Banking in Himachal Pradesh runs on a different rhythm. Distance, altitude, weather, and daylight all shape how branches function. Himachal Pradesh Gramin Bank (HPGB) is headquartered in Mandi and sponsored by Punjab National Bank (PNB). It serves everyone from urban customers in Shimla and Solan to remote communities in Lahaul–Spiti and Kinnaur, where daylight hours matter as much as policy.
Because of this mix, HPGB follows disciplined timings with a few practical nuances in 2026. Knowing them helps you plan one clean visit instead of a tiring second trip.
Himachal Pradesh Gramin Bank Opening Time
For customers, public transactions officially start at 10:00 AM.
In 2026, many urban branches (such as Shimla, Solan, and Mandi) begin staff operations at 9:30 AM. This doesn’t mean transactions start early—but it does help.
What this means for you
- Public transaction window: 10:00 AM onwards
- Smart tip: Reach by 9:45 AM to get a token early and be first in line when counters go live.
Best time to visit: 10:00 AM to 11:30 AM, when systems are fresh and queues are manageable.
Himachal Pradesh Gramin Bank Closing Time (2026)
HPGB has extended its official closing time to 5:00 PM for general operations.
That said, hill realities apply. Many branches—especially in higher altitudes—begin securing premises and syncing data well before evening fog or cold sets in.
Practical guidance
- Official closing: 5:00 PM
- Best practice: Finish your work by 4:00 PM
- Safe entry time: By 3:30–3:45 PM
Public entry late in the day may be restricted even if staff are still inside.
Himachal Pradesh Gramin Bank Cash Transaction Timings
Cash handling remains tightly controlled.
- Cash deposit & withdrawal: 10:00 AM to 3:30 PM
Even with a 5:00 PM close, cash counters usually stop at 3:30 PM to allow reconciliation and secure handling—critical in hilly terrain.
If you need cash: Arrive before 3:00 PM.
Himachal Pradesh Gramin Bank Lunch Time Practice
Branches do not shut down completely for lunch, but service slows during a predictable window.
- Common slowdown: 1:30 PM to 2:30 PM
During this period:
- Fewer counters may be active
- Some officers may be unavailable
- Loan or account-opening work slows
Essential enquiries and basic cash support usually continue. For speed, aim for late morning.
Himachal Pradesh Gramin Bank Working Days & Saturday Timings
- Monday to Friday: Customer services during normal banking hours
- Saturday:
- Closed on 2nd and 4th Saturdays
- Open on 1st, 3rd, and 5th Saturdays with regular timings
- Sunday: Closed
Branches also observe national and state-specific holidays, which can vary due to weather and local administration.
ATM and Digital Banking Availability
When travel is tough, digital helps:
- HPGB ATMs: 24×7 (subject to cash availability)
- Mobile & internet banking: Balance checks, transfers, and basic requests anytime
Plan with Daylight in Mind
In Himachal Pradesh, the clock matters but daylight matters more. Think 9:45 AM arrival, 10:00 AM transactions, 3:30 PM cash deadline, and wrap up by 4:00 PM, even though branches officially close at 5:00 PM.
Plan around that rhythm, and Himachal Pradesh Gramin Bank becomes predictable, efficient, and far easier—especially when every trip involves hills.
