Indian Bank Statement Download from INDSmart (2026): The Actual Process, Alternatives, and What Every Other Guide Gets Wrong

Quick Reference

Downloading Your Statement from INDSmart: The Actual Steps

This comes directly from @MyIndianBank on X (December 17, 2025), and I've confirmed it matches the current app behaviour as of February 2026:

And here's the part Indian Bank's own blog about INDSmart doesn't mention: the distinction between a statement and the mPassbook. More on that below.

The Password Is Your Account Number

The PDF password is your complete CBS account number, entered without spaces or special characters (CreditMantri, October 2025; confirmed by the email statement portal's behaviour at apps.indianbank.in/emailstatement). Unlike SBI, which uses the 11-digit account number, or Bank of India, which uses the first four letters of your name plus DDMM birth date (ClearTax, October 2025), Indian Bank keeps it simple: your account number is your password.

Worth knowing: if you're applying for a loan and the lender asks for a "password-free statement," you can't remove the password from the INDSmart-downloaded PDF without third-party tools. The email statement portal sends the same password-protected format. Your best bet in that case is a branch-printed statement with the bank's seal.

When INDSmart Doesn't Work: Alternatives That Do

The INDSmart app works fine, mostly. But "mostly" isn't good enough when you need a statement for a visa application by tomorrow. Here are your other options, ranked by speed.

WhatsApp Banking: The Underrated Option

Indian Bank's WhatsApp banking page confirms: send "Hi" to 8754424242, then follow Main Menu → Deposit Services → Email Statement. This sends a 30-day account statement to your registered email ID.

Now combine that with the password format from CreditMantri: the emailed PDF is password-protected with your account number. So you can get a 30-day password-protected PDF statement without opening INDSmart or net banking at all, just by sending "Hi" to 8754424242 on WhatsApp and following the menu. No other guide connects these two facts.

Email Statement Portal

There's a standalone portal at apps.indianbank.in/emailstatement that most Indian Bank customers don't know exists. You enter your account number, complete a CAPTCHA, and the bank sends a statement to your registered email. No net banking login required. No app required.

But here's the catch: the portal asks for your account number and a CAPTCHA only (which Indian Bank's own page doesn't mention, by the way). There's no date range selector visible on the landing page. The statement period you receive appears to be fixed at a recent period. For custom date ranges, you still need INDSmart or net banking.

Net Banking

Indian Bank's net banking is now at indianbank.bank.in after the domain migration. Go to Accounts, select your account, choose the date range, and download. If you already have net banking credentials, this is the most flexible option for custom date ranges beyond what the app offers.

Branch Visit

Carry your ID proof. Ask for a printed statement with the bank's seal. The branch can print any date range. There may be a nominal fee for physical copies. If a lender specifically asks for a sealed and signed hard copy, this is the only way.

5 Ways to Get Your Indian Bank Statement: Compared

No competing guide provides this comparison. Every data point below is sourced.

Sources: INDSmart app testing (Feb 2026), Indian Bank WhatsApp Banking page, Email Statement Portal, @MyIndianBank on X (Dec 2025)

Troubleshooting: The Problems Nobody Warns You About

The TPIN/MPIN Change Problem

This is the most consistent complaint in Google Play reviews. One reviewer wrote:

"The app works well overall as a banking platform, but the password policy needs improvement. Requiring users to change their TPIN and MPIN every 30 or 90 days is frustrating."

Google Play reviewer, INDSmart listing (as of February 2026)

If your MPIN has expired, you can't log in, and you can't download anything. The app forces you to reset before proceeding. This is a security policy, not a bug. But it hits you at the worst moment: when you actually need the statement and haven't opened the app in weeks.

The "Device Not Compatible" Error

A Google Play Community thread (October 2024) reports: "I can't download indsmart banking app in my mobile. Play store screen shows your device is not compatible with this version." Rooted or older Android devices may not be supported. INDSmart requires security features that rooted phones can't guarantee.

Login Failures from Outside India

A Reddit r/ios thread (March 2024) reported login issues with Indian banking apps when attempting to access them from abroad. If you're an NRI or travelling, the app may reject your login based on geo-location or network. Use net banking via a browser as your fallback; WhatsApp banking may also work if your registered number has international roaming enabled.

PDF Won't Open

Three things to check: (1) You're entering your full account number, not your CIF number or customer ID. (2) There are no leading or trailing spaces. (3) Your PDF reader supports encrypted PDFs. Adobe Acrobat Reader works. Some built-in phone PDF viewers don't.

Statement Not Showing All Transactions

If your downloaded statement seems incomplete, you may be looking at the mPassbook view instead of the full statement. They're different things. See below.

mPassbook vs. Statement: They're Not the Same Thing

INDSmart offers both "Download Statement" and "m-Passbook" (Play Store listing). The mPassbook shows a running log of transactions in the app, similar to your physical passbook. The downloadable statement is a formal PDF with your account details, transaction history for a specific period, and opening/closing balances. Loan officers, embassies, and auditors want the PDF statement. The mPassbook is for your own tracking.

RBI's New Digital Banking Rules and What They Mean for You

The RBI's Master Direction on Digital Banking Channels Authorisation, 2025, became effective January 1, 2026 (BFSI Economic Times, January 1, 2026; K&S Partners, February 2026). The key change: banks now need documented customer consent before registering you for digital banking services, including mobile banking apps like INDSmart.

What this means practically: if you haven't explicitly consented to INDSmart registration, the bank can't activate it on your account unilaterally. The guidelines also require transaction alerts, secure registration/deactivation options, and effective grievance redressal (AngelOne, January 6, 2026).

For statement downloads specifically, this doesn't change the process. But it does mean that if you're a new customer and INDSmart isn't activated on your account, you'll need to give explicit consent at the branch or through the app's registration flow before you can download anything.

INDSmart on the Web: What Just Launched

Indian Bank announced on Facebook (January 5, 2026) and Instagram (February 10, 2026): "Smart banking just got bigger. Experience the trusted IndSMART banking you know, now available on web interface." This is INDSmart's functionality on a browser, not just the old net banking portal. The bank's X account (@MyIndianBank) describes it as: "Access net banking seamlessly on the web, manage accounts, and enjoy secure transactions."

If statement download is available through the INDSmart web version (which it should be, given it mirrors the app's features), this becomes the best option for users who can't or won't install the app. Not great for people on public or shared computers, though; the same security precautions apply.

INDSmart by the Numbers