Short answers, pulled from the story.
The Government of India declares Republic Day on the 26th of January, Independence Day on the 15th of August, and Gandhi Jayanti on the 2nd of October as the only three mandatory holidays for all states and union territories. These dates remain fixed regardless of regional religious calendars or local customs.
Union government offices observe Christmas Day on the 25th of December, Eid al-Fitr, Eid al-Adha, Mawlid, Ashura on the 10th of Dhu al-Hijjah, Good Friday, Buddha's Birthday, Diwali, and Guru Nanak's Birthday born in 1469. Selectable optional holidays allow employees to choose from a list like Makar Sankranti or Holi based on personal convenience.
Individual states and union territories designate extra holidays such as Bhogi in Andhra Pradesh and Karnataka, Lohri in Punjab, Magh Bihu in Assam, Chapchar Kut in Mizoram, Wangala in Meghalia, Ugadi in Andhra Pradesh and Goa, Onon during Chingam in Kerala, Puthandu in Tamil Nadu, and Pohela Boishakh in West Bengal. Statehood days appear across regions like Bihar Day, Maharashtra Day, and Telangana Formation Day.
The Negotiable Instruments Act, 1881 provides the legal basis for gazetted and restricted holidays where Section 25 empowers state governments to declare additional holidays on local festivals. Central and state governments publish annual lists of these holidays online while banks follow specific schedules distinct from general public observances.
Financial institutions close accounts annually on the 1st of April which serves as a national bank holiday for account closing every year across all banking institutions. Banks observe holidays according to state rules plus every second and fourth Saturday of each month while schools and colleges set term holidays aligned with regional academic calendars.