Unlock Bank Statement PDF
Remove the password from any Indian bank statement PDF. Free, private, runs in your browser — your file never leaves your device. Scroll down for password formats for all major banks.
Know Which Bank? Use the Dedicated Tool
For India’s three largest banks, we have dedicated tools that auto-build the password from your details — no manual formula needed:
For all other banks — Axis, Kotak, Yes Bank, Federal, IndusInd, IDFC First, PNB, BoB, Canara, and more — use the tool above with the manual password entry and consult the format guide below.
Bank Statement PDF Password Formats — Quick Reference
The table below covers all major Indian banks not covered by the dedicated tools. Find your bank, compute the password manually, and enter it in the unlock tool above.
| Bank | Password format | Worked example |
|---|---|---|
| Axis Bank | First 4 letters of name (UPPERCASE) + DDMM of DOB | ANIT0510 |
| Kotak Mahindra Bank | CRN (Customer Relationship No.) + DDMMYYYY of DOB | 12345615081990 |
| Yes Bank | Customer ID + DDMMYYYY of DOB | 98765415081990 |
| Federal Bank | First 4 letters of name (UPPERCASE) + DDMM of DOB | RAJE0518 |
| IndusInd Bank | DOB as DDMMYYYY | 15081990 |
| IDFC First Bank | DOB as DDMMYYYY | 15081990 |
| RBL Bank | First 4 letters of name (UPPERCASE) + DDMM of DOB | RAJE0518 |
| South Indian Bank | DOB as DDMMYYYY | 15081990 |
| Karnataka Bank | DOB as DDMMYYYY | 15081990 |
| PNB (Punjab National) | Account number or CIF number (varies by branch) | 12345678901234 |
| Bank of Baroda | Account number (varies by branch and statement type) | 12345678901234 |
| Canara Bank | Account number or customer ID (varies) | 1234567890 |
| Union Bank of India | Account number | 12345678901 |
| Bank of India | Account number | 12345678901 |
What to Do When No Format Works
If none of the formats in the table produce the correct password, work through this checklist before contacting the bank:
- Using the wrong date format — try DDMMYYYY, then DDMMYY, then DDMM
- Using account number instead of customer/CIF number (or vice versa)
- Wrong case — some banks use UPPERCASE, others lowercase (ICICI is lowercase)
- Statement is from a specific period when the bank used a different format
- Re-read the delivery email: Many banks state the password or hint in the statement email body or PDF header.
- Try the alternate date format: If DDMMYYYY fails, try DDMMYY (6-digit) or MMDDYYYY (US format — used by some private banks).
- Try just the account number: For PSU banks (PNB, BoB, Canara, Union), the 12- or 14-digit account number is often the password.
- Try just the DOB: DDMMYYYY is the universal fallback used by IndusInd, IDFC First, and many smaller cooperative banks.
- Call customer care: All major Indian banks have 24×7 helplines that can confirm the statement password format for your account type.
- Visit a branch: A branch manager can confirm the PDF password format in under 5 minutes, especially for older or customised formats.
Common Use Cases for Unlocked Bank Statements
- Loan applications: Home loans, LAP, personal loans, and business loans require the last 3–6 months of statements in an openable PDF format
- Visa applications: Schengen, USA, Canada, UK, and Australian visa portals require bank statements that can be opened by the embassy officer
- KYC for investments: Mutual fund platforms, demat accounts, and lending apps require bank statements as part of their KYC workflow
- Rental agreements: Landlords and property managers often request unlocked bank statements as income proof
- ITR and CA filing: Chartered accountants and tax software need readable statements for income computation and deduction matching
Why Bank Statement PDFs Are Password-Protected
Indian banks encrypt statement PDFs before emailing them because a bank statement is among the most sensitive documents an individual holds. It contains your account number, full transaction history (6–12 months), running balance, and registered address. If an email is accidentally forwarded or intercepted, the password prevents the recipient from opening the file without knowing your personal details.
This practice is mandated by RBI guidelines on digital financial document security and is followed by virtually every scheduled commercial bank in India. The password scheme uses personal identifiers (Customer ID, DOB, account number) that only the account holder should know.
Is It Safe to Use This Tool?
Yes. All processing is entirely client-side — your bank statement PDF and the password you enter are processed inside your browser’s JavaScript engine. Nothing is sent to any server at any point. You can confirm this by opening DevTools (F12 → Network tab) while using the tool — you will see zero outbound requests. The tool uses Mozilla’s PDF.js and pdf-lib, both open-source and widely audited.
How to use this tool
- Look up your bank's password format in the table below or check the original delivery email.
- Upload your bank statement PDF using the drop zone above.
- Enter the password in the field. The field accepts all characters including @, -, and spaces.
- Click Unlock & Download. Your password-free PDF downloads instantly to your device.
Frequently asked questions
What is the password for an Indian bank statement PDF?
It varies by bank. For HDFC, ICICI, and SBI, use the dedicated tools on this site (linked above) which auto-build the password. For other banks: Axis and Federal use Name (4 uppercase) + DDMM; Kotak uses CRN + DDMMYYYY; IndusInd and IDFC use DOB as DDMMYYYY; PNB and BoB typically use account number.
I don't know which format my bank uses. What should I try first?
Try DOB as DDMMYYYY (8 digits) first — this is the default for IndusInd, IDFC First, South Indian Bank, Karnataka Bank, and many cooperative banks. If that fails, try your account number. Also check the original statement email body — many banks mention the password there.
Can I unlock a bank statement without knowing the password?
No. This tool requires the correct password to decrypt the file. It does not brute-force or crack encrypted PDFs. You must find or compute the correct password first.
Does the unlocked PDF look identical to the original?
Yes, visually. Each page is rendered at high quality (2x resolution) and embedded in a new PDF. Transactions, amounts, and all content look identical. Note that text is not copy-pasteable in the output — it is rendered as a high-quality image.
My bank's password includes a special character like @ or -. Will the tool handle it?
Yes. The password field accepts all characters. SBI YONO email passwords include @ (e.g. 1805@6789), Infosys payslips include dashes — the tool handles all of these correctly.
Is it legal to unlock my own bank statement PDF?
Yes. Removing the password from your own bank statement for legitimate use — submitting to a lender, tax authority, visa application, or your CA — is entirely legal and a normal part of financial document handling.
Does this tool work for credit card statements too?
Yes. Enter the credit card statement password (varies by bank — use our dedicated tools for HDFC/ICICI/SBI credit cards, or check the bank-pdf-password-format guide for others) and the tool decrypts it identically.
What happens if I enter the wrong password?
The tool shows an error message. Your PDF is not modified or corrupted — simply enter the correct password and try again.