Banks have a very crucial role to play in the day-to-day payment activities. Still, an unexpected holiday can leave both personal and business operations in a lurch. The Indian government has announced a bank holiday on February 12, 2025, in certain states, which has given rise to the query as to why banks will be closed on this date. Here is the detailed article on Bank Holiday on Feb 12 Reason and affected states.
Why Is February 12 A Bank Holiday In India?
The Reserve Bank of India (RBI) publishes its annual bank holiday schedule of release of under the Negotiable Instruments Act, 1881. The holiday on 12th February 2025 is on this list of some states because of the following reasons:
✅ Saraswati Puja / Basant Panchami – The most revered Hindu festival is celebrated in West Bengal, Assam, Bihar, and Odisha.
✅ State-Governed Holidays – Several state governments also announce public holidays in eminent places.
✅ RBI’s Official Holiday List – The Reserve Bank of India follows the holiday calendar of RBI for closing its operations.
It’s of utmost importance to find out if this holiday will be effective in your state or city.
Which States Will Observe A Bank Holiday On February 12?
In some areas, the bank holiday will be specific to the state, and thus, the banks will be closed in some while the others will be functioning as usual. The states which are expected to trust the tell the citiy on the bank holiday are as follows:
📌 West Bengal – Saraswati Puja is a crucial religious festival.
📌 Assam – Basant Panchami is celebrated at that time.
📌 Odisha & Bihar – The region is home to local religious fiestas.
Customers in the other states have to contact their bank branches for Operational status.
Will Online Banking Be Available?
The digital branches of banks will remain closed in a number of states while the online banking service centers go on business as usual.
✔ Net Banking & Mobile Banking – Fund transfers, balance checks, and bill payments will be available.
✔ UPI & Digital Wallets – The users will still have access to the services of Google Pay, PhonePe, and Paytm, among others.
✔ ATMs – The clients are able to retrieve cash at will; however, the demand for facilities can be higher than usual.
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How to Prepare for the February 12 Bank Holiday?
To preclude banking last-minute plant, one should trail a progression from pace to pace like this one:
1️⃣ Check If Your Bank Branch Will Be Closed
Through visiting their www just for some information or by using the toll-free or helpline number for help.
Usually, the RBI also gives the official holiday list which you should refer to in order to make sure you will not look for the button “atm near me close to me” and be in the situation of “no results atm near me” no matter how long you press it.
2️⃣ Complete Urgent Transactions in Advance
Make sure everything is already in the bank, the bills are paid, and the salary is credited.
Save yourself from the last-minute problem, particularly for the payment of loans or going in and out of business.
3️⃣ Withdraw Cash Beforehand
We have a fully functional ATM machine, which operates flawlessly, but there might not be enough cash at the machines by the end of the day, as there will be a high demand.
Take out bills for must expenses in cash.
4️⃣ Use Digital Payment Methods
Use UPI, credit and debit cards, and mobile wallet platforms to ensure smooth money transactions.
Therefore, before you start a transaction at an ATM, check whether your app is working properly, and make sure your phone is fully charged.
5️⃣ Business Owners Should Plan Ahead
Neither vendors nor businesses can afford to waste time, so they need to take care of the transactions before the break to prevent any holdups.
Give either the customers or the clients a heads-up on potential interruptions.
FAQs About the February 12 Bank Holiday
1. Is February 12 a nationwide bank holiday?
No, the state governments declare the holiday, and the areas that mainly have the celebrations of Saraswati Puja or Basant Panchami are addressed.
2. Will online banking and UPI services work on February 12?
Hello!!!1Online banking, UPI services, and mobile wallets will work regularly; physical branches in only specific states will be shut down.
3. Can I withdraw money from an ATM during the bank holiday?
Yes, you can use ATMs to withdraw money, but don’t be surprised if some of them don’t have enough cash because of huge numbers of withdrawing people
4. Where can I check the official RBI holiday list?
You can either go to the official website of the Reserve Bank of India or your bank branch has to be able to tell you.
