The Reserve Bank of India (RBI) has released the bank holiday schedule for January 2026, with closures varying by state due to local festivals and observances. Key holidays include New Year's Day, Makar Sankranti, Pongal, and Republic Day. Banks will also be closed on all Sundays and the second and fourth Saturdays. While branch services will be unavailable on these days, digital services like net banking, UPI, and ATMs will remain accessible.