Money Clarity

Kotak Mahindra Bank statement PDF password

The Kotak Mahindra Bank statement PDF password is the first four letters of your name in lowercase, followed by your date and month of birth as DDMM. Anita Desai, born 21 June: anit2106. Use the name exactly as it is printed on the statement and the date of birth registered with Kotak Mahindra Bank, which is not always the one you use elsewhere.

The format

Kotak Mahindra Bank locks the statement with the first four letters of your name in lowercase, followed by your date and month of birth as DDMM.

Rule: first four letters of your name in lowercase, followed by your date and month of birth as DDMM
Example: Anita Desai, born 21 June: anit2106
Name as printed on the statement, not as you normally write it
Date of birth as registered with the bank

What is specific to Kotak Mahindra Bank

Kotak uses lowercase. If you hold both the weekly and the monthly statement emails, both use the same format.

The covering email states the format for your specific statement and is authoritative
Credit card and bank account statements can use different formats at the same bank
Joint accounts normally use the primary holder’s details

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

The statement is only useful if you read it for the right things. Three months of them, sorted by amount ascending, will show you more than any budgeting app.

Sort by amount ascending - forgotten recurring charges cluster at the bottom
Mark every debit that appears in all three months. That is your committed cost
Check any loan interest rate against what banks quote today
Unyfy reads these statements automatically, so you do not have to export or sort anything

Common questions

What is the password for my Kotak Mahindra Bank statement?

The first four letters of your name in lowercase, followed by your date and month of birth as DDMM. Anita Desai, born 21 June: anit2106. Use the name exactly as printed on the statement.

Why is my Kotak Mahindra Bank statement password not working?

Usually the name. A middle name or initial changes the first four letters, and the name on the statement may not match how you normally write it. Case matters. And a credit card statement can use a different format from a bank account statement at the same bank.

Is it safe to remove the password from the file?

It is technically fine, but think about where the unlocked copy then lives. It contains your account number, balance and every transaction. Do not leave it in a downloads folder or forward it over chat.

If the format above is rejected, the covering email from Kotak Mahindra Bank states the rule for that specific file - it overrides any general guide, including this one.

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.