Bank Timings in India : Working Hours Saturday Schedule Bank Holidays & Branch Timings
Before heading to your bank it is worth knowing whether it will actually be open when you get there. Bank timings in India follow a fairly consistent pattern across most institutions but Saturday schedules regional holidays and cash counter hours can catch people off guard.
This guide covers working hours which Saturdays banks are open and closed lunch arrangements the RBI holiday calendar and the timings of major public and private sector banks.
Table of Content
General Bank Working Hours
Most scheduled commercial banks follow similar business hours though individual branches may vary slightly by city or location.
| Service | Typical Timing |
| Branch Opening Time | 9:30 AM to 10:00 AM |
| Customer Service Starts | 10:00 AM |
| Cash Deposit and Withdrawal | 10:00 AM to 3:30 PM or 4:00 PM |
| General Banking Services | 10:00 AM to 4:00 PM |
| Branch Closing Time | 4:00 PM to 5:00 PM |
General banking services include account opening passbook updates demand draft issuance cheque deposits loan enquiries fixed deposit services KYC updates and locker-related services.
All-Bank Timings: Weekday and Saturday
| Bank | Monday to Friday | 1st 3rd and 5th Saturday | 2nd and 4th Saturday |
| State Bank of India | 10:00 AM to 4:00 PM | 10:00 AM to 4:00 PM | Closed |
| HDFC Bank | 9:30 AM to 4:00 PM | 9:30 AM to 4:00 PM | Closed |
| ICICI Bank | 9:30 AM to 4:00 PM | 9:30 AM to 4:00 PM | Closed |
| Axis Bank | 9:30 AM to 4:00 PM | 9:30 AM to 4:00 PM | Closed |
| Punjab National Bank | 10:00 AM to 4:00 PM | 10:00 AM to 4:00 PM | Closed |
| Canara Bank | 10:00 AM to 4:00 PM | 10:00 AM to 4:00 PM | Closed |
| Bank of Baroda | 10:00 AM to 4:00 PM | 10:00 AM to 4:00 PM | Closed |
| Union Bank of India | 10:00 AM to 4:00 PM | 10:00 AM to 4:00 PM | Closed |
| Indian Bank | 10:00 AM to 4:00 PM | 10:00 AM to 4:00 PM | Closed |
| Bank of India | 10:00 AM to 4:00 PM | 10:00 AM to 4:00 PM | Closed |
Verify branch-specific timings before visiting especially during regional holidays or special banking events.
Bank Working Days: Which Saturdays Are Open
Banks are open on:
- Monday through Friday
- First Saturday
- Third Saturday
- Fifth Saturday where applicable
Banks are closed on:
- Second Saturday
- Fourth Saturday
- Every Sunday
- National holidays
- State-specific holidays under the RBI holiday calendar
If a month has five Saturdays the fifth is generally a working day.
Bank Lunch Timings and Cash Counter Hours
Unlike many government offices most bank branches do not close for lunch. Staff take staggered breaks so customer-facing services continue throughout the day.
Typical cash counter timings:
| Service | Timing |
| Cash Deposit | 10:00 AM to 3:30 PM |
| Cash Withdrawal | 10:00 AM to 3:30 PM |
| Cheque Deposit | Till branch closing may vary |
| Demand Draft Services | During business hours |
Some branches may stop accepting large cash transactions shortly before closing to allow time for end-of-day processing.
Bank Holidays (RBI Calendar)
Banks observe holidays declared under the RBI’s Negotiable Instruments Act along with state-specific regional holidays.
Common nationwide bank holidays include:
- Republic Day
- Holi in applicable states
- Good Friday
- B. R. Ambedkar Jayanti
- Mahavir Jayanti
- Independence Day
- Gandhi Jayanti
- Diwali which varies by state
- Christmas Day
Each state also observes its own regional holidays covering local festivals and state foundation days. A branch may be open in one state and closed in another on the same date. Check your bank’s holiday list or the RBI holiday calendar for your state before planning a visit.
Bank-Wise Working Hours
State Bank of India: 10:00 AM to 4:00 PM. Open on 1st 3rd and 5th Saturdays. Closed on Sundays and 2nd and 4th Saturdays.
HDFC Bank: 9:30 AM to 4:00 PM. Saturday schedule follows RBI guidelines.
ICICI Bank: 9:30 AM to 4:00 PM. Most branches follow standard banking hours.
Axis Bank: 9:30 AM to 4:00 PM. Cash services available during business hours.
Punjab National Bank: 10:00 AM to 4:00 PM. Saturday operations as per RBI schedule.
Canara Bank: 10:00 AM to 4:00 PM. Cash counter timings may vary slightly by branch.
Bank of Baroda: 10:00 AM to 4:00 PM. Standard RBI holiday schedule applies.
Union Bank of India: 10:00 AM to 4:00 PM. Open on working Saturdays only.
Some metro branches digital banking outlets and specialized branches may operate extended hours.
Public Sector vs Private Bank Timings
| Feature | Public Sector Banks | Private Sector Banks |
| Opening Time | Usually 10:00 AM | Usually 9:30 AM |
| Closing Time | Around 4:00 PM | Around 4:00 PM |
| Saturday Working | RBI schedule | RBI schedule |
| Holiday Rules | RBI guidelines | RBI guidelines |
| Digital Banking | Available | Available |
| Extended Branch Hours | Limited | Available at select branches |
Private banks may offer extended customer support or digital relationship managers at select locations while public sector banks generally follow uniform branch timings across their network.
Are Banks Open on Sundays and 2nd and 4th Saturdays?
No. Most bank branches remain closed on every Sunday the second Saturday and the fourth Saturday of every month. Digital banking services remain fully operational on these days.
24×7 Services Available When Branches Are Closed
When the branch is shut most banking needs can still be met through digital channels:
- Internet banking
- Mobile banking
- UPI payments
- IMPS transfers
- ATM cash withdrawal
- Cash deposit machines at select locations
- Cheque deposit kiosks at select branches
- Debit card management
- Credit card payments
- Balance enquiry and mini statement
- Fixed deposit opening through many banking apps
- Bill payments and recharge services
Written By
Reviewed ByLast Updated: 7th July 2026
Frequently Asked Questions (FAQs)
What are bank timings in India ?
Most branches operate between 9:30 AM or 10:00 AM and 4:00 PM on working days. Exact timings vary by bank and branch.
Are banks open on the 2nd and 4th Saturday?
No. All scheduled banks remain closed on the second and fourth Saturdays of every month as per RBI guidelines.
Is there a lunch break at banks?
Banks do not close for lunch. Employees take staggered breaks so customer services continue throughout business hours.
Are banks open on Sundays?
No. Branches are closed every Sunday. ATMs internet banking mobile banking and UPI remain available around the clock.
What are SBI HDFC and ICICI bank timings?
SBI: Usually 10:00 AM to 4:00 PM. HDFC Bank and ICICI Bank: Usually 9:30 AM to 4:00 PM. Timings may vary slightly by branch.
Which Saturdays are banks closed?
The second and fourth Saturdays of every month. Banks are open on the first third and fifth Saturdays where applicable.
Until what time can I deposit a cheque?
Most branches accept cheque deposits until closing time through the teller counter. Cheque drop boxes and self-service kiosks may be available beyond counter hours subject to the bank’s collection schedule.
