It’s not a strike. It’s not a systems crash. It’s Gandhi Jayanti, Dussehra, and a bunch of regional festivals. And yes, your branch might be closed while your friend’s isn’t; it all depends on where you live. Agartala? Closed on Maha Saptami. Kolkata? Closed for Durga Puja. Shimla? Laxmi Puja + Karva Chauth = double shutdown. The RBI’s holiday list is a patchwork of state-specific traditions. So if you’re rushing to deposit a cheque or access your locker; check your city’s calendar first. Digital banking? Still runs. ATMs? Fine. But physical branches? Not so much. And this isn’t just about October; it’s a reminder that India’s banking system dances to 29 different state drums. Plan ahead. Or you’ll be staring at a locked door with a demand draft in your hand.