Read this first
There is no single Kotak password that works for everyone. The format differs between a savings account and a credit card, between net banking and the mobile app, and between older and newer accounts. The exact format for your file is stated in the email the statement arrived in — usually just under the attachment. Treat the list below as the order to try.
Account statement password
For a Kotak Mahindra savings or current account statement, try these in order:
- CRN: Your Customer Relationship Number (CRN)
- Date of birth: DDMMYYYY — Used on some statements.
Credit card statement password
Card statements usually use a different format from account statements:
- Name + birthday: First 4 letters of your name in CAPITALS + DDMM of your date of birth
- CRN: Your Customer Relationship Number (CRN)
The rules people get wrong
- Case matters. Name-based formats are in CAPITALS.
- Use the name the bank has, not the one you go by. If your statement says RAJESH KUMAR SHARMA, the first four letters are
RAJE. - DDMM is four digits with leading zeros. 7 March is
0703, not73. - Joint accounts use the primary holder's details.
- No spaces, ever — even where the format looks like two parts.
Downloading a fresh statement
- Sign in to Kotak net banking and open Accounts → Account Statement.
- Choose the account and period, then Download as PDF.
- For cards, open Credit Cards → Statement & Payments.
A statement you download while signed in is often not password protected — the protection exists because the file travels by email. If the password is fighting you, re-downloading is usually faster than guessing.
If none of them work
- Search your inbox for the covering email and read the line under the attachment.
- Try the other product's format — people routinely try an account password on a card statement.
- Check whether the account predates a bank merger; legacy accounts sometimes keep the old bank's format.
- Call Kotak support and ask for the e-statement password format for your specific account.
Or let Ekatra read it
Ekatra opens the statement with the password you supply, extracts your accounts, transactions and balances, and files them onto one dashboard — then discards the file. The password is used once and never stored, and Ekatra never asks for your netbanking login. How that works →
Stop opening statements one at a time
Every account, card, investment and loan on one screen. Try it with sample data first — no sign-in.
Explore with sample data →