Unlock any password-protected bank statement PDF and convert it to Excel or CSV instantly. Works with HDFC, SBI, ICICI, Axis, Kotak and every Indian bank. No software, no signup.
If you have ever downloaded your bank statement only to find Adobe Reader (or any PDF viewer) asking for a password, you are not alone. Every major Indian bank — and many international ones — encrypts statement PDFs with a password before sending them to customers. This is a deliberate security feature, not a mistake.
The reasoning is straightforward: bank statements contain highly sensitive financial information. Account numbers, transaction amounts, merchant names, salary figures, investment transfers, loan repayments — all of this data would be extremely valuable to identity thieves, fraudsters, or even just nosy individuals with access to your email account. If your email is compromised, your bank statements are too — unless they are password-protected.
Banks use a password scheme that is easy for the account holder to remember but impossible for a stranger to guess without personal knowledge. The passwords are typically derived from information like your date of birth, mobile number, or customer ID — things you know, but a hacker intercepting your email would not.
The PDF encryption standard used by most banks is 128-bit or 256-bit AES (Advanced Encryption Standard), the same encryption used for sensitive government documents. Without the correct password, the PDF is mathematically impossible to read — even for the most powerful computers.
Bank Statement Engine accepts password-protected bank statement PDFs. When you upload your locked PDF, you will be prompted to enter the password. We decrypt it securely in memory, convert all transactions to Excel or CSV, and then permanently delete both the original and converted files after 24 hours.
PDF encryption works at the file level using a symmetric encryption algorithm. When the bank generates your statement PDF, their system encrypts the entire document using your personal details as the encryption key (the password). The encrypted file is then attached to your email or made available for download.
When you — or our converter — provide the correct password, the PDF library decrypts the document in memory and makes the text content accessible. The password is not stored anywhere inside the encrypted file; it is purely a key used to unlock the encryption algorithm.
There are two common types of PDF password protection that banks use:
Our tool handles both types. For user-password-protected PDFs, you enter the password in our interface and we use it to decrypt the document. For owner-password-protected PDFs (which open freely but restrict copying), our extraction engine bypasses the restrictions during the legitimate conversion process.
Here is a comprehensive guide to the PDF password for every major Indian bank's statement. Bookmark this page — it is the most complete reference available.
Formula: Last 4 digits of your registered mobile number
Example: If your mobile number is 98765 43210, the password is 3210
Alternative: Some HDFC statements use the last 4 digits of your Customer ID. If the mobile number digits don't work, try your Customer ID. Your Customer ID appears at the top of any HDFC bank statement or letter.
Note: HDFC NetBanking-downloaded statements use this same password. Statements received via email also use this formula.
Formula: First 8 characters of Customer ID (uppercase) + Date of birth DDMMYYYY
Example: If your Customer ID is SBIXXXXX and DOB is 01/01/1985, the password is SBIXXXXX01011985
Note: SBI emails statements monthly to the registered email address. The Customer ID is the 11-character alphanumeric ID visible in your SBI passbook and on the statement header. Take only the first 8 characters.
Alternative formula used by some SBI branches: Customer ID (11 chars) without the DOB component. Try this if the primary formula doesn't work.
Formula: First 4 characters of your name (uppercase) + Last 4 digits of your account number
Example: If your name is Rahul Sharma and account ends in 4567, the password is RAHU4567
Note: Use your first name only for the 4-character prefix. The account number last 4 digits are the digits visible on your ICICI debit card and printed on the statement.
For ICICI Credit Card statements: The password is typically your date of birth in DDMMYYYY format.
Formula: First 4 digits of your date of birth (DDMM) followed by the last 4 digits of your registered mobile number
Example: If your DOB is 15 March 1990 and mobile ends in 7890, the password is 15037890
Alternative formula: Some Axis Bank accounts use only the date of birth in DDMMYYYY format as the password.
Note: Axis Bank also offers password-free statement download in Excel format directly from their Internet Banking portal — log in, go to Accounts → Account Statement → Download Excel.
Formula: Date of birth in DDMMYYYY format
Example: If your DOB is 25 December 1988, the password is 25121988
Note: Kotak's password scheme is one of the simplest — purely DOB-based. This applies to both savings and current account statements.
Formula: First 4 letters of your name in CAPS + Date of birth in DDMM format
Example: If your name is Ramesh Kumar and DOB is 12 January, the password is RAME0112
Note: Use your name as it appears in Canara Bank's records. The DDMM component is only the day and month — not the year. This is one of the shorter passwords used by public sector banks.
Formula: Date of birth in DDMMYYYY format
Example: DOB 10 February 1975 = password 10021975
Note: BOB World app-downloaded statements and email statements both use this formula. Some BOB accounts additionally require the last 4 digits of the account number appended.
Formula: Customer ID + Date of birth DDMMYYYY
Example: Customer ID 12345678 with DOB 05/06/1992 = 1234567805061992
Note: PNB's Customer ID is an 8-digit numeric ID found on your PNB passbook cover. For some PNB account types, the password is solely the account number.
Formula: Date of birth in DDMMYYYY format
Example: DOB 20 March 1980 = password 20031980
Note: Union Bank merged with Andhra Bank and Corporation Bank in 2020. Former Andhra Bank and Corporation Bank account holders should try the same DOB formula.
Formula: Date of birth in DDMMYYYY format
Example: DOB 08 August 1993 = password 08081993
Note: IndusInd Bank also offers direct Excel download from their internet banking portal. Log in → Accounts → Account Statement → select format → Download Excel.
Formula: Date of birth in DDMMYYYY format
Example: DOB 17 November 1986 = password 17111986
Note: Yes Bank sent statements in PDF format. Following its restructuring, Yes Bank maintains the same PDF password formula for its retail customers.
Formula: Date of birth in DDMMYYYY format
Example: DOB 30 September 1991 = password 30091991
Note: Federal Bank is headquartered in Kerala and has a strong presence in South India. Their PDF statement password follows the standard DOB formula.
Get the password-protected PDF from your bank's net banking portal or email
Look up your bank's password formula above and work out your specific password
Drag and drop your locked PDF or click the upload area to select it
When prompted, type your PDF password. We decrypt it securely in memory
Your unlocked, converted statement downloads immediately as .xlsx or .csv
This is the most important question we get asked, and you deserve a thorough answer. Here is exactly what happens to your data when you use our bank statement password remover tool:
All file uploads use HTTPS (TLS 1.3 encryption), the same security standard used by your online bank. Your PDF file is encrypted during transmission and cannot be intercepted by a third party. The lock icon in your browser's address bar confirms this connection is secure.
Your PDF password is transmitted securely to our conversion server and used only to decrypt the document in memory. It is never written to disk, never logged, and never stored in any database. Once the PDF is decrypted and converted, the password is discarded from memory. This is the same approach used by professional financial data processors.
Your uploaded PDF and the converted Excel/CSV file are stored on our servers only for 24 hours after conversion. This window exists to ensure your download link remains accessible. After 24 hours, both files are automatically and permanently deleted. There is no manual deletion process — deletion is automatic and guaranteed.
We do not analyse, read, or store the contents of your bank statement. Our conversion process is entirely automated — software reads the PDF structure and extracts transaction data, but no human ever sees your financial information. We have no database of customer transactions and we never will.
Your bank statement data is never shared with any third party — not advertisers, not analytics providers, not data brokers, not anyone. The only analytics data we collect is anonymised usage statistics (which page you visited, which format you downloaded) used solely to improve the product.
Before tools like ours existed, dealing with password-protected bank statement PDFs was tedious. Here is how our approach compares to the alternatives people typically resort to:
| Method | Time Required | Accuracy | Cost | Requires Software | Gets Excel Output |
|---|---|---|---|---|---|
| Bank Statement Engine | 30 seconds | 100% automated | Free | No | Yes |
| Adobe Acrobat Pro (manual) | 5–10 mins | Manual copy-paste errors | $24.99/month | Yes | No (manual) |
| Print → scan → OCR | 15–30 mins | OCR errors common | Printer cost | Yes | Partially |
| Manual data entry | 1–3 hours | Human error risk | Time cost | No | Yes (manual) |
| PDF password remover software | 5–15 mins | May fail encrypted files | $20–$50 | Yes | No (still PDF) |
| Ask bank for Excel statement | Hours/days | Good | Free | No | Sometimes |
Removing the password is only the first step. Once your bank statement PDF is unlocked, our converter extracts all transaction data and organises it into a clean, structured spreadsheet. Here is what the converted file contains:
The resulting Excel file requires no cleaning or formatting. Every cell contains the correct data type — dates as dates, amounts as numbers — so you can start using Excel formulas, filters, and pivot tables immediately after download.
If you receive a "wrong password" error, try the alternative password formula for your bank. Common alternatives: try the full date of birth (DDMMYYYY) instead of partial, or try lowercase instead of uppercase for name-based passwords. Also check if there is a space in your customer ID that should be removed.
If you have forgotten which personal details the bank used to generate your password, contact your bank's customer service. They cannot give you the password directly (it is generated from your profile data), but they can confirm which details were used and whether your registered mobile number or date of birth on record matches what you have.
This usually means the PDF is a scanned image rather than a digital text PDF. Our OCR engine will attempt to read the text from the scanned image. Processing time will be longer (15–45 seconds) and accuracy depends on the scan quality. For best results, download a fresh digital statement from your bank's net banking portal rather than using a scanned copy.
Banks occasionally change their password generation formula. Older statements may use a formula that differs from the current one. For statements older than 2–3 years, try variations: different date formats (DDMMYYYY vs MMDDYYYY vs YYYYMMDD), different mobile number segments, or the full account number.