Automated bank statement analysis for India. Upload CSV or XLSX and get an instant analysis report — spending by category, income vs expenses, savings rate, and your biggest transactions. Works like converting your bank statement to Excel, but smarter.
16+ Indian banks
File never stored
No account needed
Instant results
What you get instantly
Bank Statement Analysis — What You Get Instantly
Upload once. Get a full spending breakdown with zero manual entry required.
Spending by Category
Food, Transport, Shopping, Bills — every transaction auto-categorised and totalled. See exactly where your money goes each month.
Month-by-Month Trends
Compare income vs expenses across months. Spot which months you overspent and identify your best savings months at a glance.
Automated Analysis with 600+ Rules
Automated bank statement analysis using 600+ merchant and keyword rules. Swiggy, Zomato, Amazon, Zepto, Ola, Uber, Netflix, and hundreds more Indian merchants and UPI IDs auto-detected.
Savings Rate Calculator
Instantly see what percentage of your income you saved. India's recommended benchmark is 20–30% — see exactly where you stand.
Bank Statement to Excel-Style Report
Get a structured breakdown just like an Excel pivot — totals by category, month-by-month rows, and sortable transaction data. No manual Excel work needed.
100% Private & Secure
Your file is processed in memory and deleted immediately after analysis. Nothing is stored. We do not require your NetBanking password — only the exported file.
Who uses this tool
Who Uses Bank Statement Analysis Tools
ITR Filing Preparation
Segregate business vs personal expenses before filing. The analyser categorises every debit and credit, making it easy to identify income sources for Section 44AD (presumptive taxation), track capital gains-related transactions, and prepare a clean income-expense summary for your CA or self-filing.
SIP & Investment Tracking
The tool automatically identifies recurring SIP debits to Zerodha Coin, Groww, Kuvera, MF utilities, and major AMCs. Spot insurance premium payments, NPS contributions, PPF transfers, and FD renewals — so you always know exactly how much you are investing each month.
Freelancer Expense Audit
Gig workers, consultants, and solopreneurs can reconcile their monthly ledger without complex accounting software. Identify international inward remittances from Payoneer, Wise, or Stripe. Separate client payments from personal spending. Generate a clean monthly P&L in minutes — no CA required for basic bookkeeping.
Loan Eligibility & Audit Trail
Banks and NBFCs assess your statement before approving home loans, personal loans, or business credit. Use this tool to review what a lender will see — identify irregular debits, check EMI-to-income ratio, and ensure your statement shows a clean repayment history before you apply.
Bank statement download guide
How to Convert Your Bank Statement to CSV or Excel
This tool requires CSV or XLSX format — not PDF. Here's how to export the right format from every major Indian bank.
HDFC Bank
Net Banking → My Accounts → Account Statement → Select date range → Download → Choose CSV format. Mobile: HDFC App → Accounts → View Statement → Download.
SBI
YONO App → Accounts → Account Statement → Set date range → e-Statement → Download CSV. Net Banking: SBI Online → Accounts → Account Statement → Download (select .csv or Excel).
Only have a PDF? Log back into your bank's net banking portal and look for "Download as Excel" or "Download as CSV" — most banks offer both formats. If only PDF is available, most bank PDFs can be re-downloaded as Excel by changing the export format in the statement download dialog.
How it works
How to Analyse Your Bank Statement in 3 Steps
1
Download your statement as CSV
Log into net banking or your bank's app. Download account statement in CSV or XLSX format for the period you want to analyse (1–12 months).
2
Upload it above
Drop the file in the upload zone. RozHisab auto-detects your bank format, parses every row, and categorises each transaction using 600+ merchant rules.
3
See your complete breakdown
Instantly view spending by category, income vs expense summary, savings rate, month-by-month trends, and your biggest transactions — all in seconds.
Supported banks & apps
Bank Statement Analyser — All Major Indian Banks Supported
HDFC BankState Bank of India (SBI)ICICI BankAxis BankKotak Mahindra BankBank of BarodaPunjab National BankIndusInd BankYes BankIDFC First BankFederal BankCanara BankUnion Bank of IndiaAU Small Finance BankPaytm Payments BankPhonePe CSVGoogle Pay CSVAny Indian Bank CSV
Frequently asked questions
Bank Statement Analysis — Frequently Asked Questions
Yes — 100% free with no hidden charges, no signup required, and no credit card. You can analyse your bank statement right now without creating an account.
Your bank statement file is processed entirely in server memory and deleted immediately after the analysis is complete. We do not store your transactions, account numbers, or any financial data. No NetBanking credentials are required — only your exported statement file.
CSV (.csv) or Excel XLSX (.xlsx). Most Indian banks let you download statements in these formats from their net banking portal or mobile app. If you only have a PDF, log back into your bank portal and look for "Download as Excel" or "Download as CSV" — most banks offer this option.
Yes. The analyser categorises all transactions including income credits, business expenses, investment debits (SIP, insurance, PPF), and loan EMIs. This helps you separate business vs personal expenses, identify Section 80C investments, and prepare an income and expense summary for ITR filing under any regime.
The engine uses 600+ keyword and merchant rules covering major Indian apps, brands, and banks. Typically 70–90% of transactions are accurately categorised. UPI transactions with clear merchant names (Swiggy, Zomato, Amazon) are reliably detected. For ambiguous NEFT/RTGS entries, results may vary.
Absolutely. Freelancers can identify client inward remittances (Payoneer, Wise, Razorpay, Stripe), separate business from personal expenses, and get a clean monthly P&L — all without accounting software. Ideal for reconciliation before filing ITR-3 or ITR-4.
You see an instant breakdown: spending by category, income vs expense totals, savings rate, and top transactions. To save your analysis, track budgets, and monitor trends over time, you can create a free RozHisab account and import your statement with one click.
Turn Your Bank Statement Analysis into a Monthly Habit
Create a free RozHisab account to import statements, set budgets, track investments, and forecast your spending — all in one place.