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<ul class="summary-list"><li>Shireen Nagdive worked as a software engineer in India when she applied for a master's in the US.</li><li>She told Business Insider it was a big risk taking out a $59,000 loan for her studies.</li></ul>This as-told-to essay is based on a transcribed conversation with 29-year-old Shireen Nagdive from Kalyan, India, about her experience moving to the US and working for Salesforce. The following has been edited for length and clarity.I grew up in a very small town in India called Kalyan, near Mumbai. I've been interested in computers since I was a child and wanted to pursue a career in <a target="_blank" class="" href="https://www.businessinsider.com/computer-science-job-market-was-tougher-than-i-expected-2023-12">computer science</a> since the eighth grade.I did my bachelor's degree in computer science at Visvesvaraya National Institute of Technology in <a target="_blank" class="" href="https://www.businessinsider.com/indians-leaving-big-tech-to-launch-startups-back-home-2024-9">India</a> from 2012 to 2016. In the last year of my course, I got an offer as a software engineer for a multinational company in India.I'm the first woman in my family to graduate from college and work for a big corporation.<h2 id="a8a22fef-ba92-45d4-8510-b66557966d2f">I applied for a master's in the US</h2>I moved in with some roommates from work. They were all sitting the graduate record examination, which can help with admissions to <a target="_blank" class="" href="https://www.businessinsider.com/graduate-school-masters-mba-college-regret-2024-7">business schools in the US</a>.I'd never heard of it. No one close to me had pursued a career outside our hometown, let alone in the US.At 23, I knew I wanted to spend my whole career in tech, and it seemed like a good time to study for a couple of years in the US. I wanted to deepen my understanding of computer science and work on more complex projects. I decided to do the exam and see what happened. Every day after my 9-to-5, I'd study for the exam.I sat the exam and got decent marks, so I applied for several master's degrees in computer science in the US in 2017. I had a rough idea of how expensive they were, but I didn't know how I'd pay for them. I got into the computer science master's program at Stony Brook College in New York to start in 2018.<h2 id="e52405e2-72cb-4d22-aabd-529d38764bc3">I took a big risk taking out a loan</h2>I'd funded my examination and college application fees through my job, but I had no idea how I would finance a master's degree in America.The course fees were $59,000. That is a lot of money, which my family didn't have.I'd have to take on a <a target="_blank" class="" href="https://www.businessinsider.com/professor-student-loan-debt-suddenly-forgiven-2024-8">lot of debt</a>. One option was to take out a collateral loan on our family home. The bank would be able to take the property as collateral if I didn't make my payments. My dad and I discussed this, but we didn't want our only house to be an asset on the loan.I decided to take out a non-collateral loan to cover the fee cost, which has a higher interest rate.Relatives asked me why I was taking on so much debt for my education instead of buying a house in India, building my own company, or making an investment. My dad, who had paid for my bachelor's degree, was worried, but my mom encouraged him to trust me.I questioned whether it was worth it, but I wanted to invest in myself. I thought: "If I don't take this risk now, I will regret it for the rest of my life."To counteract my doubts, I developed a calculated risk framework. What would be the worst thing that could happen, and how I would resolve it?The worst-case scenario was that I didn't get a job in the US, and it would take me a lot longer to repay my debt, including more interest. My solution was to return to India, where I knew I could get work. It might take me a decade to repay my debt, but at least I'd have no regrets.<h2 id="2e018fd4-9e86-4790-b36d-30a1edca9c44">I focused on what I could control</h2>I'd never been to the US before, but my debts scared me more than moving to a new country. Stony Brook is in New York. I visualized skyscrapers like in movies, but the college was actually in Long Island. My room was cramped. I initially wondered why I had come, but I made friends and adjusted to the city.Two weeks after I started, my friend and I wanted to try out salsa classes. That day, I heard from my roommates that someone on the course had already landed an internship with Microsoft. I hadn't even started preparing to apply to internships. I ditched the salsa and told myself I'd focus solely on my applications to tech jobs and interview preparation.Landing an internship could help my résumé and could be converted into a full-time offer. I worked day and night at college and gave my 100%. Working so hard on application alongside my course and assignments was pretty stressful. All the computer science students worked and lived on the same campus – it felt competitive, but also motivating.I was often homesick and called my parents daily. I liked hearing about what they had for lunch and dinner, just the basic things.<h2 id="af48b5f8-1d58-4940-a393-2a3efa2f747a">I landed a job with Salesforce</h2>I got an internship with <a target="_blank" class="" href="https://www.businessinsider.com/salesforce-ping-pong-work-flexible-2024-7">Salesforce</a> in the summer of 2019 while doing my master's. It was in Washington state. I got to work on a project. I realized it was a great place for engineering and innovation and I really liked the culture. It helped me figure out I wanted to work on the backend side of things, on large scale systems.My manager was a great mentor and when I finished the project, I was offered a full-time role on the technical team that aligned with my interests. It was based in the Bay Area.I felt so relieved, and happy that my hard work had finally paid off. Not only could I repay my debt, but I could contribute to a great tech product at Salesforce.<h2 id="8a98083b-2e92-4cf4-85d8-b5f826c379d4">I moved to Silicon Valley</h2>I moved to the Bay Area in February 2020. I realized how much <a target="_blank" class="" href="https://www.businessinsider.com/san-francisco-new-york-london-tech-where-to-live-2024-8">tech innovation is happening in the area</a> and how many opportunities there were to build relationships with people in the industry. But I was <a target="_blank" class="" href="https://www.businessinsider.com/moved-to-us-from-india-big-tech-changed-me-2024-7">homesick</a> because I couldn't travel home to India during the pandemic.I managed to pay back my loan in 2020.I've been here for four years, with Salesforce sponsoring my visa. I'm enjoying life in the US and haven't got plans to return to India. I'll figure that out in a couple of years.I'm so grateful I get to work with smart engineers on my team on a daily basis. I've seen an improvement in my problem-solving and communication skills in engineering.Last year, I was able to bring my parents to the US for a holiday. It was a dream for me to show them around all the beautiful places in California. I've grown so much over the last few years both as a software engineer and as a person. Starting from scratch in a new country makes you tough. I'm so glad I invested in myself.For other students who don't have a family background where they know how to figure all this out, if I can achieve my <a target="_blank" class="" href="https://www.businessinsider.com/what-is-the-american-dream-gen-zers-flexibility-freedom-individualism-2023-5">American dream</a>, you can too.If you've taken a significant career risk and would like to share your story, email <a target="_blank" href="mailto:ehopkins@businessinsider.com">ehopkins@businessinsider.com</a>.

I moved to the US from India and took out a $59K loan to follow my dream of landing a job in Big Tech. My risk paid off. 

<ul><li>Monthly commercial leasing activity declined in January as compared to December. </li><li>Delhi NCR, Chennai and Mumbai accounted for 77% of the leasing activity. </li><li>January’s aggregate leasing activity was sluggish as it coincides with the holiday season. </li></ul>According to the JLL India Aggregate Monthly Office Lease Tracker, total monthly commercial leasing activity for the month of January stood at 3.2 million sq. ft. It showed a month-on-month decline of 56.4%. In December 2022, the total leasing activity stood at 7.4 million sq. However, on a year-on-year comparison, it was higher by 93% as the leasing stood at 1.7 million sq. ft last January. Fresh leasing which included expansion and relocation-driven space accounted for 87% of all recorded transactions during the month. The month of January is typically a slow period, due to the holiday effect. “We have observed a sluggish period in January for the last couple of years. Many of the big occupants are American firms where the senior guys and decision makers take leave. Also, global headwinds could have led to a slowdown. Also, many of the deals in January spill over into February and March. An overall sluggishness is likely but more sustained trends of demand movement will be visible moving ahead over the course of the next 2-3 months,” says Dr Samantak Das, chief economist and head research &amp; REIS India, JLL. Due to the pandemic, there was a dent in leasing activities, but in 2022 it reached pre-pandemic levels again. “With the current run rate of 3.2 million sq. ft, we are optimistic that 2023 will be a good year as well, but it is too early to say because there may be some moderations,” says Das. In 2022, net absorption was over 38+ million sq. ft, and in 2020 and 2021, it was in the range of 25-26 million sq.ft. According to Office Lease Tracker, the IT sector is presently facing slower employment and sluggish corporate growth expectations, and as a result, space take-up may be more benign as part of a course correction. “Given the evolving global economic scenario, other occupier categories are anticipated to maintain steady state, although with a minor downward bias in the short-term,” JLL said. The IT/ITeS category still remained the largest driver of overall market activity in January, accounting for 28% of total market activity, thanks to one large transaction and a few smaller ones. This was followed by manufacturing/industrial (23%) and BFSI (22%). In January 2023, Delhi NCR, Chennai and Mumbai accounted for 77% of monthly leasing activity. In terms of number of transactions, Mumbai remained the most active market, followed by Delhi-NCR.

January office space leasing slows down due to global headwinds, holidays: JLL

Holidays are one thing all of us wait for -- to get a break from the monotony and also pursue hobbies and leisure time activities. India declares holidays on national festivals and that of various religions. The major religions practiced in India are Hinduism, Islam, Christianity, Buddhism, Jainism and Sikhism. The major festivals of all these religions are declared as holidays. India therefore has a long list of public holidays. The most popular public holidays in India are Republic Day, India’s Independence Day and Gandhi Jayanti. In India, there are two types of holidays namely gazetted holidays and restricted holidays with the former applicable all over the country and the latter applicable in some states and regions. Here is a list of holidays in India for 2020 to enable you plan your schedule. <table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;background-color:#9cc3e5;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Date and Day </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;background-color:#9cc3e5;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Holiday Description </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Jan 01, 2020 (Wednesday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">New Year's Day </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Jan 15, 2020 (Wednesday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Makar Sankranti / Pongal </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Jan 26, 2020 (Sunday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Republic Day </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Feb 19, 2020 (Wednesday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Shivaji Jayanti </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Feb 21, 2020 (Friday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Maha Shivaratri </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Mar 10, 2020 (Tuesday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Holi </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Mar 25, 2020 (Wednesday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Ugadi / Gudi Padwa </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Apr 02, 2020 (Thursday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Ram Navami </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Apr 06, 2020 (Monday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Mahavir Jayanti </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Apr 10, 2020 (Friday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Good Friday </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">May 01, 2020 (Friday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Labor Day </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">May 07, 2020 (Thursday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Budhha Purnima </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">May 25, 2020 (Monday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Eid-ul-Fitr </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">June 23, 2020 (Tuesday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Rath Yatra </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Aug 01, 2020 (Saturday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Bakri Id / Eid ul-Adha </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Aug 03, 2020 (Monday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Raksha Bandhan </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Aug 12, 2020 (Wednesday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Janmashtami </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Aug 15, 2020 (Saturday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Independence Day </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Aug 22, 2020 (Saturday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Vinayaka Chaturthi </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Aug 30, 2020 (Sunday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Muharram </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Aug 31, 2020 (Monday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Onam </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Oct 02, 2020 (Friday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Mahatma Gandhi Jayanti </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Oct 25, 2020 (Sunday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Dussehra / Dasara </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Oct 30, 2020 (Friday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Milad un Nabi </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Nov 4, 2020 (Wednesday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Karva Chauth </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Nov 14, 2020 (Saturday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Diwali / Deepavali </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Nov 15, 2020 (Sunday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Govardhan Puja </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Nov 16, 2020 (Monday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Bhai Dooj </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Nov 30, 2020 (Monday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Guru Nanak's Birthday </td></tr><tr><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Dec 25, 2020 (Friday) </td><td style="border-left:solid #000000 0.5pt;border-right:solid #000000 0.5pt;border-bottom:solid #000000 0.5pt;border-top:solid #000000 0.5pt;vertical-align:top;padding:0pt 5.4pt 0pt 5.4pt;overflow:hidden;overflow-wrap:break-word;">Christmas </td></tr></tbody></table> Note: Holidays differ from state to state. The following list is only a general guideline. You need to consult your state holidays for more accurate planning. Holidays and planning our life Planning well for holidays can be very helpful so that we do not miss out on making the most of them. For example, if you go on a tour, planning well in advance can help you make the bookings in advance and avoid the last minute disappointments and delays. Being aware of bank holidays will let you plan your financial transactions in advance.

list of Holiday Calendar 2020 For India

COVID-19 Lockdown has not spared any industry. While regular life continues to be impacted over the past three months, the situation is unlikely to suddenly improve in June 2020. Fortunately, banks both in the private and public sector are allowed to provide their services despite some regulations put in place. Here is a list of <keyword id="6840483" type="UNKNOWN" weightage="20" keywordseo="bank-holidays-in-june">bank holidays in June</keyword> 2020 so that you can plan your banking and financial activities without any last-minute disappointments. As per RBI regulations, both private and public sector banks will not be open on second and fourth Saturdays in India. Sundays are regular weekend <keyword id="6372423" type="UNKNOWN" weightage="20" keywordseo="holidays">holidays</keyword> in all states of the country. Some of the holidays listed below are applicable only in certain states as regional holidays, while others are nationwide. <table style="border-width: initial; border-style: none;"></colgroup></colgroup><tbody><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Date </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Day </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Applicable in </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">5 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Friday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sant Guru Kabir Jayanti </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Several states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">7 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Weekend holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">13 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Second Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">14 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Weekend holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">15 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Monday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">YMA Day/Raja Sankranti </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">YMA Day – Mizoram Raja Sankranti – Odisha </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:top;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">21 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Weekend holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">23 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Tuesday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Ratha Yatra </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Odisha </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">27 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Fourth Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">28 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Weekend holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">30 June 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Tuesday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Remna Ni </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Mizoram </td></tr></tbody></table>

Bank holidays in June 2020 month

Bank holiday calendar for april 2020

Year on year, February comes with lesser number of days. February will also see some festivals and hence the number of working days will come down further. The right planning of your banking activities will ensure that you do not get strangled on <keyword id="1004673" type="PERSON" weightage="20" keywordseo="Bank-holidays">bank holidays</keyword> confronting an important financial transaction. Here is the list of banking holidays in February 2020. Sundays are weekend holidays for all banks in the country. Hence no bank will work on Sundays in India. As per the RBI regulations, all the banks will observe holidays on Second and Fourth Saturdays of the month. In February 2020, the banks will work on two Saturdays (February 1, 2020 and February 15, 2020) of the month and will be closed on the remaining two Saturdays of the month (February 8, 2020 and February 22, 2020). <keyword id="8689597" type="UNKNOWN" weightage="20" keywordseo="bank-holidays-in-february">Bank Holidays in February</keyword> 2020 In addition to all the four Sundays of the month, second and fourth Saturdays, the banks will not work on the applicable holidays from the following list depending on the state where the bank is located. Here is a detailed list of holidays for banks in India for February 2020. <table style="border-width: initial; border-style: none;"></colgroup></colgroup><tbody><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Date </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Day </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Description </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Applicable in states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">2 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday Holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All States in India </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">8 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Second Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All States in India </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">9 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday Holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All States in India </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">15 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Lui-Ngai-Ni </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Manipur </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">16 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday Holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All states in India </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">19 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Wednesday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Chhatrapati Shivaji Maharaj Jayanti </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Maharashtra </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">20 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Thursday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Arunachal Statehood Day and Mizoram State Day </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Arunchal Pradesh and Mizoram, respectively </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">21 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Friday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Maha Shivratri </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Many states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">22 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Fourth Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All states in India </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">23 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sunday Holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All states in India </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">24 to 26 February 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Monday to Wednesday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Losar </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sikkim </td></tr></tbody></table>

Bank Holidays In February 2020

list of holidays 2020 for J&K after the center scraps two public holidays

bank holidays is important so that we do not miss out on important transactions that might hamper the smooth flow of our lives. Here is a list of bank holidays in January 2020 to help you plan out your financial activities in the first month of the New Year. Hence, plan your financial activities beforehand. <table style="border-width: initial; border-style: none;"></colgroup></colgroup><tbody><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Date </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Day </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Holiday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Applicable in states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">1 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Wednesday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;"><a href="https://www.bankbazaar.com/indian-holiday/new-year-day.html">New Year’s Day</a> </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All over India </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">2 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Thursday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Mannam Jayanthi </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Kerala </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">2 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Thursday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;"><a href="https://www.bankbazaar.com/indian-holiday/guru-gobind-singh-jayanti.html">Guru Gobind Singh Jayanti</a> </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Many states </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">11 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Missionary Day </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Mizoram </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">11 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Second Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All over India </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">15 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Wednesday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;"><a href="https://www.bankbazaar.com/indian-holiday/bhogi-holiday.html">Bhogi</a>/<a href="https://www.bankbazaar.com/indian-holiday/pongal-holiday.html">Pongal</a>/<a href="https://www.bankbazaar.com/indian-holiday/makar-sankranti-holiday.html">Makar Sankranti</a>/Bhogali Bihu/<a href="https://www.bankbazaar.com/indian-holiday/tusu-puja.html">Tusu Puja</a>/Lohri/Hadaga </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Andhra Pradesh, Telangana, Karnataka, Assam, Punjab, and Maharashtra </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">16 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Thursday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;"><a href="https://www.bankbazaar.com/indian-holiday/thiruvalluvar-day.html">Thiruvalluvar Day</a> </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Puducherry, Tamil Nadu </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">17 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Friday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Uzhavar Tirunal / Pongal </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Puducherry, Tamil Nadu </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">23 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Thursday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;"><a href="https://www.bankbazaar.com/indian-holiday/subhash-chandra-bose-jayanti.html">Netaji Subhas Chandra Bose Jayanti</a> </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">West Bengal, Tripura, Odisha, and Assam </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">25 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sonam Lhochar/Himachal Statehood Day </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Sikkim, Himachal Pradesh </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">25 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Second Saturday </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">All over India </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">30 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Thursday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;"><a href="https://www.bankbazaar.com/indian-holiday/vasant-panchami.html">Vasant Panchami</a> </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Several States </td></tr><tr><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">31 January 2020 </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Friday </td><td style="border-left:solid #dddddd 0.75pt;border-right:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;"><a href="https://www.bankbazaar.com/indian-holiday/me-dum-me-phi.html">Me-dam-me-phi</a> </td><td style="border-left:solid #dddddd 0.75pt;border-bottom:solid #dddddd 0.75pt;border-top:solid #dddddd 0.75pt;vertical-align:middle;background-color:#f4f5f7;padding:6.75pt 11.25pt 6.75pt 11.25pt;overflow:hidden;overflow-wrap:break-word;">Assam </td></tr></tbody></table> . The list shows the bank holidays in January 2020 and the states in which they are applicable. Republic Day in January 2020 falls on Sunday. This is only a national holiday we have in the month and the other holidays differ from state to state. As per the RBI regulations, the banks in India do not work on the second and fourth Saturdays of the month in addition to Sundays.

bank holidays January 2020: Complete list of bank holidays January 2020 to help you plan your financial activities

<ul><li>RBI announced some changes in the banking rules in the country. </li><li>The latest modifications in the banking system will take effect in January 2020. </li><li>Here are the important changes you need to know regarding financial transactions, EPF, Insurance, Hallmark, FASTag and Aadhaar linking in India. </li></ul>The Reserve Bank of India (RBI) is the authority that issues the rules and regulations that govern the banking sector. It is mandatory for all the banks in the country to implement the changes announced by the RBI, which helps provide uniform customer experience. Here are the latest guidelines and changes that take effect in January 2020. NEFT charges will be rolled back As per the new RBI guidelines, banks must <a href="https://economictimes.indiatimes.com/wealth/personal-finance-news/from-january-2020-banks-cannot-charge-you-for-online-neft-transactions/articleshow/71970375.cms?from=mdr">stop charging customers a fee for transacting using the NEFT</a> (National Electronic Funds Transfer) system. This measure is intended to encourage digital transactions among the users. Statistics show digital payments accounted for over 96% of the total non-cash retail payments done from October, 2018 to September 2019. OTP to withdraw cash from ATM India’s largest bank SBI says the customers transacting on the ATMs from January 2020 will have to input an OTP sent by the bank on their registered mobile phones to complete the transaction. It means users will have to carry their mobile phones while using ATMs. This measure is implemented to prevent fraudulent transactions and enhance the security measures while using ATMs. <div type="Article" hostid="261" msid="72994722" title="Bank Holidays January 2020: Complete list of bank holidays January 2020 to help you plan your financial activities" mstype="2" mssubtype="0"></div>

 No MDR charges for transactions on RuPay and UPI platforms The Department of Revenue is to announce RuPay and UPI as the prescribed mode for paying while transacting digitally. The finance minister Nirmala Sitaraman said <a href="https://economictimes.indiatimes.com/industry/banking/finance/banking/no-mdr-charges-applicable-on-payment-via-rupay-upi-from-jan-1-sitharaman/articleshow/73008967.cms?from=mdr">there will not be any MDR (Merchant Discount Rate) charges</a> while using these platforms for transactions. You can choose to lower your EPF contribution With the bill successfully passed in the Parliament, the government has decided to let employees lower their EPF contribution if they choose to. About 12% of their basic is deducted at present from the salaries of the employees for depositing in EPF. The said revision in the rule enables employees take more salary to their homes, if they want. General insurance policy premiums will cost more The New Year might also see <a href="https://www.moneycontrol.com/news/business/personal-finance/heres-why-your-general-insurance-premium-may-rise-by-10-15-after-january-1-4655291.html">general insurance premiums go up</a> by 10 to 15% on account of the rise in reinsurance rates. Reinsurance rate is the rate that the insurance providers must pay for securing a cover. The rise in reinsurance costs will mean the premiums will cost more. Health insurance providers who are under the pressure to cover additional ailments, are looking forward to increase the health insurance premiums from 10 to 15% in 2020. <div type="Article" hostid="261" msid="72975148" title="Income tax cuts and new tax slabs ⁠— here’s how Indian Finance Minister Nirmala Sitharaman wants to make people shop more" mstype="2" mssubtype="0"></div>

 SBI loan interest rates will come down After the RBI reviewed its monetary policy in December, SBI became the first bank to cut its external benchmark rate by 25 basis points. While the revised benchmark lending rate of 7.8% is taking effect from 1 January 2020, the borrowers will see the <a href="https://economictimes.indiatimes.com/wealth/personal-finance-news/sbi-reduces-its-external-benchmark-rate-by-25-bps/articleshow/73024749.cms">home loan interest rates come down to 7.9% a year</a> from the previous 8.15%. The interests of other kinds of loans will also come down a bit in the New Year. Hallmarking becomes mandatory for jewelry From January 15, 2020, the government has said <a href="https://www.businesstoday.in/current/economy-politics/govt-set-to-make-gold-jewellery-hallmarking-mandatory-from-january-15/story/391310.html">hallmarking is mandatory on jewelry</a>. Nevertheless, the government has allowed a lean period of one year to ensure compliance with this new rule giving time for establishing new hallmarking centers across the country and also to clear existing jewelry stocks with the merchants. This move is expected to tackle the quality concerns and thereby boost demand for gold in India which is the second largest gold market of the world. <div type="Article" hostid="261" msid="73030004" title="What is UPI and how does it work?" mstype="2" mssubtype="0"></div>

 3 months extension given to link Aadhaar with PAN card The government’s latest announcement on the subject says the last date to link Aadhaar card with PAN card is extended for three more months from <a href="https://www.businesstoday.in/current/economy-politics/pan-aadhaar-linking-deadline-extended-by-3-months-to-march-31/story/392888.html">December 31, 2019 to March 31, 2020</a>. This is the second time that the government is extending this deadline so that the users are given enough time to complete the task. While the Income Tax laws say that the PAN cards will become inactive if Aadhaar card is not linked, the extension comes as a respite to those who have not linked these two documents. Those that have not purchased FASTag will have to pay two times the toll charges All private and commercial vehicles running on the Indian roads must purchase FASTags. The government earlier extended the December 1, 2019 deadline to December 15, 2019 for the vehicle owners to ensure compliance. Failing to do so and driving through the toll lanes without FASTag affixed to your car windshield, will mean you will be paying twice the toll charge. These are rechargeable tags that will enable automatic deduction of toll charges from your linked bank account as you can avoid long queues at the toll plazas. SBI’s chip debit cards will only work in the New Year 2020 SBI had earlier asked its customers to change their magnetic stripe debit cards with EMV chip and PIN-based SBI debits cards. This can be done at their home branch. If you are an SBI customer having your old magnetic stripe card, <a href="https://www.financialexpress.com/money/sbi-customer-these-atm-cum-debit-cards-will-become-useless-from-january-1-do-this/1781664/">your card will not work from January 1, 2020</a>. In a statement, SBI has said, “Apply now to change your Magnetic Stripe Debit Cards to the more secure EMV Chip and PIN-based SBI Debit card at your home branch by 31st December, 2019. Safeguard yourself with guaranteed authenticity, greater security for online payments and added security against fraud.” <div type="Article" hostid="261" msid="72906028" title="Indian economists tell Finance Minister Nirmala Sitharaman to simplify GST and direct taxes" mstype="2" mssubtype="0"></div>

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bank holidays January 2020: Complete list of bank holidays January 2020 to help you plan your financial activities

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