I always fuel my car at an Indian Oil Petrol station in Gurgaon using my Kotak IndianOil credit card. After a month, I wanted to check my monthly gas expenses using this card, so I opened my inbox to get the kotak credit card statement, but I could not access my PDF file due to the password protection. Does it sound familiar to you?
If you have faced something like this, this guide is for you. Hi, I am Nanne Parmar, a Google Scholar Personal Finance Author, and I’m here to help you with the correct password format.
In this post, I will walk you through everything you need to know to open your Kotak credit card e-statement PDF in 2025.
Then, let’s begin –
What is the Kotak Bank e-Statement?
Kotak Mahindra Bank is one of india’s leading credit card providers, it holds around 6% of the total credit card market share. According to data from RBI and CardInsider, Kotak Bank distributed around 60 lakh credit cards till February 2024. it happening due to their digital products such as e-statement.
But what exactly is an e-statement?
A Kotak credit card e-statement is a digital version of your credit card account transactions that arrives monthly in your email inbox. It’s not just a transaction history PDF file— it’s your:
- Credit card payment bill summary
- Spending tracker
- Payment due reminder
If you need a physical copy, Kotak Bank also offers a traditional physical statement option. You can visit any Kotak branch and request a duplicate credit card statement. In most cases, charges may be waived by the bank.
How to activate Kotak credit card e-Statement Monthly
Somehow, If you are not receiving your statement emails from the bank, you might not have activated the Kotak e-statement service. Let me give you the steps to update your email and activate it via the Kotak Mobile Banking App. Don’t worry, it is free of charge. Here are the steps to follow –
- First, download the Kotak Bank app from Google Play or the App Store.
- For first-time users, log in using your CRN and the OTP sent to your registered mobile number.
- Set a 6-digit MPIN for quick access.
- On the dashboard, in the bottom options, select ‘Service Request. ’
- Go to Profile → Update Email ID.
- Enter the new email → Validate with OTP → Confirm.
You will start receiving your monthly statements within 1 hour of updating.
Now, move to the next and important part. After receiving the statement emails, you need to unlock it using the correct password format set by Kotak Mahindra Bank for security purposes.
Steps to Open Kotak Credit Card Statement PDF
Once you receive the email, follow these simple steps to access your statement every month:
Step 1: Download the Statement
Open your inbox, search for “Kotak Credit Card Statement PDF (Month name)”, open the email, scroll down to the end of it, and click Save PDF.
Step 2: Open the PDF
To access your statement, you will need a PDF reader. As per the Bank emails, Kotak Mahindra Bank suggests using the latest version of Adobe Acrobat Reader. However, you can use Foxit Reader, Default Google PDF Viewer, and more.
Step 3: Understand and Enter the Correct Password
To unlock the Credit card e-statement PDF, Kotak Bank use the new password format as the first 4 letters of your name on the credit card (in lowercase) + Your Date and Month of birth in DDMM format.
Let me share a simple example:
- Name on card: RAJEEV BHARGAV
- Date of birth: 01-Dec-1978
- Password: raje0112
Please note:
- Always use only the first 4 letters of the name as printed on the card. Check your card first while entering.
- All characters must be in lowercase.
- Also, ignore spaces, dots, symbols, or special characters, but they count in the character limit.
Alternately, you can use your full CRN number + your Date of birth in DDMM format to unlock it.
- Here is an example:
- CRN: 12345678, DOB: 08 July 2000.
- Then, your Password will be 123456780807
How to Find Your Kotak CRN Number
If you’re using Format 2, you’ll need your CRN number. Here’s how to find it:
Simply send an SMS type “CRN” to 9971056767 or 5676788 from your registered number. Also, check your passbook’s first page, older credit card statements, and welcome kit.
Tip for you: Always read the entire email body when received from the bank. Kotak usually mentions the latest password format, instructions, examples, troubleshooting tips, and contact numbers for help.
Troubleshooting E-Statement PDF File Issues
- Update Adobe Reader – Older PDF readers do not support files sometimes; you need to upgrade your Adobe Acrobat Reader to version 6.0 or above.
- Avoid using mobile viewers – Some mobile apps may not support encrypted PDFs. Try using a desktop/laptop.
- Verify CRN or Name – As I already said, match your bank details exactly with what’s printed on the card.
- Downloading failed – check your email and phone storage, and internet connection.
Still Experiencing Issues? Contact Kotak Support
If your issue is still not solved, I guess it is a technical issue or bank server issue, You can call their customer care number 1860-266-2666 for help. It is a toll-free, 24/7 working number.
Also, you can drop an email at service.cards@kotak.com, or last but not least, visit your nearest Kotak branch.
Most Asked Questions
How can I open my Kotak credit card statement without a password?
You can log in to the Kotak mobile app using your 6-digit mPIN, go to Credit Card > Statement, select the date range, download it and open it without needing a password.
Is there a way to reset or change the statement password?
It is a system-generated password. Kotak credit card statement passwords cannot be reset or changed manually.
Can I get past credit card statements from 6 months ago?
Yes! Kotak allows up to 24-month-old statements through the Kotak Mobile banking app or Internet login, simply, go to credit cards statement, select period, and download it for free.
Is it safe to access my Kotak credit card statement on a public device?
Not recommended due to security reasons. If unavoidable, make sure to log out and delete downloads afterward.
Is the Kotak bank account statement password the same as the Kotak credit card statement?
No, the password format for Kotak bank account e-statements is different. You can check the correct format here: How to Open Your Kotak Bank Account Statement PDF
I hope you Found This Guide Useful. Please share it with friends on X (Twitter), Reddit, or Facebook who might need help opening their Kotak statement PDFs.
Also, Looking for Password Formats for Other Banks? Check out our master guide: All Bank Statement PDF Passwords List
Notice: This handbook* (content) on Easemoney is for informational purposes only and should not be considered financial advice. Always consult a certified financial advisor before making any decisions based on the information provided.
This article was written by Nanne Parmar, a fintech expert with a DCA degree and a commerce background, with 6+ years of experience in finance, fintech, and banking. Nanne has worked extensively in AI tools for banking, financial calculators, and fintech products. As the founder of EaseMoney, he focuses on making complex financial concepts simple for Indian users.