ScanPilot
Start for free

Bank Statement Password: Every Indian Bank’s Format

Indian banks lock e-statement PDFs with a password built from your own details. Find your bank below for the exact format, then remove the password permanently with the free tool on this page.

Almost every Indian bank protects its emailed statement PDF with a password made from details you already have: your date of birth, customer ID, mobile number, or name. The catch is that every bank uses a different formula, and some use different formulas per channel. The table below is the short answer; each bank page has worked examples, credit card formats, and fixes when the password does not work.

BankStatement PDF password
SBIDepends on channel: last 5 of mobile + DOB in DDMMYY (app/email), first 5 of name in CAPITALS + DOB in DDMMYYYY (space-padded short names), or account number (net banking)
HDFC BankCustomer ID (some account and loan statements use first 4 letters of name in CAPITALS + date of birth in DDMM)
Federal BankFirst 4 letters of your name in CAPITALS + date of birth in DDMM
Axis BankFirst 4 letters of your name in CAPITALS + date of birth in DDMM (or + Customer ID)
ICICI BankFirst 4 letters of your name in lowercase + date of birth in DDMM
Bank of Baroda10-digit registered mobile number (or 9-digit Customer ID)
Kotak MahindraCRN (Customer Relationship Number)
Canara BankFull account number (or Customer ID / CIF); app and net banking downloads state their own format
Yes BankCustomer ID + date of birth in DDMMYYYY
Central Bank of IndiaDepends on channel; commonly last 4 of customer ID @ last 4 of mobile
PNBDate of birth in DDMMYYYY (or account number / customer ID)
Airtel Payments BankDate of birth in DDMMYYYY + 10-digit mobile number
IDBI BankCustomer ID
IndusInd BankDate of birth in DDMMYYYY
Bank of IndiaFirst 4 letters of your name in lowercase + date of birth in DDMM
Union Bank of India8 or 9 digit customer ID / account number (net banking, email); first 4 letters of name in CAPITALS + date of birth in DDMM (app downloads)
Indian BankYour full account number
South Indian BankFirst 4 letters of your name in lowercase + last 4 digits of account number
UCO BankRegistered mobile number (or date of birth in DDMMYYYY / Customer ID)
Karur Vysya BankCustomer ID (or date of birth in DDMMYYYY)
Karnataka BankFirst 4 letters of your name in CAPITALS + year of birth in YYYY (or date of birth in DDMMYYYY / Customer ID)
Equitas Small Finance BankDate of birth in DDMM + first 3 letters of name in CAPITALS (savings); PAN (current)
Bank of MaharashtraFirst 4 letters of your name in lowercase + date of birth in DDMM
Indian Overseas BankFirst 4 digits of Customer ID + last 4 digits of mobile number
Tamilnad Mercantile BankYour 4-digit app Digi-PIN

Remove the password permanently (free)

Drop the statement below and enter the password once. The unlocked copy opens everywhere without a prompt. Your statement is uploaded over an encrypted connection and handled securely.

Free, no signup No watermarks
Drop your locked bank statement here or click to select

    Why bank statements are password-protected

    E-statements travel by email, and email is not a secure channel. RBI guidelines push banks to encrypt anything with account data in it, so the PDF is locked with real encryption (usually AES-128 or AES-256) and the password is derived from details only the account holder should know. That is also why the password cannot be recovered or cracked if the formula does not work: the protection is genuine.

    The frustrating part is the inconsistency. HDFC uses your customer ID, ICICI uses your name in lowercase plus your birthday, SBI uses three different formulas depending on whether the PDF came from net banking, email, or the YONO app. If your bank's password "is not working", the most likely cause is that you are using another bank's formula, or the right formula for the wrong channel.

    Remove the password once instead of typing it forever

    Knowing the formula still means typing it every single time you open the statement, and a locked PDF cannot be previewed, indexed by search, or read by most other software, including accounting tools and loan portals that ask for an unlocked copy.

    The unlock tool on this page fixes that permanently: drop in the statement, enter the password once, and download a copy that opens instantly everywhere. Your statement is uploaded over an encrypted connection and handled securely. That matters precisely because this is a bank statement.

    Frequently asked questions

    What is the password of my bank statement PDF?

    It depends on the bank. Most Indian banks build it from your own details: HDFC uses your customer ID, ICICI uses the first 4 letters of your name in lowercase plus your date of birth in DDMM, SBI uses different formulas per channel. Find your bank in the table above for the exact format and a worked example.

    How do I remove the password from a bank statement PDF?

    Open the statement with the tool on this page, type the password you normally use, and download the unlocked copy. The password is removed permanently and the file opens on any device without a prompt. Your statement is handled securely.

    Can I open a bank statement without knowing the password?

    No. The PDF is genuinely encrypted, and no honest tool can bypass that. But the password is almost never something you have to remember: it is built from your date of birth, customer ID, name, or mobile number. Check your bank’s format above, and check the email the statement arrived with, which usually spells out the formula.

    Why does my bank ask for a password at all?

    Statements are sent by email, which is not a secure channel, so banks encrypt the PDF to protect your account data in transit. The password is derived from details only you should know.

    Is it safe to remove the password from my own statement?

    Yes, for your own files. The unlocked copy is only as private as wherever you store it, so treat it like any other financial document. The tool on this page never uploads the file or the password, which makes it safer for bank statements than server-based unlock services.

    Which date format does my bank use in the password?

    It varies, and it is the most common reason a password fails. DDMM is day and month only (5 January is 0501), DDMMYY adds a 2-digit year (050190), DDMMYYYY a 4-digit year (05011990). Leading zeros are always required. Each bank page above states which variant that bank uses.

    More bank statement password guides

    How to download your bank statementNet banking, app, SMS and WhatsApp routes for SBI, HDFC, ICICI, Axis, Canara, Kotak, PNB and Bank of Baroda. SBI statement passwordThe SBI bank statement password depends on where the PDF came from: last 5 digits of your mobile + date of birth in DDMMYY for app and email statements, account number for net banking, or your name + date of birth. HDFC Bank statement passwordThe HDFC bank statement password is not your date of birth. Federal Bank statement passwordThe Federal Bank statement password is the first 4 letters of your name in capitals plus your date of birth in DDMM, like VISH1210. Axis Bank statement passwordThe Axis Bank statement password is built from your name plus one more detail, and that detail differs between account statements, credit card statements and migrated Citi accounts. ICICI Bank statement passwordThe ICICI bank statement password is the first 4 letters of your name in lowercase plus your date of birth in DDMM, like suji0501. Bank of Baroda statement passwordThe password of a Bank of Baroda (BoB) statement PDF is usually your 10-digit registered mobile number, with your 9-digit Customer ID as a fallback. Kotak Mahindra Bank statement passwordThe Kotak Mahindra bank statement password is your CRN. Canara Bank statement passwordThe Canara Bank statement password is usually your full account number (11 to 12 digits); if that fails, your Customer ID (CIF) or date of birth. Yes Bank statement passwordThe Yes Bank statement password is your Customer ID followed by your date of birth in DDMMYYYY, 17 characters total. Central Bank of India statement passwordCentral Bank of India statement passwords differ by channel: Cent M-Passbook emails use last 4 of customer ID @ last 4 of mobile. Punjab National Bank statement passwordPunjab National Bank statement PDFs open with one of three passwords depending on how the statement was generated. Airtel Payments Bank statement passwordThe Airtel Payments Bank statement password is your date of birth in DDMMYYYY followed by your 10-digit mobile number, 18 digits total. IDBI Bank statement passwordThe IDBI bank statement password is your Customer ID, 8 to 11 digits entered as-is. IndusInd Bank statement passwordThe IndusInd bank statement password is your date of birth in DDMMYYYY, like 15081990. Bank of India statement passwordThe password of a Bank of India (BOI) statement PDF is the first 4 letters of your name in lowercase plus your date of birth in DDMM, like anan1606. Union Bank of India statement passwordThe Union Bank of India statement password is the first 4 letters of your name in CAPITALS plus your date of birth in DDMM (like RAHU0106) on app downloads, or an 8 to 9 digit customer/account number on net banking statements. Indian Bank statement passwordThe Indian Bank (indianbank. South Indian Bank statement passwordThe South Indian Bank statement password is the first 4 letters of your name in lowercase plus the last 4 digits of your account number, like anki0567. UCO Bank statement passwordThe UCO Bank statement password is usually your 10-digit registered mobile number; some PDFs use your date of birth in DDMMYYYY or your Customer ID. Karur Vysya Bank statement passwordThe Karur Vysya Bank (KVB) statement password is usually your Customer ID; some PDFs use your date of birth in DDMMYYYY. Karnataka Bank statement passwordThe Karnataka Bank statement password is the first 4 letters of your name in CAPITALS followed by your year of birth, like YASE1989. Equitas Small Finance Bank statement passwordThe Equitas Small Finance Bank statement password is your date of birth in DDMM plus the first 3 letters of your name in capitals, like 1403RAH, for savings accounts. Bank of Maharashtra statement passwordThe Bank of Maharashtra (BOM) statement password is the first 4 letters of your name in lowercase plus your date of birth in DDMM, like raju0110. Indian Overseas Bank statement passwordThe Indian Overseas Bank (IOB) statement password is the first 4 digits of your Customer ID plus the last 4 digits of your mobile number, like 12349876. Tamilnad Mercantile Bank statement passwordThe Tamilnad Mercantile Bank (TMB) statement PDF password is the 4-digit Digi-PIN you set for the TMB app. Unlock PDF – Remove PDF PasswordThe standalone password remover for any protected PDF, not just bank statements.
    ScanPilot

    Need this statement in Excel?

    ScanPilot converts bank statements into clean Excel files: dates, descriptions, debits, credits, and running balances extracted automatically, even from scanned pages.

    Bank statement converter