A bank statement is a detailed record of all transactions in your bank account for a selected period. It helps you track spending, confirm credits like salary, and is commonly required for loans, visas, income proof, and tax filing.
This guide explains what a bank statement is, how to get it, and how to use it—step-by-step.
Quick Summary
- What it shows: Credits, debits, balance, dates, narration
- Period: Monthly, quarterly, yearly, or custom dates
- How to get: Net banking, mobile app, ATM, branch, email
- Format: PDF / Excel / Printed copy
- Availability: 24×7 via digital channels
What Is a Bank Statement?
A bank statement lists all transactions in your account during a specific time period, including:
- Opening & closing balance
- Date-wise credits and debits
- Transaction reference/narration
- Charges and interest (if any)
Most banks generate monthly statements, but you can download statements for any custom date range.
How to Get a Bank Statement (All Methods)
Method 1: Online via Net Banking
- Login to your bank’s net banking.
- Go to Accounts → Statements / Account Statement.
- Select account and date range.
- Choose format (PDF/Excel).
- Download or email the statement.
Best option for instant access and older statements.
Method 2: Mobile Banking App
- Open your bank’s mobile app.
- Tap on Account / Statements.
- Select month or custom dates.
- Download or share the PDF.
Many apps allow password-protected PDFs.
Method 3: ATM Mini Statement
- Insert your ATM card.
- Enter PIN.
- Choose Mini Statement.
Shows last 5–10 transactions only (not a full statement).
Method 4: Bank Branch (Offline)
- Visit your home branch.
- Request an account statement at the counter.
- Carry ID proof and account details.
- Get a printed and stamped statement if required.
Useful for visa/official submissions.
Method 5: Email Statement (E-Statement)
- Most banks send monthly e-statements to your registered email.
- You can enable/disable this in net banking or by visiting the branch.
Types of Bank Statements
- Monthly Statement: Auto-generated every month
- Mini Statement: Last few transactions
- Detailed Statement: Custom date range
- Stamped Statement: Branch-attested copy
- Passbook Statement: Printed via passbook update machine
Common Uses of Bank Statement
- Loan & credit card applications
- Visa & immigration proof
- Income proof / address proof
- Expense tracking & budgeting
- Income tax filing & audits
Bank Statement Format (What You’ll See)
- Account holder name
- Account number (masked)
- IFSC & branch details
- Transaction date
- Description / narration
- Debit / Credit amount
- Available balance
FAQs
1. Is bank statement free?
A. Online statements are usually free. Branch-printed or old statements may have charges depending on bank policy.
2. How many years of statements can I download?
A. Typically 1–7 years online. Older records may require a branch request.
3. Is a PDF statement valid for official use?
A. Yes. Some authorities may ask for a bank-stamped copy.
4. Can I get a statement without net banking?
A. Yes, via branch visit, ATM mini statement, or passbook.
Troubleshooting
- Statement not downloading: Try different browser/app or shorter date range
- Wrong email: Update registered email in bank records
- Missing transactions: Check correct account/date range
Security Tips
- Keep statement PDFs password-protected
- Avoid sharing statements on public platforms
- Mask account number when sharing digitally
- Download statements only from official bank channels
Conclusion
A bank statement is an essential financial document for tracking money and proving income. With net banking and mobile apps, you can download it instantly in PDF or Excel format anytime. For official purposes, a stamped branch statement may be required.
