November 2026 is a festival month, and bank branches will close on different days in different cities. If you deposit cash, clear cheques or pay suppliers by cheque, plan around these dates. The list below is from the Reserve Bank of India's holiday matrix.
Key takeaway: Diwali falls on Sunday 8 November; branches then close city-wise on 9, 10 and 11 November. Guru Nanak Jayanti on 24 November is the widest closure, in 21 RBI centres. All banks close on the 2nd and 4th Saturdays (14 and 28 November). UPI, NEFT, RTGS and IMPS work every day.
November 2026 bank holidays (RBI list)
| Date | Occasion | Banks closed in (RBI centres) |
|---|---|---|
| Sun, 1 Nov | Sunday (Kannada Rajyotsava / state days also fall today) | All |
| Sun, 8 Nov | Sunday — Diwali (Lakshmi Puja) | All |
| Mon, 9 Nov | Diwali / Govardhan Puja | Agartala, Bhopal, Chandigarh, Gangtok, Imphal, Jaipur, Kanpur, Lucknow |
| Tue, 10 Nov | Diwali (Bali Pratipada) / Vikram Samvat New Year | Ahmedabad, Belapur, Bengaluru, Dehradun, Gangtok, Mumbai, Nagpur |
| Wed, 11 Nov | Bhai Dooj / Bhratri Dwitiya | Gangtok, Imphal, Kanpur, Kolkata, Lucknow, Shimla |
| Fri, 13 Nov | Wangala Festival | Shillong |
| Sat, 14 Nov | Second Saturday | All |
| Mon, 16 Nov | Chhath Puja | Patna, Ranchi |
| Fri, 20 Nov | Egas Bagwal | Dehradun |
| Mon, 23 Nov | Seng Kut Snem | Shillong |
| Tue, 24 Nov | Guru Nanak Jayanti | Aizawl, Belapur, Bhopal, Bhubaneswar, Chandigarh, Dehradun, Hyderabad, Itanagar, Jaipur, Jammu, Kanpur, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Raipur, Ranchi, Shimla, Srinagar |
| Fri, 27 Nov | Kanakadasa Jayanti | Bengaluru |
| Sat, 28 Nov | Fourth Saturday | All |
Sundays (1, 8, 15, 22 and 29 November) are closed everywhere. Holidays are declared under the Negotiable Instruments Act for each RBI centre and usually cover that state; check with your branch for local closures.
Longest closures by city
- Mumbai, Ahmedabad, Bengaluru, Nagpur: Sunday 8 and Tuesday 10 November — Monday 9 is a working day in between.
- Lucknow, Kanpur: Sunday 8 to Wednesday 11 November — four days without branch service.
- Kolkata: Sunday 8 and Wednesday 11 November, then 24 November.
- Patna, Ranchi: Saturday 14 to Monday 16 November (second Saturday, Sunday, Chhath).
Business dates in November that do not move
| Due date | What | Note |
|---|---|---|
| 7 Nov | TDS/TCS deposit for October | Pay online — bank holidays do not extend it |
| 11 Nov | GSTR-1 (monthly filers) | Bhai Dooj holiday in some cities; filing is online |
| 13 Nov | IFF (QRMP filers, optional) | Online |
| 15 Nov | PF and ESI for October wages | Pay through EPFO/ESIC portals |
| 20 Nov | GSTR-3B (monthly filers) | Pay tax online before filing |
| 25 Nov | PMT-06 (QRMP filers, tax for October) | Online challan |
Online payments run on holidays, but cheque clearing does not. A cheque deposited on 7 November in Lucknow may not clear until 12 November.
Playbook for shop owners
- Deposit Diwali cash collections before your city's closure, or the first working day after.
- Ask suppliers to accept UPI or NEFT during the week of 8–11 November instead of cheques.
- Keep enough cash for wages and Diwali bonuses — ATMs run short around long weekends.
- File GSTR-1 and pay GST a day early; portals slow down near due dates.
Plan cash and payments in DAM
Steps use DAM's in-app search.
- Open Search and type Day Book to see every receipt and payment by date, including cash in hand.
- Search Pay Money to record supplier payments made by UPI or bank, choosing the mode with Add Payment Mode.
- Search Reports and open GSTR-1 or GSTR-3B to get filing numbers ready before 11 and 20 November.
Know your cash before the bank shuts
See cash in hand and bank balances in one Day Book, every evening.
Frequently Asked Questions
Are banks closed on Diwali 2026?
Diwali is on Sunday 8 November, so all branches are shut. Several cities also close on 9, 10 or 11 November.
Is 24 November a bank holiday?
Yes, for Guru Nanak Jayanti in 21 RBI centres including Delhi, Mumbai, Kolkata, Hyderabad, Jaipur and Lucknow.
Which Saturdays are bank holidays in November 2026?
The second and fourth Saturdays: 14 and 28 November.
Do UPI and NEFT work on bank holidays?
Yes. UPI, IMPS, NEFT and RTGS run every day, including holidays.
Sources
Content checked on 25 October 2026. RBI: Holiday matrix, November 2026 · GST portal: return due dates.
Disclaimer: This guide is for educational purposes only and does not constitute formal tax, legal or financial advice. Local holidays can be added or changed by state governments; confirm with your branch. Verify with a registered Chartered Accountant (CA) before acting.