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Official business hours are from 9.30am to 5.30pm Monday to Friday, but many offices open later and close earlier. Government offices may also open on certain Saturdays (usually the first, second and fourth of the month). Most offices have an official lunch hour from around 1pm. Shops generally open around 10am and stay open until 6pm or later; some close on Sunday. Note that curfews apply in some areas, notably Kashmir and the northeast. Airline offices generally keep to standard business hours Monday to Saturday. Banks are open from 10am to 2pm on weekdays (till 4pm in some areas), and from 10am to noon (or 1pm) on Saturday. Exact branch hours vary from town to town so check locally. Foreign-exchange offices open longer seven days per week. Main post offices are open from 10am to 5pm on weekdays, and till noon on Saturday. Some larger post offices have a full day on Saturday and a half-day on Sunday. Restaurant opening hours vary regionally – you can rely on most places to be open from around 8am to 10pm. Exceptions are noted in the regional chapters.