How to convert a Kotak Mahindra Bank bank statement into Tally

Step 1

Download your Kotak Mahindra Bank statement as a PDF

In Kotak net banking or the Kotak mobile app, open Accounts → Account Statement, pick the period, and download the PDF (Kotak statement PDFs usually open with your date of birth as DDMMYYYY). Make sure you export a text-based PDF — the kind net banking generates natively — rather than a scan or photo of a printed statement. Scanned images aren't machine-readable text; no converter, bank2tally included, can read those reliably yet, and it's better to know that before you upload than after.

Step 2

What's actually on a Kotak Mahindra Bank statement

Kotak Mahindra Bank e-statements print these columns, dates in dd-mm-yyyy:

Date · Narration/Description · Chq/Ref No · Withdrawal/Debit · Deposit/Credit · Balance

Kotak prints its statements with different column labels — some use Withdrawal/Deposit, others Debit/Credit. bank2tally reads both. A rare template it can't read is declined cleanly rather than converted wrongly, so your figures are never wrong.

Kotak Mahindra Bank follows the same general narration conventions as most Indian banks — NEFT, RTGS, IMPS or UPI codes identifying the transfer type, a cheque number where a physical cheque was used, and a running balance printed after every line.

Reading the narration

Transaction codes you'll see on almost any Indian bank statement

Bank narrations are terse by design, but the codes themselves are standard across banks, not bank-specific:

• NEFT — National Electronic Funds Transfer, a same-day batched transfer between banks.
• RTGS — Real Time Gross Settlement, for large-value transfers settled individually and immediately, usually above ₹2 lakh.
• IMPS — Immediate Payment Service, instant transfers available 24/7, typically for smaller amounts than RTGS.
• UPI — Unified Payments Interface, the handle- or QR-based transfers most retail payment apps use.
• ATM / POS — a cash withdrawal, or a card swipe at a point-of-sale terminal.
• CHQ / Chq No. — a cheque transaction, referenced by its cheque number rather than a digital transfer ID.
• B/F — “brought forward”, the opening balance carried over from the previous statement period.
• SI — a standing instruction: an automatic recurring payment you've already set up with the bank.

None of this changes how bank2tally maps a line to a ledger — the narration is matched against your rules regardless of which code it starts with — but recognising the code helps you sanity-check anything that lands in Suspense after import. See our guide to the Suspense ledger for how to clear those.

Step 3

Convert the PDF and import it into Tally Prime

Upload the statement on bank2tally and select Kotak Mahindra Bank — every row is read against its real column positions, not a generic PDF-table guess, then mapped to a ledger by narration. Anything unrecognised is posted to a Suspense ledger instead of being guessed at, so nothing is silently wrong in your books. Download the resulting XML and, in Tally Prime, go to Gateway of Tally → Import → Vouchers and select the file. The Payment and Receipt vouchers it creates are already balanced, so there's nothing further to reconcile before you start reviewing them line by line.

If Tally reports an error on import — a missing ledger, a voucher landing outside your financial year, or a duplicate from re-importing the same file — the fixes are usually quick; see our Tally XML import errors guide for the exact cause of each.

Why bank2tally

Built against Kotak Mahindra Bank's real layout, not a guess

Generic PDF-table extractors guess at columns from whitespace alone, and often get a layout like Kotak's wrong — flipping a debit for a credit, or losing a balance figure to a stray column. bank2tally's Kotak parser is built against Kotak Mahindra Bank's actual column positions, so the figures it hands to Tally match what's printed on the statement, not what a generic algorithm assumed should be there.

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