Kotak Bank Statement – Complete Guide to Download & Check

Ravi earns ₹25,000 every month. He pays ₹8,000 for rent, spends around ₹5,000 on groceries, and transfers ₹3,000 to his parents. One day, he checks his balance and finds only ₹2,000 left — but he doesn’t remember spending that much. Confused, he opens his Kotak Bank statement on his phone. Within minutes, he sees a few extra online purchases he forgot about and also a bank charge of ₹250. Now it all makes sense!

This is how a bank statement can help you track your money, avoid surprises, and even catch any mistakes or extra charges.

Introduction 

It's much easier to keep money in check if you have some idea where your money is headed and where it's coming from. That is where your bank statement is handy. It is essentially a master list that states how much money you've received, paid out, and transferred from the account over an interval of time.

Whether you want to verify any incorrect transactions, apply for a loan, or file your income tax, a Kotak Bank statement can be a very handy tool. And the best part? You don't have to go to the bank anymore – you can access it anytime using Kotak's mobile app or internet banking.

What is a Bank Statement?

A bank statement is a list of all the transactions from your bank account over a specific period, such as a month or three months. It informs you:

• How much money was deposited into your account
• How much was transferred or spent
• What is your current balance?
• Any fees or interest charged by the bank

Previously, banks used to put your statement or add to it in your passbook. Now, however, you can access it instantly via your phone or computer, at your convenience.

How to Get a Kotak Bank Statement?

Getting your Kotak Bank statement is easy. You can choose between online and offline methods. Let’s look at both one by one.

Read More – Everything You Need to Know About Kotak Credit Card Statement

Online Methods to Get Kotak Bank Statement

Kotak Mahindra Bank provides several ways to get your bank statement online. These are safe, quick, and can be done anytime from home or on the go:

1. Kotak Mobile Banking App

• Download the Kotak Mobile Banking App from the Google Play Store or the Apple App Store.
• Log in using your CRN (Customer Relationship Number) and MPIN (Mobile PIN).
• Once logged in, you can go to the “Bank Statement” section and download your statement for any month or date range.

2. Kotak Net Banking

• Visit https://www.kotak.com and log in using your CRN and Password.
• Go to Banking > Accounts > Account Statement.
• Choose the date range and download the statement as a PDF.

3. Email Statement

• Kotak also sends monthly e-statements to your registered email address.
• You can open the PDF and use your CRN or registered mobile number as the password to access it.

4. Kotak Chatbot – Keya

• Visit Kotak’s website and click on Keya, the chatbot.
• Type “bank statement” and follow the instructions to get your statement link via SMS or email.

Offline Methods to Get Kotak Bank Statement

If you prefer visiting a bank or ATM, Kotak offers some offline options as well:

1. Visit a Kotak Branch

• Go to the nearest Kotak Bank branch.
• Carry your valid ID proof and account number.
• Ask the bank staff for a printed copy of your bank statement.

2. Kotak ATM Mini Statement

• Insert your debit card at any Kotak ATM.
• Choose the Mini Statement option.
• You’ll get a printout of the last 5 transactions from your account.

Note: Mini Statements show only the last few transactions. For full details, always opt for the complete bank statement online or at a branch.

Steps to Download Kotak Bank Statement Online

Let’s say you want to download your Kotak bank statement for March 2025 using your mobile app. 

Here are the easy steps:

Open Kotak Mobile Banking App

• Log in with your CRN and MPIN.

Tap on ‘Accounts’ or ‘Statement’

• This is usually found on the home screen or under the ‘More’ section.

Choose ‘Consolidated Statement’

• This shows a summary of all your accounts if you have more than one.

Select Month or Custom Dates

• Choose “March 2025” or enter custom start and end dates.

Download or Email Statement

• Tap on ‘Download’ to save it as a PDF or send it to your registered email ID.

Enter Password to Open Statement

• Usually, your CRN or mobile number is the password to open the PDF file.

That’s it! You now have your complete Kotak Bank statement ready.

Understanding the Kotak Bank Statement

Now that you’ve got your bank statement, let’s understand what each part means.

1. Account Details

This section tells you which account the statement is for. It usually includes:

So if you see “Kotak 811 – Savings A/C” with your name and the correct date range, you’re looking at 

the correct statement.

2. Transaction History

This is the main part of the statement. It shows all the money that came in and went out of your account.

Tip: If you see any unknown transactions, check with the bank immediately.

3. Available Balance

This shows how much money you have left in your account after each transaction. It helps you track your spending and savings.

In the table above, you started with ₹0, got ₹30,000 as salary, and after several transactions, your balance came down to ₹16,301.

Keeping an eye on your available balance ensures you don’t overspend or face failed payments due to low funds.

4. Charges & Deductions

Banks may deduct small charges for services like:

• ATM withdrawals after the free limit
• SMS alerts
• Cheque bounce fees
• Debit card annual fee

These charges will appear in the transaction section like this:

Check these charges carefully to make sure you’re not losing money unknowingly. If something looks wrong, contact Kotak customer care.

Example

Let’s say you expected to have ₹10,000 in your account by the end of March, but your balance shows only ₹6,000. You open your Kotak statement and see:

• ₹3,000 transfer to your cousin on UPI (you forgot)
  
  
• ₹500 debit card annual fee
  
  
• ₹500 spent on a food delivery app

That’s how your ₹4,000 difference got used up. This shows how useful a statement can be in tracking and managing your money.

Kotak Bank Mini Statement vs. Full Statement

When dealing with your money, it is handy to know the difference between a Mini Statement and a Full Statement. Both are handy resources, but they are different. Let's outline what each has to offer and how they are different from each other.

Kotak Bank Mini Statement

A Mini Statement is a brief record of your latest transactions. It normally lists the last 5 transactions from your account. The Mini Statement is a fast way to view recent activity without showing a lot of detail. It displays:

• Date of transaction
• Description (e.g., merchant name, withdrawal, or deposit)
• Amount debited or credited
• Available balance after each transaction

A Mini Statement is usually utilised when you want to verify if a recent payment has cleared or if a deposit has cleared. It is best for individuals who need a fast overview of their recent activity without requiring full details.

For instance, if you just made a big purchase or received a payment, a Mini Statement can verify the transaction in seconds.

You can quickly obtain a Mini Statement through:

• Kotak ATM: Simply insert your debit card and select the "Mini Statement" option.
  
  
• SMS: If you are registered for SMS banking, you can opt for a Mini Statement by sending a command (such as "MINI" to a specified number).
  
  

Kotak Bank Full Statement

In contrast, a Full Statement is an elaborate document containing complete information about every transaction in your account during a given period. It will normally contain the following:

• Account holder's information (name, account number)
  
  
• Total transaction history, including dates, descriptions, amounts, and balances for a fixed duration (e.g., monthly).
  
  
• Charges, if any.
   
• Interest earned, if applicable.

A Full Statement is best suited for individuals who require a comprehensive record of every activity, e.g., for tax purposes, loan applications, or to monitor expenses over time. It gives a comprehensive picture of money entering and leaving your account.

For instance, when you're availing a loan or attempting to compute your expenditure on an annual basis, a Full Statement will provide you with the entire account history of your financial transactions during a given duration.

You may download your Full Statement online using Mobile Banking or Net Banking. Alternatively, you can ask for a printed one at your branch bank.

Key Differences: