IN
About PNB statements
PNB (Punjab National Bank) is one of India's biggest public-sector banks, and its e-statement PDF is password-protected. For a high-street account like this, the statement is a normal monthly PDF you pull from PNB net banking, where the e-statement downloads as a password-protected PDF.
It helps to know how the statement is put together. PNB still gives cheques their own Instrument/Cheque No column next to the UPI and NEFT narration, in a password-protected PDF. A plain PDF export flattens that structure; the converter keeps each piece in its own column.
Dates on the statement read as DD/MM/YYYY and amounts are in INR (rupees). The e-statement comes password-protected — you type that password in once and it's opened right here in your browser, so the file isn't sent off anywhere to be opened. Even a scanned or photographed statement is fine; OCR reads it into the same columns, and the balance check still runs.
Once it's in Zoho Books, you reconcile the lines like any other import — the conversion just saves you the typing.
Why people convert PNB to Zoho Books
Zoho Books reconciles from imported statements, and a PNB 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.
The common case is a bookkeeper handed a folder of PNB PDFs and told to "get these into Zoho Books." Converting each one is far quicker than retyping, and the balance check means you trust the totals before they land in the books.
Import a PNB 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
The converter checks the maths before handing you the file — so if a transaction dropped out of the PDF, you know about it now, not when the Zoho Books balance is off.
Frequently asked questions
What file does Zoho Books take?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's on a PNB statement?expand_more
PNB still gives cheques their own Instrument/Cheque No column next to the UPI and NEFT narration, in a password-protected PDF. 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 PNB 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.
My PNB PDF is password-protected — does that work?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.