IN
About Kotak statements
Kotak Mahindra Bank is a large Indian private bank, and like its peers it sends the e-statement as a password-protected PDF. Whether you bank in branch or online, the statement is the same monthly PDF, downloaded from Kotak Net Banking, where the e-statement downloads as a password-protected PDF.
The part a copy-paste can't handle is the layout. Kotak's statement leans on UPI narration with distinct Dr and Cr columns, and the e-statement comes password-protected. The converter reads all of that into its own columns instead of losing it.
Everything stays in INR (rupees) with DD/MM/YYYY dates. The password-protected e-statement is unlocked in your browser with the password you set — nothing is uploaded to be opened. If all you have is a printed copy you've scanned, that's fine — OCR reads it, and the balance is still checked at the end.
Once it's in Zoho Books, you reconcile the lines like any other import — the conversion just saves you the typing.
Why people convert Kotak to Zoho Books
Zoho Books reconciles from imported statements, and a Kotak feed isn't always available or current. Converting the PDF to a clean CSV gives Zoho exactly what its Import Statement screen wants, for any month you need.
For anyone reconciling Kotak against Zoho Books after the fact, the value is in not retyping. You keep the original PDF as your source, convert it, and reconcile the imported lines — the figures stay tied back to the statement.
Import a Kotak statement into Zoho Books
Zoho Books imports a CSV — there's no separate Zoho file, so you use the clean CSV.
- Convert the PDF above and download the CSV.
- In Zoho Books: Banking → pick the account → Import Statement.
- Upload the CSV and map Date / Description / Amount.
- Import, then categorise the lines.
The totals are checked first
Every file is reconciled first: opening balance plus money in, minus money out, should land on the closing balance. If it doesn't, you see it here instead of finding out inside Zoho Books.
Frequently asked questions
How does the Kotak statement go into Zoho Books?expand_more
No special file — Zoho Books imports a plain CSV, so you use the clean CSV from here. Go to Banking → your account → Import Statement, then map Date, Description and Amount. There's a preview before it commits, so you can check the columns matched before the lines post.
What does a Kotak statement look like?expand_more
Kotak's statement leans on UPI narration with distinct Dr and Cr columns, and the e-statement comes password-protected. The converter reads each of those into its own column, so the Zoho-ready CSV imports into Zoho Books cleanly.
How many months can I convert at once?expand_more
Whatever you download in one PDF from Kotak Net Banking, where the e-statement downloads as a password-protected PDF. A multi-month e-statement converts in a single pass, and the balance is checked across the whole file.
The Kotak e-statement asks for a password. Is that a problem?expand_more
Yes. You enter the password once and it's opened in your browser — the file isn't uploaded anywhere to be opened. After that it converts like any other statement.
Is it free?expand_more
Yes — the CSV downloads with no login and no charge to start.