For a state which has a lot of people passing through, Goa has nearly two weeks of holidays each year. Government offices have a five-day week (closed Saturday-Sunday). Panjim closes early (around 8PM) each evening, and shops here could have a fairly longish siesta break (from around 1.30PM till up to 3.30PM). Goan shop owners take this siesta break seriously, and no business is conducted during this time. Bars, restaurants and other shopping centers are more buyer-friendly.
Major public or special holidays are around Christmas, Republic Day, Id-ul-zuha, GudiPadva, Good Friday, Independence Day, Ganesh Chaturthi (both days), Gandhi Jayanthi, Dussehra, Diwali, Id-ul-fitr, Feast of St Francis Xavier, Goa Liberation Day, Mahashivratri, Holi and Id-e-milad. Banks may remain open during local religious celebrations.
Expect a huge influx of tourists and locals residing in other states during festivals like Ganesh Chaturthi and the Carnival, which is celebrated at the beginning of Lent in the Christian calendar. It is advised to make bookings for trains, buses and flights well in advance if you intend on visiting the state during these times.