Banks in Kolkata, Bhubaneswar, and Agartala will remain closed on Friday, January 23, 2026, for Netaji Jayanti and Saraswati Puja (Basant Panchami). This creates a four-day banking break in these regions as it is followed by the fourth Saturday, Sunday, and Republic Day. While physical branches shut, digital services like UPI and ATMs remain fully operational.