Kotak Mahindra Bank statement analyser: Excel in, ITR-ready report out
Kotak Mahindra Bank exports are among the cleaner ones, with one twist: depending on where you export from, amounts may arrive as separate debit and credit columns, or as a single amount column with a Dr/Cr indicator beside it. Greenote Lite reads both layouts, so whichever flavour your client's netbanking produced, the report comes out the same.
Works with Excel and CSV statements from netbanking. Got a PDF? That is coming to the full Greenote desktop app.
How to export your Kotak Mahindra Bank statement as Excel or CSV
- 1Log in to Kotak net banking (or the mobile app) and open the account statement for the account.
- 2Choose the period — a custom range typically covers a full year in one download.
- 3Download in Excel or CSV format rather than PDF.
- 4Upload the file directly; both of Kotak's common column layouts are supported.
Menu names shift between netbanking versions, so treat the steps above as a guide — the constant is the format: take the Excel, XLS or CSV download, not the PDF. Greenote Lite does not read PDF statements; the full Greenote desktop app does, and is available now.
What Greenote Lite does with a Kotak statement
Kotak narrations tend to put the useful part early in the string, and the engine leans on that:
- Both amount layouts are handled: separate debit and credit columns, or one amount column with a Dr/Cr flag — the flag is parsed and the sign applied correctly.
- UPI and NEFT narrations typically include the counterparty name prominently, so party extraction on Kotak statements tends to be crisp; VPAs are kept as a second anchor.
- Mobile-banking transfer rows (MB-prefixed styles) are recognised as transfers rather than misread as merchant spends.
- The cheque/reference column is used to keep instrument numbers against cheque entries in the report.
The download is a four-sheet Excel workbook: a party ledger of who paid whom, every transaction categorised and named, a category summary, and an ITR summary with AIS/SFT flags. See why the party ledger comes first or the full statement-to-ITR workflow.
Kotak statement questions
Yes. The engine reads the Dr/Cr indicator and applies the sign, producing the same debit/credit split in the report as it would from separate columns.
Prefer the account statement export for the period under audit — it is the complete, ordered record. If you only have the other flavour, upload it anyway and check the row count matches the statement; the engine detects the table layout either way.
Yes — enter the password at upload. The file is processed in memory and deleted immediately after the report is generated.
Try it on a real Kotak statement
Your first statement is free — the trial processes the first 300 transactions so you can judge the quality end to end. Verify your email with a one-time code (no password, no card), and the file is deleted the moment your report is ready.