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.
| Bank | Statement PDF password |
|---|---|
| SBI | Depends on channel: account number (net banking), last 5 digits of mobile + DOB in DDMMYY (email), DDMM@last 4 of mobile (YONO) |
| HDFC Bank | Customer ID |
| Federal Bank | First 4 letters of your name in CAPITALS + date of birth in DDMM |
| ICICI Bank | First 4 letters of your name in lowercase + date of birth in DDMM |
| Kotak Mahindra | CRN (Customer Relationship Number) |
| Canara Bank | Customer ID (CIF number) |
| Yes Bank | Customer ID + date of birth in DDMMYYYY |
| Central Bank of India | Depends on channel; commonly last 4 of customer ID @ last 4 of mobile |
| PNB | Date of birth in DDMMYYYY (or account number / customer ID) |
| Airtel Payments Bank | Date of birth in DDMMYYYY + 10-digit mobile number |
| IDBI Bank | Customer ID |
| IndusInd Bank | Date of birth in DDMMYYYY |
Remove the password permanently (free)
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. Decryption runs entirely in your browser, so neither the file nor the password is uploaded to any server. 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. Everything runs locally in your browser, so the statement is never uploaded.
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.