Punjab National Bank statement analyser: Excel in, ITR-ready report out
Punjab National Bank statements are classic public-sector formats: terse, upper-case narrations that sometimes truncate the party name, and — since the merger with Oriental Bank of Commerce and United Bank of India — layouts that can vary a little between accounts. Greenote Lite extracts everything the narration actually contains and, crucially, refuses to invent what it does not: unreadable counterparties are marked Suspense, never guessed.
How to export your Punjab National Bank statement as Excel or CSV
- 1Log in to PNB internet banking and open the account statement view.
- 2Select the account and the date range for the period you need.
- 3Download the Excel or CSV version — in most portal versions it is offered alongside PDF.
- 4Upload the file as-is, even if the columns look different from another PNB account you've handled; layout detection is automatic.
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 (coming soon) will.
What Greenote Lite does with a PNB statement
PNB's terseness is the challenge, and the engine's honesty policy is the answer:
- All-caps, abbreviated narrations are parsed for mode keywords (NEFT, IMPS, UPI, TRF) and whatever party fragment survives; truncated names are matched conservatively so two different parties are never merged into one.
- TRF TO and TRF FROM rows are recognised as transfers, with direction taken from the amount columns rather than the words.
- Some PNB exports use a single amount column with a separate Dr/Cr type column — both this and the two-column layout are read.
- Accounts migrated from ex-OBC and ex-United Bank branches occasionally emit slightly different statement layouts; the table detector handles the variations without manual cleanup.
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.
PNB statement questions
Partially, and honestly. Rows with a readable fragment are grouped conservatively; rows where the counterparty is genuinely unrecoverable go to Suspense/Unknown so you can resolve them from vouchers rather than trusting a guess.
Typically yes. Post-merger PNB exports vary a little by account history, but the engine detects the transaction table and column meanings rather than expecting one fixed template.
PDF statements — Greenote Lite reads Excel and CSV only. If netbanking offers Excel next to PDF, take the Excel; the full Greenote desktop app (coming soon) is the one that will handle PDFs.
Try it on a real PNB statement
Your first statement is free — the trial processes the first 50 transactions so you can judge the quality end to end. No card, no signup wall, and the file is deleted the moment your report is ready.