Bank Holidays 2026 — Jammu & Kashmir

There are 20 declared bank holidays in Jammu & Kashmir in 2026 — 5 national holidays, 13 state holidays, and 2 regional holidays. This count does not include 2nd & 4th Saturdays and Sundays, which are weekly offs.

The Reserve Bank of India publishes bank holiday notifications for Jammu & Kashmir using Jammu as the reference city. Banks in the state follow these notifications.

Yes. April 1, 2026 (Wednesday) is the Annual Bank Closing Day for all banks across India, including those in Jammu & Kashmir. Banks use this day to close their annual accounts. Digital banking channels remain available.

No. Under the IBA bipartite settlement, all 2nd and 4th Saturdays are declared non-working days for banks across India. The 1st, 3rd, and 5th Saturdays are working days (half-day in some banks). All Sundays are also off.

NEFT is available 24×7 on all days including bank holidays and Sundays. RTGS operates 24×7 as well. However, same-day settlement for high-value cheques and some interbank transfers may be delayed on declared holidays.

The Reserve Bank of India publishes the official bank holiday list for Jammu & Kashmir on its website under the 'Notifications' section. You can also check the holiday notice displayed at your bank's branch or its official website.

Yes. All scheduled commercial banks — public sector, private sector, and foreign banks operating in Jammu & Kashmir — are required to observe the holidays declared by the RBI under the Negotiable Instruments Act, 1881. However, some private banks may have additional closures for internal reasons.