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.
Works with Excel and CSV statements from netbanking. Got a PDF? That is coming to the full Greenote desktop app.
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 does, and is available now.
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 handles PDFs directly - it is available now at greenote.app.
Try it on a real PNB 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.