The confusion surrounding the Makar Sankranti holiday in January 2026 stems from its regional nature. As per the Reserve Bank of India (RBI) holiday calendar, the festival impacts banking operations across two different days depending on your state.
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1. State-Wise Holiday Schedule
While today (Tuesday, Jan 13) is a working day in most regions despite Lohri celebrations, the next two days will see significant closures:
| Date | States/Cities with Bank Closures | Occasion |
| Jan 14 (Wed) | Gujarat, Odisha, Assam, Arunachal Pradesh | Makar Sankranti / Magh Bihu |
| Jan 15 (Thu) | Karnataka, Tamil Nadu, Telangana, Andhra Pradesh, Sikkim, Maharashtra | Pongal / Uttarayana Punyakala / Maghe Sankranti |
| Jan 16 (Fri) | Tamil Nadu, Andhra Pradesh | Thiruvalluvar Day / Kanuma |
| Jan 17 (Sat) | Tamil Nadu | Uzhavar Thirunal |
Note: Banks in major hubs like Delhi, Mumbai (Jan 14), and Kolkata will remain open on January 14.2 However, Maharashtra (Belapur/Mumbai) observes a holiday on January 15.
2. What Stays Open?
Even if your local branch is closed, digital banking never sleeps. You can continue to use:
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UPI Payments: PhonePe, Google Pay, and Paytm will work 24/7.
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Net Banking & Mobile Apps: For immediate fund transfers (IMPS/NEFT/RTGS).
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ATMs: Cash withdrawals and balance inquiries.
3. Remaining Bank Holidays in January 2026
If you have pending bank work, keep an eye on these upcoming dates for the rest of the month:
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January 23 (Fri):6 Netaji Subhas Chandra Bose Jayanti (Closed in WB, Odisha, Tripura).
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January 24 (Sat): Fourth Saturday (Nationwide closure).
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January 25 (Sun): Sunday (Nationwide closure).
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January 26 (Mon): Republic Day (Nationwide closure).
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