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 Name | Bank Timings: Monday to Saturday (AM to PM) |
| State Bank of India Timings (SBI) | 09:00 – 3:30 |
| PNB Bank Timings | 10:00 – 4:00 |
| Bank of Baroda Timings | 10:00 – 4:00 |
| HDFC Bank Timings | 09:30 – 3:30 |
| ICICI Bank Timings | 09:30 – 3:00 |
| Axis Bank Timings | 09:30 – 3:30 |
| Kotak Mahindra Bank Timings | 09:30 – 4:30 |
| IndusInd Bank Timings | 09:30 – 5:00 |
| Yes Bank Timings | 09:30 – 4:30 |
| Union Bank of India Timings | 10:00 – 4:00 |
| Bank of India Timings | 10:00 – 4:00 |
| Bank of Maharashtra Timings | 10:00 – 5:00 |
| IDBI Bank Timings | 10:00 – 4:00 |
| Central Bank of India Timings | 10:00 – 4:00 |
| Andhra Bank Timings | 10:00 – 4:00 |
| Federal Bank Timings | 10:00 – 3:30 |
| Karnataka Bank Timings | 10:00 – 4:00 |
Small Finance Bank Timings in India
| Bank Name | Bank Timings: Mon. to Sat.* (AM to PM) |
| AU Small Finance Bank | 9:30 AM to 6:00 PM |
| Fincare Small Finance Bank | 10:00 AM to 5:00 PM |
| Utkarsh Small Finance Bank | 9:30 AM to 3:30 PM |
| Jana Small Finance Bank | 10:00 AM to 4:00 PM |
| Suryodaya Small Finance Bank | 9:30 AM to 5:30 PM |
| Ujjivan Small Finance Bank | 9:00 AM to 6:00 PM |
| ESAF Small Finance Bank | 9:00 AM to 5:30 PM |
| North East Small Finance Bank | 10:00 AM to 5:30 PM |
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.
RBI Bank Timings
| City | Monday to Friday | Saturday |
| New Delhi | 9:30 AM – 5:15 PM (Working Hours) 10:00 AM – 2:30 PM (banking Hours) | Closed |
| Mumbai | 10:15 AM – 5:15 PM | 10:15 AM – 1:45 PM |
| Chennai | 9:45 AM – 5:00 PM | 9:45 AM – 1:15 PM |
| Kolkata | 9:50 AM – 5:05 PM | 9:50 AM – 1:20 PM |
| Bangalore | 10:00 AM – 5:30 PM | 10:00 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
In India, most of the banks work from 9AM to 5PM. For bank timings of the major banks, please refer to this table .
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.
NEFT window is open round the clock but transfers happen in batches of 15 minutes and take around 1 hour to complete.
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.
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.
