Banks in India will be closed on January 3, 2026, only in Uttar Pradesh for Hazrat Ali's birthday. In other states, banks will be open as it is the first Saturday of the month. Generally, banks are open on the first, third, and fifth Saturdays, and closed on the second and fourth, with state-specific holidays also affecting closures. Customers are advised to check the RBI's state-wise holiday list for planning.