What is an IFSC Code?

IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch participating in the NEFT, RTGS, and IMPS electronic funds transfer systems in India.

How do I find my bank's IFSC code?

You can find your bank's IFSC code printed on your cheque leaf or passbook. Alternatively, search on Bankonic by selecting your bank, state, and branch.

Can I apply for a personal loan using my IFSC code?

Yes! Banks use your IFSC code to verify your existing bank account during loan applications. Having an active account with verified IFSC speeds up loan processing.

Is my money safe during online transfers using IFSC?

Yes, NEFT/RTGS/IMPS transfers using IFSC codes are highly secure. All transactions are encrypted and monitored by RBI.

Jammu and Kashmir · 2026

Bank Holidays in Jammu and Kashmir 2026

This calendar covers bank holidays in Jammu and Kashmir for 2026, including both national bank holidays applicable across India and state-specific holidays notified by the Jammu and Kashmir government. On these days, physical bank branches in Jammu and Kashmir remain closed, while ATM, UPI, IMPS, and net banking channels continue to operate.

Overview of bank holidays in Jammu and Kashmir 2026

In 2026, banks operating in Jammu and Kashmir observe 12 national bank holidays and 4 additional state-specific bank holidays. Branch timings may also be affected by local festivals and notifications, so it is always advisable to confirm with your specific branch for time-sensitive transactions.

Bank holidays in Jammu and Kashmir 2026 by month

The list below shows all bank holidays applicable to Jammu and Kashmir in 2026, grouped month by month. This includes both all-India national holidays and regional holidays specifically for Jammu and Kashmir.

Bank holidays in Jammu and Kashmir in January 2026

Mon26 Jan, 2026

Republic Day

National bank holiday

Applies across India – all scheduled bank branches closed.

National holiday - all banks closed across India

Bank holidays in Jammu and Kashmir in February 2026

Thu26 Feb, 2026

Maha Shivaratri

State bank holiday

Applies in: Jammu and Kashmir

Night of Lord Shiva - major Hindu festival

Bank holidays in Jammu and Kashmir in March 2026

Fri6 Mar, 2026

Holi / Holika Dahan

State bank holiday

Applies in: Jammu and Kashmir

Festival of colors - Dhulandi/main day

Bank holidays in Jammu and Kashmir in April 2026

Thu2 Apr, 2026

Good Friday

National bank holiday

Applies across India – all scheduled bank branches closed.

Christian observance - national bank holiday

Tue14 Apr, 2026

Dr. B.R. Ambedkar Jayanti / Vaisakhi / Vishu / Bohag Bihu

National bank holiday

Applies across India – all scheduled bank branches closed.

National holiday - also coincides with regional New Year festivals

Tue21 Apr, 2026

Id-ul-Fitr (Ramzan Eid)

National bank holiday

Applies across India – all scheduled bank branches closed.

Islamic festival marking end of Ramadan - date subject to moon sighting

Bank holidays in Jammu and Kashmir in May 2026

Thu7 May, 2026

Buddha Purnima / Vesak

National bank holiday

Applies across India – all scheduled bank branches closed.

Birth anniversary of Gautama Buddha - national holiday

Bank holidays in Jammu and Kashmir in June 2026

Mon29 Jun, 2026

Id-ul-Zuha (Bakrid)

National bank holiday

Applies across India – all scheduled bank branches closed.

Islamic festival of sacrifice - date subject to moon sighting

Bank holidays in Jammu and Kashmir in July 2026

Wed29 Jul, 2026

Muharram / Ashura

State bank holiday

Applies in: Jammu and Kashmir

Islamic day of mourning - date subject to moon sighting

Bank holidays in Jammu and Kashmir in August 2026

Sat15 Aug, 2026

Independence Day

National bank holiday

Applies across India – all scheduled bank branches closed.

National holiday - all banks closed across India

Bank holidays in Jammu and Kashmir in September 2026

Fri11 Sept, 2026

Milad-un-Nabi / Id-e-Milad

State bank holiday

Applies in: Jammu and Kashmir

Birth anniversary of Prophet Muhammad - date subject to moon sighting

Bank holidays in Jammu and Kashmir in October 2026

Fri2 Oct, 2026

Mahatma Gandhi Jayanti

National bank holiday

Applies across India – all scheduled bank branches closed.

Birth anniversary of Mahatma Gandhi - national holiday

Sun18 Oct, 2026

Dussehra / Vijaya Dashami

National bank holiday

Applies across India – all scheduled bank branches closed.

Victory of good over evil - national holiday

Bank holidays in Jammu and Kashmir in November 2026

Thu5 Nov, 2026

Diwali (Deepavali) / Lakshmi Puja

National bank holiday

Applies across India – all scheduled bank branches closed.

Festival of lights - national bank holiday

Sat14 Nov, 2026

Guru Nanak Jayanti / Guru Nanak Gurpurab

National bank holiday

Applies across India – all scheduled bank branches closed.

Birth anniversary of Guru Nanak Dev - national holiday

Bank holidays in Jammu and Kashmir in December 2026

Fri25 Dec, 2026

Christmas

National bank holiday

Applies across India – all scheduled bank branches closed.

Christian festival - national bank holiday

View India-wide bank holidays for 2026

For a complete overview of bank holidays applicable across all states and union territories, refer to the India-wide bank holiday calendar.

Open India bank holidays 2026 →