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Bank Timings 2026: Opening Time, Lunch Time, Closing Time & Saturday Timings

Summary:


Most Indian banks have an operational window of 9:30 AM-4 PM, including staggered lunch hours, Monday through Friday and on the 1st, 3rd, and 5th Saturdays of the month. Digital banking services such as NEFT, RTGS, IMPS and UPI provide consumers with 24/7 access to banking transactions, even when branches are temporarily closed.


In 2026, bank timings will generally follow standard operational hours. Many public and private banks in India open between 9:30 AM and 10:00 AM and close around 3:30 PM to 4:30 PM, depending on internal bank policies. Services like account queries, cheque clearances, deposits, and withdrawals are available during these hours.

Many Indian banks remain open from Monday to Friday, and on the 1st, 3rd, and 5th Saturdays of the month. On 2nd and 4th Saturdays and all Sundays, banks remain closed. Lunch breaks generally occur between 1:00 PM and 2:30 PM, but services remain uninterrupted as employees take staggered breaks.

Bank branch timings and service cut-off hours may vary based on the bank, branch location, and type of transaction. Customers are advised to confirm timings with their local branch.

Bank Opening Time 

Many Indian banks begin their daily operations between 9:30 AM and 10:00 AM on working weekdays and permitted Saturdays. While private sector banks may open at 9:30 AM, public sector banks often start closer to 10:00 AM. These timings may slightly vary by location and bank type.

Bank Closing Time 

Bank closing hours usually fall between 3:30 PM and 4:30 PM. While public banks close early, private banks may remain open till 4:30 PM. Many banks stop accepting certain transactions, such as cheque deposits, before the official branch closing time. The cut-off varies by bank and branch.

Major Banks of India Working Hours 

Bank working hours differ slightly across institutions, but the general patterns are listed below:

Bank

Opening Time

Closing Time

State Bank of India

10:00 AM

4:00 PM

Punjab National Bank

10:00 AM

4:00 PM

ICICI Bank

9:30 AM

4:30 PM

HDFC Bank

9:30 AM

3:30 PM

Axis Bank

9:30 AM

4:00 PM

Bank of Baroda

10:00 AM

4:00 PM

Canara Bank

10:00 AM

4:00 PM

Indian Bank

10:00 AM

4:00 PM

Note: Timings can slightly vary based on the city, zone, or bank branch type (urban, semi-urban, rural). These bank timings are applicable on weekdays and on 1st, 3rd, and 5th Saturdays.

Bank Working Days 

Banks across India are open from Monday to Friday and on the 1st, 3rd, and 5th Saturdays of each month. The 2nd and 4th Saturdays are considered official bank holidays, along with Sundays. This uniform policy applies to both public and private sector banks.

Bank Lunch Time 

Bank lunch timings usually fall between 1:00 PM and 2:30 PM. However, services are not halted during this period, as bank staff take lunch breaks in a phased manner. Customers can avail themselves of all services during this time without disruption.

Bank Timings on Saturday

On 1st, 3rd, and 5th Saturdays, the Indian banks operate with weekday timings. On the 2nd and 4th Saturdays of each month, banks remain closed nationwide. Customers are advised to confirm with their branch if planning to visit on a Saturday.

Bank Working Hours for Customer Support 

Customer support through in-branch banking is available during standard operating hours. Additionally, banks offer multiple service channels:

  • Phone banking: 9:00 AM to 6:00 PM

  • Email support: Round-the-clock service

  • Net & mobile banking: 24x7 availability

  • ATM services: Available 24/7

Support for cheque status, transaction queries, and service requests is restricted to working hours. Outside these hours, customers can rely on digital tools or automated IVR helplines.

IMPS Timings of Indian Bank 

IMPS (Immediate Payment Service) is accessible 24/7, including weekends and holidays. Customers can transfer money instantly through mobile apps, internet banking, and ATMs using IMPS. There is no cut-off time, making it ideal for emergency fund transfers.

What are the Timings of NEFT and RTGS? 

NEFT (National Electronic Funds Transfer) operates 24/7 for online transactions. For offline NEFT transactions at bank branches, timings depend on the bank and branch.

In-branch RTGS request timings also vary by bank and location.

Mode

Branch Timings

Online Availability

NEFT

Bank-specific branch timings

24x7

RTGS

Bank-specific branch timings

24x7

Indian Banks During Holidays 

Banks remain closed on all Sundays, 2nd and 4th Saturdays, and public holidays declared by the central or respective state governments. However, digital banking services like NEFT, RTGS, IMPS, and UPI continue to be available even on holidays.

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Published Date : 13 Jan 2026

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