Skip to content
DoYourPDF

Passwords · Banking

Bank statement PDF passwords: SBI, HDFC, ICICI, Axis and more

The password formats Indian banks use for emailed account and credit card statements, with worked examples, sources, and what to try when none of them work.

HarshFounder, DoYourPDF4 min read

Most Indian banks lock e-statements with something only you know: the first letters of your name with your date of birth, your customer ID, or digits of your mobile or card number. The exact format is usually written in the email that carried the statement, so check that first. The table below collects the formats banks publish, plus the ones reputable guides report, with the source for each.

All examples use one made-up customer: RAHUL KUMAR, born 05-03-1990, mobile 98765 43210, customer ID 12345678, card ending 4321.

Password formats by bank

Bank Statement Password Example Source
SBI Monthly account e-statement by email Last 5 digits of registered mobile + date of birth as DDMMYY 43210050390 ClearTax
SBI Statement requested by SMS The 4-digit code you chose in the SMS 2468 SBI
SBI Card Credit card statement Date of birth as DDMMYYYY + last 4 digits of the card 050319904321 BankBazaar
HDFC Bank Account statement Customer ID 12345678 ClearTax
HDFC Bank Credit card statement First 4 letters of name in capitals + last 4 digits of the card RAHU4321 HDFC Bank's reply to a customer
ICICI Bank Account statement First 4 letters of name + date of birth as DDMM rahu0503 ClearTax
ICICI Bank Credit card statement Last 4 digits of the card 4321 ICICI Bank
Axis Bank Account and credit card statements First 4 letters of name in capitals, ignoring spaces and dots + date of birth as DDMM RAHU0503 Axis Bank
Bank of Baroda Account statement First 4 letters of name in small letters + date of birth as DDMM rahu0503 ClearTax
Union Bank of India Account statement First 4 letters of name in capitals + date of birth as DDMM RAHU0503 ClearTax
IndusInd Bank Savings account statement First 4 letters of name in capitals + date of birth as DDMM, or your customer ID RAHU0503 IndusInd Bank
Federal Bank Account statement First 4 letters of name in capitals, no spaces or symbols + date of birth as DDMM RAHU0503 Federal Bank
Yes Bank Account statement Customer ID + date of birth as DDMMYYYY 12345678905031990 (9-digit ID) ClearTax

Rows sourced to the bank itself are the most reliable. Where the source is a guide such as ClearTax or BankBazaar, the format is widely reported but not published by the bank, so treat it as the first thing to try.

Remove PasswordUnlock a PDF you have the password for. Free, works on your device, nothing uploaded

Rules that trip people up

  • Account and card statements differ. SBI, HDFC Bank and ICICI Bank use one format for account statements and another for credit cards.
  • The name is the one on the statement. Use your name as the bank has it, not as you usually write it.
  • Short first names run into the surname. A first name shorter than four letters continues into the next word: ANU THOMAS gives ANUT, as Federal Bank's own example shows.
  • Capitals matter. Axis wants capitals, Bank of Baroda small letters. Try both if the bank doesn't say.
  • DDMM is day then month. Born on 5 March: 0503, not 0305.
  • Formats change. ICICI's credit card statements used name and date of birth before; its own page now says the last four card digits. Older statements may still need the older format.

When nothing works

  1. Search your inbox for the email that carried the statement. Most banks state the format in it.
  2. Download the statement again from net banking or the bank's app. Statements you download yourself sometimes use a different format, or none.
  3. Ask the bank. No tool can reliably guess a strong password, and DoYourPDF doesn't try.

Unlock it once, then use it

Loan apps, the income tax portal and accountants often can't use a locked file. The income tax department says plainly: do not upload files with password protection (Income Tax Department). Once you know the password:

  1. Open Remove Password, choose the statement and type the password once.
  2. Download the unlocked copy. It never leaves your device while this happens.
  3. Need the transactions in a spreadsheet? Run the unlocked copy through PDF to Excel.

Bank-by-bank detail: SBI statement passwords and HDFC Bank statement passwords.

Questions people ask

What is the usual password for a bank statement PDF?

Most Indian banks combine two things you know, such as the first four letters of your name and your date of birth (RAHU0503), your customer ID, or digits of your mobile or card number. The email that carried the statement states the exact format.

Why does my credit card statement need a different password from my account statement?

Banks often use different formats for the two. HDFC Bank, for example, uses your customer ID for account statements but your name and card digits for credit card statements.

Can I remove the password from a bank statement?

Yes, once you know it. Remove Password makes an unlocked copy on your device, without uploading the statement anywhere. Loan apps and the income tax portal often need an unlocked file.

Can DoYourPDF recover a forgotten statement password?

No. It unlocks files you know the password for. If no format works, download the statement again from net banking or ask the bank.

Tools in this guide

PDF to ExcelTables become real rows and columns. Free, works on your device, nothing uploaded

More guides