Have these ready before you start
- Net-banking username + password (you'll log in fresh — many banks log you out of mobile when desktop logs in)
- Your customer ID / account number on hand for the password prompt
- A desktop or laptop (mobile apps cap statements at 3 months; desktop gives 12)
- About 5 minutes per account
Step by step
- 1
Log in to net banking
Use the bank's official portal (HDFC, SBI, ICICI, Axis, Kotak, Yes Bank are all supported). Avoid the mobile app for this step — desktop net banking has cleaner statement-export tools.
- 2
Find the statement section
Each bank labels it differently: HDFC 'Account → e-Statement'; SBI 'My Accounts → Account Statement'; ICICI 'Bank Accounts → e-Statement'; Axis 'Accounts → Statement'; Kotak 'Statements & Cheques'.
- 3
Choose PDF, 12 months, and download
Pick 'PDF' (not Excel or CSV — Sajag parses the bank's PDF format specifically). Set the date range to the last 12 months. Some banks cap a single statement at 6 months; in that case download two PDFs and upload both. The file downloads instantly (or arrives in your registered email — same PDF). Save it where you'll find it again.
- 4
Upload to Sajag
Drop the PDF into Sajag's bank-statement slot on the Income or Expenses step. Sajag will detect salary credits, EMI debits, and categorise every transaction.
Prefer a video walkthrough?
Portal UIs change often, so we link a curated YouTube search instead of one specific video. Pick whichever recent tutorial you like — they all show the same flow.
Watch on YouTubeIf the PDF asks for a password
Bank-specific. HDFC: usually 'Customer ID' in lowercase + DDMM of DOB. SBI: account number. ICICI: DOB DDMMYYYY. Axis: account number + DDMMYY. Kotak: customer ID. Sajag's parser tries common derivations automatically — most uploads unlock without you typing the password.
Sajag’s parser also tries common derivations automatically (PAN, DOB combinations, last-4 of mobile, bank-specific schemes). You usually won’t need to type the password during upload.
Common gotchas
Mobile-banking apps often only export 3 months at a time. Use desktop net-banking for 12-month exports.
If your salary account is at a bank Sajag doesn't yet parse natively, you can still manually add monthly income on the Income step — the rest of Sajag works the same.
Joint accounts: download from whichever spouse holds the account; member-tag the upload during onboarding so the income lands on the right person.
Don't pay for a 'certified statement' from the branch (fees vary by bank, usually per-page) — net-banking PDFs are the same data, free.
Portals you’ll use
Other download guides