state government notifications to ensure local accuracy.
Continuous Monitoring
Throughout the year, we monitor RBI announcements for special holidays, amendments, or one-time closures and update our calendar accordingly.
Holiday Data Structure
Each bank holiday in our database contains the following verified information:
| Field | Description |
|---|---|
| Date | Exact calendar date of the holiday (YYYY-MM-DD format) |
| Holiday Name | Official name of the holiday as per RBI notification |
| Type | Classification as national or state-specific holiday |
| Applicable States | List of Indian states where this holiday applies to banks |
| Notes | Additional context about the holiday or its observance |
| Source Label | Reference to the official notification or circular |
| Last Verified | Date when this holiday entry was last checked and verified |
Known Limitations & Disclaimers
Bank-Specific Variations
Individual banks may observe additional holidays or have different policies. Always verify with your specific bank for critical transactions.
Regional Calendar Differences
Lunar-calendar holidays (Eid, Holi, Diwali) have estimated dates that may shift by 1-2 days. Final dates are confirmed closer to the holiday.
Special Announcements
Governments occasionally declare additional holidays or change dates. Such changes are updated as soon as official notifications are issued.
Digital Services Continue
While branches are closed on holidays, digital banking services (IMPS, internet banking, mobile apps, ATMs) remain operational 24×7.
Update Frequency
- Annual Updates: Complete holiday calendars are updated in December/January for the following year
- Monthly Reviews: Regional holiday dates (especially lunar-calendar holidays) are reviewed monthly
- Real-Time Monitoring: RBI announcements and special holidays are tracked continuously and updated within 24 hours
- Last Data Verification: All holiday data was last verified on 25 February 2026