What is Bank Statement - How to Get Bank Statement Online & Download

  • Would you like to know your account opening and closing balance amount, say at the end of every month?
  • Would you like to know the details of all your financial transactions such as deposits, withdrawals, transfers, service charges, etc?
  • Would you also like to know and keep a tab on any unauthorized transactions, besides keeping a closer watch on your expenses?
  • Would you also like to know if there have been any uncashed cheques or if you have made any payments twice to the same entity or whether there are discrepancies in your opening and closing balance?

Welcome to the concept of a Bank statement, issued by banks to all its account holders at periodic intervals across various channels such as mail, email, SMS etc.

It is a simple,  yet profound way of recording every transaction not only helps you in managing your finances, it also lets you locate the red flags.

Akin to the traditional bahi khata, the book reflects your transaction details, both cash inflows, and cash outflows, over a period of time.

This kind of record keeping is super helpful as you know your book balance at the end of the day, you are aware of all transfers, and withdrawals and you also know the details of deposits and payments that have been made.

So basically, your book tells you from where your money has come and where the money has gone/ spent.

All financial entities typically maintain records of all their customers for at least a period of five years.


  • By reviewing your book details, at regular intervals, you are fully aware of incoming and outgoing cash as well as the headings under each transaction. 
  • By monitoring this document regularly,  you also become aware of any suspicious activity or mistakes with regards to the transaction amount.
  • It also serves as an important ' proof of income' when you apply for a loan etc.
  • It also depicts any service charge or a transaction fee or penalty charges that may have been levied.

Proforma of a typical book statement

It typically contains three parts:

  1. Account holder details
  2. Account details
  3. Transaction history

At the topmost left corner of the statement, you would find the following details:

  • Account number
  • Name of the branch, IFSC code, MICR code.
  • The holder's full name and mailing address as per the KYC docs submitted to the bank.
  • The period for which the document has been generated, the start and end date. 
  • In the body of this document, is the entire series of transactions that have been executed during that period.
  • The date on which each transaction was executed and some details of the payment (sender/receiver) would be depicted on the statement.
  • You have the option to select the timeframe for which you would want this document.

Such statements can be sourced via:

  • E-statements - which is sent on your registered email id and mobile number.
  • Physical copy which is sent to your postal address.

Your transaction details would reflect a combination of deposits, transfers, withdrawals and service charges such as:

  • Cheque deposits
  • Direct deposits
  • Electronic transfers
  • Cancelled cheque
  • Reimbursements
  • Credits
  • Debit card purchases and payments
  • ATM withdrawals
  • Bill payments
  • Service charges
  • Interest earned
  • Penalty charges


What is the difference between a mini and a bank statement?

In a mini-statement, you get access to view and print only your latest five or a maximum of ten transaction details. However, a bank statement displays your transaction details for a longer timeframe, a month, a year, or longer.

How do I download my book online?

It is a very simple process. All you need to do is simply log in to the official web portal of the bank in which you hold an account. Navigate through the homepage to locate the a-bank statement download option and press the tab. 

Is there an option to print my book?

Once you have generated your statement online, by navigating to the 'my account statement'  page, clicking on the relevant account number, having selected the specific timeframe ( days, weeks, months, years), you have the option to either print your book or view it online or save as a pdf file or excel.

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