PSB UnIC Parser
Ledger Extraction Engine
The definitive parser for Punjab & Sind Bank PDF statements. Engineered to decode 14-digit account passwords with zero server exposure.
PSB Workbench
Status: Secure Local Mode
Vault Protocol
Sovereign Encryption
PSB statements are processed in volatile browser memory. No data persistence, no analytics.
Decryption Schema
Standard Format
14-Digit Account No.
Your full Punjab & Sind Bank Account Number.
Warning
Do not use PNB's 16-digit format!
PSB UnIC Parsing
Proprietary parsing for Punjab & Sind Bank's mobile app PDF layouts, ensuring long transaction strings perfectly isolate without bleeding.
Audit-Ready Logic
Designed for CA workflows. Prevents interest summary blocks, page numbering, and header repetition from contaminating transaction data.
Hardware Acceleration
Uses WebAssembly (WASM) to process 5,000+ rows per minute entirely in your local browser environment.
The Definitive Guide to Converting Punjab & Sind Bank Statements to Excel Offline
Managing Punjab & Sind Bank statement files requires careful attention to security, their specific password requirements, and data structure irregularities. This manual outlines the exact operational steps to securely convert PSB Savings and Current account PDF statements to Excel (.xlsx) and CSV formats using local browser-native extraction tools.
01. Decryption Syntax
Before extracting data, Punjab & Sind Bank PDF statements must be decrypted. The password utilizes a strict numeric pattern based on your account structure.
Standard Account Password Syntax
The password to open Punjab & Sind Bank PDF statements is exactly your 14-digit Account Number.
Example: Acct: 12345678901234
Password: 12345678901234
Important Note on Confusion:
- Many users confuse Punjab & Sind Bank (PSB) with Punjab National Bank (PNB). PNB uses a 16-digit account number or customer ID structure. Ensure you are using the 14-digit PSB number.
02. Download Pipeline
Extract statements directly from official PSB portals to guarantee original formatting and mathematical integrity.
Via PSB UnIC Mobile Banking
- Log in to the official PSB UnIC app using your MPIN or biometric login.
- In the dashboard, navigate to Account Details and tap Statement Generation.
- Select your account and specify the exact custom date range.
- Trigger the Download PDF function to save the encrypted file to your local device.
Through NetBanking (Desktop)
- Access the Punjab & Sind Bank NetBanking portal and log in.
- Click on Accounts and select your operative account.
- Choose Account Statement, select your dates, and export as PDF.
03. Narration Column Bleed
Understanding why standard OCR converters fail to parse PSB statements correctly, resulting in corrupt running balances.
The Multi-Line Overlap Problem
Punjab & Sind Bank statements frequently generate long descriptions for NEFT transfers, salary credits, and bulk payments. When a narration string exceeds the horizontal column width of the PDF, the generation server wraps it into multiple separate lines.
Standard conversion tools interpret each wrapped line as an independent transaction row, yielding blank credit/debit cells and corrupting the ledger structure. This makes importing to accounting systems nearly impossible without extensive manual repair.
Our Solution: Smart Coordinate Extraction
StatementConverter uses a specialized coordinate-based parser designed explicitly for PSB formatting layouts. 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.
04. Local WASM Sandbox
How StatementConverter complies with institutional security and regulatory data guidelines for PSB customers.
Zero Egress WebAssembly Architecture
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 Punjab & Sind Bank 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 Payment Guidelines
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 Privacy Codes
Meets the client data confidentiality obligations of Chartered Accountants (CAs) under the ICAI Code of Ethics Section 140, allowing safe conversion of client ledgers.
05. ERP Integration
Mapping PSB statements to TallyPrime and Zoho Books for rapid Bank Reconciliation Statement (BRS) processes.
Column Mapping Configuration
To import the converted CSV or Excel ledger into your accounting system without errors, align your system's bank reconciliation field mapping to our standard output columns:
| PSB Statement Row | TallyPrime Mapping | Zoho Books Mapping | Parsing Validation Rule |
|---|---|---|---|
| Txn Date | Voucher Date | Transaction Date | Normalized to standard DD-MM-YYYY format. |
| Particulars | Narration | Description | Combines wrapped multi-line descriptions. |
| Chq/Ref No. | Instrument Number | Reference Number | Isolates transaction reference codes. |
| Withdrawals | Debit Amount | Payment (Dr) | Strips out regional currency characters. |
| Deposits | Credit Amount | Receipt (Cr) | Ensures correct numeric parsing. |
Pricing Plans & Custom Parser Services
Convert your statements using our local-first WebAssembly engine, or request a custom layout parsing template built specifically for your corporate statements.
Free Tier
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 License
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
Custom Parser
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
Forensic Logic FAQ
What is the PSB Bank statement password?
The password is your 14-digit account number. Note: Do not confuse this with the 16-digit PNB format.
Can I use a converted Punjab & Sind Bank statement for ITR filing?
Yes. The structured Excel output from StatementConverter is accepted by CAs and tax consultants for ITR preparation. The output includes every PSB transaction with date, narration, debit, credit, and balance — the information required to identify salary credits, interest income, and business receipts for income declaration.
Can the statement be used for a loan application?
Yes. StatementConverter converts Punjab & Sind Bank PDF statements to Excel format accepted by home loan and personal loan processors. Lenders use the output to verify salary credits, average monthly balance, and existing EMI obligations under RBI income documentation requirements.
Does it handle multi-page PSB statements?
Yes. Punjab & Sind Bank PSB UnIC statements spanning multiple pages are processed as a single continuous extraction. StatementConverter merges all transactions across page breaks into one uninterrupted Excel table, with no duplicate headers or missing rows between pages.
Are multi-line narrations in PSB statements handled correctly?
Yes. Punjab & Sind Bank statements frequently produce NEFT and UPI reference descriptions that wrap across two lines in the PDF. StatementConverter's Smart Cleave algorithm merges these split narrations into single Excel cells, ensuring every transaction is represented as one complete row.