Kotak is a mobile-first bank, and its statements read that way: a Kotak 811 account holder can rack up dozens of small UPI entries in a week, so a single month often runs to hundreds of rows of near-identical descriptions distinguished only by a long reference string. Kotak account statements are typically laid out as Date, Narration, Chq/Ref No, a withdrawal/deposit pair marked Dr and Cr, and a running Balance, with the reference number sitting in its own column rather than buried in the text. That running balance plus the closing figures printed on the statement give you two independent ways to check a conversion instead of eyeballing it.
- High-volume UPI months are handled row by row, so a hundred similar-looking entries stay a hundred distinct transactions.
- Withdrawal and deposit columns map to Debit and Credit, so the direction of every amount survives the conversion.
- A separate reference column is preserved rather than glued onto the end of the description.
- Password-protected e-statements are unlocked with the password you supply at upload, in memory, and the file is never stored.