HDFC Bank · Private Sector · India

HDFC
statement analyzer

HDFC statementanalyzer

Download your HDFC statement, unlock the PDF password (Customer ID), and let AI categorize every UPI, NEFT, IMPS and ATM transaction.

How to downloadPDF password guideAI categorizationCSV & Excel export
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How it works

Three steps to analyze your statement

1.Download your statement

Get your HDFC PDF from HDFC Mobile Banking or netbanking.hdfcbank.com net banking. Steps below.

2.Unlock the PDF password

HDFC PDFs are locked with your Customer ID. Use our free in-browser tool to remove it.

3.Get AI spending breakdown

Upload the unlocked PDF — AI categorizes every UPI, NEFT, IMPS and ATM transaction.

Step 1

Download your HDFC statement

HDFC NetBanking
netbanking.hdfcbank.com
1
Sign in to HDFC NetBanking
Visit netbanking.hdfcbank.com → enter Customer ID & password.
2
Accounts → E-statement
Open Accounts menu, then click E-statement.
3
Pick account & dates
Choose savings or current account. Set date range (up to 5 years).
4
Download PDF
Click Download. Password is your Customer ID (not DOB).
HDFC Mobile Banking
iOS & Android
1
Open HDFC Mobile Banking
Log in with M-PIN or biometric on iOS / Android.
2
Tap your account
Select the savings / current account you want a statement for.
3
Statement → date range
Tap Statement, choose dates, then Email / Download PDF.
4
Open with Customer ID
Enter your Customer ID to unlock the file (not DOB).

HDFC sends a monthly e-statement automatically. Activate from NetBanking → My Profile → E-statement Registration.

Step 2

Unlock the PDF password

HDFC locks every e-statement PDF. Here's how to open it.

Password formula
Customer ID
Unique to your account
=
42938471
Your password
Note: Unlike most Indian banks, this bank uses your account-level identifier rather than your date of birth. Find it on your welcome kit, in the mobile app under Profile, or printed on any previous statement.
If the password doesn't work, try
1
For older credit cards: last 4 of card number
Pre-2019 credit card statements only
2
For older PDFs: DOB in DDMM format
e.g. 1502 for 15 February
3
Call HDFC PhoneBanking
1800-202-6161 (free, 24/7)

Why is it locked? HDFC encrypts every e-statement PDF so only the account holder can open it. The password is unique to your account.

Free unlock tool
Remove the password permanently
Enter the password once — download a clean, unlocked copy. Runs entirely in your browser. Your PDF never leaves your device.
Drop your password-protected PDFTap to upload your PDF
or click to browse — PDF only · max 20MB
Free · Processed in your browser · Never uploaded to any server
Step 3

Now analyze your HDFC statement

Your PDF is unlocked. Upload it and AI will read every transaction — UPI, NEFT, RTGS, IMPS, ATM, EMI — and show exactly where your money goes.

Recurring · $564/yr

N
Netflix$15.99
S
Spotify Premium$10.99
C
ChatGPT Plus$20.00
3 recurring$47/mo

Spending Breakdown

February 2026

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Other

$1,511

24.1% of total spending

Total Analyzed

$6,284

Your grocery spending is 12% higher than last month. Consider meal planning to stay on budget.

You saved 25.6% of your income — above the recommended 20%. Great job!

Transportation costs dropped $45 from January. The new bus pass is paying off.

You have 5 active subscriptions totaling $84.96/mo. Review if all are still needed.

AI-generated insights

See your HDFC spending clearly

Upload your unlocked statement — full AI analysis in 30 seconds. Free for 3 pages.

Analyze My HDFC Statement →
✓ 1 free analysis · ✓ No signup · ✓ 30 seconds

Pricing

See where your money goes

Upload a statement and get answers in seconds. No card required.

Free
Free
No card required
  • 1 analysis / month
  • 50 transactions per document
  • Auto-categorized transactions
  • Money flow visualization
  • Export to CSV, Excel, QIF, OFX & QBO
Upload Free
Most popular
Basic
$9/mo
  • 500 pages / month
  • 100 transactions per document
  • Everything in Free
  • AI savings advisor chat
  • Find hidden subscriptions
  • 12 months history
Pro
$19/mo
  • Everything in Basic
  • Unlimited pages
  • Unlimited transactions per document
  • 5 image recaps / month
  • Priority support

About HDFC Bank

Everything about HDFC statements

HDFC statement password

Every HDFC Bank e-statement is password-protected. The password formula is shown above. If the password fails, call HDFC Bank customer care at 1800-202-6161.

How to download your HDFC statement

Two methods: from HDFC Mobile Banking mobile app or from HDFC NetBanking at netbanking.hdfcbank.com. Both methods give you up to 5 years of statement history.

About HDFC Bank

HDFC Bank is the largest private-sector bank in India by assets, with 8,000+ branches and 18,000+ ATMs. Founded in 1994, HDFC merged with HDFC Ltd in 2023 to form one of the world's largest banking entities. Statement formats are consistent across savings, current, salary, NRE, and credit card accounts.

HDFC statement analysis

HDFC statements list a mix of UPI payments, NEFT/RTGS/IMPS transfers, ATM withdrawals, EMI auto-debits, salary credits, and SIP investments. Our AI reads every transaction line and assigns it to one of 19 categories. You get a Sankey money-flow chart, plus an Excel/CSV export ready for budgeting, tax filing, or loan applications.

HDFC statement for loans, ITR & visa

Most lenders and embassies need 3–6 months of bank statements. HDFC PDFs are accepted by all major Indian lenders, ITR filings, and most foreign consulates. For an official bank-certified statement (stamped, signed), visit your nearest HDFC branch with your passbook and identity proof.

FAQ

HDFC statement FAQ

What is the password for an HDFC Bank statement PDF?+−
The HDFC Bank e-statement PDF password is your HDFC Customer ID (User ID) — an 8 or 10-digit number assigned when you opened your account. NOT your date of birth (HDFC is different from most Indian banks). Find it on your welcome kit, in HDFC Mobile under Profile, or on any previous statement.
Is the HDFC password my date of birth?+−
No — HDFC is the exception. Most Indian banks (YES, Axis, Kotak, Canara, PNB) use DOB DDMMYYYY. HDFC uses Customer ID. Trying DOB will fail every time on HDFC PDFs.
Where do I find my HDFC Customer ID?+−
Four places: (1) HDFC Mobile app → My Profile → Customer ID. (2) NetBanking dashboard top. (3) Any previous HDFC statement (top right of page 1). (4) Welcome kit cover. If still missing, call PhoneBanking on 1800-202-6161.
What is the HDFC credit card statement password format?+−
Same as account statements — your Customer ID. Older HDFC credit card statements (pre-2019) sometimes used DOB DDMM or last 4 of card number; if Customer ID fails on an older PDF, try those next.
How do I download my HDFC statement?+−
Two ways: HDFC NetBanking at netbanking.hdfcbank.com → Accounts → E-statement → choose period → Download. Or HDFC Mobile Banking app → tap account → Statements → pick period → Download.
How far back can I get HDFC statements?+−
About 5 years online via NetBanking. For older records, raise a request from NetBanking → My Profile → Statement Request, or visit any HDFC branch.
Can I analyze my HDFC bank statement with AI?+−
Yes. Unlock the HDFC PDF with your Customer ID, then upload it here. AI reads every UPI, NEFT, IMPS, RTGS, ATM and EMI line, categorizes them across 19 buckets, and shows a Sankey money-flow chart in 30 seconds.

See your HDFC
spending clearly — free.

Upload your PDF — AI maps every UPI, ATM, and NEFT transaction by category.

Analyze My Statement Free →
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