How to Open Your PNB Bank Statement PDF

Why PNB Sends You Locked PDF Statements Every Month

This happens because PNB — like all Indian banks — follows the Reserve Bank of India (RBI) guidelines to protect your financial data. That’s why your e-statements are always PDF password-protected, whether you ask for them via email, app, or WhatsApp.

The E-statement is a digital way to view your account information, including transactions, account balance, Branch Address, and other banking details.

It will be password-protected. Let’s move to your main concern of unlocking the statement with the correct format.

Steps to Open Your PNB Bank Statement PDF

Use either of the two formats below:

Option 1: Use Your Account Number

To unlock your PNB account e-statement PDF, the bank uses the simple password format as your 14 to 16-digit Account Number.

Let’s take an example. If your bank account number is 9876543331234, then this is your password. Enter it exactly as it is.

Option 2: Use Your 9-digit Customer ID (CIF Number)

Alternatively, you can use your PNB 9-digit Customer ID (CIF Number) as your password.

Example: IB9322939P simply copy and paste it.

How to find the PNB Account Number

If you don’t remember your account number, few tips for you –

1. Old Physical or e-statement: You can view your account number in your old monthly statement. It is usually mentioned in the header section.
2. UPI Apps: You can simply use any of the UPI apps like Paytm, Phonepe, and Google Pay. Navigate to my account and tap on View Details to access the account number.
3. Bank Documents: Check your PNB passbook and Chequebook. It is usually printed on the first page of the book.
4. PNB One App: Enter your 4-digit MPIN to log in, and navigate to account overview to access your statement.

Forget Customer ID, where to find?

1. Visit the PNB Internet banking portal.
2. Click on “Know Your User ID”—your User ID is the same as your customer ID.
3. You have to enter your 16-digit account number, along with your PAN number and your registered mobile number.
4. You will receive an OTP; enter it to verify.
5. After entering the OTP, your customer ID will be displayed.

Where You Can Get Your PNB Statement (Even Without Net Banking)

You don’t need to rely only on internet banking. PNB offers multiple ways to access your bank statement:

Follow the steps to activate it using the PNB One app –

• Download the PNB One App: Install the app from your smartphone’s app store.
• Login Using a 4-Digit MPIN: If registering for the first time:
  • Enter your CIF number.
  • Select your SIM and get the OTP.
  • Set your 4-digit MPIN and 4-digit TPIN.
• Access the E-Statement Registration:
  • Once logged in using MPIN, scroll down to the “Services” section.
  • Go to “Others” and select “E-Statement Registration.”
  • Enter or update your email ID to receive monthly e-statements.

How Can I Get an Email Statement via PNB WhatsApp Banking?

1. Save the PNB WhatsApp Banking number +91-9264092640 to Your Contacts.
2. Send a “Hi” or “Hello” message from your registered mobile number.
3. Tap on “All Services” and select “Account-Related Services.”
4. Enter the OTP to access account services.
5. From the menu, choose “Account Statement.”
6. Select the desired time frame (last month, last week, or a custom duration).
7. After selecting the statement message, you will receive.
8. Tap on the save button to download it.

Not Receiving Your PNB E-Statement on Email?

You registered, but still nothing? Try this checklist:

• Check spam/junk/promotions folder
• Re-register your email via PNB One
• Add care@pnb.co.in to your safe sender list
• Still stuck? Send an email to:
  Subject: “PNB E-Statement Not Received”
  To: care@pnb.co.in

They usually reply within 24–48 hours.

Troubleshooting Tips for Statement Issues

1. PDF Corrupt: If you encounter an error message when opening the PDF file, please re-download the Statement using PNB One, WhatsApp Banking, or Email.
2. Update Your PDF Reader: As I already said, use the latest version only. Navigate to your smartphone app store and update your existing PDF reader.
3. Verify the Password: While entering the password, never use typos, spaces, or symbols.
4. Try a Different Device: If the statement doesn’t open on one device (PC, mobile, or tablet), try another.
5. Contact PNB for Assistance:

If the above steps don’t resolve your issue, you can reach out to the PNB Bank customer care.

• Phone Support: You can call the latest working customer helpline numbers 1800 180 2222 or 1800 103 2222 (24/7 helpline.

Bonus: Smart Tips to Save and Organise Your Statements

Digital clutter is real. Here’s how to organise your e-statements like a pro:

• Create a folder: PNB_Statements_2025
• Rename PDFs as: PNB_March_2025.pdf, PNB_July_2025.pdf
• Upload to: Google Drive / Dropbox for easy access anytime
• Set a calendar reminder every 1st of the month to download new ones

FAQs

Nanne Parmar

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.