November 2026 Business Calendar for India: Holidays and Due Dates
November 2026 bank holidays by state, the compliance dates that sit next to them, and a simple plan to keep salaries, cheques and tax payments on time.
Banks in India close on up to nine weekday dates in November 2026 depending on your state, plus every Sunday and the second and fourth Saturdays (14 and 28 November). For a business, the trouble spots are Diwali week (9 to 11 November), Chhath in Bihar and Jharkhand (16 November) and Guru Nanak Jayanti (24 November), which falls close to GST and payroll deadlines. This planner gives you the state-wise list, the November compliance dates that sit next to those holidays, and a week-by-week plan for cash, cheques, salaries and vendor payments.
Key Takeaways
- RBI’s November 2026 list has state-specific bank holidays on 9, 10, 11, 13, 16, 20, 23, 24 and 27 November; no single weekday is a nationwide closure.
- Weekend closures: Sundays 1, 8, 15, 22 and 29 November, plus second and fourth Saturdays on 14 and 28 November. Saturday 7 and 21 November are working days.
- Guru Nanak Jayanti on Tuesday, 24 November is the widest closure, covering 21 RBI centres including Delhi, Mumbai, Kolkata and Hyderabad.
- Online channels (UPI, NEFT, RTGS, IMPS, NACH) run on holidays, but cheque clearing and branch work do not, so move cheque-based payments forward.
- PF and ESI for October are due on 15 November, which is a Sunday this year: pay by Friday, 13 November.
Updated October 2026. Holiday data is from the Reserve Bank of India’s holiday matrix (select November 2026), checked in October 2026. State governments can add holidays at short notice, for example for local elections, so confirm with your branch before a critical deadline.
November 2026 Bank Holidays: Quick Answer
| Date | Day | Occasion | Banks closed in (RBI centres) |
|---|---|---|---|
| 9 November | Monday | Diwali / Laxmi Puja / Govardhan Puja / Vishwakarma Day | Agartala, Bhopal, Chandigarh, Gangtok, Imphal, Jaipur, Kanpur, Lucknow |
| 10 November | Tuesday | Bali Pratipada / Vikram Samvat New Year / Govardhan Puja | Ahmedabad, Belapur, Bengaluru, Dehradun, Gangtok, Mumbai, Nagpur |
| 11 November | Wednesday | Bhai Dooj / Bhratridwitiya / Chitragupt Jayanti / Ningol Chakkouba | Gangtok, Imphal, Kanpur, Kolkata, Lucknow, Shimla |
| 13 November | Friday | Wangala Festival | Shillong |
| 16 November | Monday | Chhath Puja | Patna, Ranchi |
| 20 November | Friday | Igas-Bagwal | Dehradun |
| 23 November | Monday | Seng Kut Snem | Shillong |
| 24 November | Tuesday | Guru Nanak Jayanti / Kartika Purnima | Aizawl, Belapur, Bhopal, Bhubaneswar, Chandigarh, Dehradun, Hyderabad, Itanagar, Jaipur, Jammu, Kanpur, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Raipur, Ranchi, Shimla, Srinagar |
| 27 November | Friday | Kanakadasa Jayanthi | Bengaluru |
Diwali itself (Lakshmi Puja) is on Sunday, 8 November, which is already a closed day. That is why the festival’s weekday closures shift to 9, 10 and 11 November, depending on the state. For the full festival-week breakdown by city, see our Diwali week bank holiday list.
State-Wise Weekday Closures at a Glance
This table groups states by how many weekday bank holidays they have in November 2026. Add Sundays and 14 and 28 November on top.
| State or UT (RBI centre) | Weekday holidays | Count |
|---|---|---|
| Uttar Pradesh (Lucknow, Kanpur) | 9, 11, 24 | 3 |
| Uttarakhand (Dehradun) | 10, 20, 24 | 3 |
| Sikkim (Gangtok) | 9, 10, 11 | 3 |
| Maharashtra (Mumbai, Nagpur, Belapur) | 10, 24 | 2 |
| Karnataka (Bengaluru) | 10, 27 | 2 |
| Rajasthan (Jaipur) | 9, 24 | 2 |
| Madhya Pradesh (Bhopal) | 9, 24 | 2 |
| Punjab, Haryana, Chandigarh | 9, 24 | 2 |
| West Bengal (Kolkata) | 11, 24 | 2 |
| Himachal Pradesh (Shimla) | 11, 24 | 2 |
| Jharkhand (Ranchi) | 16, 24 | 2 |
| Manipur (Imphal) | 9, 11 | 2 |
| Meghalaya (Shillong) | 13, 23 | 2 |
| Gujarat (Ahmedabad) | 10 | 1 |
| Delhi (New Delhi) | 24 | 1 |
| Telangana (Hyderabad) | 24 | 1 |
| Bihar (Patna) | 16 | 1 |
| Odisha, Chhattisgarh, J&K, Mizoram, Nagaland, Arunachal | 24 | 1 |
| Tripura (Agartala) | 9 | 1 |
| Tamil Nadu, Kerala, Andhra Pradesh, Goa, Assam | None | 0 |
RBI lists holidays by its regional office cities. Holidays usually apply to branches across that state, but some are district-specific. If you bank in a smaller town, ask your branch.
Why the list differs from state to state
Bank holidays in India are declared under the Negotiable Instruments Act, 1881. The RBI publishes a consolidated calendar for its regional office centres, but the dates are largely based on holidays each state government notifies. That is why Bhai Dooj closes branches in Kolkata and Lucknow but not in Mumbai, and why Gujarat closes for the New Year (Bestu Varas) on 10 November while Delhi does not close at all during Diwali week this year. It also explains why the list can change mid-month: a state can declare an extra holiday at short notice, for example for a by-election or a local event, and banks in that state follow it.
If your business operates in more than one state, do not assume your head office calendar applies everywhere. A distributor in Patna and a supplier in Bengaluru may have different closed days in the same week. Share a simple state-wise list with your accounts team and branch managers at the start of the month.
Weekend Closures in November 2026
| Type | Dates |
|---|---|
| Sundays | 1, 8, 15, 22, 29 November |
| Second Saturday | 14 November |
| Fourth Saturday | 28 November |
| Working Saturdays | 7 and 21 November |
Watch out for long runs. In Patna and Ranchi, branches are shut on 14, 15 and 16 November. In Lucknow and Kanpur, the Diwali stretch has closures on 8, 9 and 11 November with only 10 November open in between. In Gangtok, branches are closed from 8 to 11 November.
November Compliance Dates Next to Bank Holidays
Most tax and payroll payments are now made online, so a bank holiday does not stop you paying. The risk is that you plan to pay through a branch, by cheque, or on the last day, and then hit a holiday or a weekend. These are the regular monthly due dates that fall in November 2026. Always confirm on the official portal, since due dates are sometimes extended.
| Due date | Day | What is due | Bank holiday risk |
|---|---|---|---|
| 7 November | Saturday | TDS/TCS deducted in October, deposit with the government | First Saturday, branches open; pay online by Friday to be safe |
| 10 November | Tuesday | GSTR-7 (TDS under GST) and GSTR-8 (TCS by e-commerce operators) for October | Bank holiday in Gujarat, Maharashtra, Karnataka and more; file online |
| 11 November | Wednesday | GSTR-1 for October (monthly filers) | Bhai Dooj holiday in UP, West Bengal, Himachal; portal works, CA offices may be closed |
| 13 November | Friday | IFF (optional invoice upload) for QRMP taxpayers | Wangala holiday in Shillong only |
| 15 November | Sunday | PF (EPF) and ESI contributions for October wages | Falls on a Sunday after a second Saturday; pay by Friday, 13 November |
| 20 November | Friday | GSTR-3B for October (monthly filers) and tax payment | Igas-Bagwal holiday in Uttarakhand; pay online |
| 25 November | Wednesday | PMT-06 monthly tax payment by QRMP taxpayers | Day after Guru Nanak Jayanti; avoid branch-based challans |
Use our GST calculator to check tax amounts on invoices before you file. Rules and due dates change, so treat this table as a planning aid and confirm with your chartered accountant or on the GST portal and the income tax e-filing portal.
What Works When Banks Are Closed
| Service | On a bank holiday | What to plan for |
|---|---|---|
| UPI | Works 24×7 | Per-transaction and daily limits still apply |
| IMPS | Works 24×7 | Good for urgent vendor payments within limits |
| NEFT | Works 24×7 (since December 2019) | Settles in half-hourly batches, including holidays |
| RTGS | Works 24×7 (since December 2020) | For large transfers; check your bank’s net banking limit |
| NACH (salary, EMI, SIP) | Runs on all days (since August 2021) | Make sure the debit account is funded the day before |
| Cheque clearing | Paused | Cheques deposited on a holiday clear on the next working day |
| Branch services | Closed | Demand drafts, bank guarantees, locker access, KYC, loan papers |
| Cash at ATMs and CDMs | Available, may run low | Withdraw festival cash and bonus cash early |
A Week-by-Week Banking Plan for Businesses
Week 1 (2 to 7 November): Clear the decks before Diwali
- Deposit all cheques by Thursday, 5 November so they clear before the holiday cluster.
- Pay Diwali bonuses and October salaries if not already done; if you pay bonus in cash, withdraw it by Friday, 6 November.
- Deposit TDS for October by 7 November.
- Request any demand drafts or bank guarantees needed for tenders closing in mid-November.
Week 2 (9 to 13 November): Diwali week
- Expect at least one closed weekday in most northern and western states.
- File GSTR-1 for October online; do not wait for your accountant to return after Bhai Dooj.
- Pay PF and ESI by Friday, 13 November because 14 and 15 November are closed days.
Week 3 (16 to 21 November)
- Bihar and Jharkhand: Chhath on Monday, 16 November means three closed days in a row. Pay suppliers in those states by 13 November.
- File GSTR-3B and pay tax by Friday, 20 November.
- Saturday, 21 November is a working day; use it for branch tasks.
Week 4 and 5 (23 to 30 November)
- Guru Nanak Jayanti on Tuesday, 24 November closes branches in most big cities. Present cheques on 23 November or after 25 November.
- QRMP taxpayers pay through PMT-06 by 25 November.
- Saturday, 28 November is the fourth Saturday. Month-end payments are best finished by Friday, 27 November (except in Bengaluru, which has Kanakadasa Jayanthi that day).
Payroll and vendor payments: a worked example
Take an illustrative example: a 40-person garment unit in Ludhiana pays wages on the 7th of each month and pays its yarn supplier in Ahmedabad by cheque on the 10th. In November 2026, the 7th is a working Saturday, so wages by NEFT go through as normal. But 10 November is a bank holiday in Ahmedabad, and the supplier’s bank will not present the cheque until 11 November. If the unit’s account is short on the 11th, the cheque bounces. The simple fix is to pay the supplier by NEFT or RTGS on Friday, 6 November, and keep a buffer in the account through the holiday week. Small changes like this avoid bounced cheques, late fees and strained supplier relationships during the busiest month of the year.
Tips for Shops and Small Traders
- Keep a UPI QR at every counter during Diwali week; customers will expect it when ATMs run dry. Our free QR code generator is handy for printing a backup code for your website or catalogue, but use your bank’s official UPI QR for payments.
- Check your current account limits on RTGS and NEFT before the festival week, especially if you pay wholesalers in bulk.
- Do not post-date cheques to 9, 10, 11, 16 or 24 November in states where those are holidays; the cheque will not be presented until the next working day.
- Tell customers your own closing days on WhatsApp and Google Business Profile so they do not turn up to a closed shop.
Frequently Asked Questions
How many bank holidays are there in November 2026?
It depends on the state. RBI’s list has holidays on nine dates (9, 10, 11, 13, 16, 20, 23, 24 and 27 November), but each applies only in some states. Uttar Pradesh, Uttarakhand and Sikkim have three weekday holidays; Tamil Nadu, Kerala, Andhra Pradesh, Goa and Assam have none.
Are banks closed on Diwali 2026?
Diwali’s Lakshmi Puja is on Sunday, 8 November, so banks are closed anyway. Weekday closures for Diwali, Govardhan Puja and Bhai Dooj fall on 9, 10 or 11 November depending on the state.
Is 24 November 2026 a bank holiday?
Yes, in 21 RBI centres for Guru Nanak Jayanti, including New Delhi, Mumbai, Kolkata, Hyderabad, Jaipur, Lucknow and Chandigarh. Banks in Chennai, Bengaluru, Ahmedabad and Kochi stay open that day.
Are banks open on Saturday, 7 November 2026?
Yes. It is the first Saturday of the month, a working day for banks. Banks close on the second and fourth Saturdays, which are 14 and 28 November.
Will my salary or EMI be delayed by a bank holiday?
Usually not. NACH, NEFT and RTGS run on all days, so salary credits and EMI debits go through. Cheque-based payments are the ones that wait for the next working day.
What if a GST or PF due date falls on a holiday?
Do not assume an automatic extension. Pay online before the due date, ideally on the last working day before it, and check the official portal for any extension notice.
Put the Dates in Your Calendar Today
Take five minutes to mark your state’s closures, the 13 November PF and ESI payment, and the 20 November GSTR-3B date in your team calendar. Move every cheque and branch task to a clear working day, keep online banking limits ready, and the busiest month of the festive season will not cost you a late fee.
