How to Get Bank Statement Online: All You Need to Know?

Lucky Singh had only just finished her breakfast coffee when she remembered, she hadn't opened her bank statement in weeks. Her balance in her checking account should be approximately ₹45,000, but she wanted to check it before any major purchases.

She took out her phone, opened her bank's app, and clicked on the "Statements" option. Having chosen April 1st to April 30th, she checked her expenses: ₹10,000 for groceries, ₹5,000 for bills, and ₹4,500 for entertainment. Together, ₹25,500 had been spent.

Her salary of ₹40,000 had been credited in the middle of the month, so having made all transactions, her balance stood at ₹59,500.

Lucky smiled. All was well, and she still had enough to meet her savings target. With a few clicks, she downloaded the statement and continued, feeling satisfied and in charge of her finances.

Accessing Bank Statements via Net Banking

1. State Bank of India (SBI)

Via Internet Banking:

1. Visit the SBI Internet Banking portal.
   
   
2. Log in using your username and password.
   
   
3. Go to "My Accounts" > "Account Statement".
   
   
4. Select the account and specify the statement period (e.g., last 1 month, custom date range).
   
   
5. Choose the format (PDF or Excel) and click "Go" to view or download your statement.

Via YONO App:

1. Open the SBI YONO app.
   
   
2. Log in with your credentials.
   
   
3. Tap on "Accounts" > "Account Statement".
   
   
4. Select the desired statement period and format.
   
   
5. Download or view your statement directly within the app

2. HDFC Bank

Via NetBanking:

1. Go to the HDFC Bank NetBanking portal.
   
   
2. Enter your Customer ID and PIN to log in.
   
   
3. Go to "Enquire" > "Account Statement".
   
   
4. Select the account and specify the statement period.
   
   
5. Choose the format (PDF, Excel, or HTML) and click "Submit" to view or download your statement.

3. Central Bank of India

Via Internet Banking:

1. Visit the Central Bank of India Internet Banking portal.
   
   
2. Log in using your CIF and registered mobile number.
   
   
3. Go to "My Accounts" > "Account Statement".
   
   
4. Select the account and specify the statement period.
   
   
5. Choose the format and click "Submit" to view or download your statement.

Example of Statement Summary:

• Opening Balance (April 1, 2025): ₹20,000
  
  
• Total Expenses (Debits): ₹2,500 (groceries) + ₹3,000 (utility bills) + ₹1,500 (dinner) + ₹5,000 (shopping) = ₹12,000
  
  
• Salary Credit (Credits): ₹30,000
  
  
• Closing Balance (April 30, 2025): ₹38,000

Tips for Accessing Bank Statements Online:

• Security: Always log in through your bank's official website or app. Avoid accessing your account from public or shared computers.
  
  
• Format: PDF is commonly used for official records, while Excel is useful for analysis.
  
  
• Statement Period: Most banks allow you to view statements for the past 3 to 12 months.
  
  
• Assistance: If you encounter issues, contact your bank's customer service for support.

Using Mobile Banking Apps for Statement Access

Download and Install the App:

• Ensure you have the official mobile banking application of your bank installed on your smartphone.

Log In Securely:

• Open the app and log in using your credentials, which may include a user ID and password, along with an mPIN or biometric authentication.

Go to Account Statements:

• Once logged in, locate and select the "Account Statements" or "e-Statements" option from the menu.

Select the Account and Statement Period:

• Choose the specific account (e.g., savings or current) and specify the date range for the statement you wish to view.

View or Download the Statement:

• You can now view the statement on your device or download it in a preferred format, such as PDF or Excel, for record-keeping.

RBI Guidelines for Mobile Banking:

According to the RBI's Master Circular on Mobile Banking Transactions in India, banks are required to implement the following measures:

• Two-Factor Authentication (2FA): All mobile banking transactions, including accessing bank statements, must be authenticated using two factors. One of these factors is typically an mPIN or a higher standard of authentication
  
  
• End-to-end Encryption: To protect customer data, end-to-end encryption should be implemented during mobile banking transactions.
  
  
• Transaction Limits: Banks may set transaction limits based on their risk assessments. For instance, transactions up to ₹5,000 can be conducted without end-to-end encryption, while higher-value transactions require enhanced security measures.

Customer Registration: Banks must establish a system for customer registration for mobile banking services, ensuring easy access and minimising the need for customers to visit branches.

Example of Statement Summary:

• Opening Balance (April 1, 2025): ₹25,000
• Total Deposits: ₹15,000
• Total Withdrawals: ₹10,000
• Closing Balance (April 30, 2025): ₹30,000

Priya successfully accessed and downloaded her bank statement, ensuring she had a record of her financial transactions for the month.

Receiving Statements via Registered Email

Accessing Statements through ATMs

Example: Lucky Singh's ATM Mini Statement:

Let's consider a hypothetical example of Lucky Singh, who wishes to check her recent transactions.

• Date: May 12, 2025
• Bank: State Bank of India (SBI)
• ATM Location: Connaught Place, New Delhi

Steps Taken:

• Arrival at ATM: Lucky arrives at the SBI ATM in Connaught Place.
  
  
• Card Insertion: She inserts her SBI debit card and selects Hindi as her preferred language.
  
  
• PIN Entry: Lucky enters her 4-digit ATM PIN.
  
  
• Mini Statement Selection: She chooses the 'Mini Statement' option from the menu.
  
  
• Statement Display: The ATM displays the following recent transactions:
  
  

Print Statement: Lucky opts to print the mini statement for her records.

Outcome: Lucky successfully checks her recent transactions and has a printed record for future reference.

Security Tips:
 

• Privacy: Ensure no one is looking over your shoulder while accessing your account.
  
  
• Receipt Disposal: Shred or safely dispose of printed receipts to protect your information.
  
  
• ATM Location: Use ATMs in well-lit and secure areas, preferably inside bank premises.
  
  
• Report Issues: Immediately report any suspicious activity or issues with the ATM to your bank.

By following these steps, you can easily access your bank statements through ATMs, ensuring you stay informed about your account activities.

Conclusion

Having your bank statement available online has never been easier or more important. Whether you use an ATM, mobile app, net banking, or email, the internet options put your financial information at your fingertips. With just a few clicks and taps, people with busy schedules like Lucky Singh can stay in control of their finances without having to wait in line or fill out paperwork.

In the end, it's about feeling at ease, informed, and in control of your financial journey—not just about double-checking numbers.

Faqs

Q. Can I get my bank statement online for free?
Yes, most banks provide e-statements for free through net banking or mobile apps.

Q. How far back can I download my bank statements online?
Typically, you can access statements from the past 3 to 12 months, depending on the bank.

Q. Is it safe to download bank statements online?
Yes, as long as you use the official bank website or app and secure your login credentials.

Q. Can I get a printed copy of my online bank statement?

 You can download the PDF and print it anytime for your records.

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LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?