Traveller's cheques can be cashed on any working day during public dealing hours. However, be sure to reach early in the day as cashing ceases half an hour before closing time. Most national banks are closed on September 30 and March 31 for the half-year and annual closing. Most national banks still don't offer the advantages of tele and net banking though all the foreign banks in India do so. Most 3 to 5 star hotels, restaurants and stores accept Citibank and Amex credit cards.
Bazaars generally close according to the part of the city they are located in.
Sunday is the traditional holiday otherwise. Get a list of holidays from the Department of Tourism. Clicking photographs of places of military importance, railway stations, bridges, airports, military installations, tribal areas and sensitive border regions is strictly prohibited. Many temples, monasteries and mosques too fight shy of being photographed -usually spot a sign to that effect. On the other hand, certain temples, palaces, tombs not only allow photographs to be taken but actually expect a minimum charge.