Which Banks Does UPI Audit Support? Complete List and Statement Format Guide

Supported Banks

UPI Audit is designed to work with bank statements from all major Indian banks. The app automatically detects your bank from the statement format and applies bank-specific transaction parsing rules. Currently supported with optimized parsers:

• HDFC Bank — fully supported; detects UPI/IMPS transactions in HDFC's tabular statement format
• State Bank of India (SBI) — fully supported; handles SBI's unique passbook-style PDF format
• ICICI Bank — fully supported; parses ICICI's date-amount-description format
• Axis Bank — fully supported; handles Axis's debit/credit column layout
• Kotak Mahindra Bank, Yes Bank, IndusInd, PNB, Bank of Baroda, Canara Bank — supported via a generic parser that works with standard Indian bank statement formats

If your bank isn't in the fully-supported list, the generic parser will still extract most UPI transactions correctly. The categorization engine works identically regardless of which bank issued the statement.

What Makes a Good Bank Statement PDF?

Not all bank statement PDFs are equal. For the most accurate analysis, you want a PDF that has:

• Selectable text — open the PDF and try to highlight text with your cursor. If you can select the text, it's a "native" or "digital" PDF that UPI Audit can parse perfectly.
• Clear transaction rows — each transaction on its own line with date, description/narration, debit amount, credit amount, and balance columns.
• Full transaction narrations — the description/narration column should contain the UPI reference and counterparty VPA (e.g., "UPI/ZOMATO@ICICI/Payment"). Truncated narrations reduce categorization accuracy.

What doesn't work: scanned/image PDFs (where you cannot select text), password-protected PDFs (upload will fail — decrypt first using your bank's password before uploading), and PDFs that only show a summary view without individual transactions.

HDFC Bank Statement Format

HDFC statements have a clean tabular format with columns for Date, Narration, Value Date, Debit Amount, Credit Amount, and Running Balance. UPI transactions appear in the narration as:

UPI/ref123456/ZOMATO@ICICI/Zomato Food

HDFC's PDF quality is consistently high — all digital statements from NetBanking and the app are natively digital and parse with very high accuracy.

Password: HDFC email statements are password-protected with your date of birth in DDMMYYYY format (e.g., 01012000 for January 1, 2000). Open and remove the password before uploading, or download a fresh unprotected copy from NetBanking.

SBI Bank Statement Format

SBI statements have a slightly different layout with columns for Txn Date, Value Date, Description, Ref No./Cheque No., Debit, Credit, and Balance. UPI transactions appear as:

TO TRANSFER-UPI/123456789/Payment/SWIGGY@ICICI

SBI statements from YONO have good text quality. Older branch-issued PDF statements sometimes use a scanned format — if text selection doesn't work, request a fresh digital statement from YONO app.

ICICI Bank Statement Format

ICICI statements are particularly clean. The narration column includes full transaction details:

UPI/AMAZON@ICICI/Amazon Order/ref:987654321

ICICI's digital statements (from NetBanking or iMobile) are high quality and parse with excellent accuracy. ICICI also provides the most detail in UPI narrations compared to other banks.

Axis Bank Statement Format

Axis statements use separate debit and credit columns with a narration field. UPI entries look like:

UPI-PHONEPE-RAZORPAY-9876543210@OKSBI

Axis occasionally includes additional reference text before the VPA. The parser handles this format reliably.

Tips for the Best Parse Results

1. Download directly from your bank's app or website — never use a third-party PDF converter or print-to-PDF from a scanned document.
2. Use 3–6 months of data — a single month may not show your full spending pattern (especially for annual subscriptions or irregular purchases).
3. If the parse shows very few transactions — try downloading the statement again directly from your bank's website (NetBanking) rather than the mobile app. NetBanking statements sometimes have cleaner formatting.
4. File size — UPI Audit accepts PDFs up to 25MB. A 3-month bank statement is typically 200KB–2MB, well within the limit.

Don't See Your Bank?

If your bank isn't listed above, try uploading your statement anyway — the generic parser covers most Indian bank formats. If it doesn't work or returns very few transactions, you can send us your bank name via the Contact page and we'll add specific support for it.

Troubleshooting: Few or No Transactions Detected

If your analysis shows far fewer transactions than you expected, work through this checklist:

• Is the PDF scanned? Try selecting text in the file. If you cannot, it is an image — download a fresh digital statement from net banking instead.
• Is it password protected? A locked PDF cannot be read. Open it, enter the password, and re-save an unprotected copy (see below).
• Is the period too short? A 7-day statement may genuinely contain only a handful of UPI payments. Use 3–6 months for a meaningful breakdown.
• Did you download a "summary" instead of a "detailed" statement? Some banks default to a summary view — always choose the detailed transaction statement.

How to Remove a Password From Your Statement

Most emailed bank statements are encrypted. The quickest way to create an unprotected copy: open the PDF in Chrome or Edge, enter the password when prompted, then use Print → Save as PDF to export a fresh, unlocked file. Because UPI Audit processes the file in memory and never stores it, this unlocked copy stays on your own device. You can also re-download an unprotected statement directly from net banking, which avoids passwords altogether.