What an IOB e-statement PDF looks like
Indian Overseas Bank statements downloaded from NetBanking follow a compact layout. The header carries the account details; the body is a transaction table:
- Transaction table — Date, Chq No, NARATION, COD, Debit, Credit, Balance.
- The 'NARATION' quirk. IOB's own header misspells 'Narration' as NARATION. The converter is trained on this layout and reads it correctly.
- No password — the IOB statement we tested opened directly with no encryption.
NEFT rows carry the destination bank's code
Two IOB-specific details that make their statements distinctive:
- NEFT narrations embed the bank code. Rows read like NEFT-BARB-… where BARB is the destination bank's IFSC prefix — e.g. BARB for Bank of Baroda, ICIC for ICICI. Useful for categorizing outgoing transfers by recipient bank.
- UPI rows show the direction. UPI entries read like UPI/…/DR or UPI/…/CR, marking debit vs credit directly in the narration.
- A COD column. IOB includes a transaction-code column between the cheque number and the amounts; the converter maps it to the right voucher side.
TRF entries and the balance trail
Many IOB rows are marked TRF (transfer). The running balance after every row is your best check — if the last converted balance matches the statement's figure, every row made it.
Convert an IOB statement in three steps
Upload your IOB statement PDF
Download the statement from Indian Overseas Bank NetBanking, then upload it. The tested file opened directly — no password needed.
Spot the 'NARATION' column
IOB's own header spells it 'NARATION' — a genuine quirk of their statements. The converter knows the layout, so it reads the column correctly.
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 and current account statements from Indian Overseas Bank. If your bank isn't IOB, 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.