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Investment Simplified > Banking > Bank Timings in India 2023 – Saturday and Lunch Timings
Banking

Bank Timings in India 2023 – Saturday and Lunch Timings

Monika Mohan
Last updated: 2023/08/29 at 4:40 PM
Monika Mohan Published September 20, 2023 7 Min Read
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Bank Timings in IndiaCommercial Bank Timings in IndiaSmall Finance Bank Timings in IndiaBank Timings on SaturdayBank Lunch TimingsBank Timings Post COVID-19 LockdownRBI Bank TimingsBank Transfer TimingsBank Timings : FAQs

It is always a good idea to know the bank timings of one’s specific branch before visiting. Usually the bank timings in India range from 9:00 AM to 4:00 PM (business hours for customers).

In this article, we talk about the bank timings for the major banks in India, along with the banking RTGS and NEFT timings.

Bank Timings in India

Banks in India, including commercial and small finance banks, start working around 9-9:30 AM and operate till 3:30-4:00PM from Monday to Saturday. All the banks remain closed on every 2nd and 4th Saturday, including all Sundays.

Bank timings for the major commercial banks and small finance banks are listed in the following section. Please refer these for specific bank timings.

Commercial Bank Timings in India

List of the major commercial banks (public sector and private sector banks) in India with their business hours is given below:

Bank NameBank Timings: Monday to Saturday (AM to PM)
State Bank of India Timings (SBI)09:00 – 3:30
PNB Bank Timings10:00 – 4:00
Bank of Baroda Timings10:00 – 4:00
HDFC Bank Timings09:30 – 3:30
ICICI Bank Timings09:30 – 3:00
Axis Bank Timings09:30 – 3:30
Kotak Mahindra Bank Timings09:30 – 4:30
IndusInd Bank Timings09:30 – 5:00
Yes Bank Timings09:30 – 4:30
Union Bank of India Timings10:00 – 4:00
Bank of India Timings10:00 – 4:00
Bank of Maharashtra Timings10:00 – 5:00 
IDBI Bank Timings10:00 – 4:00
Central Bank of India Timings10:00 – 4:00
Andhra Bank Timings10:00 – 4:00
Federal Bank Timings10:00 – 3:30
Karnataka Bank Timings10:00 – 4:00
*Except 2nd and 4th Saturday, every month; Some branches may have different timings.

Small Finance Bank Timings in India

Bank NameBank Timings: Mon. to Sat.* (AM to PM)
AU Small Finance Bank9:30 AM to 6:00 PM
Fincare Small Finance Bank10:00 AM to 5:00 PM
Utkarsh Small Finance Bank9:30 AM to 3:30 PM
Jana Small Finance Bank10:00 AM to 4:00 PM
Suryodaya Small Finance Bank9:30 AM to 5:30 PM
Ujjivan Small Finance Bank9:00 AM to 6:00 PM
ESAF Small Finance Bank9:00 AM to 5:30 PM
North East Small Finance Bank10:00 AM to 5:30 PM
*Except 2nd and 4th Saturday, every month; Some branches may have different business hours. Please contact the specific bank branch for business hours.

Bank Timings on Saturday

Every commercial bank in India, be it a private sector bank like HDFC Bank or a public sector bank like SBI, stays closed on every 2nd and 4th Saturday of every month. Effective from 1st September 2015, 2nd and 4th Saturdays were announced as public holidays throughout the country.

Bank Lunch Timings

Most of the banks in India do not close their windows for customer services during their business hours*. This is because most of the banks close customer services around 3:30 to 4:00 PM and thus do offer customer services in their business hours without interruption. Employees usually take lunch breaks in shifts which allows the staff to attend customers without breaks.

Business hours are different from working hours. While working hours indicate the time for which the bank stays open while the business hours point to the time for which customers can visit the bank for banking services.

Bank Timings Post COVID-19 Lockdown

Banks in India have now revised their bank timings post COVID-19 lockdown. Generally, all banks in India resume their operation from 9:30 AM to 4:00 PM. However, some of the bank’s actual timing may vary depending upon the location and region. You need to check the bank timing beforehand while you plan to visit the same. Also, now all banks have introduced mobile banking and internet banking services wherein customers can proceed with their banking activities from the comfort of their home.

RBI Bank Timings

CityMonday to FridaySaturday
New Delhi9:30 AM – 5:15 PM (Working Hours) 10:00 AM – 2:30 PM (banking Hours)Closed
Mumbai10:15 AM – 5:15 PM10:15 AM – 1:45 PM
Chennai9:45 AM – 5:00 PM9:45 AM – 1:15 PM
Kolkata9:50 AM – 5:05 PM9:50 AM – 1:20 PM
Bangalore10:00 AM – 5:30 PM10:00 AM – 1:45 PM

Bank Transfer Timings

Below-mentioned are bank timings of different payment modes available in India:

Bank NEFT Timings

National Electronic Funds Transfer, or NEFT, is a centralized Pan-India payment system operated by the Reserve Bank of India. It is a bank-to-bank transfer mode which can be availed of 24×7 throughout the year, irrespective of bank holidays. Please note that NEFT transactions take approximately 1 hour to process, i.e., the amount is debited instantly but it takes time to be credited into the receiver’s account. This is because NEFT payments occur in batches of 15 minutes.

However, if you wish to do NEFT payment by visiting you bank, you need to check the bank timings of your specific branch. This means that NEFT branch payment can be done as per the business hours of the specific bank. However, it should be noted that not all branches participate in NEFT transactions offline.

List of bank-wise participating branches in NEFT
(Click on the bank name and an excel sheet will be downloaded in your device. In this sheet, IFSC (codes) are given. If your branch IFSC is there, that means NEFT can be done at the branch.)

Bank RTGS Timings

Real Time Gross Settlement, or the RTGS, is another mode of electronic payment that can be done online as well as offline (at the bank). For online transactions, RTGS timings do not have any specific limit, i.e. these payments can be done round the clock. Contrary to NEFT, RTGS is an instant payment system. Debit and credit happens immediately. The only difference is that RTGS payments require a minimum amount of Rs. 2 lakhs.

For RTGS branch transactions, check the bank timings of your bank.

Bank IMPS Timings

Immediate Payment System, or IMPS, is just like and RTGS payment system, except that it does not have any limit for the minimum amount. IMPS window is open 24×7.

This is an online transfer mode and thus, transfers in branches are not available.

Bank UPI Timings

Unified Payments Interface, or UPI, is an online payment mode. This service is available round the clock and provides instant transfers. That said, UPI is not available offline.

Just like IMPS, UPI is not available in bank branches. For UPI transfers, one only requires a UPI ID linked to their bank accounts.

Bank Timings : FAQs

1. What are the normal bank timings in India?

In India, most of the banks work from 9AM to 5PM. For bank timings of the major banks, please refer to this table .

2. What are the bank timings on Saturday?

As per RBI, banks work as per their usual bank timings on 1st, 3rd and 5th Saturdays. However, every 2nd and 4th Saturday, banks are closed.

3. What are the bank timings for NEFT?

NEFT window is open round the clock but transfers happen in batches of 15 minutes and take around 1 hour to complete.

4. What are the bank timings for RTGS? Can the RTGS payment be done in bank branches?

RTGS has a 24×7 window and transfer occur on real time, i.e., immediately. RTGS payments can be done using internet banking, mobile banking and at the respective bank branch.

5. What are the RBI bank timings?

RBI has a total of 32 regional offices and operate till 5:45PM from Monday to Friday. On the working Saturdays, the offices operate till 2:30PM. Timings may vary for some offices.

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By Monika Mohan
Monika Mohan is a writing enthusiast who has luckily turned her passion into profession. For the greens, she has an established foot in the personal finance sector and likes to put forth complex topics in an easy-to-understand manner, minus the jargons. Outside the penny lane, it’s all about poetry, mountains and single-malts.
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Indian Bank Mobile Banking

ICICI Mobile Banking

SBI Anywhere

Bank of Baroda Mobile Banking

PNB Mobile Banking

SBI Quick

Axis Bank Mobile Banking

IOB Mobile Banking

IPPB Mobile Banking

BOI Mobile Banking

Central Bank of India Mobile Banking

Bandhan Bank Mobile Banking

Indusind Mobile Banking

UCO Bank Mobile Banking

Union Bank Mobile Banking

Yes Bank Mobile Banking

Kotak Mahindra Mobile Banking

NEFT

NEFT vs RTGS

IMPS vs NEFT

IMPS vs NEFT vs RTGS

SBI NEFT

HDFC NEFT

Axis Bank NEFT

Canara Bank NEFT

ICICI NEFT

Indian Bank NEFT

Bank of Baroda NEFT

Union Bank NEFT

Bank of India NEFT

NEFT

IDBI NEFT

NEFT Charges

SBI NEFT Charges

NEFT Charges HDFC

NEFT Charges ICICI

Canara Bank NEFT Charges

BOB NEFT Charges

PNB NEFT Charges

Indian Bank NEFT Charges

Axis Bank NEFT Charges

NEFT Limit

HDFC NEFT Limit

SBI NEFT Limit

ICICI NEFT Limit

BOB NEFT Limit

NEFT Timings

SBI NEFT Timings

HDFC NEFT Timings

Axis Bank NEFT Timings

ICICI NEFT Timings

PNB NEFT Timings

Indian Bank NEFT Timings

NEFT Form

HDFC NEFT Form

LIC NEFT Form

SBI NEFT Form

Bank of Baroda NEFT Form

Axis Bank NEFT Form

Canara Bank NEFT Form

ICICI NEFT Form

PNB NEFT Form

IDBI NEFT Form

Union Bank NEFT Form

Indian Bank NEFT Form

IOB NEFT Form

Bank of Maharashtra NEFT Form

Central Bank of India NEFT Form

BOI Neft Form

Indusind Bank NEFT Form

Netbanking

HDFC Bank Net Banking

SBI Net Banking

ICICI Net Banking

Axis Bank Net Banking

Indian Bank Net Banking

IOB Net Banking

Canara Bank Net Banking

Kotak Net Banking

IDBI Bank Net Banking

BOB Net Banking

BOI Net Banking

Union Bank Net Banking

CBI Netbanking

Net Banking

Yes Bank Net Banking

Bandhan Bank Net Banking

Indusind Net Banking

IDFC Net Banking

CUB Netbanking

Federal Bank Net Banking

Uco Bank Net Banking

Citibank Netbanking

CSB Net Banking

Karnataka Bank Net Banking

Bank of Maharashtra Net Banking

South Indian Bank Net Banking

Allahabad Bank Net Banking

Karur Vysya Bank Net Banking

Netbanking PNB

DCB Netbanking

J&K Bank Netbanking

RBL Netbanking

Nainital Bank Net Banking

Dhanlaxmi Net Banking

Standard Chartered Netbanking

OBC Netbanking

Punjab and Sind Bank Netbanking

Passbook

Passbook

SBI Passbook

Canara Bank E Passbook

PNB Passbook

Axis Bank Passbook

HDFC Passbook

Union Bank Passbook

BOB Passbook

Indian Bank Passbook

ICICI Bank Passbook

Bank of India Passbook

Kotak Mahindra Bank Passbook

Central Bank of India Passbook

Federal Bank Passbook

Indusind Bank Passbook

IDBI Bank Passbook

RTGS

RTGS

RTGS Process

SBI RTGS Charges

HDFC RTGS Charges

PNB RTGS Charges

BOB RTGS Charges

ICICI Bank RTGS Charges

RTGS Limit

HDFC RTGS Limit

SBI RTGS Limit

RTGS Timings

SBI RTGS Timings

HDFC RTGS Timings

ICICI Bank RTGS Timings

RTGS Form

HDFC RTGS Form

SBI RTGS Form

Axis Bank RTGS Form

RTGS Form

Bank of Baroda RTGS Form

ICICI Bank RTGS Form

Canara Bank RTGS Form

Kotak RTGS Form

PNB RTGS Form

Bank of India RTGS Form

Indian Bank RTGS Form

IDBI RTGS Form

Union Bank of India RTGS Form

Bank of Maharashtra RTGS Form

Indusind Bank RTGS Form

IOB RTGS Form

Karnataka Bank RTGS Form

Central Bank RTGS Form

UPI

Google Pay

UPI Full Form

UPI Transaction Limit

UPI Customer Care Number

UPI PIN

Virtual Payment Address

Whatsapp Payments

BHIM

BHIM SBI Pay

HDFC UPI Limit

UPI Charges

Axis Bank UPI ID

ICICI UPI Limit

Union Bank UPI ID

PNB UPI

Bank of Maharashtra UPI Limit

Citibank UPI

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We are here to make your investment journey simple by delivering content on financial topics in plain English.

Categories

  • Tax
  • Cryptocurrency
  • Aadhar
  • Mutual Funds
  • General Insurance
  • Pension & Retirement
  • Car Insurance
  • Travel Insurance

Quick Link

  • About Us
  • Contact
  • Terms & Conditions
  • Privacy Policy

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