Instantly convert your IDBI Bank statement to clean Excel or CSV. Handles IDBI's unique name-prefix password formula — free, unlimited, no signup.
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Convert to Excel Free →Unlike most Indian banks that use only date of birth as the PDF password, IDBI Bank combines your name with your DOB. This trips up many users — here's the exact formula:
IDBI Bank (Industrial Development Bank of India) is India's only bank majority-owned by a life insurer. LIC acquired a 51% stake in 2019, crossing the threshold that caused RBI to reclassify IDBI from a private bank to a public sector bank. LIC has since diluted to ~49.24% but remains the dominant stakeholder.
| Shareholder | Stake |
|---|---|
| LIC of India | 49.24% |
| Government of India | 45.48% |
| Public / Other | 5.28% |
Because of LIC's ownership, policyholders with LIC plans may also be IDBI Bank customers — both institutions share branches and some service infrastructure. IDBI's statement format and account numbering follows a distinct structure inherited from its development bank origins.
IDBI statements use structured narration codes that identify transaction type. Here's a reference:
| Narration Prefix | Meaning | Example |
|---|---|---|
| BY TRANSFER | Fund transfer credit | BY TRANSFER-NEFT/RTGS inward |
| TO TRANSFER | Fund transfer debit | TO TRANSFER-UPI/IMPS outward |
| UPI | UPI transaction | UPI-[App]-[UPI ID]-[Ref] |
| ATW | ATM withdrawal | ATW/[Date]/[ATM Location] |
| CHQ | Cheque clearance | CHQ/[Cheque No]/[Clearing Date] |
| INT PD | Interest paid/credited | INT PD/QTRLY/[Period] |
| ECS DR | ECS/NACH debit | ECS DR/[Company]/[Mandate Ref] |
| IMPS | IMPS transfer | IMPS/[Ref No]/[Sender Name] |
Download April–March statement, convert to Excel, use interest credit entries (INT PD) for Schedule OS income under ITR-1 or ITR-2. NRI accounts: FCNR interest may be exempt under DTAA.
Lenders typically require 6-month bank statement in Excel. IDBI's clean statement format converts well — salary credits show as BY TRANSFER/NEFT, making income verification easy.
Current account holders: convert monthly statements to Excel and reconcile against Tally or busy accounting. ECS DR entries map to recurring vendor payments; CHQ entries to cheque register.
Many student visa applications require 6-month statement showing adequate funds. Convert IDBI statement to Excel or PDF → Excel → re-export to clean tabular format for documentation.
First 4 letters of your name (UPPERCASE) + date of birth in DDMMYYYY format. Example: RAJE15081985 for Rajesh born 15 Aug 1985. This is unique to IDBI — most other Indian banks use only DOB.
After LIC acquired 49.24% stake in 2019, RBI reclassified IDBI as a public sector bank. The government (through LIC + direct stake) controls over 94% of the bank, making it effectively government-owned despite its private bank origins.
IDBI Net Banking allows downloading statements up to 10 years from account opening. For older statements beyond what Net Banking shows, visit your home branch and request a physical/certified statement.
Yes. IDBI GO Mobile+ supports statement download for up to 12 months in PDF format. The app also has a mini statement showing the last 5–10 transactions without a date range selection.
Yes. If you've set up auto-debit for LIC premiums from your IDBI account, they appear as ECS DR entries with LIC as the company name. These can be extracted in Excel to track premium payment history for tax deduction under Section 80C.