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The Master List: All Bank Statement PDF Password Formats in India

Struggling to open your downloaded e-statement? We have compiled the most comprehensive, continually updated directory of PDF unlock passwords for every Public, Private, Payments, and Small Finance bank in India.

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ASN Team
• 12 min read • Verified Data
Evergreen master list of bank statement PDF password formats for all public and private banks in India

In an era where digital banking is the norm, receiving your monthly or annual account summary via email is highly convenient. However, to comply with strict RBI (Reserve Bank of India) guidelines regarding data privacy, every financial institution encrypts these documents. This encryption means you need a specific bank statement PDF password format to access your own money's footprint.

Because every bank uses a different algorithm—some use your Customer Information File (CIF) number, others use a combination of your PAN card, Date of Birth (DOB), or mobile number—it can become incredibly frustrating to remember the exact syntax. Is the name in uppercase? Do I include the year of birth? Do I use the "+91" prefix?

This master guide on ASN Tricks solves that problem permanently. We have cataloged the exact password combinations for over 40 Indian banks, categorized by sector.

Free PDF Utilities for Your Statements

Once you unlock your bank statement, you might need to process it for CA submissions, loan applications, or visas. Use our 100% free, secure, client-side tools (your data never leaves your browser):

Directory of Banks

1. Public Sector Banks (PSBs)

Public Sector Banks (government-owned banks) handle the vast majority of salary and pension accounts in India. Due to massive customer bases, their PDF statement password logic is usually kept straightforward, relying heavily on account numbers or mobile numbers.

State Bank of India (SBI)

The largest bank in India utilizes a purely numeric approach for its e-statements.

Password Format: The 11-digit or 9-digit Bank Account Number.

Example: 30123456789
Official SBI Portal

Punjab National Bank (PNB)

Similar to SBI, PNB relies on the unique account identifier.

Password Format: Your complete 16-digit Bank Account Number.

Example: 1234567890123456
Official PNB Portal

Bank of Baroda (BoB)

Bank of Baroda has transitioned through a few formats. Currently, they use two distinct types depending on the generation system.

Password Format 1: Your registered Mobile Number (excluding the +91 country code).

Password Format 2: First 4 letters of your first name in UPPERCASE + Date and Month of Birth (DDMM).

Example 1: 9876543210
Example 2: RAHU1508 (For Rahul born on 15th August)
Official BoB Portal

Canara Bank

Password Format: Your Customer ID (CIF Number). This is usually a 9-digit number found on your passbook.

Example: 123456789
Official Canara Bank Portal

Union Bank of India

Password Format: First 4 letters of your name in UPPERCASE followed by your Date and Month of Birth (DDMM).

Example: AMIT2410 (For Amit born on Oct 24)
Official Union Bank Portal

Other Public Sector Banks

  • Bank of India (BOI): Your complete Account Number. (Site)
  • Indian Bank: Your complete Account Number. (Site)
  • Central Bank of India: Customer ID (CIF) + @ + Full Date of Birth (DDMMYYYY). Example: 123456789@01011990. (Site)
  • UCO Bank: Your registered Mobile Number. (Site)
  • Indian Overseas Bank (IOB): First 4 digits of CIF + Last 4 digits of Mobile Number. (Site)
  • Bank of Maharashtra: First 4 letters of name (lowercase) + DDMM. Example: anil1508. (Site)
  • Punjab & Sind Bank: First 4 letters of name (uppercase) + Last 4 digits of Account Number. (Site)

2. Private Sector Banks

Private banks generally utilize slightly more complex cryptographic formats to secure high-net-worth client accounts. You will frequently see combinations of names, DOBs, and Customer IDs here.

HDFC Bank

Password Format: Your unique Customer ID. This is the exact same ID you use to log into HDFC NetBanking.

Example: 123456789
Official HDFC Portal

ICICI Bank

Password Format: First 4 letters of your first name in lower case + Date and Month of Birth (DDMM). If your name is less than 4 letters, use your full name followed by the DOB.

Example: neha0511 (For Neha born on Nov 5)
Official ICICI Portal

Axis Bank

Password Format: First 4 letters of your registered name in UPPERCASE + Last 4 digits of your Axis Bank Account Number.

Example: VIKA7890 (For Vikas, A/C ending in 7890)
Official Axis Portal

Kotak Mahindra Bank

Password Format: Your 9-digit CRN Number (Customer Relationship Number). You can find this at the bottom of your Kotak debit card.

Example: 123456789

Tip: SMS "CRN" to 9971056767 from your registered mobile to get it instantly.

Official Kotak Portal

Yes Bank

Password Format: Customer ID + Full Date of Birth (DDMMYYYY).

Example: 12345601011990
Official Yes Bank Portal

Other Private Banks

  • IndusInd Bank: First 4 letters of name (UPPERCASE) + DDMM. (Site)
  • IDFC First Bank: Your full Date of Birth in DDMMYYYY format. (Site)
  • Bandhan Bank: First 4 letters of name (lowercase) + DDMMYYYY. (Site)
  • Federal Bank: First 4 letters of name (UPPERCASE) + DDMM. (Site)
  • South Indian Bank: First 4 letters of name (lowercase) + Last 4 digits of Account Number. (Site)
  • Karur Vysya Bank (KVB): Your Customer ID. (Site)
  • City Union Bank (CUB): Your Customer ID. (Site)
  • RBL Bank: First 4 letters of name (UPPERCASE) + DDMMYYYY. (Site)
  • IDBI Bank: Customer ID. (Site)
  • Jammu & Kashmir (J&K) Bank: First 4 letters of name (UPPERCASE) + DDMMYYYY. (Site)
  • Karnataka Bank: Customer ID. (Site)

3. Payments, Small Finance & Foreign Banks

With the rise of neo-banking and specialized finance sectors in India, here are the formats for modern digital-first and international banks.

Payments Banks

  • Paytm Payments Bank: First 4 letters of name (lowercase) + DDMMYYYY.
  • Airtel Payments Bank: Your Date of Birth (DDMMYYYY).
  • India Post Payments Bank (IPPB): First 4 letters of name (UPPERCASE) + DDMMYY.

Small Finance Banks (SFB)

  • Equitas SFB: First 4 letters of name (UPPERCASE) + DDMMYYYY.
  • AU Small Finance Bank: Customer ID.
  • Ujjivan SFB: Customer ID.
  • ESAF SFB: First 4 letters of name (UPPERCASE) + DDMMYYYY.

Foreign Banks

  • Standard Chartered: Custom password set during e-statement registration, OR Date of Birth (DDMMYYYY).
  • CitiBank India: First 4 letters of name (lowercase) + DDMMYYYY.
  • HSBC India: First 4 letters of name (UPPERCASE) + DDMMYY.
  • DBS Bank: Your PAN Card number (all caps).

How to Guess Missing or Mismatched Passwords

If you have tried the combinations above and your PDF still refuses to unlock, do not panic. Banks occasionally update their cryptographic logic or base it on data that was misspelled during your account opening. Try these systematic guessing patterns:

  1. The PAN Card Check: Many premium accounts default to your 10-character alphanumeric PAN Card number. Try it in both UPPERCASE and lowercase.
  2. The Name Length Issue: If the rule states "First 4 letters of your name" but your name is only 3 letters long (e.g., RAM), use your full name followed by the rest of the required data (e.g., RAM1508).
  3. Special Characters: Check if your bank requires a special character like @ or # between the name and the date (e.g., Central Bank of India uses @).
  4. Joint Accounts: For joint accounts, the password logic usually applies strictly to the Primary Account Holder's details.

Frequently Asked Questions (FAQs)

Banks use 128-bit or 256-bit AES encryption to protect your sensitive financial data (like balances, account numbers, and transaction histories) from identity theft, hacking, and unauthorized access in case your email is compromised.
Yes! Once you know the password, you can permanently unlock it. You can open the file in Google Chrome, select "Print," and choose "Save as PDF." This creates an unencrypted copy. Alternatively, you can use online PDF utility tools to strip the encryption layer.
Your CIF (Customer Information File) or CRN (Customer Relationship Number) is usually printed on the first page of your physical passbook, stamped on your cheque book, printed on your debit card, or can be located within the "Profile" section of your mobile banking app.

Disclaimer: The password formats mentioned in this article are based on publicly available data, banking guidelines, and historical patterns as of 2025. Financial institutions reserve the right to change their cryptographic policies at any time. ASN Tricks does not encourage unauthorized access. For official account recovery assistance, please utilize the external links provided to visit your bank’s official website.

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ASN Team

The ASN Tech Team consists of web developers and tech enthusiasts dedicated to simplifying your digital life. We build free online tools and publish expert guides to help you navigate software, security, and web utilities safely.

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