Banks to Remain Closed on December 25 Across Pakistan: SBP & PSX Issue Holiday Notice
Pakistan will observe a complete public holiday on December 25 to mark Quaid-e-Azam Muhammad Ali Jinnah’s birthday and Christmas celebrations across the country. In line with the official holiday notification issued by the Government of Pakistan, the State Bank of Pakistan (SBP) has announced that all banks will remain closed on this date. The Pakistan Stock Exchange (PSX) has also confirmed suspension of trading activities for the day.
This national holiday holds great symbolic value as it celebrates the birth anniversary of the founder of the nation while also honoring the Christian community’s biggest religious event of the year. Because of this, banks, financial institutions, and stock markets traditionally remain closed nationwide, and this year will be no different.
People and businesses have been advised to plan their financial activities ahead of the holiday, as in-branch services will not be available on December 25. However, digital banking channels are expected to remain functional so customers can still carry out essential transactions.
SBP Confirms Closure of Banks on December 25
The State Bank of Pakistan officially announced that it will remain closed on December 25 in observance of the dual national holiday. This closure automatically applies to all commercial banks, Islamic banks, microfinance banks, and DFIs operating across the country.
Since SBP manages key financial settlement operations, its closure means several banking functions such as interbank transactions, clearing, and settlement services will not operate on the holiday. Branches will remain shut and over-the-counter services will be unavailable.
What Banking Services Will Be Affected?
With banks closed on December 25, the following services will not be available:
- In-branch cash deposits and withdrawals
- Cheque clearing and submission
- Pay orders and demand draft issuance
- Over-the-counter banking services
- Corporate and treasury banking transactions requiring working day processing
- Interbank settlements and clearinghouse operations
Citizens are encouraged to complete urgent financial tasks, salary transfers, payments, or business settlements before the holiday to avoid inconvenience.
What Services Will Remain Available?
Although physical bank branches will remain closed, digital banking networks will continue functioning as usual. Most banks in Pakistan now ensure 24/7 access to:
- ATM cash withdrawal services
- Mobile banking applications
- Internet banking portals
- Debit and credit card transactions
This makes it easier for customers to carry out routine payments, transfers, and purchases even during the holiday. Banks generally issue advisory instructions to ensure uninterrupted ATM cash availability throughout the holiday period.
Pakistan Stock Exchange (PSX) to Remain Closed on December 25
Apart from the banking sector, the Pakistan Stock Exchange has also announced a complete closure on December 25. Trading will remain suspended for the day in compliance with its official market holiday calendar.
This means:
- No trading session will take place
- No settlement or clearing of trades will occur
- Market operations will resume on the next working day
Investors, brokerage houses, and trading participants have been notified in advance so they can plan their trading strategies accordingly. Such stock market closures on national holidays are standard practice every year.
National Importance of December 25 in Pakistan
December 25 is one of the most meaningful and symbolic dates in Pakistan’s calendar. It represents both national pride and religious harmony.
On this day, Pakistan commemorates the birthday of Quaid-e-Azam Muhammad Ali Jinnah, the founder of the nation whose vision, leadership, and determination led to the creation of Pakistan. Various ceremonies, official gatherings, and tributes are organized nationwide to honor his contributions. Government officials, institutions, and citizens alike pay respect to his legacy, reminding the nation of his principles of unity, faith, and discipline.
At the same time, the day is equally significant for Pakistan’s Christian community, who celebrate Christmas with religious joy and enthusiasm. Churches across the country organize special prayers and services, while communities arrange charity events, family gatherings, and cultural celebrations. Government authorities also implement special security and facilitation measures to ensure peaceful celebrations nationwide.
This dual celebration reflects Pakistan’s diversity, unity, and spirit of coexistence, making December 25 a truly special national occasion.
Government Offices and Public Institutions to Observe Holiday
Along with banks and PSX, most government institutions, public offices, educational institutions, and many private organizations will also remain closed on December 25 in line with the national holiday schedule. Routine government operations will resume on the next working day.
Citizens and Businesses Advised to Plan Ahead
Since December 25 is a complete banking and financial holiday, both individuals and businesses are advised to plan financial transactions well in advance. Those needing branch assistance for:
- Corporate payments
- Business settlements
- Cheque clearance
- International remittances requiring manual processing
- Large cash withdrawals
- Government fee submissions
should ensure completion before the holiday to avoid delays.
Conclusion – Banks to Remain Closed on December 25 Across Pakistan
December 25 will be observed as a Banks to Remain Closed on December 25 Across Pakistan in honor of Quaid-e-Azam Day and Christmas, with the State Bank of Pakistan, commercial banks, and the Pakistan Stock Exchange remaining closed. While branch banking services and market trading will remain suspended, digital banking services will continue to facilitate customers nationwide.
The day carries immense national value, symbolizing respect for Pakistan’s founder and promoting unity with the country’s Christian community. Normal banking and financial operations are expected to resume on the next working day.
