Bank Holiday on December 25: Banks to Remain Closed Nationwide on Christmas, Here’s What Services Will Work

Banks across India will remain closed on Thursday, December 25, 2025, due to Christmas, which is observed as a public holiday throughout the country. If you were planning to visit a bank branch to complete any important work, it is advisable to reschedule, as all public and private sector banks will stay shut on this day.

According to the Reserve Bank of India (RBI) bank holiday calendar, Christmas is listed as a nationwide holiday. This means branch-based banking services will not be available anywhere in the country on December 25.

What Will Remain Closed on December 25?

As banks will be shut for the public holiday, customers will not be able to access in-branch services, including:

• Cash deposits and withdrawals at bank counters

• Cheque clearance and cheque-related services

• Demand draft issuance

• Passbook updates

• Any other branch-dependent transactions

These services fall under the Negotiable Instruments Act, which does not operate on notified bank holidays. Therefore, customers who need such services should plan their banking activities either before December 25 or after banks reopen.

Good News: Digital Banking Services Will Continue

Despite the nationwide bank holiday, digital and electronic banking services will function normally. Customers can continue to use the following services without interruption:

• UPI payments (Google Pay, PhonePe, Paytm, BHIM, etc.)

• Mobile banking apps

• Internet banking

• ATM cash withdrawals and balance checks

• Online bill payments and fund transfers

This ensures that day-to-day financial transactions will not be affected, even though physical bank branches will remain closed.

Bank Holidays in December 2025: City-Wise List

In addition to Christmas, banks are closed on different dates in select states due to local festivals and observances. Below are some key upcoming bank holidays in December 2025:

• December 24 (Christmas Eve):
  Banks closed in Aizawl, Kohima and Shillong

• December 25 (Christmas):
  Banks closed across India

• December 26 (Christmas Celebration):
  Banks closed in Aizawl, Kohima and Shillong

• December 27:
  Banks closed in Kohima only

• December 30 (Death Anniversary of U Kiang Nangbah):
  Banks closed in Shillong

• December 31 (New Year’s Eve / Imoinu Iratpa):
  Banks closed in Aizawl and Imphal

Since bank holidays vary by state and city, customers are advised to check the RBI holiday list or confirm with their local bank branch before planning visits.

Why Has RBI Declared These Holidays?

The RBI declares bank holidays under three main categories:

1. National holidays (such as Christmas)

2. State-specific festivals and anniversaries

3. Observances related to local customs or historical events

Christmas on December 25 is celebrated nationwide, which is why banks remain closed across all states and union territories on this day.

What Should Customers Do?

If you have important banking work that requires visiting a branch—such as cheque deposits, large cash transactions, or document verification—it is best to complete it before December 25. Alternatively, you can plan your visit after banks reopen, depending on your city’s local holiday schedule.

For routine transactions, customers can comfortably rely on UPI, ATMs and online banking, which will remain operational even during the holiday.

Bottom Line

• December 25, 2025 (Thursday) is a nationwide bank holiday due to Christmas

• All bank branches will remain closed across India

• Digital banking, UPI and ATM services will continue normally

• Plan branch-related banking work in advance to avoid inconvenience

Staying updated with the RBI’s bank holiday calendar can help you manage your finances smoothly, especially during the festive season.