What Is Tally XML Format for Bank Statements?
Tally uses XML (eXtensible Markup Language) as its native data exchange format. There are two contexts where "Tally XML" comes up for bank statements:
1. Tally Native XML (Gateway of Tally)
Tally's XML import via the Gateway of Tally (port 9000) uses an XML envelope format like this:
<ENVELOPE>
<HEADER>
<TALLYREQUEST>Import Data</TALLYREQUEST>
</HEADER>
<BODY>
<IMPORTDATA>
<REQUESTDESC>
<REPORTNAME>Vouchers</REPORTNAME>
</REQUESTDESC>
<REQUESTDATA>
<TALLYMESSAGE>
<VOUCHER VCHTYPE="Receipt" ACTION="Create">
<DATE>20260428</DATE>
<NARRATION>NEFT-AXIS-RAHUL SHARMA</NARRATION>
<AMOUNT>-45000</AMOUNT>
</VOUCHER>
</TALLYMESSAGE>
</REQUESTDATA>
</IMPORTDATA>
</BODY>
</ENVELOPE>
This method requires developer setup and Tally Gateway access. Used for ERP integrations.
2. Tally Bank Reconciliation CSV (What Most Accountants Need)
For routine bank reconciliation, Tally ERP 9 and Tally Prime can import a structured CSV file with these five columns:
Date,Narration,Debit,Credit,Balance
28-04-2026,NEFT-AXIS-RAHUL SHARMA,,45000.00,123456.78
29-04-2026,UPI/PAYTM/9876543210,12500.00,,110956.78
30-04-2026,SALARY CREDIT ABC LTD,,150000.00,260956.78
01-05-2026,ELECTRICITY BILL PAYMENT,8500.00,,252456.78
This is what our converter produces — no developer needed, import directly via Tally's bank reconciliation feature.
How to Convert Bank Statement PDF to Tally XML — 3 Steps
1
Upload PDF
Upload bank statement PDF from HDFC, SBI, ICICI, Axis or any Indian bank
2
Download Tally CSV
Get Date, Narration, Debit, Credit, Balance CSV — Tally-import-ready
3
Import in Tally
Banking → Bank Reconciliation → Alt+O → select CSV → done
Step-by-Step Import Guide: Bank Statement to Tally XML
1
Get your bank statement PDFLogin to your bank's net banking (HDFC NetBanking, SBI YONO, ICICI Internet Banking, Axis Mobile Banking) and download the PDF statement for your required date range. For GST filing, download the full quarter; for monthly reconciliation, download by month.
2
Convert at bankstatementengine.comUpload the PDF. If password-protected (common for HDFC Bank, ICICI, Axis statements), enter the password when prompted. Our AI engine identifies your bank automatically, extracts all transactions, and formats them for Tally.
3
Download Tally CSVClick "Download Tally" to get the CSV file with five columns in exactly the format Tally expects: Date in DD-MM-YYYY, Narration, Debit, Credit, Balance.
4
Import into Tally ERP 9Open Tally ERP 9 → Select your company → Gateway of Tally → Banking → Bank Reconciliation → Select the bank account ledger → Press Alt+O (Import from bank) → Select your CSV → Map columns → Press Alt+A to import.
5
Import into Tally PrimeOpen Tally Prime → Select company → Go To → Banking → Bank Reconciliation → Select bank account → Click Import → Choose CSV file → Map Date, Narration, Debit, Credit, Balance → Click Import.
6
Reconcile transactionsAfter import, Tally shows bank statement lines alongside your ledger entries. Match them to mark transactions as reconciled. Unmatched entries appear in red — investigate, add any missing vouchers in Tally, then complete the reconciliation.
Which Indian Banks Are Supported?
HDFC Bank
SBI
ICICI Bank
Axis Bank
Kotak Mahindra
PNB
Bank of Baroda
Canara Bank
Union Bank
Bank of India
Central Bank
Indian Bank
IndusInd Bank
Yes Bank
RBL Bank
IDFC First
Federal Bank
Bandhan Bank
UCO Bank
Bank of Maharashtra
Tally XML vs Tally CSV Import — Which Should You Use?
| Feature | Tally XML (Gateway) | Tally CSV (Bank Reconciliation) |
|---|
| Who uses it | Developers, IT teams | Accountants, CA firms |
| Setup required | Developer + Tally Gateway | None — built into Tally |
| File format | XML with TALLYMESSAGE tags | CSV with 5 columns |
| Creates vouchers | Yes, automatically | No — for reconciliation only |
| Difficulty | Advanced | Beginner-friendly |
| Our converter output | — | ✅ Yes, Tally CSV format |
Geo Coverage: Tally XML in India and Beyond
India — Primary Market
Tally ERP is used by over 2 million businesses across India. CA firms in Mumbai, Delhi NCR, Bengaluru, Hyderabad, Chennai, Pune, Ahmedabad, Kolkata and other cities process bank statement PDFs from all Indian banks for their clients' monthly reconciliation and GST filing. Our bank statement to Tally XML converter eliminates data entry and ensures 100% accuracy.
UAE — Indian Diaspora Businesses
A large number of Indian-owned businesses in Dubai, Abu Dhabi, Sharjah, and other UAE cities run Tally for their accounting. These businesses receive statements from Emirates NBD, First Abu Dhabi Bank (FAB), Mashreq Bank, RAK Bank, and ADIB — all of which are supported by our converter.
Singapore, Malaysia, and East Africa
Indian businesses in Singapore (DBS, OCBC, UOB), Malaysia (Maybank, CIMB, Public Bank), Kenya (Equity Bank, KCB), and Tanzania also use Tally ERP. Our converter handles statements from all these banks, producing the same Tally-compatible CSV format regardless of geography.
Frequently Asked Questions
What is Tally XML format for bank statements?
Tally XML is the native data exchange format for Tally ERP. For bank statement import, most accountants use Tally's bank reconciliation CSV import (Date-Narration-Debit-Credit-Balance format), which is simpler than the developer-oriented Gateway XML format. Our converter produces the CSV format that works directly with Tally's bank reconciliation feature.
How do I convert an HDFC bank statement to Tally XML?
Download your HDFC statement PDF → upload it here → enter password if prompted → click "Download Tally" → open Tally → Banking → Bank Reconciliation → select HDFC ledger → Alt+O → select the CSV → import. Done in under 2 minutes.
Does Tally XML import work for SBI statements?
Yes. SBI statements — including long multi-page corporate statements — are fully supported. Our converter handles all SBI PDF formats, including statements with UPI/IMPS/RTGS/NEFT transaction references in the narration field.
What columns does Tally XML bank import need?
Five columns: Date (DD-MM-YYYY), Narration, Debit (withdrawal, blank if credit), Credit (deposit, blank if debit), Balance. Our Tally CSV download provides exactly these five in the correct format.
Can I use this for Tally Prime as well as Tally ERP 9?
Yes. The CSV format we produce is identical for both Tally ERP 9 and Tally Prime. Tally Prime's bank reconciliation import (Go To → Banking → Bank Reconciliation → Import) accepts the same column structure as Tally ERP 9.
Related Tally & Accounting Tools
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