IOB Bank Statement to Excel Converter — Free, Offline & Secure
Convert Indian Overseas Bank (IOB) savings, current, and NRE account statements from password-protected PDF to clean Excel or CSV — entirely inside your browser, in under 60 seconds. Whether you are a CA preparing bank reconciliation for ITR filing under AY 2026-27, a small business owner importing transactions into TallyPrime from your IOB current account, or a salaried employee generating income proof for a home loan, this tool produces structured, import-ready output from both IOB Connect NetBanking and IOB Connect app PDFs with zero data leaving your device.
StatementConverter runs on WebAssembly (WASM) — a sandboxed binary execution environment compiled directly inside your browser's local memory. When you drop your IOB statement PDF, decryption and parsing happen on your device with no network output of any kind. Your 15-digit account number, CIF ID, and all transaction data are never transmitted to any server, satisfying RBI data localisation directives and ICAI Code of Ethics Section 140 on client confidentiality.
Drag your IOB PDF onto the workbench below and enter your password when prompted: for NetBanking-downloaded PDFs, enter your 15-digit operative account number; for email e-statements, enter your CIF ID's first 4 digits followed by your mobile number's last 4 digits. Choose Excel or CSV, click Convert, and download your clean ledger — ready for TallyPrime BRS import, Zoho Books reconciliation, or ITR filing.
IOB PDF Conversion Tool — Drop Your Statement & Convert Here
Status: Secure Local Mode
⚡ 28,500+ IOB statements converted by Indian CAs, government employees & ITR filers — all processed on-device, zero server contact.
Live Privacy Status — Zero Upload, Zero Server Contact
Zero-Egress Vault
IOB statements are decrypted locally. Your account number and CIF ID never leave your device's browser memory.
IOB Statement PDF Password — Two Formats for NetBanking & Email
NetBanking (SB/CD)
15-Digit Account No.
Operative account number found on passbook/chequebook.
Email E-Statement
CIF(4) + Mobile(4)
First 4 digits of CIF ID + last 4 digits of mobile number.
IOB Multi-Line UPI & NEFT Narration Reconstruction
Proprietary multi-line reconstruction for complex IOB narrations, ensuring long UPI strings are perfectly isolated without bleeding.
Filtering IOB Interest, TDS & Header Rows from Transaction Data
Designed for CA workflows. Prevents interest credit blocks, page numbers, and header repetitions from contaminating IOB transaction data.
WASM Processing Speed — 5,000+ IOB Rows Per Minute Locally
Uses WebAssembly (WASM) to process 5,000+ rows per minute entirely in your local browser environment.
💼 For CAs & Accountants
Reconcile client statements faster for AY 2026-27. Get clean CSV files that map IOB Particulars to TallyPrime Narrations without shifting rows. Filters repeated headers and interest summaries automatically. Satisfies ICAI client confidentiality ethics.
📈 For ITR Filers
Convert your IOB Connect statements to Excel to verify quarterly interest payouts and TDS deductions. Matches exactly with Form 26AS/AIS declarations, helping you file ITR-1 or ITR-2 with complete financial accuracy.
📋 For Loan Applicants
Generate clean income proof files from IOB passbook downloads. Convert PDF statements to Excel so credit managers can calculate your debt-service coverage ratio (DSCR) for home or commercial loans without manual data entry.
Why This Tool Is Safe for Your IOB Account Data
Unlike BankStatementWizard and cloud-based converters that upload your Indian Overseas Bank statement to remote servers, StatementConverter processes everything inside your browser's WebAssembly sandbox — satisfying RBI data storage guidelines and the ICAI's client confidentiality obligations under Section 140 of the Code of Ethics.
How to Convert an IOB Bank Statement PDF to Excel — Step-by-Step Guide
Managing Indian Overseas Bank statement files requires careful attention to security, password requirements, and data structure irregularities. This manual outlines the exact operational steps to securely convert IOB Savings, Current, and Credit Card PDF statements to Excel (.xlsx) and CSV formats using local browser-native extraction tools.
Step 1: Unlock Your Password-Protected IOB PDF
Before extracting data, IOB bank PDF statements must be decrypted. The password varies depending on the download source.
IOB NetBanking PDF Password: Your 15-Digit Account Number
For statements downloaded directly from the IOB Connect NetBanking portal, the PDF is protected using your 15-digit Operative Account Number.
Example: 012301000004567
Where to Find Your IOB 15-Digit Account Number:
- Check the front page of your physical IOB passbook.
- Refer to your personalized IOB chequebook.
- Log into the IOB Connect app and check under account details.
IOB Email E-Statement PDF Password: First 4 CIF Digits + Last 4 Mobile Digits
For automated monthly e-statements delivered to your registered email address, the password is a combination of your CIF Customer ID and mobile number:
Example CIF: 12345678 | Mobile: 9876543210
Password:
12343210How to Retrieve Your CIF ID (Customer ID):
- Find it printed on your IOB passbook cover page or cheques.
- Check IOB Connect app → Profile section.
- IOB SMS Banking: You can also query bank info by sending SMS details to official numbers.
Step 2: Download Your IOB Statement PDF from IOB Connect
Extract statements directly from official IOB portals to guarantee original formatting and mathematical integrity.
How to Download IOB Statement from IOB Connect NetBanking Portal
- Log in to the official IOB Connect NetBanking Portal (iobnet.co.in) using your User ID and password.
- In the main menu, navigate to Accounts.
- Click on Download eStatement / Deposit / Loan Interest Details.
- Select Download SB/CDCC Statement.
- Choose your account, specify the exact date range, and click download. The file will be saved as a password-protected PDF.
How to Download IOB Statement from the IOB Connect Mobile App
- Open the rebranded IOB Connect app on your phone and log in using your 6-digit passcode.
- Tap on My Accounts from the dashboard.
- Select Account Statement or Detailed Statement.
- Choose your account, set the desired date range, and select the PDF output option to download directly to your device.
IOB SMS Banking Mini-Statements
For a quick list of your last 5 transactions, you can send an SMS containing MINI to 8424022122 from your registered mobile number. For help, dial the IOB toll-free customer care at 1800-890-4445 or 1800-425-4445.
Step 3: IOB's UPI, NEFT & IMPS Narration Wrapping — Why It Breaks Excel
Understanding why standard OCR converters fail to parse IOB statements correctly, resulting in corrupt running balances.
Why IOB Bank Statement Shows Blank Rows and Missing Amounts in Excel
IOB statements are known for generating long descriptions for UPI transactions, bulk salary credits, and complex IMPS reference paths. When a narration string exceeds the horizontal column width of the PDF, the IOB statement generation server wraps it into multiple separate lines.
Generic cloud converters interpret each wrapped line as an independent transaction row, yielding blank credit/debit cells and corrupting the ledger structure. This makes importing to Tally or Zoho nearly impossible without manual repair.
How StatementConverter Fixes IOB's Multi-Line Narration Splits
StatementConverter uses a specialized coordinate-based parser designed explicitly for IOB's formatting layout. Our engine tracks the absolute vertical bounding boxes of each cell. If it detects continuation lines in the narration column that lack corresponding dates or amounts, it seamlessly merges them back into a single description cell, guaranteeing 100% mathematical accuracy in the final Excel output.
Step 4: 100% Offline Processing — Your IOB Data Never Leaves Your Device
How StatementConverter complies with institutional security and regulatory data guidelines for IOB customers.
Zero-Upload WebAssembly Architecture for IOB Statement Security
Unlike online SaaS platforms (e.g., DocuClipper, Lido) which upload your files to cloud servers where financial details could be stored or indexed, StatementConverter compiles its parsing algorithms directly into WebAssembly (WASM).
When you drag and drop your IOB statement PDF, the decryption and extraction happen entirely in your browser's local RAM. No file is sent over the network, satisfying strict compliance frameworks:
RBI Data Localisation Compliance for Indian Overseas Bank Statement Processing
Complies with the Reserve Bank of India (RBI) guidelines for data localization and customer data protection, ensuring sensitive financial records remain within the localized device boundary.
ICAI Code of Ethics Section 140 — Safe for CA Client IOB Data
Meets the client data confidentiality obligations of Chartered Accountants (CAs) under the ICAI Code of Ethics Section 140, allowing safe conversion of client IOB ledgers.
Step 5: Import IOB Statement CSV into TallyPrime, Zoho Books & Busy
Mapping IOB statements to TallyPrime and Zoho Books for rapid Bank Reconciliation Statement (BRS) processes.
IOB Statement Column Mapping for TallyPrime & Zoho Books Import
To import the converted IOB CSV or Excel ledger into your accounting system without errors, align your system's bank reconciliation field mapping to our standard output columns:
| IOB Statement Row | TallyPrime Mapping | Zoho Books Mapping | Parsing Validation Rule |
|---|---|---|---|
| Date | Voucher Date | Transaction Date | Normalized to standard DD-MM-YYYY format. |
| Details / Particulars | Narration | Description | Combines wrapped multi-line descriptions. |
| Chq. No. / Ref. No. | Instrument Number | Reference Number | Isolates transaction reference codes. |
| Debit | Debit Amount | Payment (Dr) | Strips out regional currency characters. |
| Credit | Credit Amount | Receipt (Cr) | Ensures correct numeric parsing. |
Feature Comparison: How We Outperform Generic Converters
Many tools claim to convert bank PDFs, but standard cloud parsers fail on IOB bank statement layouts, custom fonts, password decryptions, and security regulations.
| Feature / Differentiator | StatementConverter (This Tool) | BankStatementWizard | financialconverter.com |
|---|---|---|---|
| Security Model | 🔒 100% Offline (WebAssembly) | ⚠️ Uploads to server | ⚠️ Server upload required |
| CIF Password Decryption | ✅ Handles password locally | ✅ Handles password (server) | ❌ No password support |
| Multi-Line UPI Narration | ✅ Coordinate-based merge | ⚠️ Standard row parsing | ❌ Splits into empty rows |
| Non-transaction Filtering | ✅ Filters TDS & quarterly summaries | ❌ Imports all rows | ❌ Leaves headers repetition |
| Device Compliance | ✅ RBI & ICAI Compliant | ❌ US-hosted servers | ❌ No privacy guidelines |
Free, Pro & Enterprise Plans for IOB Statement Conversion
Convert your statements using our local-first WebAssembly engine, or request a custom layout parsing template built specifically for your corporate statements.
Free Plan — Convert IOB Statements at No Cost
Convert up to 5 pages per day using our browser-local WebAssembly extraction sandbox. Perfect for basic individual tax filings.
- 5 PDF Pages per Day
- Local Sandbox Decryption
- Standard Excel / CSV Export
Pro Plan — Batch IOB Statement Conversion for CAs & Accountants
Unlimited statement extractions, multi-page ledger merging, and clean column exports optimized for professional audit reconciliation.
- Unlimited Extractions
- Tally / Zoho BRS Presets
- Multi-page Auto Reconciliation
Enterprise Custom Parser — White-Label IOB Statement Integration
Have an unsupported or highly custom bank statement? We will engineer a custom parsing template specifically for your statement format.
- $49 Initiation Fee (1 Bank Parser)
- 100 Free Pages to Try Features
- Unlocks 9 More with Annual Subscription
IOB Bank Statement Converter — Frequently Asked Questions
What is the password to open an IOB bank statement PDF?
Indian Overseas Bank uses two different PDF password formats depending on how you received the statement. For PDFs downloaded directly from IOB Connect NetBanking, the password is your full 15-digit operative account number (example: 012301000004567) — found on the front page of your IOB passbook or chequebook. For monthly e-statements sent automatically to your registered email, the password is the first 4 digits of your CIF ID (Customer ID) followed by the last 4 digits of your registered mobile number — for example, if your CIF is 12345678 and your mobile ends in 3210, the password is 12343210.
What is an IOB CIF ID and where do I find it?
CIF ID (Customer ID) is your unique 11-digit identification number assigned by Indian Overseas Bank — different from your account number or login ID. It is printed on the front page of your IOB passbook, on your account opening letter, and on your chequebook cover. You can also find it in your IOB Connect app under Profile, or by logging into IOB Connect NetBanking — it appears at the top of the account dashboard. The CIF ID is used to create your email e-statement PDF password (first 4 digits) and to log into the IOB Connect app.
How do I download my IOB bank statement from IOB Connect NetBanking?
Log in to IOB Connect NetBanking at iobnet.co.in using your User ID and password. From the main menu, navigate to Accounts → Download eStatement / Deposit / Loan Interest Details → Download SB/CDCC Statement. Select your account number, specify the date range, and click Download. The PDF saves to your device password-protected using your 15-digit account number. For custom date ranges beyond 6 months, use the Detailed Statement option. IOB Connect NetBanking supports statement downloads for up to 2 years of history.
How do I download my IOB statement from the IOB Connect mobile app?
Open the IOB Connect app (available on Google Play Store or Apple App Store) and log in using your 6-digit passcode or biometric ID. Tap My Accounts, select your account, then tap Detailed Statement. Choose your date range and select PDF output, then tap Download. The PDF will save to your device's downloads folder password-protected with your CIF(4) + Mobile(4) format.
Is it safe to use this tool with my IOB account number and CIF ID?
StatementConverter never transmits your IOB account number, CIF ID, or transaction data to any server. The entire decryption and conversion process runs inside your browser's local memory using a WebAssembly (WASM) engine — a sandboxed environment with zero network output permissions. Your device processes the file and exports the Excel or CSV locally. This architecture satisfies RBI data localisation requirements and complies with ICAI's Code of Professional Conduct Section 140 on client financial confidentiality — safe for CAs processing client IOB statements.
How do I import the IOB statement CSV output into TallyPrime?
Open TallyPrime and go to Gateway of Tally → Banking → Bank Reconciliation → Import. Select the CSV file exported from StatementConverter. IOB's standard output columns — Date, Details/Particulars, Chq. No./Ref. No., Debit, Credit, Balance — map directly to TallyPrime's bank reconciliation import template. The "Details/Particulars" column maps to TallyPrime's Narration field; all multi-line narrations have already been merged into single cells. For Zoho Books, go to Banking → your IOB account → Import Statement → upload the CSV; Zoho's auto-mapper recognises IOB's column structure automatically.
Why does my IOB bank statement have blank rows and missing amounts in Excel?
Indian Overseas Bank PDFs wrap long narrations — UPI payment references, bulk NEFT credits, IMPS transaction paths — across multiple lines within the PDF layout. Generic converters treat each wrapped line as a separate transaction, producing rows with a description but no date or amount, which corrupts the running balance and makes TallyPrime import impossible. StatementConverter's coordinate-based Multi-Line Cleave parser detects these continuation lines by checking whether they lack an associated date or amount, then merges them into a single narration cell — preserving 100% mathematical accuracy throughout the ledger.
How does the tool handle IOB's interest credit and TDS rows in the statement?
IOB savings and deposit account statements periodically insert non-transaction rows — quarterly interest credit summaries, TDS deduction entries, page headers that repeat mid-statement, and opening/closing balance summary lines. These contaminate ledger imports into TallyPrime and Zoho Books if not filtered. StatementConverter's Audit-Ready Logic module detects these IOB-specific non-transaction rows by pattern-matching against IOB's summary row format and excludes them from the transaction ledger, keeping only genuine debit and credit entries. The interest and TDS rows are preserved in a separate summary sheet if needed.
Can I convert multiple IOB statements for batch ITR or BRS work?
The Free plan supports single-file conversion. The Pro plan enables batch processing — upload multiple IOB statement PDFs simultaneously and download a merged Excel file covering multiple months or multiple accounts. This is designed for CAs handling multiple clients' Kotak statements for AY 2026-27 ITR filing, GST reconciliation, or bank reconciliation statement (BRS) preparation. Each file is still processed locally on your device; batch processing does not change the zero-upload architecture.
What should I do if my IOB PDF password is not working?
First, confirm which source you downloaded from: NetBanking-downloaded PDFs require your full 15-digit account number (no spaces); email e-statements require CIF(4) + Mobile(4). Common mistakes include entering the account number without leading zeros — IOB account numbers are always 15 digits, so a number starting with '0123' must be entered as '012301000004567' in full. If your CIF ID is not 4 digits long, use all available digits. If both formats fail, contact IOB customer care at 1800-890-4445 (toll-free) or visit iobnet.co.in to retrieve your account details.
Does this tool work with IOB NRE and NRO account statements?
IOB NRE (Non-Resident External) and NRO (Non-Resident Ordinary) account statements use the same PDF format and password conventions as domestic savings accounts. For NetBanking-downloaded NRE/NRO statements, the password is your 15-digit operative account number; for email e-statements, CIF(4)+Mobile(4) applies. StatementConverter's parser handles IOB NRE and NRO account statements fully, including SWIFT-format international transfer narrations and foreign currency transaction references. This is particularly relevant for Indian diaspora managing IOB NRE accounts for repatriation documentation and FEMA compliance.
How do I find my IOB 15-digit account number if I don't have my passbook?
Your IOB 15-digit operative account number appears on: the front page of your IOB passbook; your personalised chequebook; your debit card (printed or embossed on the front for some variants); account confirmation letters from the branch; and within the IOB Connect app under My Accounts → Account Details. If you cannot access any of these, log in to IOB Connect NetBanking at iobnet.co.in — the full 15-digit number is displayed in your account dashboard. Alternatively, call IOB's 24-hour helpline at 1800-890-4445.