The State Bank of Pakistan has announced that it will remain closed on Thursday, December 25, 2025, in observance of Quaid-e-Azam Day and Christmas, in line with the public holiday declared by the Government of Pakistan. The decision was communicated through a circular notification issued by the central bank’s Banking Policy and Regulations Department. All offices of the SBP across the country will observe the holiday, with normal operations resuming on the next working day.
The annual holiday marks two significant occasions in Pakistan’s national and social calendar. Quaid-e-Azam Day commemorates the birth anniversary of Muhammad Ali Jinnah, the founder of Pakistan, whose leadership and vision played a decisive role in the creation of the country. The day is observed nationwide through official ceremonies, educational activities, and public events highlighting his contributions to constitutionalism, governance, and the rule of law. The same date is also observed as Christmas, a major religious festival for Pakistan’s Christian community, reflecting the country’s recognition of religious diversity and inclusivity.
The SBP’s closure will also apply to its related departments and functions that operate directly under the central bank’s administrative framework. While commercial banks typically follow the public holiday schedule announced by the government and endorsed by the SBP, customers are advised to check with their respective banks regarding branch operations, especially for services that may vary by institution or region.
Despite the physical closure of SBP offices, digital banking channels are expected to remain operational. Electronic funds transfers, mobile banking applications, internet banking platforms, and automated teller machines are generally not affected by public holidays. However, transactions requiring central bank settlement or manual processing may be completed on the following business day. Businesses and individuals with time-sensitive payments, regulatory submissions, or interbank transactions are therefore encouraged to plan accordingly.
The announcement comes at a time when Pakistan’s banking sector is increasingly reliant on digital infrastructure. Over the past few years, the SBP has promoted electronic payments, instant transfer systems, and financial digitisation to reduce dependence on physical banking channels. Public holidays such as December 25 underline the growing importance of uninterrupted digital services in maintaining financial activity even when offices are closed.
From a regulatory perspective, the SBP regularly issues circulars to ensure uniformity and clarity across the financial system. Such notifications help banks, financial institutions, and market participants align their operational calendars with national holidays, avoiding confusion and ensuring compliance with statutory requirements.
The closure also reflects the broader governance framework under which the SBP operates, adhering to federal government directives while maintaining its role as the country’s central monetary authority. As Pakistan continues to modernise its financial ecosystem, clear communication around operational schedules remains essential for market confidence and institutional coordination.
With December 25 approaching, both businesses and consumers are expected to factor in the holiday when planning financial transactions. The SBP’s timely notification provides clarity and allows the banking sector to adjust workflows, ensuring a smooth transition back to normal operations after the holiday.
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