Do you ever find yourself rushing to the bank all during the wrong times when the banks are closed? Well, it disrupts all your plans for the entire day. Hence, this blog will help you keep a note of the bank holidays in Delhi so that you refrain from visiting the banks to save you some time! Delhi, being the national capital, has 90 bank holidays, including government holidays. Second and Fourth Saturdays are the usual bank holidays in Delhi. As financial activities play a major role in the country and the city, keeping oneself informed can help! Hence, read the blog further for some tips for staying informed about any additional bank closures and alternative options for managing your finances during such times.
Delhi, being the capital city, few nationalised holidays covering city’s prominent public area for parades and roadshows or blocking the ways for PM’s convoy. There, is the major national holiday that is celebrated very much in the city along with the entire country.
National Bank Holidays In Delhi
National Holiday
Date
Independence Day
15 August
Republic Day
26 January
Mahatma Gandhi Jayanthi
02 October
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List of Upcoming Bank Holidays in Delhi 2024
Save your time and energy by not visiting the banks during these days. The table below provides the major upcoming bank holidays in Delhi in 2024.
Occasion
Month
Date
New Year’s Day
January
1 January 2024
Republic Day
January
26 January 2024
Holi
March
25 March 2024
Good Friday
March
29 March 2024
Idul Fitr
April
10 April 2024
Ram Navami
April
17 April 2024
Mahavir Jayanti
April
21 April 2024
Buddha Purnima
May
23 May 2024
Bakrid / Eid al Adha
June
17 June 2024
Muharram
July
17 July 2024
Independence Day
August
15 August 2024
Janmashtami
August
26 August 2024
Eid-e-Milad
September
16 September 2024
Gandhi Jayanti
October
2 October 2024
Vijaya Dashami
October
13 October 2024
Diwali
November
1 November 2024
Guru Nanak Jayanti
November
15 November 2024
Christmas Day
December
25 December 2024
Also Read: Guide to Saturday Bank Holidays!
Major Bank Holidays in Delhi
Banks have holidays every 2nd and 4th Saturday of the month. Apart from that, they also have holidays on public holidays that are listed above.
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Manage Bank Payments During Bank Holidays In Delhi
During bank holidays in Delhi, managing payments can be a bit challenging, since banks are closed and traditional banking services are unavailable. However, there are several ways to ensure your payments are handled smoothly. Here are some key methods and tips to manage payments during bank holidays:
1. Online Banking and Mobile Banking
Online banking and mobile banking apps provide a convenient way to manage your payments, with no need to visit a bank branch. Through these platforms, you can transfer funds between accounts, pay utility and other expenses, or check your account balances.
2. Automated Teller Machines (ATMs)
ATMs remain operational during bank holidays. You can withdraw cash or even deposit money (in some ATMs)
3. Electronic Fund Transfer (EFT) Services
Several electronic fund transfer services operate even on bank holidays, including:
NEFT (National Electronic Funds Transfer): While NEFT transactions were traditionally not available on bank holidays, the RBI has made NEFT operational 24×7, including holidays.
RTGS (Real-Time Gross Settlement): RTGS is also available 24×7, enabling high-value transactions at any time.
IMPS (Immediate Payment Service): IMPS is available round the clock and quickly transfers funds instantly.
4. UPI:
Unified Payments Interface is a real-time payment system that allows you to transfer money between bank accounts using a mobile device. UPI transactions are available 24×7, including holidays. You can use various UPI apps like Google Pay, PhonePe, Paytm, and BHIM.
5. Debit and Credit Cards
You can use your debit and credit cards for transactions at point-of-sale (POS) terminals and online.
6. Recurring Payments:
For regular payments like utility bills, loan EMIs, and insurance premiums, you can set up recurring payments through your bank. This ensures payments are automatically deducted from your account on the due date, regardless of bank holidays.
7. Cheque Payments:
If you need to issue a cheque, remember that it will not be processed on a bank holiday. Plan and deposit or issue cheques in advance to ensure timely clearance.
Also Read: Making the Best of Long Weekends in 2024
Conclusion
Managing payments during bank holidays in Delhi is manageable with the help of digital banking solutions and pre-planning. With the help of online banking, mobile apps, UPI, and other electronic fund transfer services, you can ensure your financial transactions are not disrupted by bank holidays. Planning and being aware of the tools at your disposal will help you navigate bank holidays smoothly, ensuring your payments are processed on time.
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Frequently Asked Questions
Q. How many bank holidays are ghazetted for Delhi this year?A. There are typically around 15-20 bank holidays in Delhi each year.
Q. Do government offices remain closed on bank holidays in Delhi?A. Yes, government offices remain closed on bank holidays in Delhi.
Q. What should I do if I have urgent banking needs on a bank holiday in Delhi?A. Use online banking, ATMs, or mobile banking apps for urgent banking needs on a bank holiday.
Q. When are the national holidays observed by banks in Delhi?A. Banks in Delhi observe national holidays on Republic Day (January 26), Independence Day (August 15), and Gandhi Jayanti (October 2).
Q. What are state-specific festivals in Delhi that banks observe as holidays?A. State-specific holidays in Delhi include Holi, Diwali, and Eid.
Q. What should I do if I need banking services on a holiday in Delhi?A. Plan and utilize digital banking services like online banking, mobile banking apps, and ATMs.
Q. Are second and fourth Saturdays considered bank holidays in Delhi?A. Yes, banks in Delhi are closed on the second and fourth Saturdays of each month.
Q. What if my credit card due date falls on a bank holiday in Delhi?A. If your credit card due date falls on a bank holiday, you should make the payment on the preceding business day or use online payment options.