Bank Holiday 10 November 2026: Which Cities Are Shut

Bank holiday 10 November 2026 applies only in some cities. The RBI’s holiday list marks branches shut today in Ahmedabad, Belapur, Bengaluru, Dehradun, Gangtok, Mumbai and Nagpur for Bali Pratipada, Govardhan Puja and Vikram Samvat New Year. Delhi isn’t on the list for 9, 10 or 11 November.

Your money doesn’t stop, though. UPI, NEFT, RTGS and ATMs keep running. The one thing that does wait is in section 4, and it catches people every festive week.

⚡ Key takeaways

10 Nov (Tuesday): branches shut in Ahmedabad, Belapur, Bengaluru, Dehradun, Gangtok, Mumbai and Nagpur, per the RBI holiday matrix.
11 Nov (Wednesday, Bhai Dooj): shut in Gangtok, Imphal, Kanpur, Kolkata, Lucknow and Shimla.
Open all three days (9 to 11 Nov): New Delhi, Chennai and Hyderabad aren’t on the RBI list.
UPI, NEFT, RTGS, net banking and ATMs work on bank holidays. NEFT has run 24×7 since December 2019 and RTGS since December 2020.
Cheques are the catch. These are holidays under the Negotiable Instruments Act, so don’t plan on a cheque clearing today in a closed city.

Table of Contents

Bank Holiday 10 November: Which Cities Are Closed

The RBI publishes a holiday matrix city by city, because bank holidays in India are mostly decided at state level. For the three days after Diwali, it reads like this:

Date	Festival (RBI’s wording, shortened)	Branches shut in
Mon, 9 Nov	Diwali, Laxmi Puja, Govardhan Puja, Vishwakarma Day	Agartala, Bhopal, Chandigarh, Gangtok, Guwahati, Imphal, Jaipur, Kanpur, Lucknow, Raipur
Tue, 10 Nov	Bali Pratipada, Govardhan Puja, Laxmi Puja, Vikram Samvat New Year	Ahmedabad, Belapur, Bengaluru, Dehradun, Gangtok, Mumbai, Nagpur
Wed, 11 Nov	Laxmi Puja, Ningol Chakkouba, Bhratridwitiya, Bhai Dooj, Chitragupt Jayanti	Gangtok, Imphal, Kanpur, Kolkata, Lucknow, Shimla

So if you live in Pune or Thane, go by the Maharashtra cities on the list: Mumbai, Belapur and Nagpur are all shut on 10 November. Gujarat follows Ahmedabad, Karnataka follows Bengaluru.

Notice Gangtok. Sikkim’s branches are shut all three days. And Kanpur, Lucknow and Imphal get two of the three.

quiet Indian street with shuttered shops — Most bank holidays in India are set state by state, so one city’s closed day is another city’s working day. · Photo: Ranjeet Chauhan / Pexels

Is Your Bank Open Today? How to Check in 30 Seconds

This is the question people are typing into Google right now, and the honest answer is “depends on your city”. News lists don’t always agree with each other. Upstox’s list for 10 November names Gujarat, Maharashtra, Karnataka and Sikkim, while Angel One adds Uttarakhand. The RBI’s own matrix settles it by including Dehradun.

The quickest way

Open the RBI holiday matrix.
Pick your region (the nearest RBI office city) and the month.
Look for the date. Anything marked there is a holiday under the Negotiable Instruments Act for that region.

Or just ask your branch

Your bank’s app or website usually shows a banner on holiday days. A two-minute call to the branch saves a wasted trip, especially if you need a locker, a demand draft or cash above the ATM limit.

💡 Pro tip

Private and public sector banks follow the same RBI holiday list. If SBI is shut in your city today, so is HDFC Bank or ICICI Bank next door. Holidays go by city, not by which bank you use.

Also readUPI Payment Failed but Money Debited? The T+1 Rule and ₹100 a Day

What Still Works on a Bank Holiday

Most of what you’d do at a branch, you can do from your phone. Angel One’s holiday list says the same: branches close, but ATMs, UPI, internet banking and mobile banking stay available. Upstox puts it a little more cautiously, saying digital services are “generally expected” to work.

Service	Works on a bank holiday?	Note
UPI (GPay, PhonePe, Paytm, BHIM)	Yes	Normal daily limits apply
NEFT	Yes	24×7, all days, since 16 December 2019 (RBI)
RTGS	Yes	24×7 since 14 December 2020 (RBI)
Net banking and mobile app	Yes	Bill pay, FD booking, statements
ATM cash and deposit machines	Yes	Busy ATMs can run dry over long weekends
Cheque clearing	No, in closed cities	Waits for the next working day there
Locker, DD, passbook, KYC	No	Needs a working branch

hand holding a phone to pay at a shop counter terminal — Phone payments keep working on bank holidays; only branch counters close. · Photo: Jack Sparrow / Pexels

That RTGS line matters for big payments. When the RBI made RTGS round-the-clock in December 2020, it said India was one of very few countries running RTGS all year. So a ₹5 lakh flat booking amount or a car down payment doesn’t have to wait for a branch to open.

If a UPI payment fails on a holiday and money leaves your account, don’t panic. Our guide on UPI payment failed but money debited covers the reversal timelines and where to complain. For small daily spends, UPI Lite is handy when bank servers get slow on busy festival days.

The Catch: Cheques Don’t Clear on a Holiday

⚠️ Watch out

These holidays are declared under the Negotiable Instruments Act, the law that governs cheques. So in a city where banks are shut, cheque clearing doesn’t happen that day. If a rent cheque, a school fee cheque or a business payment is due, it will move on the next working day there, not today.

This is the open loop from the top, and it bites in festive weeks more than any other time. Someone in Mumbai deposits a cheque on Monday evening, expects it to clear Tuesday, and it doesn’t, because Tuesday is a bank holiday in Mumbai.

Yes, cheques got faster. Since 4 October 2025, banks send cheque images through the day instead of in fixed batches, with presentation from 9 AM to 3 PM, as Business Today explains. But that window only runs on working days, so a holiday in your city still means a pause.

What to do if a cheque is due

Pay by NEFT or UPI instead, if the person accepts it. Ask them first and share the transaction ID.
Deposit it anyway in a drop box if your branch has one. It’ll go in the queue for the next working day.
Watch the next weekend: 14 November is the second Saturday, so branches everywhere are shut again then.

Plan the Rest of November Around These Dates

Diwali week isn’t the only break. Here’s what the rest of the month looks like, based on Angel One’s and Upstox’s lists, which both say they follow the RBI calendar. Check the RBI matrix for your city before you count on any of these.

13 Nov (Fri): Wangala Festival, Meghalaya.
14 Nov (Sat): Second Saturday, all banks shut.
16 Nov (Mon): Chhath Puja, Bihar and Jharkhand.
20 Nov (Fri): Igas-Bagwal, Uttarakhand.
24 Nov (Tue): Guru Nanak Jayanti, across many states including Delhi, Punjab, Maharashtra and Uttar Pradesh.
28 Nov (Sat): Fourth Saturday, all banks shut.

If you’re in Bihar, 14, 15 and 16 November are back to back. That’s three days without a branch, so do your cash withdrawals and cheque deposits by Friday 13 November.

Also check your UPI AutoPay list before a long weekend. A subscription renewing on a holiday still goes through, because it’s digital. If you’ve been meaning to stop one, our guide to cancelling UPI AutoPay mandates takes two minutes.

Also readCancel UPI AutoPay in 2 Minutes: Find Mandates You Forgot

Holiday Scams to Watch This Week

A closed branch is a perfect excuse for fraudsters. “Your KYC must be updated today, branch is closed, click this link” is a message that sounds believable on a holiday. It isn’t. Banks don’t ask for your PIN, OTP or card details on a call, SMS or WhatsApp, holiday or not.

Two more to watch for:

Fake payment screenshots. Shops are busy after Diwali, and a cooked-up “payment successful” image is the oldest trick. Check the money actually arrived in your own app; our fake UPI screenshot guide shows how.
“Refund” calls. If you shopped during the sale, expect calls offering to “process your refund” if you share a screen or install an app. Hang up and use the shopping app’s own help section.

If money does go missing, call 1930 (the national cyber crime helpline) quickly and follow our steps for money missing from a bank account.

Our Take: Skip the Branch Trip Today

✅ Our verdict

If you’re in Mumbai, Bengaluru, Ahmedabad, Nagpur, Dehradun or Gangtok, don’t go to the branch today. Do your transfers by UPI, NEFT or RTGS, and keep cheques for Wednesday. In Kolkata, Lucknow, Kanpur and Shimla, today is a working day but tomorrow isn’t, so finish branch work today.

Delhi, Chennai and Hyderabad readers have it easiest this week: all three days are working days, per the RBI matrix. Just remember Saturday the 14th.

Frequently Asked Questions

Is 10 November 2026 a bank holiday?

Only in some cities. The RBI holiday matrix lists Ahmedabad, Belapur, Bengaluru, Dehradun, Gangtok, Mumbai and Nagpur for 10 November. Banks elsewhere are open.

Are banks closed on 11 November for Bhai Dooj?

In Gangtok, Imphal, Kanpur, Kolkata, Lucknow and Shimla, yes, per the RBI list. Most other cities have a normal working day.

Is the bank open today in Delhi?

Yes. New Delhi doesn’t appear on the RBI holiday list for 9, 10 or 11 November 2026, so branches follow normal hours.

Does UPI work on a bank holiday?

Yes. UPI, net banking, mobile banking and ATMs keep working when branches are closed. Normal UPI limits still apply.

Can I send money by NEFT or RTGS today?

Yes. The RBI made NEFT available 24×7 on all days, including holidays, from 16 December 2019, and RTGS 24×7 from 14 December 2020.

The Bottom Line

Bank holiday 10 November is a city thing, not a national one: seven cities shut today, six tomorrow, and Delhi none of the three days. Your phone can do nearly everything a branch can. Hold your cheques for a working day, and check the RBI matrix before you make a trip.

Keep reading

Sources

Bank Holiday 10 November 2026: Is Your Bank Open Today?