Convert Kotak Mahindra Bank statement PDFs to clean, structured Excel files instantly. Supports Kotak 811 digital accounts, savings, current, salary, NRI, and Privy League accounts. Password-protected PDFs handled automatically. No signup, completely free.
05081988. If DOB doesn't work, try your full account number. The converter will prompt you to enter the password during upload.
Open netbanking.kotak.com and enter your Customer ID and password
Go to Accounts → Account Statement and select your account
Select start and end dates (maximum 1 year per download)
Select PDF format and click Download — password is your DOB in DDMMYYYY
Open the Kotak Mobile Banking app → tap Accounts at the bottom tab bar → select the account you need → tap Statement → choose the period → tap Download as PDF. The file saves to your device's Downloads folder or shares via your phone's share sheet. The password is the same: DOB in DDMMYYYY format.
Kotak 811 is Kotak's fully digital zero-balance savings account, opened entirely through the mobile app using just PAN and Aadhaar (no branch visit required). 811 account statements are downloaded the same way — from the Kotak Mobile Banking or 811 app:
Open app → tap your 811 account → tap E-Statement or Statement → select date range → Download PDF. The password is your date of birth in DDMMYYYY format.
Kotak 811 was India's first fully digital bank account. While the statement PDF format is the same as a standard Kotak savings account, 811 account holders typically see different transaction patterns:
| Feature | Kotak 811 Digital Account | Kotak Standard Savings |
|---|---|---|
| Minimum Balance | Zero balance — no penalty charges on statement | Monthly minimum balance charges if average falls below threshold |
| Debit Card Transactions | Virtual debit card (online only) unless physical card requested | Physical debit card — POS and ATM withdrawals appear on statement |
| Statement Access | Mobile app only (e-statement) | Net Banking + Mobile app |
| Interest Rate | Same savings interest rate as standard account | Standard savings rate |
Kotak Bank statement descriptions follow consistent patterns. Knowing these helps you filter and categorize transactions in Excel:
Example: UPI-Rahul Kumar-rahul@okaxis-UTIB0000123-426783921
For credits: money received via UPI. For debits: money sent via UPI.
Example: NEFT/CR/HDFC2607024891234/ACME CORP LTD/HDFC0001234
The UTR number is useful for tracing a specific transfer with your bank if there is a dispute.
| Column | Example | Notes |
|---|---|---|
| transaction_date | 2025-06-15 | ISO 8601 format (YYYY-MM-DD) |
| value_date | 2025-06-15 | Value date for fund availability (may differ for NEFT/RTGS) |
| description | UPI-Priya Sharma-priya@okicici-ICIC0001234-412938746 | Full narration verbatim from the statement |
| debit | 5000.00 | Amount debited (blank if credit transaction) |
| credit | — | Amount credited (blank if debit transaction) |
| balance | 87450.00 | Closing balance after the transaction |
Income Tax Return filing requires a detailed transaction record for the financial year (April to March). Convert quarterly or annual Kotak statements to Excel. Your Chartered Accountant can use the Excel file to identify salary income, interest income (savings account interest is taxable), dividend credits, and deductible expenses. The balance-verified Excel output saves significant manual data entry time.
Many Kotak customers link their Kotak Mahindra Bank account to their Kotak Securities demat account. On the bank statement, securities transactions appear as NEFT/IMPS credits (from selling shares) or debits (for buying shares via NACH mandate). Convert to Excel and filter by "KOTAK SECURITIES" or "KOTAK MAHI" in the description to isolate these transactions — useful for reconciling capital gains with your Kotak Securities contract notes.
Banks, NBFCs, and housing finance companies require 3–12 months of bank statements for home loans, personal loans, and business loans. Kotak's own lending products (Kotak Home Loans, Kotak Personal Loans) as well as third-party lenders require clean PDF or Excel statements. The Excel output from our converter satisfies the Excel requirement; always submit the original PDF as the primary document.
Businesses using Kotak current accounts for GST-registered operations can convert PDF statements to Excel and cross-reference credits with GST returns to verify turnover figures and identify missing invoices. Use the pivot table feature in Excel to group transactions by month for comparison with GSTR-1 and GSTR-3B.