An HDFC savings statement is one of the denser layouts in Indian retail banking. It carries seven printed columns — Date, Narration, Chq./Ref. No., Value Date, Withdrawal (Dr), Deposit (Cr) and Closing Balance — and the Narration column does most of the damage. A single UPI, NEFT or IMPS entry routinely runs past the column width and wraps onto two or three physical lines, so a converter that treats every line as a transaction will invent rows that were never there. The statement also prints a running Closing Balance on every row and a STATEMENT SUMMARY block at the end, which together make it possible to check the conversion rather than trust it.
- Wrapped narrations are rejoined, so a three-line UPI reference stays one transaction instead of becoming three.
- Withdrawal (Dr) and Deposit (Cr) map to the Debit and Credit columns, keeping the direction of every amount intact.
- Password-protected e-statements are handled — supply the password at upload and the file is unlocked in memory.
- The row-by-row Closing Balance and the printed STATEMENT SUMMARY are both used to verify the output, so a dropped or duplicated row shows up as a DISCREPANCY instead of passing silently.