Money Clarity

Bank statement PDF password: every major Indian bank

Most Indian banks lock the statement PDF with some combination of the first four letters of your name and your date of birth. The exact combination differs by bank, and often differs between a bank account statement and a credit card statement from the same bank. The formats below are the ones that actually open the file.

The formats, bank by bank

Take the name exactly as printed on the statement, and the date of birth registered with that bank - not necessarily the one you use elsewhere.

Axis Bank: first four letters of the name in UPPERCASE, then date and month of birth as DDMM. Rohit Singh, born 10 April: ROHI1004
SBI Card: first four letters of the name in UPPERCASE, then DDMM. Rakesh Kumar, born 15 March: RAKU1503
HDFC Bank: first four letters of the name in lowercase, then DDMM. Priya Sharma, born 9 January: priy0901
Kotak Mahindra: first four letters of the name in lowercase, then DDMM
ICICI Bank: date of birth as DDMMYYYY, with no name. Born 4 August 1991: 04081991
Federal Bank: first four letters of the name in UPPERCASE, then DDMM

Why banks do this at all

A statement contains your account number, your balance and every transaction you made. Emailing that unprotected would be indefensible, so the file is encrypted with something you know and an interceptor probably does not.

The password is derived from data the bank already holds, so nothing extra has to be sent to you
It is deliberately weak against someone who knows you and strong against someone who does not
It is not a secret worth protecting the way a banking password is - it is a lock on one document
Never send an unlocked statement over email or chat to anyone who has not proven who they are

If the password does not work

Formats change, and they differ between a bank account statement and a credit card statement from the same bank. Work through these before assuming you are locked out.

Check the covering email - the bank states the format in the email body, and that text is authoritative for your specific statement
Try the name exactly as printed on the statement, not as you normally write it - middle names and initials change the first four letters
Try both cases. Some banks accept either, some do not
A name shorter than four letters is usually padded or truncated differently - check the covering email
For joint accounts, it is normally the primary holder’s details
Credit card statements and bank statements from the same bank often use different formats

Once it opens: what to actually do with it

People rarely open a statement for its own sake. They open it because they want to know something, and the statement is where the answer is.

Sort by amount ascending - recurring charges cluster at the bottom and that is where forgotten money lives
Mark every debit that appears in all three of your last statements. That is your committed cost
Check the interest rate on any loan line against what banks quote today
Look for UPI AutoPay mandates you no longer use
Unyfy reads these statements automatically and does the above without you exporting anything

Common questions

What is the password for my bank statement PDF?

For most Indian banks it is the first four letters of your name plus your date and month of birth in DDMM format. Axis and SBI Card use uppercase, HDFC and Kotak use lowercase. ICICI is the exception and uses the full date of birth as DDMMYYYY with no name.

Why is my statement password not working?

Most often the name on the statement differs from the name you tried - a middle name or initial changes the first four letters. Case matters at some banks. And a credit card statement often uses a different format from a bank account statement at the same bank. The covering email states the correct format for that specific file.

Can I remove the password from a bank statement PDF?

Yes, once it is open you can save an unprotected copy. Think about where that copy then lives. An unlocked statement contains your account number, balance and full transaction history, so it should not sit in a downloads folder or be forwarded over chat.

Almost every Indian bank uses some arrangement of your name and your date of birth. When it fails, the covering email is authoritative - the bank states the format there for your specific statement.

Written by Danish Mirza, founder of Unyfy. 14 years in Indian lending and collections at Standard Chartered, Barclays, Ola Money and Uni Cards.
Last reviewed 2026-09-09.