/ Guides Indian bank passwords
Indian bank statement passwords, checked bank by bank
Your statement PDF is locked and you need the password. Here is every rule a bank publishes itself, plus the ones we tested on real statements, with an example for each.
Short answer
It depends on the bank, and often on how you got the statement. HDFC: your numeric Customer ID. SBI: one of four, starting with your registered mobile’s last 5 digits plus your birth date as DDMMYY for emailed statements. Kotak: the first four letters of your name in lowercase plus DDMM, or your CRN. PNB: your account number or customer ID. Bank of Baroda: the first four letters of your name in lowercase plus DDMM, or your 9-digit customer ID. IDBI: your customer ID alone. IDFC FIRST: one of your date of birth (DDMMYYYY), your PAN or your customer ID. Yes Bank: usually your 7-digit customer ID plus DDMMYYYY. IndusInd, Union Bank and Federal Bank: the first four letters of your name in capitals plus DDMM. ICICI and Axis publish rules too, with gaps we point out. Each rule says whether it comes from the bank or from our own test on a real statement.
- Banks with a rule
- 13
- Banks checked
- 15
- From the bank
- 5
- Tested by us
- 8
Every rule, side by side
Find your bank, then the line that matches how the statement reached you. The bank’s name opens its own page, where the password is drawn box by box and you can work out yours.
| Bank | Your statement | Password | Example |
|---|---|---|---|
| HDFC | Downloaded from NetBanking or the HDFC Bank app | Your numeric Customer ID. The same number you use as your NetBanking User ID. | 12345678 |
| SBI | Statement that arrived by email | The last 5 digits of your registered mobile number, then your date of birth as DDMMYY. | 54678150890 |
| Downloaded from Net Banking or the YONO app | Your 11-digit account number, with nothing added in front of it. | 12345678901 | |
| YONO statement sent to your email | Your date of birth as DDMM, then the @ sign, then the last 4 digits of your mobile number. | 0404@8984 | |
| Statement asked for by SMS (ESTMT) | The 4-digit code you chose yourself when you sent the SMS. | 2468 | |
| ICICI | Credit card e-statement (ICICI’s FAQ page) | The first four letters of your name as printed on your credit card, in lowercase, then your date and month of birth as DDMM. | priy0503 |
| Credit card statement PDF (ICICI’s credit card blog) | The last 4 digits of your credit card number. | 4321 | |
| Axis | E-statement (Axis’s help page) | Four letters of your name in CAPITALS, as it appears on your account statement (ignore spaces and full stops), and four digits of your date of birth. | — |
| E-statement, the alternative password | Four letters of your name in CAPITALS, as it appears on your account statement (ignore spaces and full stops), and the nine digits of your Customer ID. | — | |
| Kotak | Statement emailed by Kotak: option 1 | The first four letters of your name in lowercase, then your date of birth as DDMM.Tested by us | priy0503 |
| Statement emailed by Kotak: option 2 | Your CRN, the number you log in to Kotak Net Banking with.Tested by us | 123456789 | |
| PNB | Statement emailed by PNB: account number | Your account number, exactly as PNB prints it.Tested by us | 1234567890 |
| Statement emailed by PNB: customer ID | Your PNB customer ID.Tested by us | 123456789 | |
| Bank of Baroda | Statement emailed by Bank of Baroda: option 1 | The first four letters of your name in lowercase, then your date of birth as DDMM: 8 characters in all.Tested by us | priy0503 |
| Statement emailed by Bank of Baroda: option 2 | Your 9-digit customer ID.Tested by us | 123456789 | |
| IDBI | Statement emailed by IDBI | Your IDBI customer ID, and nothing else.Tested by us | 12345678 |
| IndusInd | Statement emailed by IndusInd | The first four letters of your name in CAPITALS, then your date of birth as DDMM.Tested by us | PRIY0503 |
| IDFC FIRST | Statement emailed by IDFC FIRST: date of birth | Your date of birth as DDMMYYYY.Tested by us | 05031990 |
| Statement emailed by IDFC FIRST: PAN | Your PAN, exactly as on your PAN card. It is case sensitive.Tested by us | ABCDE1234F | |
| Statement emailed by IDFC FIRST: customer ID | Your IDFC FIRST customer ID.Tested by us | 12345678 | |
| Yes Bank | Statement emailed by Yes Bank: usually | Your 7-digit customer ID, then your date of birth as DDMMYYYY.Tested by us | 123456705031990 |
| Statement emailed by Yes Bank: sometimes | Your date of birth alone, as DDMMYYYY.Tested by us | 05031990 | |
| Statement emailed by Yes Bank: sometimes | Your 7-digit customer ID alone.Tested by us | 1234567 | |
| Union Bank | Statement emailed by Union Bank | The first four letters of your name in CAPITALS, then your date of birth as DDMM.Tested by us | PRIY0503 |
| Federal | Account statement from FedMobile | The first four letters of your name (or your firm’s name) in CAPITALS, then your date of birth (or the firm’s date of incorporation) as DDMM. | ANUT1009 |
SBI’s and Federal Bank’s examples are the banks’ own. The others are made up, to show the shape. Axis gives no example and its wording isn’t exact enough to make one, so it shows a dash. Rules marked “Tested by us” aren’t published by the bank: we opened a real statement the bank emailed with them, in October 2026. A statement downloaded from net banking or an app may use a different password.
Pick your bank
HDFC Bank
Your numeric Customer ID. The same number you use as your NetBanking User ID.
State Bank of India
The last 5 digits of your registered mobile number, then your date of birth as DDMMYY.
ICICI Bank
The first four letters of your name as printed on your credit card, in lowercase, then your date and month of birth as DDMM.
Axis Bank
Four letters of your name in CAPITALS, as it appears on your account statement (ignore spaces and full stops), and four digits of your date of birth.
Kotak Mahindra Bank
The first four letters of your name in lowercase, then your date of birth as DDMM.
Punjab National Bank
Your account number, exactly as PNB prints it.
Bank of Baroda
The first four letters of your name in lowercase, then your date of birth as DDMM: 8 characters in all.
IDBI Bank
Your IDBI customer ID, and nothing else.
IndusInd Bank
The first four letters of your name in CAPITALS, then your date of birth as DDMM.
IDFC FIRST Bank
Your date of birth as DDMMYYYY.
Yes Bank
Your 7-digit customer ID, then your date of birth as DDMMYYYY.
Union Bank of India
The first four letters of your name in CAPITALS, then your date of birth as DDMM.
Federal Bank
The first four letters of your name (or your firm’s name) in CAPITALS, then your date of birth (or the firm’s date of incorporation) as DDMM.
Banks that don’t publish their password
We looked on each of these banks’ own websites and official support accounts on 6 October 2026. They say the statement is locked, or explain how to download it, but not what the password is, or not all of it. Other websites list rules for them; those rules don’t come from the banks, so we don’t repeat them.
- Central Bank of India. Its support account on X gave the password for M-Passbook email statements as the last 4 digits of your customer ID, then @, then the last 4 digits of your registered mobile number. The same reply goes on to the mobile app’s rule in a second part we can’t read without an X login, so we haven’t made a page yet. The page we checked
- Canara Bank. We found nothing on Canara Bank’s own site about a statement PDF password.
If your bank is here, the bank is the only answer you can trust: ask through its app, its website or your branch. The converter below opens the file once you have the password.
Open it and convert it, right here
Drop the locked PDF in the box and type the password when it asks. The statement opens inside this browser tab and comes out as Excel or CSV (or, with a free account, as a file for Tally), with every row checked against the statement’s own balances.
The PDF and the password stay on your device. Nothing is uploaded, and you can check that yourself.
How we checked
- The bank, or a real statement. A rule goes on this page only if the bank says it on its own website or from its verified support account on X, or if we opened a real statement from that bank with it ourselves. Finance blogs, loan apps and other converters aren’t sources, however often they repeat a rule.
- In the bank’s words. Where a bank is vague, we keep it vague. Axis says “four letters of your name”, not “the first four”, so that is what we show.
- Gaps stay gaps. ICICI’s current site gives no rule for account statements, so we don’t give one. When a bank says two different things, as ICICI does for credit cards, we show both.
- Dated. Bank sources were read on 6 October 2026; the Kotak, PNB, Bank of Baroda, IDBI, IndusInd, IDFC FIRST, Yes Bank and Union Bank rules were tested on real statements by 7 October 2026. Banks change their rules; if one here no longer works, please tell us and we’ll check it again.
Questions
Why is my bank statement PDF locked?
Banks lock statement PDFs so that only the account holder can read them if the file is forwarded, left in an inbox or downloaded on a shared computer. HDFC Bank, for one, says its password-protected PDFs keep your financial data secure.
Can you open my statement without the password?
No. We can’t, and we wouldn’t. The password is the only thing that opens the PDF. If none of the rules here works, the bank can tell you the right one.
Is it safe to type my statement password into this page?
The converter and the “Work out yours” boxes run inside your browser tab. The password is used there to open the file and is never saved or sent, and the statement itself is never uploaded.
Will the Excel file I get also need a password?
No. The password opens the statement in your browser; the Excel or CSV file you download is a normal file with no password. Keep it somewhere safe, since it holds the same details as the statement.
Why isn’t my bank listed?
Because the bank doesn’t publish its rule and we haven’t had a real statement from it to test. Plenty of websites list rules for every bank, but if we can’t check a rule, we don’t print it: a wrong one wastes your time. We add banks when they publish, or when we can test one.
Sources
Read on 6 October 2026. Software changes its menus often; if a step here no longer matches what you see, please tell us at hello@safebankstatementconverter.com and we will fix it.
- HDFC Bank: How to View and Download your Account Statement via NetBanking (18 Jun 2026)
- HDFC Bank: How to View and Download Your Account Statement on the HDFC Bank App (18 Jun 2026)
- HDFC Bank: NetBanking, Find your Customer ID
- SBI Cares (@OfficialSBICare, SBI’s verified support account on X), 31 Jan 2026
- SBI: Quick missed call and SMS banking (e-statement for the last 6 months)
- ICICI Bank: Credit Card FAQs (“How do I open my Credit Card e-statement?”)
- ICICI Bank: How to Check, View & Download ICICI Bank Credit Card Statement Online
- Axis Bank support: How do I open an estatement (Cards › Credit Cards › Statements)
- Axis Bank support: How do I view or download my statements (Bank Accounts › Savings › Statements)
- Safe Bank Statement Converter: tested by our founder on a real Kotak statement emailed by the bank, October 2026
- Kotak Mahindra Bank: How to Login to Kotak Net Banking (finding your CRN)
- Safe Bank Statement Converter: tested by our founder on a real PNB statement emailed by the bank, October 2026
- Safe Bank Statement Converter: tested by our founder on a real Bank of Baroda statement emailed by the bank, October 2026
- Bank of Baroda: Get Bank of Baroda E-Statement (28 Aug 2023)
- Safe Bank Statement Converter: tested by our founder on a real IDBI Bank statement emailed by the bank, October 2026
- IDBI Bank: Alternate channels services (statements by email)
- Safe Bank Statement Converter: tested by our founder on a real IndusInd Bank statement emailed by the bank, October 2026
- Safe Bank Statement Converter: tested by our founder on real IDFC FIRST Bank statements emailed by the bank, October 2026
- Safe Bank Statement Converter: tested by our founder on real Yes Bank statements emailed by the bank, October 2026
- Yes Bank: YES ONLINE internet banking FAQs (PDF)
- Safe Bank Statement Converter: tested by our founder on a real Union Bank statement emailed by the bank, October 2026
- Union Bank of India (@UnionBankTweets) on X: downloading a statement in VYOM
- Federal Bank: How to Download Federal Bank Account Statement
- Central Bank of India: the page we checked
→ Keep going
Related guides and converters.
Guides
- SBI statement passwordFour formats, depending on how you got the statement.
- HDFC statement passwordYour numeric Customer ID, and where to find it.
- ICICI statement passwordICICI’s two credit card rules, in its own words.
- Axis statement passwordName letters plus birth date, or plus your Customer ID.
- Kotak statement passwordName letters plus birth date, or your CRN, tested on a real statement.
- PNB statement passwordYour account number or your customer ID, tested on a real statement.
- Bank of Baroda statement passwordName letters plus birth date, or your customer ID, tested on a real statement.
- IDBI statement passwordYour customer ID, nothing else, tested on a real statement.
- IndusInd statement passwordFour capital letters and your birth date, tested on a real statement.
- IDFC FIRST statement passwordDate of birth, PAN or customer ID: always one of the three.
- Yes Bank statement passwordCustomer ID plus DDMMYYYY, or one of the two alone.
- Union Bank statement passwordFour capital letters and your birth date, tested on a real statement.
- Federal Bank statement passwordFour capital letters and your birth date, with Federal Bank’s example.
- All guides