In 2025, bank timings will mainly 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 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 non-cash transactions like cheque deposits about 30 minutes before official closing.
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
|
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, working hours are usually 8:00 AM to 6:00 PM.
RTGS (Real-Time Gross Settlement) is available online 24/7 as well. For in-branch RTGS requests, the service typically runs between 7:00 AM and 5:30 PM.
Mode
| Branch Timings
| Online Availability
|
NEFT
| 8:00 AM – 6:00 PM
| 24x7
|
RTGS
| 7:00 AM – 5:30 PM
| 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.
Conclusion
In 2025, bank timings remain consistent across institutions, with minor deviations by location or institution type. The banks open by 10:00 AM and shut around 4:00 PM. Services remain accessible even during lunch breaks due to staggered shifts.
Customers can complete transactions during all working days, including 1st, 3rd, and 5th Saturdays. For urgent payments, online services like IMPS and UPI offer 24/7 accessibility. Knowing official bank timings 2025 helps avoid delays in fund transfers, cheque processing, and other banking needs.