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

Bank Timings in India 2023 – Saturday Timings, Lunch Timings

Monika Mohan
Monika Mohan March 16, 2023 7 Min Read
Updated 2023/03/20 at 8:46 PM
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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).

Contents
Bank Timings in IndiaCommercial Bank Timings in IndiaSmall Finance Bank Timings in IndiaBank Timings on SaturdayBank Lunch TimingsRBI Bank TimingsBank Transfer TimingsBank Timings : FAQs

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.

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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Posted 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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