All Bank Statement PDF Password Guide – Unlock it Easily

One of easemoney’s users, Rahul, runs a small shop and urgently needed his Bank of India statement to apply for a personal loan. When he downloaded the statement PDF, it was locked with a password. He made multiple attempts but failed, so, he asked for help.

That was when we shared our guide. Within minutes, he unlocked his statement, completed his loan application, and received funds.

If you are also stuck with locked bank statements, this guide will help you unlock your statements from all banks in India.

Understanding Banks E-statements

In today’s times, e-statements have replaced traditional paper bank statements. It is an eco-friendly, cheap, and secure option to access your banking information like deposits, transactions, withdrawals, and personal data anywhere just using your smartphone.

As per the RBI rules and regulations, All banks must offer electronic statements as part of their digital banking facility.

These PDF statements are sent to the account holders via email and downloaded from net banking portals to protect and faster access.

What is a Bank e-statement PDF Password?

Password protection on bank e-statements is a major security feature that is applied by banks to protect the sensitive data of clients and banks.

When you receive your bank statement by email or you download it via bank Internet banking or mobile banking, it comes locked with a unique password format.

Digital banking security guidelines by the RBI require banks to secure customer statements with encryption to prevent unauthorized access. Hence, these PDF statements become password-protected as per RBI’s cyber security norms.

What Information Do They Contain?

Your bank statement contains:

1. Payments History – Deposit, withdrawal, and transfer transactions.
2. Account Summary – Available balance, interest earned, and bank charges.
3. Personal Information: Name, address, and contact details.
4. Bank’s Particulars – IFSC code, branch name, and account number.
5. Security Protection – Encryption with a password for safety.
6. Compliance with RBI Regulations – Ensuring data privacy and security.
7. Loan & EMI Details: If applicable, details of active loans.
8. Statement Period: The duration covered by the statement.

Though password protection may feel awkward, it is one of the important security measures against fraud and identity theft.

Why do Banks Use Passwords?

• RBI Rules – As I already said, Banks must follow RBI’s digital security guidelines.
• Keeps Your Data Safe – Only you can open it.
• Prevents Fraud – Stops hackers from misusing your info.
• Unknown access – Even if someone gets your PDF, they can’t open it.
• Email Security – Emails are not fully secure; passwords add protection.

Bank Statement PDF Passwords – Complete List

Find your bank’s PDF password format in the table below:

#	Bank Name with article links	Password Format
1	Indian Bank	Your full-digit bank account number is your password.
2	PNB (Punjab National Bank)	Your complete Account number OR you can use Your 9-digit Customer ID as a password
3	AU Small Finance Bank	8-digit Customer ID (CIF Number)
4	IDBI Bank	Customer ID (CIF Number)
5	Union Bank	First Four letters of your Name (UPPERCASE) + Date of Birth in DDMM Format
6	Canara Bank	Customer ID (CIF number)
7	Karur Vysya Bank	Your customer ID
8	IndusInd Bank	first 4 letters of your name + Date of Birth in DDMM format
9	Central Bank of India	Customer ID + @ + DDMMYYYY
10	Bank of India	15-digit account number
11	Bank of Baroda	9-digit BOB Customer ID
12	Equitas Bank	Date of Birth in DDMM format + three letters in (UPPERCASE) of your first name
13	Yes Bank	9-digit Customer ID + your Date of Birth in DDMMYYYY Format
14	Bank of Maharashtra	First four characters of your name (small letters) + Your DOB in DDMM Format
15	UCO Bank	10 digits of your registered mobile Number
16	ICICI Bank	12-digit account number
17	Kotak Mahindra Bank	Your Account CRN
18	South Indian Bank	4 letter of your name + Last 4 digit of your account number
19	Federal Bank	First four letters name + DOB in DDMM format
20	HDFC Bank	Customer ID
21	SBI Bank	last five digits mobile number + DDMMYY
22	Axis Bank	Name + Customer ID
23	Airtel Payments Bank	DDMMYYYYMobileNumber

Credit Card Statement PDF Passwords – Complete List

Credit card e-statements also have passwords. Find your bank’s credit card PDF password format below:

Bank Name with article links	Password Format
BOB Credit Card	first four uppercase letters of your name + DDMM format
IDBI Credit Card	First four letters of Your Name in capital letters printed on the card + DDMM of your date of birth.
RBL Credit Card	Your Name + DDMMYY format DOB.
ICICI Credit Card	First four letters of your name + DDMM format
Yes Bank Credit Card	Your Name + DOB
SBI Credit Card	DOB + Last 4 digits of your card
Kotak Credit Card	CRN + DOB
HDFC Credit Card	NAME + DOB
Axis Credit Card	NAME + LAST 4 CARD NUMBER
PNB Credit Card	Name + DDMMYYYY

How to Open a Bank Statement PDF?

Follow these steps:

1. Identify Your Bank’s Password Format– Different banks have unique formats (listed above).
2. Carefully Enter Passwords– Enter the correct uppercase/lowercase letters.
3. Make Sure to Read PDF Supported by Compatible PDF Reader- Open the PDF in Adobe Acrobat, Chrome, or Microsoft Edge.
4. Recheck Credentials if Incorrect– Make sure the right customer ID, date of birth, or account number according to your bank’s password format is used.

Tip for you: Your bank usually tells you the password format in the email or message where they sent the PDF.

How to Remove Password from a Bank Statement PDF?

If you find it problematic while entering a password to open your e-statement every time, you can remove your password with these simple steps –

1. Open the Bank Statement using the correct password.
2. Click ‘Print’ (Shortcut: Ctrl + P in Windows, Cmd + P in Mac).
3. Select ‘Print to PDF’ as the printer.
4. Click ‘Save’ – This will create a new PDF without a password.

This method works in Google Chrome, Brave, Microsoft Edge, and Adobe Acrobat.

How to Download Your Bank E-statement as a PDF?

Follow these steps to download your e-statement securely:

1. Log into your bank’s net banking portal using your username and password.
2. In the account overview section, go to Statements or E-Statements.
3. Select the date range required for the statement.
4. Choose download as a PDF.
5. Click Download PDF will be on your device.
6. Enter the required password to unlock the file.

Case Study – My Own Experience

While applying for a credit card, I wanted a statement from the Bank of Baroda. I made many attempts but it did not work. Then, I called up customer care, but they were real not of much help. Later, I found the latest password format. That is when I understood how confusing this can get for others, which led me to come up with this guide.

FAQs

Please bookmark this page for future reference and share it with anyone struggling to unlock their bank statement PDF! Also, comment down below if you want to add another bank to this list. However, we are continually adding more banks and credit card providers to the list.

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