September 21, 2025

Hold on, dear customers! India’s biggest banks—State Bank of India (SBI), HDFC Bank, and Kotak Mahindra Bank—are all set for some tinkering with their systems on September 21, 2025. This means certain services will take a short nap and might not be available for a while. Let’s break down this bank shutdown saga! SBI kicks off the maintenance party starting at 12:15 AM until 1:00 AM IST. During this cool-down period, SBI’s popular UPI services will take a little break. But don’t sweat it! SBI’s UPI Lite, a faster and pinless payment option for small payments below Rs 1,000, will keep humming along smoothly. SBI’s own message on X says, “Due to scheduled maintenance activity, SBI UPI services will be temporarily unavailable from 00:15 hrs to 01:00 hrs on 21.09.2025 (IST). Customers may continue to use UPI Lite Services for uninterrupted service.” So, small payments? Go for UPI Lite and stay worry-free! Now, let’s zoom into HDFC Bank’s downtime dance. From 1 AM to 5:30 AM IST, expect multiple services to be on hold. Mutual Fund transactions, RTGS money moves, TPT registration, IPIN regeneration, debit card services, and more will be temporarily unavailable. This downtime stretches on HDFC’s net banking and mobile app, so better organize those money moves before midnight! Kotak Mahindra Bank also joins the club with a maintenance window from 1:30 AM to 2:30 AM IST. During this one-hour break, some services won’t be accessible via their systems, as the bank confirmed in its official tweet. All three banks warn—and rightly so—that customers should plan ahead. "Use alternative channels," they advise, urging everyone to avoid last-minute rushes and transaction troubles. What’s UPI Lite anyway? It’s a cool payment method designed by NPCI to make small payments up to Rs 1,000 quicker and without asking for a PIN. You can do transactions up to Rs 10,000 a day and keep a maximum balance of Rs 5,000 in UPI Lite. So, perfect for their quick pocket-money spends during SBI’s UPI break! So, folks, mark your calendars! Take care of your important transactions before these hours of digital snoozing. Remember, a little planning today saves a lot of bank headaches tomorrow. Stay savvy, stay alert!

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Tags: Bank maintenance, Sbi, Hdfc bank, Kotak mahindra bank, Upi, Rtgs,