What an HDFC e-statement PDF looks like
HDFC statements downloaded from NetBanking follow a consistent layout. The header carries the account details; the body is a single transaction table with one row per entry:
- Account number — a 14-digit number (for example, 50100456789012), shown with the branch, IFSC code (HDFC000…) and MICR.
- Period covered — stated in the header, e.g. From: 01/03/2026 To: 31/03/2026. The header uses full dd/MM/yyyy dates; transaction rows use a shorter dd/MM/yy format (e.g. 08/11/25).
- Transaction table — seven columns: Date, Narration, Chq./Ref. No., Value Dt, Withdrawal Amt., Deposit Amt., Closing Balance.
Long narrations, and most downloads need no password
Two things trip up most PDF-to-Tally tools on HDFC statements — and both are handled here:
- Narrations wrap across lines. UPI handles, NEFT remarks and merchant names in the Narration column frequently spill onto a second or third line. Naive parsers mistake the wrapped text for a new transaction and shift every date below it. The converter stitches multi-line narrations back into a single row before export.
- Most downloads open without a password. In our tests, HDFC statements downloaded from NetBanking opened directly — one file carried an encryption flag with an empty password, the other had no encryption at all. If a download does prompt you, HDFC's password is your Customer ID (the 9-digit number you log in with); emailed statements often show its last three digits in the email subject as a hint.
You can enter the password during upload — no need to unencrypt the file first.
Value date vs. transaction date
HDFC lists a Value Dt column alongside the transaction Date. The two can differ for cheques and NEFT. For Tally vouchers, use the transaction date — that's the date the entry should appear in your books. The value date only matters if you reconcile against the bank's clearing cycle.
Convert an HDFC statement in three steps
Upload your HDFC statement PDF
Download the e-statement from HDFC NetBanking (Accounts → Account Statement), then upload it. Most downloads open without a password; if yours prompts, enter your Customer ID.
Preview the extracted transactions
HDFC narrations can run long and wrap across lines — the extractor stitches them back into single rows. Spot-check every Date, Narration, Withdrawal and Deposit before exporting.
Download Tally XML
Export a Tally-ready XML file and import it via Gateway of Tally → Import Data → Vouchers. CSV export is included too.
This works for savings, current and salary account statements from HDFC. If your bank isn't HDFC, the same flow covers 21 other tested Indian banks — see the full converter.
Importing the XML into Tally
Once you've downloaded the XML, open Tally Prime and go to Gateway of Tally → Import Data → Vouchers, then select the file. New to the import step? Read the step-by-step import guide.