I manifest my zeal in financial quantitative & quantitative research and have been instrumental in creating a robust process for the evaluation and monitoring of mutual funds. I’m responsible for Equity and Mutual Funds Research while creating instrumental mathematical models for portfolio construction after evaluating funds, and I play an integral role in analyzing changes in mutual funds, micro, and macro-economic indicators, and equity market events and trends. My views on asset classes which are integral in creating an investment strategy for any profile. With over 5 years of market experience in the field of Financial Markets specifically product research and development.
I manifest my zeal in financial quantitative & quantitative research and have been instrumental in creating a robust process for the evaluation and monitoring of mutual funds. I’m responsible for Equity and Mutual Funds Research while creating instrumental mathematical models for portfolio construction after evaluating funds, and I play an integral role in analyzing changes in mutual funds, micro, and macro-economic indicators, and equity market events and trends. My views on asset classes which are integral in creating an investment strategy for any profile. With over 5 years of market experience in the field of Financial Markets specifically product research and development.
Finance Minister Nirmala Sitharaman's Union Budget 2026, featuring a massive ₹12.2 lakh crore capex push, manufacturing revival in semiconductors, electronics, biopharma & textiles, MSME support, infrastructure acceleration, and the STT hike on F&O shapes winners and losers across key sectors, get a crisp breakdown of post-Budget market reactions in India's growth journey toward Viksit Bharat 2047.1) Budget 2026 Impact on Textile SectorCotton Productivity Mission (5 years) aims to boost yields, ensure stable supply, and raise farmer incomes under “5F” vision. Technical textiles get support with two more duty-free shuttleless looms for agro, medical, and geo-textiles. Basic Customs Duty on some knitted fabrics rises to 20% or ₹115/kg to protect domestic producers. Broader measures include scaling up manufacturing, MSME credit, green tech incentives, and export schemes like RoSCTL/RoDTEP, building the PM MITRA parks and SAMARTH skilling. New steps modernise units, stabilise prices, protect against tariff pressures via FTAs, and aim to revive exports and employment in traditional and rural segments.Stocks to FocusMutual Funds to WatchWelspun LivingNippon India Consumption FundGokaldas ExportsMirae Asset Great Consumer FundVardhman TextilesICICI Prudential Bharat Consumption FundTridentAditya Birla Sun Life Consumption FundPearl GlobalBaroda BNP Paribas India Consumption Fund2) Budget 2026 Impact on the Railway SectorRailways get ₹2.7 lakh crore to focus on safety, faster project delivery, better freight, and improved passenger comfort. Key moves include expanding Kavach, new high-speed rail corridors.More Vande Bharat sleeper trains, a freight corridor, container manufacturing support, station upgrades, and use of Indian-made components to create jobs and reduce imports.Stocks to WatchMutual Funds to WatchRVNL (Rail Vikas Nigam)ICICI Prudential Infrastructure FundIRFC (Indian Railway Finance)Invesco India Infrastructure FundIRCTCSBI Infrastructure FundTitagarh Rail SystemsKotak Infrastructure & Economic Reform FundJupiter WagonsUTI Infrastructure Fund3) Budget 2026 Impact on Bond Market (Corporate & Municipal Bonds)The Union Budget 2026–27 aims to strengthen India’s corporate and municipal bond markets so companies and cities rely less on bank loans and get cheaper funding. Key steps include market-making support, new risk-management tools, and incentives to encourage large municipal bond issues. These reforms are designed to improve liquidity, attract more investors, and support long-term funding for infrastructure and green projects while maintaining financial stability.Stocks to WatchMutual Funds to WatchKotak BankHDFC Corporate Bond FundICICI BankICICI Prudential Corporate Bond FundHDFC BankSBI Magnum Income FundAxis BankAxis Strategic Bond Fund4) Budget 2026 Impact on Semiconductors & Electronics SectorThe Union Budget 2026–27 speeds up India’s push for self-reliance in semiconductors and electronics under Viksit Bharat 2047. launch of India Semiconductor Mission 2.0 comes with a ₹40,000 crore allocation to build a full domestic ecosystem, from chip design and manufacturing to skilled talent. The Electronics Components Manufacturing Scheme also gets ₹40,000 crore, with investments already crossing ₹1.15 lakh crore. Moves aim to create high-tech jobs, support sectors such as AI, EVs, and defence, and reduce global supply chain risks.Stocks to WatchMutual Funds to WatchDixon TechnologiesICICI Prudential Technology FundCG Power & Industrial SolutionsMotilal Oswal Nasdaq 100 ETFTata ElectronicsUTI Transportation & Logistics FundKaynes TechnologyNippon India Consumption Fund5) Budget 2026 Impact on Defence & Long-Term Security SectorIndia sharpens its focus on national security and self-reliance under Viksit Bharat 2047 and Atmanirbhar Bharat amid rising global risks. Defence spending sees a moderate increase of about 8–15% over the previous ₹1.8–2 lakh crore, with emphasis on modernisation, domestic procurement, and advanced technology. Key priorities include aircraft, missiles, drones, naval assets, electronic warfare, and C4ISR systems, along with faster indigenisation, stronger private-sector participation.Defence exports targeting ₹50,000 crore by 2029, and closer links with AI, semiconductors, cybersecurity, and border infrastructure to boost long-term security and readiness.Stocks to WatchMutual Funds to WatchHindustan Aeronautics (HAL)HDFC Defence FundBharat Electronics (BEL)Nippon India Nifty India Defence Index FundBharat Dynamics (BDL)ICICI Prudential Manufacturing Fund6) Budget 2026 Impact on Nuclear Energy & Small Modular Reactors (SMRs)India steps up its push for nuclear power as a clean, reliable energy source to meet growing demand and its net-zero by 2070 goal. A new Nuclear Energy Mission is launched with an outlay of ₹20,000 crore to support R&D, safety upgrades, and the development of Small Modular Reactors (SMRs). The plan targets 100 GW nuclear capacity by 2047, up from ~8 GW today, and at least 5 indigenous SMRs by 2033. Focus areas include thorium-based fuel, higher safety, limited private participation, and linking nuclear power with renewables and hydrogen to deliver flexible, low-carbon energy.Stocks to WatchMutual Funds to WatchLarsen & Toubro (L&T)ICICI Prudential Infrastructure FundBharat Heavy Electricals (BHEL)SBI Infrastructure FundNTPCInvesco India Infrastructure Fund7) Budget 2026 Impact on Chemicals & Rare Earths/Critical Minerals SectorIndia steps up self-reliance in chemicals and critical minerals, including rare earths, to support electronics, defence, EVs, renewables, and clean energy. Key moves include setting up 3 cluster-based chemical parks with plug-and-play facilities.Proposed Building rare earth corridors in Odisha, Kerala, Andhra Pradesh, and Tamil Nadu to cover mining, processing, and manufacturing. Wider support for exploration, recycling, and supply security of lithium, cobalt, nickel, and rare earths aims to cut imports, create jobs, and strengthen domestic supply chains.Stocks to WatchMutual Funds to WatchHindustan CopperNippon India Commodities FundNALCOICICI Prudential Commodities FundVedantaSBI Contra FundSRFAditya Birla Sun Life Manufacturing Equity FundNavin FluorineUTI Transportation & Logistics Fund8) Budget 2026 Impact on Services Sector & NBFCsThe services sector is targeting 10% of the global market by 2047, leveraging India’s young, tech-savvy workforce. A new ‘Education to Employment and Enterprise’ committee will guide services-led growth, jobs, exports, and AI readiness. NBFCs get a boost through tech adoption, expanded credit for MSMEs and rural areas.Restructuring of key public-sector NBFCs, such as PFC and REC under the Ministry of Power, to enhance scale, efficiency, and financial inclusion.Stocks to WatchMutual Funds to WatchBajaj FinanceNippon India Banking & Financial Services FundMuthoot FinanceSBI Banking & Financial Services FundShriram FinanceICICI Prudential Banking & Financial Services FundCholamandalam InvestmentAditya Birla Sun Life Banking & Financial Services Fund9) Budget 2026 Impact on Carbon Capture & Hard-to-Abate SectorsIndia targets industrial decarbonisation across hard-to-abate sectors such as steel, cement, refineries, chemicals, and power. A ₹20,000 crore fund over five years will fast-track Carbon Capture, Utilisation, and Storage (CCUS) projects, technology scaling, and infrastructure to cut emissions and stay competitive under global rules like the EU CBAM. Combined with carbon markets, mineral recycling, and green finance reforms, this push aims to lower costs, create green jobs, and position India as a leader in advanced industrial decarbonisation.Stocks to WatchMutual Funds to WatchTata SteelICICI Prudential Commodities FundJSW SteelAditya Birla Sun Life Manufacturing Equity FundUltraTech CementNippon India Consumption FundJK CementSBI Magnum Midcap Fund10) Budget 2026 Impact on AI & Emerging Tech SectorAI and emerging technologies will drive inclusive growth, better governance, and expansion of the services sector. A new ‘Education to Employment and Enterprise’ committee will assess AI’s impact on jobs and skills and recommend measures to future-proof the workforce. A ₹500 crore Centre of Excellence in AI for Education will promote AI-enabled learning, teacher training, and digital literacy. The AVGC sector is establishing creative tech labs in 15,000 schools and 500 colleges to prepare 2 million professionals in digital content, XR, and creative technologies by 2030.Stocks to WatchMutual Funds to WatchTCS (Tata Consultancy Services)ICICI Prudential Technology FundInfosysAditya Birla Sun Life Digital India FundWiproMirae Asset NYSE FANG+ ETF Fund of Fund11) Budget 2026 Impact on Biopharma & Healthcare SectorBiopharma and healthcare receive a major push to deliver affordable, high-quality treatments for NCDs such as diabetes, cancer, and autoimmune disorders. The Biopharma Shakti Scheme gets ₹10,000 crore over five years to build domestic biologics and biosimilars capacity, reduce imports, and boost innovation. Three new NIPERs, upgrades to seven others, and 1,000 accredited clinical trial sites will strengthen R&D, manufacturing, high-skill jobs, FDI, and exports, making India a global biopharma hub.Stocks to be ImpactedMutual Funds to be ImpactedBioconNippon India Pharma FundPanacea BiotecDSP Healthcare FundSun Pharmaceutical IndustriesSBI Healthcare Opportunities FundDr Reddy's LaboratoriesICICI Prudential Pharma Healthcare & Diagnostics FundCiplaUTI Healthcare FundConclusionUnion Budget 2026-27 lays out a bold yet grounded vision for a self-reliant, future-ready India, powering up semiconductors, defence, biopharma, green tech, and services while equipping our workforce and embracing AI for the long haul.It's refreshingly practical and balanced between ambition and fiscal reality, but the true game-changer will be how quickly and effectively these plans move from paper to real progress on the ground.Disclaimer: The information provided in the article is only for educational purpose and should not be taken as an investment advice. Investors are advised to conduct their own research and consult SEBI-registered financial advisors before making any investment decisions. Related Articles:Budget Day Market Movement History in IndiaPre-Budget 2026 Market Outlook.
Markets often get busy with ups and downs before it is due to tax-pending and new rules. For investors, the smart thing is to stay ready rather than try to guess every detail. Keep your long-term goals in mind, manage risks, and watch the big picture, such as government spending plans.How Stock Markets Act Before the Budget?Markets start moving weeks earlier due to news leaks, expert opinions, and world events.Why Rumors Move Prices More Than News?Rumors will affect the markets and stock prices as traders & investors may open or close positions based on someone's expectations. Stocks often rise early when there is good news. Many people buy on hope, then sell after the news comes out. Example: if everyone thinks the government will spend more on roads, road company stocks go up fast, but if the Budget just matches expectations, prices can drop because there is no new surprise.Short Rallies, Dips, and More Ups and DownsThings get jumpy near Budget Day because of event risk, anything can happen.
Investors, traders, market analysts, and corporate leaders are keeping an eye on the stock market on Finance Minister Nirmala Sitharaman's presentation of the Union Budget 2026 on Sunday 1st February. This budget will lay down the economic roadmap for the country in the financial year 2026-27. History of Market Movement on Budget DaysUnion Budget 2026:The Union Budget for FY 2026-2027 was presented by Finance Minister Smt. Nirmala Sitharaman on Sunday, February 1, 2026. This historic session marked the first time a Union Budget was presented on a Sunday, requiring a special trading session for the Indian stock markets.The market reaction was sharply negative, characterised by a significant sell-off following the announcement of a hike in the Securities Transaction Tax (STT) on derivatives. The Nifty 50 ended the session down 593 points (-2.33%) at 24,825.45, while the Sensex plunged 1,843 points (-2.23%) to close at 80,722.94.Here's a breakdown of the key changes and their impact on different sectors:1) Agriculture and Rural Development:The government launched "Bharat-VISTAAR," a multilingual AI tool designed to provide customised advisory support to farmers to improve productivity and reduce risks.
US President Donald Trump announced a new bilateral trade deal with India on February 2, 2026, effective immediately, slashing tariffs on most Indian goods from the previous 50% to just 18%. In exchange, India committed to zero tariffs on US goods, halting Russian oil purchases, shifting to US sourcing, adopting stronger "Buy American" policies, and pledging major future US product imports exceeding $500 billion, marking a key de-escalation in trade tensions.Key Highlights:US reduces tariff on Indian goods from the previous high of 50% to 18%, effective immediately.Reduction removes the additional 25% punitive duty previously linked to India's Russian oil purchases.India commits to moving toward zero tariffs and eliminating non-tariff barriers on US goods.India agrees to halt purchases of Russian crude oil and shift sourcing to the USWhat are the US Tariffs on India?The US tariffs on Indian goods have been significantly reduced following a new bilateral trade deal announced by President Donald Trump on February 2, 2026, effective immediately. Previously, US tariffs on most Indian exports reached 50% (a combination of a 10% baseline, 15% reciprocal making 25%, plus an additional 25% punitive duty). This impacted over 55% of India's $87 billion exports to the US , while exempting critical sectors like pharmaceuticals, semiconductors, energy, and critical minerals.Under the new deal:The US has slashed the reciprocal tariff from 25% to 18%.The additional 25% punitive tariff has been fully removed/rescinded.Effective overall tariff rate on most Indian goods is now 18%.In exchange, India has agreed to move toward zero tariffs and eliminate non-tariff barriers on US goods, halt Russian crude oil purchases, shift sourcing to the US, adopt stronger "Buy American" policies, and commit to major future purchases of US products such as energy, technology, agriculture, with estimates over $500 billion.This de-escalates months of trade tensions that began with reciprocal tariffs in April 2025 and escalated in mid-2025. PM Modi welcomed the reduced 18% tariff on "Made in India" products, expressing gratitude and noting benefits for bilateral ties. Official confirmations from both sides are emerging, with positive implications for affected Indian exporters.Trump’s Additional Tariffs on Indian ImportsThe US President Donald Trump announced the additional tariffs will be implemented on Indian goods from 27th August 2025, on 6 August 2025 which are getting imported in US. This follows an earlier 25% duty implemented on August 1, 2025, targeting India’s continued purchase of Russian oil amid geopolitical friction over the Russia-Ukraine war. The tariffs were the highest the US charged on any of its other trading partner.
A tariff is a percentage tax levied on the value of goods imported from other countries. On February 2, 2026, President Donald Trump announced a bilateral trade deal with India, effective immediately, reducing the effective tariff rate to 18%. Let’s understand deeper what reciprocal tariffs are, the reasons behind them, and why the impact on the Indian economy has remained relatively limited.Key Highlights: On February 2, 2026, President Trump announced a bilateral trade deal with India, effective immediately, reducing the rate to 18%.In exchange, India agreed to zero tariffs on US goods, halt Russian oil purchases, and boost major US product imports.What is Reciprocal Tariffs?Reciprocal tariffs are basically when one country puts a tax on another country’s products in response to that country doing the same to its products.For example, if Country A charges a 15% tax on Country B's steel, Country B might do the same to Country A's cars.The idea behind these tariffs is fairness. The goal is either to protect the country’s own industries or to pressure the other country into lowering its taxes or restrictions.These tariffs are a way to negotiate. If both sides keep fighting with tariffs, it can turn into a full trade war, like the one between the U.S.
The Union Budget 2026-27, presented by Finance Minister Nirmala Sitharaman on February 1, 2026, reflects a strategic pivot towards domestic manufacturing (Atmanirbhar Bharat) and healthcare accessibility and characterised by significant customs duty rationalisations, specifically targeting reductions in costs for life-saving treatments and essential electronics while discouraging the import of finished luxury goods.Overview of Budget 2026 and Economic ImplicationsThe budget sets a fiscal deficit target of 4.3% for FY 2026-27, maintaining a steady path of fiscal consolidation. A massive boost in capital expenditure (Capex) to ₹12.2 lakh crore (up 9% from the previous year) aims to drive infrastructure growth and job creation.For the average citizen, the income tax slabs under the New Tax Regime remain unchanged from the 2025 revision, meaning individuals with a taxable income of up to ₹12 lakh effectively pay zero tax (including the standard deduction and rebates). This stability provides middle-class households with a predictable disposable income.What is Becoming Cheaper Post-Budget 20261) Essential Goods & Medical SuppliesCancer Drugs: Basic Customs Duty (BCD) has been fully exempted for 17 cancer drugs, significantly lowering the cost of chemotherapy and related treatments.Rare Disease Medicines: 7 drugs for rare diseases and specialised medical foods are now duty-exempt.Diabetes Care: Prices for insulin and other critical diabetic medicines are expected to drop due to rationalisation of supply chain taxes.2) Consumer GoodsMobile Phones & Tablets: Duties on components (connectors, PCBA, and battery covers) have been slashed to boost local assembly.Microwave Ovens: BCD on specific parts used for manufacturing has been removed, making domestic microwaves cheaper.Leather Footwear: Duty-free import of inputs such as "Wet Blue" leather will lower the prices of high-quality leather shoes and accessories.EV Batteries: Extension of duty exemptions on lithium-ion cell manufacturing equipment will help stabilise and eventually reduce Electric Vehicle prices.3) ServicesInternational Travel: The TCS (Tax Collected at Source) on overseas tour packages has been reduced from 5-20% to just 2%, making foreign holidays more affordable.Foreign Education: TCS on remittances for education and medical purposes is also capped at 2%, easing the burden on students studying abroad.4) Tax-Related ReliefsStandard Deduction: Remains at ₹75,000 for salaried individuals under the New Tax Regime.Interest on Accident Claims: Interest awarded by the Motor Accident Claims Tribunal is now fully tax-exempt for individuals.What is Becoming Costlier Post-Budget 20261) Luxury and Non-Essential GoodsImported Luxury Watches: Higher tariffs to protect domestic premium brands.Imported Alcohol: Duty hikes on premium spirits and wines.High-End Cameras: Photographic and filming equipment imported from abroad will see a price hike.2) Environmental & Sin GoodsCigarettes & Tobacco: Hike in National Calamity Contingent Duty (NCCD) makes smoking more expensive.Non-Eco-Friendly Inputs: Higher duties on certain plastics and non-recyclable packaging materials.3) Health & Wellness AdjustmentsCoffee Machines: Removal of duty exemptions on coffee roasting and brewing machines may lead to slightly higher prices for café-style home equipment.4) Tax AdjustmentsStock Trading (F&O): The Securities Transaction Tax (STT) has been raised to 0.05% on Futures and 0.15% on Options, increasing the cost for active retail traders.Sector-Specific Price ChangesSectorImpactReasonAutomobileMixedCheaper EV batteries, but luxury imported cars remain expensive.ElectronicsCheaperLower duties on phone and TV parts due to Semiconductor Mission 2.0.AgricultureCostlierFertiliser prices may rise due to the removal of import exemptions.MarineCheaperuty-free import limit for shrimp feed increased.Full List of Costlier and Cheaper ItemsItems Becoming CheaperCategoryItemCustoms Duty ChangeImpactHealthcareCancer & Rare Disease DrugsBasic Customs Duty (BCD) is fully exempt for 17 cancer drugs and 7 rare diseases.Significant reduction in treatment costs for patients.Travel & StudyForeign Tour PackagesTCS reduced from 5–20% down to 2% (without any threshold).Cheaper international holidays and upfront booking costs.ElectronicsMobile Phones & TabletsReduced duties on specific components and capital goods.Lower retail prices for Made-in-India smartphones.Electronics (Household Appliances)Microwave OvensBCD is exempted from specified parts/components.Reduced production and purchase costs for kitchen appliances.Clean EnergyEV Batteries & Solar PanelsBCD exempt on Li-ion cells and solar glass ingredients (Sodium Antimonate).Cheaper Electric Vehicles and solar energy installations.AviationCivilian Aircraft ComponentsBCD is fully exempt from parts for manufacture and MRO.Boost to domestic aircraft manufacturing and lower maintenance costs.ExportsLeather & TextilesDuty-free imports of inputs for Shoe Uppers and technical textiles.Cheaper raw materials for footwear and garment exporters.Consumer GoodsPersonal ImportsBCD slashed from 20% to 10%.Lower costs for items ordered from abroad for personal use.SeafoodShrimp & Fish FeedDuty-free import limit for inputs raised from 1% to 3%.Reduced costs for the marine export industry.Items Becoming CostlierCategoryItemCustoms Duty ChangeImpactTradingStock Market TransactionsSTT hiked to 0.05% on Futures and 0.15% on Options.Higher cost for retail traders in the F&O segment.Luxury GoodsImported Watches & AlcoholRationalisation of duties/Excise hikes on high-end imports.Increased prices for premium luxury brands.Sin GoodsTobacco & CigarettesHike in National Calamity Contingent Duty (NCCD) or Excise.Higher retail prices for cigarettes and pan masala.Home/KitchenCoffee MachinesRemoval of existing BCD exemptions on roasting/brewing units.Higher cost for imported professional coffee equipment.AgricultureSpecific FertilizersRemoval of import fee exemptions on Ammonium Phosphate.Potentially higher costs for certain manure and complex fertilisers.PhotographyImported Cameras/EquipmentDuty increases on specific filming and sound recording equipment.Higher costs for high-end professional imported gear.How People Can Benefit from the New Budget ChangesPlan International Travel Now: With TCS down to 2%, the upfront cost of booking foreign trips is much lower.Upgrade Electronics Locally: Instead of buying imported gadgets, look for "Made in India" smartphones and appliances, as they benefit most from the new duty cuts.Review Trading Strategies: F&O traders should account for the higher STT in their profit/loss calculations to avoid "tax slippage."Maximize New Tax Regime: If your income is below ₹12.75 lakh (including standard deduction), ensure you opt into the New Tax Regime to enjoy zero tax liability.ConclusionBudget 2026 is a "Growth and Relief" budget. It provides immediate financial relief to families dealing with serious illnesses and encourages middle-class spending on travel and electronics. While it makes speculation in the stock market and luxury imports costlier, the overarching goal is to make India a global manufacturing hub while keeping essential living costs in check..
A share buyback is a process where a company buys its shares from the public via the open market or tender route, often at a price higher than the current market price, allowing investors to apply and make a profit. In this article, we’ll explore the process with examples.Budget 2026 UpdateBuyback of shares will be taxed under Capital Gains as proposed in Budget 2026. What is a Share Buyback?A share buyback is a process in which a company repurchases its own stock from shareholders via tender or open market. This buyback decreases the number of shares owned publicly, thereby returning funds to shareholders and increasing the stake owned by remaining shareholders.Example:Let us assume a share is trading at 1500 the company announces a buyback for 2000 via tender routhe here the share holder can participate in the share buyback process and apply for share buyback for 2000 the company will take the shares on proportionality basis and transfer the funds to the share bolder.Objectives of Buyback of SharesIncrease Shareholder Value:buyback means the company is using its money to buy back some of its own shares from the stock market. When this happens, there are fewer shares available for people to own.Since the company's earnings (profits) are now spread out over fewer shares, each remaining share is worth a bigger piece of the profit. This results in EPS (earnings per share) going up, even if the company's total profit stays the same.Return Excess Cash:If a company is willing to give extra profits to shareholders via corporate actions, buybacks, or dividends instead of using that money to improve the business or invest in new projects or business expansions where that could help it grow, it might not be the best move.If the company has opportunities to make more money by investing in things like new products and technology or expanding into new markets but instead chooses to give that money to shareholders, it’s like missing out on chances to grow.
Based on market expectations for Budget 2026, the best investment strategies for maximising returns and tax savings focus on high-quality equity, structural growth sectors, and leveraging tax-efficient retirement products. Investing early allows people to secure benefits available under current rules and reduces exposure to sudden policy shifts.Why Investing Before the Budget Matters?The Union Budget can change market direction overnight. Investing early lets prepare for what’s coming and turn uncertainty into opportunity.Align Your Portfolio with Government PrioritiesThe government often focuses on key areas such as infrastructure, manufacturing, digital services, and renewable energy.Investing before the Budget helps position your money in sectors likely to benefit. This alignment can lead to higher potential returns when policies are announced.Handle Market Volatility BetterMarkets often move up or down even before the Budget due to rumours and expectations.Short-term rallies or dips are common in the pre-Budget period.Investing early avoids panic decisions during last-minute volatility.Use Smart Strategies Like Rupee Cost AveragingStart SIPs or regular investments before the Budget.Rupee cost averaging buys more units when prices dip and fewer when high.This reduces risk from sudden post-Budget market swings.Give Your Money More Time to GrowThe earlier you invest, the longer your investment gets benefits from compounding, even small delays can impact long-term growth.Pre-Budget planning turns a stressful event into a chance for stronger wealth creation.Best Tax-Saving Investments to Make Before Budget 2026The old tax regime continues to provide meaningful deductions, while the new regime remains the default with fewer options. Salaried individuals and others can still use Sections 80C, 80CCD and 80D to lower taxable income under current limits for FY 2025-26.Section 80C InvestmentsThe deduction up to 1.5 lakh under Section 80C applies only under the old regime.
The Punjab National Bank holiday list 2026 is essential for planning branch visits, cash transactions, and cheque clearances smoothly throughout the year. This updated PNB bank holidays 2026 schedule covers national, regional, and festival breaks, so you can quickly check the latest PNB holiday list before heading to the branch.Upcoming Holidays:Losar will be celebrated on Wednesday, 18 Feb 2026.Chhatrapati Shivaji Maharaj Jayanti falls on Thursday, 19 Feb 2026.State Day observed on Friday, 20 Feb 2026.List of Punjab National Bank Holidays for January 2026DateEvent NameStates / Union TerritoriesThursday, 1 Jan 2026New Year’s Day / Gaan-NgaiAizawl, Chennai, Gangtok, Imphal, Itanagar, Kohima, Kolkata, ShillongFriday, 2 Jan 2026New Year Celebration / Mannam JayanthiAizawl, Kochi, ThiruvananthapuramSaturday, 3 Jan 2026Birthday of Hazrat AliLucknowMonday, 12 Jan 2026Birth Day of Swami VivekanandaKolkataWednesday, 14 Jan 2026Makar Sankranti / Magh BihuAhmedabad, Bhubaneswar, Guwahati, ItanagarThursday, 15 Jan 2026Uttarayana Punyakala / Pongal / Maghe Sankranti / Makara SankrantiBengaluru, Chennai, Gangtok, Hyderabad, VijayawadaFriday, 16 Jan 2026Thiruvalluvar DayChennaiSaturday, 17 Jan 2026Uzhavar ThirunalChennaiFriday, 23 Jan 2026Birthday of Netaji Subhas Chandra Bose / Saraswati Puja (Shree Panchami) / Vir Surendrasai Jayanti / Basanta PanchamiAgartala, Bhubaneswar, KolkataMonday, 26 Jan 2026Republic DayAll locations except Bhopal, Chandigarh, Dehradun, Kanpur, and SrinagarList of Punjab National Bank Holidays for February 2026DateEvent NameStates / Union TerritoriesWednesday, 18 Feb 2026LosarGangtokThursday, 19 Feb 2026Chhatrapati Shivaji Maharaj JayantiBelapur, Mumbai, NagpurFriday, 20 Feb 2026State Day / Statehood DayAizawl, ItanagarList of Punjab National Bank Holidays for March 2026DateEvent NameStates / Union TerritoriesMonday, 2 Mar 2026Holika DahanLucknowTuesday, 3 Mar 2026Holi (Second Day) / Dol Jatra / Dhulandi / Holika DahanBelapur, Gangtok, Guwahati, Hyderabad, Jaipur, Kolkata, Mumbai, Nagpur, Panaji, Patna, Ranchi, VijayawadaWednesday, 4 Mar 2026Holi / Holi 2nd Day – Dhuleti / Yaosang 2nd DayAgartala, Ahmedabad, Aizawl, Bhubaneswar, Imphal, Itanagar, Jammu, Lucknow, New Delhi, Raipur, Shillong, ShimlaFriday, 13 Mar 2026Chapchar KutAizawlTuesday, 17 Mar 2026Shab-I-QadrJammuThursday, 19 Mar 2026Gudhi Padwa / Ugadi Festival / Telugu New Year’s Day / Sajibu Nongmapanba (Cheiraoba) / 1st NavratraBelapur, Bengaluru, Chennai, Hyderabad, Imphal, Jammu, Kochi, Mumbai, Nagpur, Panaji, VijayawadaFriday, 20 Mar 2026Eid-Ul-Fitr (Ramzan) / Jumat-ul-VidaAhmedabad, Aizawl, Belapur, Jaipur, Kolkata, Lucknow, Mumbai, Nagpur, RanchiSaturday, 21 Mar 2026Ramzan-Id (Id-Ul-Fitr) / Shawal-1 / Khutub-E-Ramzan / SarhulAizawl, Belapur, Jaipur, Kolkata, Lucknow, Mumbai, Nagpur, RanchiThursday, 26 Mar 2026Shree Ram NavamiAgartala, Bhubaneswar, Gangtok, Guwahati, Hyderabad, Imphal, Itanagar, Jammu, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Patna, Raipur, ShillongFriday, 27 Mar 2026Shree Ram Navami (Chaite Dasain)Ahmedabad, Aizawl, Belapur, Jaipur, Kolkata, Lucknow, Mumbai, Nagpur, RanchiTuesday, 31 Mar 2026Mahavir Janmakalyanak / Mahavir JayantiAhmedabad, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Hyderabad, Jaipur, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Patna, Raipur, Ranchi, VijayawadaList of Punjab National Bank Holidays for April 2026DateEvent NameStates / Union TerritoriesWednesday, 1 Apr 2026To enable Banks to close their yearly accounts (Banks’ Closing)Agartala, Ahmedabad, Belapur, Bengaluru, Bhubaneswar, Chennai, Guwahati, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Thiruvananthapuram, VijayawadaThursday, 2 Apr 2026Maundy ThursdayKochi, ThiruvananthapuramFriday, 3 Apr 2026Good FridayAhmedabad, Aizawl, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Hyderabad, Imphal, Itanagar, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, Panaji, Patna, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaTuesday, 14 Apr 2026Dr Babasaheb Ambedkar Jayanti / Maha Vishuva Sankranti / Biju / Buisu Festival / Tamil New Year’s Day / Bohag Bihu / Cheiraoba / BaisakhiAgartala, Ahmedabad, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Guwahati, Hyderabad, Imphal, Jaipur, Jammu, Kochi, Kolkata, Lucknow, Mumbai, Nagpur, Panaji, Patna, Ranchi, Thiruvananthapuram, VijayawadaWednesday, 15 Apr 2026Bengali New Year’s Day (Nababarsha) / Bohag Bihu / Vishu / Himachal DayAgartala, Guwahati, Itanagar, Kochi, Kolkata, Shimla, ThiruvananthapuramThursday, 16 Apr 2026Bohag BihuGuwahatiMonday, 20 Apr 2026Basava Jayanti / Akshaya TritiyaBengaluru, KolkataTuesday, 21 Apr 2026Garia PujaAgartalaList of Punjab National Bank Holidays for May 2026DateEvent NameStates / Union TerritoriesFriday, 1 May 2026Maharashtra Din / Buddha Pournima / May Day (Labour Day) / Birth Anniversary of Pandit Raghunath MurmuAgartala, Aizawl, Belapur, Bengaluru, Chennai, Guwahati, Hyderabad, Imphal, Itanagar, Jammu, Kochi, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shimla, Thiruvananthapuram, VijayawadaSaturday, 9 May 2026Birthday of Rabindranath TagoreKolkataSaturday, 16 May 2026State DayGangtokTuesday, 26 May 2026Birthday of Kazi Nazrul IslamAgartala, Ahmedabad, Aizawl, Guwahati, Hyderabad, Imphal, Jammu, Kochi, Kohima, Kolkata, Lucknow, New Delhi, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaWednesday, 27 May 2026Eid-Ul-Adha (Bakri-Eid) / Id-ul-ZuhaAgartala, JammuThursday, 28 May 2026Bakri Id (Id-Uz-Zuha)Belapur, Bengaluru, Chennai, Jaipur, Jammu, Mumbai, Nagpur, Panaji, PatnaList of Punjab National Bank Holidays for June 2026DateEvent NameStates / Union TerritoriesMonday, 15 Jun 2026YMA Day / Raja SankrantiAizawl, BhubaneswarThursday, 25 Jun 2026MoharrumVijayawadaFriday, 26 Jun 2026Muharram (Yaom-E-Shahadath) / Last Day of Moharam / AshooraAgartala, Aizawl, Belapur, Bengaluru, Chennai, Hyderabad, Jammu, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Patna, Raipur, RanchiMonday, 29 Jun 2026Sant Guru Kabir JayantiShimlaTuesday, 30 Jun 2026Remna NiAizawlList of Punjab National Bank Holidays for July 2026DateEvent NameStates / Union TerritoriesMonday, 6 Jul 2026MHIP DayAizawlThursday, 9 Jul 2026Beh DeinkhlamShillongThursday, 16 Jul 2026Ratha Yatra / Kang (Rathajatra)BhubaneswarFriday, 17 Jul 2026Death Anniversary of U Tirot SinghImphalSaturday, 18 Jul 2026Drukpa Tshe-ziGangtokWednesday, 22 Jul 2026Kharchi PujaAgartala, ShillongList of Punjab National Bank Holidays for August 2026DateEvent NameStates / Union TerritoriesTuesday, 4 Aug 2026Ker PujaAgartalaSaturday, 8 Aug 2026Tendong Lho Rum FaatGangtokThursday, 13 Aug 2026Patriot’s DayImphalSaturday, 15 Aug 2026Independence Day / Parsi New Year (Shahenshahi)Agartala, Ahmedabad, Aizawl, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Guwahati, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaWednesday, 19 Aug 2026Birthday of Maharaja Bir Bikram Kishore Manikya BahadurAgartalaTuesday, 25 Aug 2026Milad-Un-Nabi / First Onam / Milad-i-Sherif (Birthday of Prophet Muhammed)Kochi, Thiruvananthapuram, VijayawadaWednesday, 26 Aug 2026Id-E-Milad / Baravafat / Milad-un-Nabi (Birthday of Prophet Mohammad) / ThiruvonamBelapur, Bengaluru, Chennai, Hyderabad, Imphal, Jammu, Kochi, Lucknow, Mumbai, Nagpur, New Delhi, Patna, Raipur, Ranchi, ThiruvananthapuramFriday, 28 Aug 2026Raksha Bandhan / Pang-Lhabsol / Friday following Eid-i-Milad-ul-Nabi / Sree Narayana Guru Jayanthi / Ayyankali JayanthiAhmedabad, Gangtok, Imphal, Jaipur, Jammu, Kochi, Lucknow, Mumbai, Nagpur, New Delhi, Shimla, ThiruvananthapuramList of Punjab National Bank Holidays for September 2026DateEvent NameStates / Union Territories Friday, 4 Sep 2026Janmashtami (Shravan Vad-8) / Krishna JayanthiAhmedabad, Aizawl, Bhubaneswar, Chennai, Hyderabad, Jaipur, Jammu, Kolkata, Lucknow, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaSaturday, 12 Sep 2026Tirubhav Tithi of Srimanta SankardevaGuwahatiMonday, 14 Sep 2026Ganesh Chaturthi / Ganesh Puja / Varasiddhi Vinayaka Vrata / Vinayakar Chaturthi / HartalikaBelapur, Bengaluru, Bhubaneswar, Chennai, Hyderabad, Mumbai, Nagpur, Panaji, VijayawadaTuesday, 15 Sep 2026Samvatsari (Chaturthi Paksha) / Nuakhai / Ganesh Chaturthi (2nd Day)Ahmedabad, Belapur, Bengaluru, Bhubaneswar, Chennai, Hyderabad, Mumbai, Nagpur, Panaji, VijayawadaMonday, 21 Sep 2026Janmotsav of Srimanta Sankardeva / Sree Narayana Guru SamadhiGangtokTuesday, 22 Sep 2026Karma PujaGangtok, KochiWednesday, 23 Sep 2026Birthday of Maharaja Hari Singh JiJammu, RanchiFriday, 25 Sep 2026IndrajatraGangtok, PanajiList of Punjab National Bank Holidays for October 2026DateEvent NameStates / Union TerritoriesFriday, 2 Oct 2026Mahatma Gandhi JayantiAgartala, Ahmedabad, Aizawl, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Guwahati, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaSaturday, 10 Oct 2026Mahalaya AmavasyeBengaluruSaturday, 17 Oct 2026Maha SaptamiAgartala, Gangtok, Bhubaneswar, Chennai, Itanagar, Kolkata, Patna, Ranchi, ShillongMonday, 19 Oct 2026Dussehra (Mahashtami) / Maha Navami / Ayutha Pooja / Durga Puja / Vijaya Dashomi / Durga AshtamiAgartala, Ahmedabad, Aizawl, Bhubaneswar, Chennai, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaTuesday, 20 Oct 2026Dasara / Dusshera (Vijaya Dashmi) (Aaso sud-10) / Mahanavami / Ayudhapooja / Durga PujaAgartala, Ahmedabad, Aizawl, Bengaluru, Bhubaneswar, Chennai, Itanagar, Kolkata, Patna, Ranchi, Shillong, VijayawadaWednesday, 21 Oct 2026Vijaya Dasami / Durga Puja (Dasain)Agartala, Bengaluru, Bhubaneswar, Chennai, Kolkata, Ranchi, Shillong, VijayawadaThursday, 22 Oct 2026Durga Puja (Dasain)Gangtok, ShimlaFriday, 23 Oct 2026Durga Puja (Dasain)Gangtok, KolkataMonday, 26 Oct 2026Laxmi Puja / Accession Day / Maharishi Valmiki’s BirthdayAgartalaThursday, 29 Oct 2026Karva ChauthShimlaSaturday, 31 Oct 2026Sardar Vallabhbhai Patel's BirthdayShimlaList of Punjab National Bank Holidays for November 2026DateEvent NameStates / Union Territories Monday, 9 Nov 2026Diwali / Laxmi Puja (Deepawali) / Govardhan PoojaAgartala, Gangtok, Imphal, Jaipur, LucknowTuesday, 10 Nov 2026Diwali (Bali Pratipada) / Deepavali / Laxmi Puja / Vikram Samvant New Year DayAhmedabad, Belapur, Bengaluru, Gangtok, Mumbai, NagpurWednesday, 11 Nov 2026Laxmi Puja (Deepawali) / Ningol Chakkouba / Bhratridwitiya / Bhaidooj / Chitragupt JayantiGangtok, Imphal, Kolkata, Lucknow, ShimlaFriday, 13 Nov 2026Wangala FestivalShillongMonday, 16 Nov 2026Chhath Puja / Surya Shashti Dala Chhath (Prath Arghya)Patna, RanchiMonday, 23 Nov 2026Seng Kut SnemAizawlTuesday, 24 Nov 2026Guru Nanak Jayanti / Karthika Purnima / Rahas PurnimaBelapur, Bhubaneswar, Hyderabad, Itanagar, Jaipur, Jammu, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Raipur, Ranchi, Shillong, ShimlaFriday, 27 Nov 2026Kanakadasa JayanthiBengaluruList of Punjab National Bank Holidays for December 2026DateEvent NameStates / Union TerritoriesTuesday, 1 Dec 2026Indigenous Faith Day / State Inauguration DayItanagar, KohimaThursday, 3 Dec 2026Feast of St. Francis XavierPanajiWednesday, 9 Dec 2026Losoong / NamsoongGangtokThursday, 10 Dec 2026Losoong / NamsoongGangtokFriday, 11 Dec 2026Losoong / NamsoongGangtokSaturday, 12 Dec 2026Death Anniversary of Pa Togan Nengminja SangmaShillongFriday, 18 Dec 2026Death Anniversary of U SoSo ThamShillongSaturday, 19 Dec 2026Goa Liberation DayPanajiThursday, 24 Dec 2026Christmas EveAizawl, Kohima, ShillongFriday, 25 Dec 2026ChristmasAgartala, Ahmedabad, Aizawl, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Guwahati, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaSaturday, 26 Dec 2026ChristmasAizawl, Kohima, ShillongWednesday, 30 Dec 2026Death Anniversary of U Kiang NangbahAizawl, ShillongThursday, 31 Dec 2026New Year’s EveAizawl, ShillongHolidays like Eid, Holi, and Diwali are based on the lunar calendar, which follows the phases of the moon rather than the fixed solar calendar we normally use for dates.Related Bank-wise Holidays Articles:1. BOB Bank Holidays List 20262. ICICI Bank Holidays List 20263. Axis Bank Holidays List 20264.
The HDFC Bank holiday list 2026 features all national and regional holidays across Indian states, helping customers plan their banking and financial activities around major festivals and state observances.This Article includes the list of month wise state holidays which helps the users to plan their banking without any hassles.Upcoming Holidays:Losar falls on Wednesday, 18 Feb 2026.Chhatrapati Shivaji Maharaj Jayanti celebrated on Thursday, 19 Feb 2026.Statehood Day observed on Friday, 20 Feb 2026.List of HDFC Bank Holidays for January 2026DateEvent NameStates / Union TerritoriesThursday, 1 Jan 2026New Year’s Day / Gaan-NgaiAizawl, Chennai, Gangtok, Imphal, Itanagar, Kohima, Kolkata, ShillongFriday, 2 Jan 2026New Year Celebration / Mannam JayanthiAizawl, Kochi, ThiruvananthapuramSaturday, 3 Jan 2026Birthday of Hazrat AliLucknowMonday, 12 Jan 2026Birth Day of Swami VivekanandaKolkataWednesday, 14 Jan 2026Makar Sankranti / Magh BihuAhmedabad, Bhubaneswar, Guwahati, ItanagarThursday, 15 Jan 2026Uttarayana Punyakala / Pongal / Maghe Sankranti / Makara SankrantiBengaluru, Chennai, Gangtok, Hyderabad, VijayawadaFriday, 16 Jan 2026Thiruvalluvar DayChennaiSaturday, 17 Jan 2026Uzhavar ThirunalChennaiFriday, 23 Jan 2026Birthday of Netaji Subhas Chandra Bose / Saraswati Puja (Shree Panchami) / Vir Surendrasai Jayanti / Basanta PanchamiAgartala, Bhubaneswar, KolkataMonday, 26 Jan 2026Republic DayAll locations except Bhopal, Chandigarh, Dehradun, Kanpur, and SrinagarList of HDFC Bank Holidays for February 2026DateEvent NameStates / Union TerritoriesWednesday, 18 Feb 2026LosarGangtokThursday, 19 Feb 2026Chhatrapati Shivaji Maharaj JayantiBelapur, Mumbai, NagpurFriday, 20 Feb 2026State Day / Statehood DayAizawl, ItanagarList of HDFC Bank Holidays for March 2026DateEvent NameStates / Union TerritoriesMonday, 2 Mar 2026Holika DahanLucknowTuesday, 3 Mar 2026Holi (Second Day) / Dol Jatra / Dhulandi / Holika DahanBelapur, Gangtok, Guwahati, Hyderabad, Jaipur, Kolkata, Mumbai, Nagpur, Panaji, Patna, Ranchi, VijayawadaWednesday, 4 Mar 2026Holi / Holi 2nd Day – Dhuleti / Yaosang 2nd DayAgartala, Ahmedabad, Aizawl, Bhubaneswar, Imphal, Itanagar, Jammu, Lucknow, New Delhi, Raipur, Shillong, ShimlaFriday, 13 Mar 2026Chapchar KutAizawlTuesday, 17 Mar 2026Shab-I-QadrJammuThursday, 19 Mar 2026Gudhi Padwa / Ugadi Festival / Telugu New Year’s Day / Sajibu Nongmapanba (Cheiraoba) / 1st NavratraBelapur, Bengaluru, Chennai, Hyderabad, Imphal, Jammu, Kochi, Mumbai, Nagpur, Panaji, VijayawadaFriday, 20 Mar 2026Eid-Ul-Fitr (Ramzan) / Jumat-ul-VidaAhmedabad, Aizawl, Belapur, Jaipur, Kolkata, Lucknow, Mumbai, Nagpur, RanchiSaturday, 21 Mar 2026Ramzan-Id (Id-Ul-Fitr) / Shawal-1 / Khutub-E-Ramzan / SarhulAizawl, Belapur, Jaipur, Kolkata, Lucknow, Mumbai, Nagpur, RanchiThursday, 26 Mar 2026Shree Ram NavamiAgartala, Bhubaneswar, Gangtok, Guwahati, Hyderabad, Imphal, Itanagar, Jammu, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Patna, Raipur, ShillongFriday, 27 Mar 2026Shree Ram Navami (Chaite Dasain)Ahmedabad, Aizawl, Belapur, Jaipur, Kolkata, Lucknow, Mumbai, Nagpur, RanchiTuesday, 31 Mar 2026Mahavir Janmakalyanak / Mahavir JayantiAhmedabad, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Hyderabad, Jaipur, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Patna, Raipur, Ranchi, VijayawadaList of HDFC Bank Holidays for April 2026DateEvent NameStates / Union TerritoriesWednesday, 1 Apr 2026To enable Banks to close their yearly accounts (Banks’ Closing)Agartala, Ahmedabad, Belapur, Bengaluru, Bhubaneswar, Chennai, Guwahati, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Thiruvananthapuram, VijayawadaThursday, 2 Apr 2026Maundy ThursdayKochi, ThiruvananthapuramFriday, 3 Apr 2026Good FridayAhmedabad, Aizawl, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Hyderabad, Imphal, Itanagar, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, Panaji, Patna, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaTuesday, 14 Apr 2026Dr Babasaheb Ambedkar Jayanti / Maha Vishuva Sankranti / Biju / Buisu Festival / Tamil New Year’s Day / Bohag Bihu / Cheiraoba / BaisakhiAgartala, Ahmedabad, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Guwahati, Hyderabad, Imphal, Jaipur, Jammu, Kochi, Kolkata, Lucknow, Mumbai, Nagpur, Panaji, Patna, Ranchi, Thiruvananthapuram, VijayawadaWednesday, 15 Apr 2026Bengali New Year’s Day (Nababarsha) / Bohag Bihu / Vishu / Himachal DayAgartala, Guwahati, Itanagar, Kochi, Kolkata, Shimla, ThiruvananthapuramThursday, 16 Apr 2026Bohag BihuGuwahatiMonday, 20 Apr 2026Basava Jayanti / Akshaya TritiyaBengaluru, KolkataTuesday, 21 Apr 2026Garia PujaAgartalaList of HDFC Bank Holidays for May 2026DateEvent NameStates / Union TerritoriesFriday, 1 May 2026Maharashtra Din / Buddha Pournima / May Day (Labour Day) / Birth Anniversary of Pandit Raghunath MurmuAgartala, Aizawl, Belapur, Bengaluru, Chennai, Guwahati, Hyderabad, Imphal, Itanagar, Jammu, Kochi, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shimla, Thiruvananthapuram, VijayawadaSaturday, 9 May 2026Birthday of Rabindranath TagoreKolkataSaturday, 16 May 2026State DayGangtokTuesday, 26 May 2026Birthday of Kazi Nazrul IslamAgartala, Ahmedabad, Aizawl, Guwahati, Hyderabad, Imphal, Jammu, Kochi, Kohima, Kolkata, Lucknow, New Delhi, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaWednesday, 27 May 2026Eid-Ul-Adha (Bakri-Eid) / Id-ul-ZuhaAgartala, JammuThursday, 28 May 2026Bakri Id (Id-Uz-Zuha)Belapur, Bengaluru, Chennai, Jaipur, Jammu, Mumbai, Nagpur, Panaji, PatnaList of HDFC Bank Holidays for June 2026DateEvent NameStates / Union TerritoriesMonday, 15 Jun 2026YMA Day / Raja SankrantiAizawl, BhubaneswarThursday, 25 Jun 2026MoharrumVijayawadaFriday, 26 Jun 2026Muharram (Yaom-E-Shahadath) / Last Day of Moharam / AshooraAgartala, Aizawl, Belapur, Bengaluru, Chennai, Hyderabad, Jammu, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Patna, Raipur, RanchiMonday, 29 Jun 2026Sant Guru Kabir JayantiShimlaTuesday, 30 Jun 2026Remna NiAizawlList of HDFC Bank Holidays for July 2026DateEvent NameStates / Union TerritoriesMonday, 6 Jul 2026MHIP DayAizawlThursday, 9 Jul 2026Beh DeinkhlamShillongThursday, 16 Jul 2026Ratha Yatra / Kang (Rathajatra)BhubaneswarFriday, 17 Jul 2026Death Anniversary of U Tirot SinghImphalSaturday, 18 Jul 2026Drukpa Tshe-ziGangtokWednesday, 22 Jul 2026Kharchi PujaAgartala, ShillongList of HDFC Bank Holidays for August 2026DateEvent NameStates / Union TerritoriesTuesday, 4 Aug 2026Ker PujaAgartalaSaturday, 8 Aug 2026Tendong Lho Rum FaatGangtokThursday, 13 Aug 2026Patriot’s DayImphalSaturday, 15 Aug 2026Independence Day / Parsi New Year (Shahenshahi)Agartala, Ahmedabad, Aizawl, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Guwahati, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaWednesday, 19 Aug 2026Birthday of Maharaja Bir Bikram Kishore Manikya BahadurAgartalaTuesday, 25 Aug 2026Milad-Un-Nabi / First Onam / Milad-i-Sherif (Birthday of Prophet Muhammed)Kochi, Thiruvananthapuram, VijayawadaWednesday, 26 Aug 2026Id-E-Milad / Baravafat / Milad-un-Nabi (Birthday of Prophet Mohammad) / ThiruvonamBelapur, Bengaluru, Chennai, Hyderabad, Imphal, Jammu, Kochi, Lucknow, Mumbai, Nagpur, New Delhi, Patna, Raipur, Ranchi, ThiruvananthapuramFriday, 28 Aug 2026Raksha Bandhan / Pang-Lhabsol / Friday following Eid-i-Milad-ul-Nabi / Sree Narayana Guru Jayanthi / Ayyankali JayanthiAhmedabad, Gangtok, Imphal, Jaipur, Jammu, Kochi, Lucknow, Mumbai, Nagpur, New Delhi, Shimla, ThiruvananthapuramList of HDFC Bank Holidays for September 2026DateEvent NameStates / Union Territories Friday, 4 Sep 2026Janmashtami (Shravan Vad-8) / Krishna JayanthiAhmedabad, Aizawl, Bhubaneswar, Chennai, Hyderabad, Jaipur, Jammu, Kolkata, Lucknow, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaSaturday, 12 Sep 2026Tirubhav Tithi of Srimanta SankardevaGuwahatiMonday, 14 Sep 2026Ganesh Chaturthi / Ganesh Puja / Varasiddhi Vinayaka Vrata / Vinayakar Chaturthi / HartalikaBelapur, Bengaluru, Bhubaneswar, Chennai, Hyderabad, Mumbai, Nagpur, Panaji, VijayawadaTuesday, 15 Sep 2026Samvatsari (Chaturthi Paksha) / Nuakhai / Ganesh Chaturthi (2nd Day)Ahmedabad, Belapur, Bengaluru, Bhubaneswar, Chennai, Hyderabad, Mumbai, Nagpur, Panaji, VijayawadaMonday, 21 Sep 2026Janmotsav of Srimanta Sankardeva / Sree Narayana Guru SamadhiGangtokTuesday, 22 Sep 2026Karma PujaGangtok, KochiWednesday, 23 Sep 2026Birthday of Maharaja Hari Singh JiJammu, RanchiFriday, 25 Sep 2026IndrajatraGangtok, PanajiList of HDFC Bank Holidays for October 2026DateEvent NameStates / Union TerritoriesFriday, 2 Oct 2026Mahatma Gandhi JayantiAgartala, Ahmedabad, Aizawl, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Guwahati, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaSaturday, 10 Oct 2026Mahalaya AmavasyeBengaluruSaturday, 17 Oct 2026Maha SaptamiAgartala, Gangtok, Bhubaneswar, Chennai, Itanagar, Kolkata, Patna, Ranchi, ShillongMonday, 19 Oct 2026Dussehra (Mahashtami) / Maha Navami / Ayutha Pooja / Durga Puja / Vijaya Dashomi / Durga AshtamiAgartala, Ahmedabad, Aizawl, Bhubaneswar, Chennai, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaTuesday, 20 Oct 2026Dasara / Dusshera (Vijaya Dashmi) (Aaso sud-10) / Mahanavami / Ayudhapooja / Durga PujaAgartala, Ahmedabad, Aizawl, Bengaluru, Bhubaneswar, Chennai, Itanagar, Kolkata, Patna, Ranchi, Shillong, VijayawadaWednesday, 21 Oct 2026Vijaya Dasami / Durga Puja (Dasain)Agartala, Bengaluru, Bhubaneswar, Chennai, Kolkata, Ranchi, Shillong, VijayawadaThursday, 22 Oct 2026Durga Puja (Dasain)Gangtok, ShimlaFriday, 23 Oct 2026Durga Puja (Dasain)Gangtok, KolkataMonday, 26 Oct 2026Laxmi Puja / Accession Day / Maharishi Valmiki’s BirthdayAgartalaThursday, 29 Oct 2026Karva ChauthShimlaSaturday, 31 Oct 2026Sardar Vallabhbhai Patel's BirthdayShimlaList of HDFC Bank Holidays for November 2026DateEvent NameStates / Union Territories Monday, 9 Nov 2026Diwali / Laxmi Puja (Deepawali) / Govardhan PoojaAgartala, Gangtok, Imphal, Jaipur, LucknowTuesday, 10 Nov 2026Diwali (Bali Pratipada) / Deepavali / Laxmi Puja / Vikram Samvant New Year DayAhmedabad, Belapur, Bengaluru, Gangtok, Mumbai, NagpurWednesday, 11 Nov 2026Laxmi Puja (Deepawali) / Ningol Chakkouba / Bhratridwitiya / Bhaidooj / Chitragupt JayantiGangtok, Imphal, Kolkata, Lucknow, ShimlaFriday, 13 Nov 2026Wangala FestivalShillongMonday, 16 Nov 2026Chhath Puja / Surya Shashti Dala Chhath (Prath Arghya)Patna, RanchiMonday, 23 Nov 2026Seng Kut SnemAizawlTuesday, 24 Nov 2026Guru Nanak Jayanti / Karthika Purnima / Rahas PurnimaBelapur, Bhubaneswar, Hyderabad, Itanagar, Jaipur, Jammu, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Raipur, Ranchi, Shillong, ShimlaFriday, 27 Nov 2026Kanakadasa JayanthiBengaluruList of HDFC Bank Holidays for December 2026DateEvent NameStates / Union TerritoriesTuesday, 1 Dec 2026Indigenous Faith Day / State Inauguration DayItanagar, KohimaThursday, 3 Dec 2026Feast of St. Francis XavierPanajiWednesday, 9 Dec 2026Losoong / NamsoongGangtokThursday, 10 Dec 2026Losoong / NamsoongGangtokFriday, 11 Dec 2026Losoong / NamsoongGangtokSaturday, 12 Dec 2026Death Anniversary of Pa Togan Nengminja SangmaShillongFriday, 18 Dec 2026Death Anniversary of U SoSo ThamShillongSaturday, 19 Dec 2026Goa Liberation DayPanajiThursday, 24 Dec 2026Christmas EveAizawl, Kohima, ShillongFriday, 25 Dec 2026ChristmasAgartala, Ahmedabad, Aizawl, Belapur, Bengaluru, Bhubaneswar, Chennai, Gangtok, Guwahati, Hyderabad, Imphal, Itanagar, Jaipur, Jammu, Kochi, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Panaji, Patna, Raipur, Ranchi, Shillong, Shimla, Thiruvananthapuram, VijayawadaSaturday, 26 Dec 2026ChristmasAizawl, Kohima, ShillongWednesday, 30 Dec 2026Death Anniversary of U Kiang NangbahAizawl, ShillongThursday, 31 Dec 2026New Year’s EveAizawl, ShillongSome festivals like Eid, Holi, and Diwali don’t stick to our usual school or office calendar. They are decided by the moon, which is why their dates change every year.Related Bank-wise Holidays Articles:1. BOB Bank Holidays List 20262. ICICI Bank Holidays List 20263.