Working with Excel Calendar for IF, DATE &/or WORKDAY Functions

[excelgor]

Hello everyone, I would like to seek assistance in something that I couldn't figure out no matter how I tried.

The background of the idea is to keep track of a Loan repayment for example:
Let's say today is 23/7/2022. 3 months after, my Loan interest supposed to be due on the 22/10/2022, and I am supposed to pay on the 23rd of every 3 months (i.e. 23/10/2022, 23/1/2023, etc.). As 22/10/2022 falls on a weekend, I should be paying the loan on the 24/10/2022 instead. But due to this special case, 24/10/2022 is a Public Holiday here, so my actual payment date is on the 25/10/2022. I will be paying my next one on the 23/1/2022 without fail. I would like to know of 1 formula that can work for all to detect for Public Holidays that fall on a supposing workday that is detected in excel. Am I able to do that without manually writing the dates of Public Holiday, but via Excel system like how Excel can track Year/Month and determine if they are weekends or weekdays.

This is a more detailed example:
Start date: 23/7/2022
Next payment date 1: 25/10/2022
Next payment date 2: 23/1/2023
Next payment date 3: 24/4/2023
Next payment date 4: 24/7/2023
Next payment date 5: 23/10/2023
etc.etc.

What I wanted is to get the data of the dates in payment based on my start date through a standardised formula that work for all as the list goes on.

Thank you very much for the help in advance if anyone can help me solve this problem.

[WideBoyDixon]

With 23/7/2022 in B1, national holidays listed in E1:10 then this in B2:

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See attached.

WBD