How to Convert Union Bank Statement PDF to Excel & CSV
The Complete 2026 Guide
1. Quick Answer: How to Convert a Union Bank of India Statement to Excel
To convert a Union Bank of India (UBI) statement PDF to Excel, first download the statement from Union Bank NetBanking, the Vyom mobile app, or via WhatsApp banking, then unlock the password-protected PDF using the first 4 letters of your name in UPPERCASE + your date and month of birth in DDMM format. Then use an offline browser-based converter running on WebAssembly — your Union Bank data never leaves your device.
The entire process takes under 60 seconds: download → unlock → convert → verify → download Excel. No installation, no upload, no subscription required for basic use.
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StatementConverter offers 5 free conversions per day with no account required. For unlimited conversions, batch processing, and advanced features, Pro plans start at ₹2,799/month (billed annually).
2. Why Union Bank Account Holders Need Excel Conversion
Union Bank of India (UBI) is one of India's largest public sector banks, formed from the merger of Union Bank of India, Andhra Bank, and Corporation Bank. It serves millions of retail, business, NRI, and agricultural customers across savings accounts, current accounts, credit cards, home loans, personal loans, auto loans, and fixed deposits. Every month, Union Bank customers receive password-protected PDF statements — but a PDF is a viewing format, not a working format.
| Task | With Union Bank PDF | With Union Bank Excel/CSV |
|---|---|---|
| ITR filing | Manually copy 50–300 transactions into Excel for your CA | Export directly; your CA imports and categorizes in minutes |
| GST reconciliation | Cannot match GSTR-2B with Union Bank UPI/NEFT/RTGS payments | Filter by date, sort by amount, auto-match with supplier invoices |
| Tally import | No direct import path; manual ledger entry | CSV maps directly to Tally Prime's bank ledger format |
| Expense tracking | Scroll through pages to find a specific UPI transaction | Ctrl+F search, date filters, vendor grouping via pivot tables |
| Loan EMI tracking | Cannot calculate principal vs. interest breakup | Excel formulas auto-calculate EMI components |
| FD interest verification | No way to verify TDS on interest income | Filter "Interest Credit" entries, sum TDS amounts |
| mPassbook reconciliation | Cannot analyze digital passbook entries separately | Filter by source, track mobile banking vs. branch transactions |
| Audit support | Disorganized paper files | Chronological, searchable digital ledger with balance validation |
The Union Bank PDF problem is unique: Union Bank statements are not just PDFs — they are password-protected, multi-page, densely formatted documents with UPI IDs, IMPS references, NEFT narration, RTGS details, cheque numbers, EMI schedules, and running balances. Manual extraction is error-prone and time-consuming. For a CA firm handling 20 Union Bank client statements per month, manual conversion costs 10+ hours of billable time that could be spent on actual tax strategy.
3. Union Bank Statement Password Formats: The Complete Reference
Union Bank uses a standardized 8-character alphanumeric password format for all account statements. Entering the wrong password is the #1 reason users fail to convert Union Bank statements. Use this table as your definitive reference:
Union Bank Account Statement Passwords (Savings/Current)
| Source | Password Format | Example |
|---|---|---|
| All Account Statements (Primary) | First 4 letters of name (UPPERCASE) + DDMM of DOB | SHEE1502 (Name Sheena Kumar, DOB 15-Feb) |
| Alternative (if primary fails) | First 4 letters of name (UPPERCASE) + last 4 of account | SHEE1234 (Account ends in 1234) |
| mPassbook PDF | First 4 letters of name (UPPERCASE) + DDMM of DOB | SHEE1502 |
| Corporate Accounts | First 4 letters of company (UPPERCASE) + incorporation DDMM | ABCL1503 (Company ABC Ltd, inc. 15-Mar) |
| NRI Accounts | First 4 letters of name (UPPERCASE) + DDMM of DOB | RAJE0101 |
Critical Note: Union Bank uses an 8-character alphanumeric structure — exactly 4 letters (UPPERCASE) + 4 digits (DDMM). The password format is also displayed on-screen when you try to open the PDF.
Union Bank Credit Card Statement Passwords
| Source | Password Format | Example |
|---|---|---|
| Primary Format (Most Common) | First 4 letters of name (UPPERCASE) + DDMM of DOB | RAHU0106 (Name Rahul Sen, DOB 01-Jun) |
| Alternative (some statements) | First 4 letters of name (UPPERCASE) + last 4 of card | RAHU3456 (Card ends in 3456) |
Quick Password Lookup by Scenario
| Scenario | Try This Password First | Try This Second |
|---|---|---|
| Account statement from NetBanking/Vyom | First 4 letters (UPPERCASE) + DDMM | First 4 letters (UPPERCASE) + last 4 of account |
| Account statement via email | First 4 letters (UPPERCASE) + DDMM | First 4 letters (UPPERCASE) + last 4 of account |
| mPassbook PDF | First 4 letters (UPPERCASE) + DDMM | — |
| Credit card statement via email | First 4 letters (UPPERCASE) + DDMM | First 4 letters (UPPERCASE) + last 4 of card |
| Joint account statement | Primary holder's first 4 letters (UPPERCASE) + DDMM | — |
How to Determine Your "First 4 Letters" Correctly
- Use the name exactly as it appears on your Union Bank statement — not your Aadhaar or PAN.
- Exclude spaces and special characters — "Sheena Kumar" becomes `SHEE`, not `SHEEN` or `SHEEK`.
- For names with initials, include the initial as the first letter — "R. Tamilselvan" becomes `RTAM`.
- For names with initials after the name, use the full name first — "Jamuna Devi. R" becomes `JAMU`.
- For names shorter than 4 letters, use the full name — "Raj" becomes `RAJ` (only 3 letters).
4. How to Download Your Union Bank Statement (5 Methods)
Before you can convert, you need the PDF. Here are the five reliable ways to get your Union Bank statement.
Method 1: Union Bank NetBanking (Best for Desktop & Full History)
- Visit unionbankofindia.bank.in and login.
- Navigate to Account → Select your account number.
- Click Account Summary → Statement → Go → View Statement.
- Select date range, choose PDF, and click Download.
Method 2: Union Bank Vyom Mobile App (Fastest for Mobile Users)
- Open the Union Bank Vyom app on your device and login.
- Tap mPassbook or Accounts → Select your account number.
- Tap Advanced Option → Statement → Select date range and click PDF.
Method 3: Union Bank WhatsApp Banking (No App Required)
- Save 9666606060 in your contacts as "Union Bank".
- Send "Hi" to this number from your registered mobile number on WhatsApp.
- Register via OTP, then text "Account statement" and follow options.
Method 4: Email e-Statement (Automatic Monthly Delivery)
- Check your registered email inbox for emails from Union Bank of India.
- Look for the subject: "Account Statement for your Union Bank Account" or "Statement for your Union Bank Credit Card".
- Download the PDF attachment and open using your name + DOB password.
Method 5: SMS Banking (For Quick Balance & Mini-Statement)
Send SMS "UBAL" to 09223008486for balance, or "UMINI" to get a quick mini-statement. SMS does not support full statement downloads.
5. Step-by-Step: Convert Union Bank Statement to Excel
Once you have the password-protected PDF, follow this exact workflow.
Prepare Your PDF File
Rename the file descriptively (e.g. `UnionBank_Savings_FY2025-26.pdf`) and open it in a reader to ensure it is not corrupted.
Open the Converter
Go to getstatementconverter.com. The WebAssembly engine loads in browser RAM automatically.
Select Union Bank and Enter Password
Choose Union Bank of India in the bank selector, and type your name + DOB password. Drag and drop the PDF into the terminal.
Convert and Review
Click convert. Wasm processes the statement. Verify transaction row counts, opening balance, and closing balances in the preview table.
Download Your File
Select Excel (.xlsx) or CSV, and download. The file is saved locally from your browser cache.
6. What the Excel Output Looks Like
StatementConverter's Union Bank parser extracts the following columns:
| Column | Description | Example |
|---|---|---|
| Date | Transaction date in DD-MM-YYYY | 15-03-2026 |
| Description | Full transaction narration | UPI/CR/1234567890/ABC TRADERS |
| Debit | Amount withdrawn (negative cash flow) | 5,000.00 |
| Credit | Amount deposited (positive cash flow) | 25,000.00 |
| Balance | Running balance after transaction | 1,25,430.50 |
Special Union Bank Fields Preserved:
- UPI Reference Numbers: `UPI/CR/1234567890/...` preserved in full for audits.
- NEFT Reference Numbers: `NEFT/DR/123456/...` kept intact.
- RTGS Transaction IDs: `RTGS/123456789012/...` maintained.
- IMPS References: `IMPS/123456789012/...` extracted.
- Cheque Numbers: `CHQ/123456` extracted when present.
- Union Bank Charges: `CHG/ATM/WDL` or SMS charges categorized.
- mPassbook Specific: Mobile source metadata highlighted.
- WhatsApp Specific: Chat-banking source tags flagged.
7. Union Bank Credit Card Statement Conversion
Union Bank credit card statements have a different layout from savings account statements. They include merchant names, reward points, and auto-debits:
| Column | Description | Example |
|---|---|---|
| Date | Transaction date | 10-03-2026 |
| Description | Merchant or transaction detail | AMAZON.COM*Z2K9L3 |
| Amount | Transaction amount (always positive) | 2,499.00 |
| Type | Debit (purchase) or Credit (refund/payment) | Debit |
| Reward Points | Points earned | 25 |
Note: Union Bank credit card statements do not show running balances per transaction. The parser extracts credit limits and total amount due in a separate metadata sheet.
8.Union Bank Loan, FD & mPassbook Statement Conversion
Union Bank offers a wide range of financial products beyond basic banking, each with unique statement formats:
Union Bank Home Loan Statement
Typically includes disbursements, monthly EMIs with principal/interest breakups, part-payments, and outstanding principal balances.
StatementConverter extracts EMI dates, principal/interest components, total amounts, and outstanding principal.
Union Bank Fixed Deposit (FD) Statement
FD principal amounts, maturity dates, interest rates, and TDS interest deductions (verified against Form 26AS details).
StatementConverter extracts principal, maturity dates, interest credits, and TDS interest deductions automatically.
Union Bank mPassbook Statement
Digital passbook showing ATM withdrawals, mobile banking, and branch cash transactions.
Extracts all transactions and tags the source as "mPassbook" for easy bookkeeping filters.
9. Use Cases: ITR, GST, Tally, and Audit
For Individual Taxpayers (ITR Filing)
Verify salary receipts against Form 16, trace taxable savings/FD interest, track section 80 deductions (ELSS, PPF), and home loan EMI breakups (Section 24).
For GST-Registered Businesses
Match GSTR-2B credit profiles against actual NEFT/RTGS/UPI outflows, track reverse charge mechanism (RCM) payouts, and monitor Section 194C contractor TDS.
For Tally Prime Users
Tally Prime supports CSV import for bank reconciliation. The converted Union Bank CSV matches Tally's expected structure (Date, Narration, Debit, Credit).
For Chartered Accountants & Tax Audits
CAs conducting audits under Section 44AB can filter for deposits exceeding ₹10 lakh, search for high-value items, and validate parameters securely without violating client confidentiality.
10. Batch Processing: Multiple Union Bank Statements at Once
Accounting firms and businesses can convert entire folders of Union Bank statements in one step:
- Collect all Union Bank PDF files.
- Drag and drop them together into the terminal.
- Download as individual Excel files or merge into a single master ledger with a "Source File" identifier.
This reduces processing time for 20 monthly statements from 8+ hours manually to under 10 minutes.
11. Troubleshooting: Union Bank Conversion Errors Solved
Error 1: "Password Incorrect"
Ensure you are using first 4 letters of name in UPPERCASE + DDMM of DOB. Check for spaces. If this fails, try first 4 letters (UPPERCASE) + last 4 of account number.
Error 2: "No Tables Detected"
The statement is a scanned image (e.g. photos of physical books). Use the Scan Extractor (OCR) mode at 300+ DPI.
Error 3: Missing Transactions in Output
Some multi-line narrations wrap to new rows. Enable "Split Multi-Line Descriptions" in the advanced settings before parsing.
Error 4: Balance Does Not Match Passbook
Verify opening balance matches the first page. Check for page-break transactions split across consecutive pages.
Error 5: Credit Card Password Not Working
Ensure name is UPPERCASE. If DDMM fails, try first 4 letters (UPPERCASE) + last 4 of card number.
12. Frequently Asked Questions (FAQ)
What is the password for my Union Bank statement PDF?
For **Union Bank account statements** (savings/current/corporate/NRI), the password is the **first 4 letters of your name in UPPERCASE** + **your date and month of birth in DDMM format**. For example, if your name is "Sheena Kumar" and your date of birth is 15 February 1996, your password is `SHEE1502`. For Union Bank credit card statements, the password is also **first 4 letters of your name (UPPERCASE) + DDMM of DOB**.
Can I convert Union Bank statements without knowing the password?
No. Union Bank encrypts PDF statements to protect your financial data. You must know the correct password to open the PDF. However, once you open it in StatementConverter, you can download an unprotected Excel file for easier future access. Never share your password — it is tied to your personal identity.
Is it safe to convert Union Bank statements online?
Only if the converter is 100% offline. Cloud-based converters upload your Union Bank statement to their servers, creating a data breach risk. StatementConverter uses WebAssembly to process Union Bank statements inside your browser — your data never leaves your device. This is the only method compliant with ICAI confidentiality guidelines for CAs handling client Union Bank data.
Can I convert multiple Union Bank statements at once?
Yes. StatementConverter supports batch processing for Pro users. You can drag and drop multiple Union Bank PDFs, and they will be converted individually or merged into one consolidated Excel file. The free tier allows 5 conversions per day.
Does this work for Union Bank credit card statements?
Yes. Both Union Bank account statements and Union Bank credit card statements are fully supported, including password-protected PDFs. Credit card statements extract merchant names, transaction amounts, reward points, and EMI details. All Union Bank card types are supported including Visa, RuPay, and co-branded cards.
Can I import converted Union Bank statements into Tally Prime?
Yes. Tally Prime supports CSV import for bank reconciliation. StatementConverter's CSV output aligns with Tally's expected column structure (Date, Narration, Debit, Credit). Map the columns during Tally import, and your Union Bank ledger will populate automatically.
Will my Union Bank statement data be stored online?
No. With StatementConverter's WebAssembly architecture, your Union Bank PDF is processed entirely on your local device. No data is transmitted to any server, stored in any cloud, or retained after your browser session ends. This is the core privacy advantage over DocuClipper, Lido, and other cloud-based tools.
What if my Union Bank statement has 50+ pages?
StatementConverter handles multi-page Union Bank statements of any length. A full financial year statement (April–March) with 500+ transactions and 30+ pages processes in under 2 minutes. The Pro plan removes any page limits per document.
Can I convert scanned Union Bank passbook pages?
Yes, but only with OCR (Optical Character Recognition). Union Bank passbook pages are image-based, not text-based. Use the Scan Extractor mode, ensure the scan is 300+ DPI, and review the output carefully — handwritten entries or faded print may cause OCR errors.
How do I convert Union Bank statements for ITR filing?
1. Download the full FY statement (April to March). 2. Convert to Excel using StatementConverter. 3. Sort transactions by date. 4. Add a "Category" column: Salary, Interest, Rent, Utilities, Investments, EMI, mPassbook, etc. 5. Share the categorized file with your CA for ITR preparation.
Why does my Union Bank statement show different balances in Excel vs. PDF?
This usually happens because a transaction was split across a page break and missed, or Union Bank charges or interest credits were treated as regular transactions, or a reversal or correction entry was not captured. Always verify opening and closing balances. If they do not match, review the statement for summary rows or page-break transactions.
Is there a free way to convert Union Bank statements to Excel?
StatementConverter offers 5 free conversions per day with no account required. For unlimited conversions, batch processing, and advanced features like the analytics dashboard, Pro plans are available starting at ₹2,799/month (annual billing).
What is the Union Bank statement password for joint accounts?
For joint accounts, use the primary account holder's name (first 4 letters UPPERCASE) + their date and month of birth (DDMM). If that fails, try the second account holder's details. The password is generated based on the primary account holder's information.
Can I download Union Bank statements older than 1 year?
Union Bank NetBanking and the Vyom app allow you to download statements for up to the last 1 year. For statements older than 1 year, you can request via email e-statement archives, visit your nearest Union Bank branch, or contact customer care at 1800-208-2244.
How do I download a password-free Union Bank credit card statement?
You can download a password-free Union Bank credit card statement from the Union Credit Card App: Login to Union Credit Card App → Go to Account Summary → View Statement → Select the period and tap Download → Save the PDF. This version has no password. Alternatively, use NetBanking: Cards → Credit Cards → e-Statement → Download.
How do I enable e-statements for my Union Bank account?
1. Log in to Union Bank NetBanking. 2. Navigate to Account → e-Statements. 3. Register your email address. 4. Union Bank will start sending monthly e-statements automatically. Monthly e-statements are free.
What is the difference between Union Bank e-Statement and mPassbook?
Union Bank e-Statement is a periodic (monthly/quarterly) PDF sent via email or downloaded from NetBanking. It shows transactions for a specific period and is password-protected. Union Bank mPassbook is a digital passbook available through the Vyom app that updates in real-time. It shows all transactions since account opening and can be downloaded as a PDF at any time. Both are supported by StatementConverter.
Can I get my Union Bank statement via WhatsApp?
Yes. Union Bank offers WhatsApp Banking at 9666606060. Save this number, send "Hi", complete the registration, and then text "Account statement" to receive your statement PDF via WhatsApp. This service supports 7 different languages and does not require any app download.
13. Conclusion
Converting Union Bank of India statements from PDF to Excel is not just a convenience — it is a financial compliance necessity for ITR filing, GST reconciliation, Tally bookkeeping, EMI tracking, and audit preparation. With millions of Union Bank customers — including the merged Andhra Bank and Corporation Bank customer bases — and password-protected PDFs that use a standardized 8-character UPPERCASE format, having a reliable, secure, and Union Bank-specific converter is essential.
StatementConverter is the only tool that combines Union Bank-specific format detection (handling the UPPERCASE name + DDMM password format, name + last 4 digits of account alternative, mPassbook/WhatsApp source tagging, and multi-page statements) with absolute offline privacy via WebAssembly. Whether you are an individual taxpayer preparing for ITR, a business owner tracking GST payments, a farmer managing agricultural income, or a CA firm managing 20 client Union Bank accounts, the workflow is the same: download, unlock, convert, verify — done in under a minute.
Ready to convert your Union Bank statement?
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