Bank customers planning to visit a branch on Wednesday, September 23, 2026, should check the holiday schedule before leaving home. Banks will remain closed in some locations on Wednesday because of a regional holiday, but this is not a nationwide bank closure.
According to the September bank holiday schedule, bank branches in Jammu and Srinagar will remain closed on September 23 to mark the birth anniversary of Maharaja Hari Singh. Banks in most other parts of the country are expected to function normally on Wednesday.
Therefore, customers should not assume that SBI, PNB, Bank of Baroda, HDFC Bank, ICICI Bank, Axis Bank and other banks will remain closed across India.
Bank holidays in India frequently vary according to the state or banking centre.
Why Are Banks Closed on September 23?
The September 23 bank holiday in Jammu and Srinagar is being observed on the occasion of Maharaja Hari Singh's birth anniversary.
Maharaja Hari Singh was born on September 23, 1895, and was the last ruling Maharaja of the princely state of Jammu and Kashmir.
As a result of the regional holiday, customers in the affected banking centres should avoid depending on physical branch services on Wednesday and plan branch-specific work accordingly.
The September holiday calendar lists Jammu and Srinagar as the banking centres observing the holiday on September 23.
Are Banks Closed Across India on Wednesday?
No.
This is the most important point for customers to understand. The September 23 holiday is regional rather than an all-India bank holiday.
Bank branches in states and cities not covered by the holiday are generally expected to remain open according to their normal Wednesday schedule.
Customers in places such as Delhi, Uttar Pradesh, Bihar, Maharashtra, Karnataka, Tamil Nadu, Gujarat, Madhya Pradesh and several other regions should therefore not assume their local branch is closed simply because September 23 appears on a bank holiday list.
Regional bank holidays are determined according to the applicable holiday calendar for individual states and banking centres.
If you have an important branch visit planned, checking directly with your bank or branch before travelling remains advisable.
Online Banking Services Can Still Be Used
A bank branch holiday does not normally mean that all banking services stop.
Customers can generally continue using digital facilities such as mobile banking, internet banking and UPI for supported transactions.
ATMs and other automated banking services also generally remain available, subject to the individual bank's systems and service availability.
This means customers who only need to transfer money, check their balance, pay bills or carry out another supported digital transaction may not need to wait for the physical branch to reopen.
However, tasks that specifically require branch staff, physical documents or in-person verification may have to wait until the next working day.
Bank Holiday on September 22 in Ranchi
The September 23 closure follows another regional bank holiday on Tuesday, September 22.
Banks in Ranchi are listed as closed on September 22 on account of Karma Puja.
Once again, this does not mean banks throughout India are closed on September 22. The holiday applies to the relevant banking centre.
This sequence of regional holidays is one reason customers should always check the location associated with a holiday rather than relying only on the date.
More Bank Holidays Are Coming This Week
There are additional bank holidays scheduled during the remaining days of the week.
On September 25, banks in Gangtok are scheduled to remain closed for Indra Jatra.
Then comes a nationwide weekend closure.
September 26, 2026, is the fourth Saturday of the month. Banks across India generally remain closed on the second and fourth Saturdays.
The following day, September 27, is Sunday, which is also a regular weekly bank holiday.
This means customers with important branch-related work should take the upcoming weekend into consideration while planning transactions.
Bank Holiday Schedule From September 22 to 27
| Date | Day | Reason | Where Banks Are Closed |
|---|---|---|---|
| September 22 | Tuesday | Karma Puja | Ranchi |
| September 23 | Wednesday | Maharaja Hari Singh's Birth Anniversary | Jammu and Srinagar |
| September 24 | Thursday | No scheduled holiday mentioned | Most banking centres open |
| September 25 | Friday | Indra Jatra | Gangtok |
| September 26 | Saturday | Fourth Saturday | Across India |
| September 27 | Sunday | Weekly Holiday | Across India |
Why Bank Holidays Differ From State to State
Apart from nationwide closures on designated Saturdays and Sundays, India's banking holiday calendar includes several regional festivals and observances.
A festival celebrated as an official banking holiday in one state may be an ordinary working day in another.
That is why a headline saying “banks will be closed tomorrow” should always be read together with the affected state or city.
Customers should particularly verify local holidays before visiting a branch for services involving cash deposits or withdrawals, document submission, cheque-related work, account updates or other transactions that require assistance from bank employees.
Check Your City Before Visiting the Bank
For Wednesday, September 23, 2026, the main takeaway is simple: banks are not closed across India.
Branches in Jammu and Srinagar will observe a holiday for Maharaja Hari Singh's birth anniversary, while banks in most other parts of the country are expected to operate normally.
Customers in the affected locations can continue using available digital banking channels for many routine transactions.
With another regional holiday on September 25 followed by the fourth Saturday and Sunday on September 26 and 27, customers who need branch-based services should plan their visits according to their city's holiday schedule.
The September 23 closure in Jammu and Srinagar and the subsequent September 25–27 holidays are also reflected in the published September holiday schedule. Live Hindustan
