Managing your finances starts with keeping track of your bank statements. If you’re an Axis Bank customer, you’ll be happy to know that downloading your account statement has become easier than ever before. Whether you need it for loan applications, tax filing, or just tracking your expenses, this guide covers everything you need to know about Axis Bank statements in 2025.
Bank statements are more than just pieces of paper. They’re official records of every transaction that happens in your account. Many people need these statements when applying for business loans, home loans, or even when filing their income tax returns.
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What is an Axis Bank Statement?
An Axis Bank statement is a detailed record of all transactions in your savings or current account over a specific period. This document shows your deposits, withdrawals, balance details, and other banking activities. Banks generate these statements monthly, but you can request them for any timeframe you need.
Your statement includes important information like transaction dates, description of each transaction, debit and credit amounts, and your running balance. This becomes particularly useful when you’re applying for business loans or need to prove your financial stability.
Why Do You Need Your Bank Statement?
Before we jump into the download process, let’s understand why bank statements matter. First, they’re required when you apply for any type of loan. Whether it’s a home loan, loan against property, or business loan, lenders want to see your banking history.
Second, statements help you track your spending patterns. You can identify where your money goes each month and make better financial decisions. Third, they’re essential for tax filing purposes. Your CA needs these statements to prepare accurate returns.
Fourth, if there’s any dispute about a transaction, your statement serves as proof. Banks use these records to resolve customer queries. Lastly, many visa applications require bank statements as proof of financial stability.
Types of Axis Bank Statements Available
Axis Bank offers different types of statements depending on your needs. Let’s break them down.
Regular Account Statement
This is the most common type. It shows all transactions in your savings or current account for the period you select. You can get statements for the last three months, six months, or even up to five years.
Mini Statement
A mini statement shows your last 5-10 transactions. It’s quick and perfect when you just need a snapshot of recent activity. You can get this through SMS, ATM, or mobile banking within seconds.
E-Statement
E-statements are digital versions sent to your registered email address. Axis Bank sends these automatically every month. They’re as valid as physical statements and accepted by most institutions.
Loan Statement
If you have a home loan, personal loan, or loan against property with Axis Bank, you can download a separate loan statement. This shows your loan details, EMI payments, outstanding balance, and interest charged.
How to Download Axis Bank Statement Online
The online method is the fastest and most convenient. Here’s how you can do it through different channels.
Method 1: Internet Banking
Log in to Axis Bank’s internet banking portal using your customer ID and password. Once you’re logged in, go to the ‘Account’ section from the main menu. Click on ‘Account Statement’ or ‘View Statement’ option.
Select the account for which you need the statement. Choose the period – you can select from predefined options like last month, last three months, or enter custom dates. Pick your preferred format – PDF is most common, but you can also choose Excel or CSV.
Click on ‘Generate Statement’ or ‘Download’ button. The system will process your request and generate the statement. Save the PDF file to your computer or phone. The entire process takes less than two minutes.
Many customers prefer this method because it’s available 24/7. You don’t need to visit a branch or wait for business hours. Plus, you can download statements for multiple accounts in one session.
Method 2: Mobile Banking App
Open the Axis Mobile app on your smartphone. Log in using your credentials or biometric authentication. Tap on the account for which you need the statement from the home screen.
Look for ‘Statement’ or ‘Account Statement’ option in the menu. Select the date range for your statement. The app usually offers options like last 30 days, last 90 days, or custom dates.
Choose the format – PDF is standard for most purposes. Tap ‘Download’ or ‘Email Statement’ button. If you choose download, the file saves to your phone. If you select email, it goes to your registered email address.
The mobile app method is perfect when you’re on the go. Many customers use this when they suddenly need a statement for loan applications or other urgent requirements. The app interface is user-friendly and doesn’t require technical knowledge.
Method 3: Email Request
You can also request your statement via email. Send an email to Axis Bank’s official customer care email from your registered email address. In the subject line, mention ‘Request for Account Statement.’
In the email body, provide your account number, customer ID, and the period for which you need the statement. The bank will verify your identity and send the statement to your registered email within 24-48 hours.
This method works well if you’re having trouble accessing internet or mobile banking. However, it takes longer compared to other online methods.
How to Download Axis Bank Statement Offline
Sometimes you might prefer visiting a branch or using an ATM. Here are the offline methods.
Method 1: Branch Visit
Visit your nearest Axis Bank branch during working hours. Carry a valid ID proof like Aadhaar card, PAN card, or passport. Also bring your passbook if you have one.
Fill out the account statement request form available at the branch. Mention the period for which you need the statement. Submit the form along with your ID proof to the customer service desk.
The bank will process your request. For recent statements, you might get it immediately. For older records, it may take 2-3 working days. Some branches charge a nominal fee for physical statements beyond a certain period.
Branch visits are useful when you need certified statements. For mortgage loans or legal purposes, banks often require statements with an official stamp and signature, which you can only get from the branch.
Method 2: ATM
Insert your Axis Bank debit card in any Axis Bank ATM. Enter your PIN. Select ‘Mini Statement’ from the menu options. The ATM will print a small receipt showing your last 5-10 transactions.
This method only works for mini statements. You cannot get detailed statements for longer periods through ATM. However, it’s perfect for quick balance checks or recent transaction history.
Method 3: Passbook Printing
If you have an Axis Bank passbook, you can get it updated at any branch. Visit the branch and use the passbook printing machine. Insert your passbook in the machine, and it will automatically print all recent transactions.
This traditional method is still popular among many customers, especially those who prefer physical records. Your passbook serves as a statement and can be used for various purposes.
How to Download Axis Bank Loan Statement
If you have taken a loan against property, home loan, or any other loan from Axis Bank, you can download your loan statement separately.
Online Method
Log in to Axis Bank internet banking or mobile app. Go to the ‘Loans’ section. Select the loan account for which you need the statement. Click on ‘View Statement’ or ‘Download Statement’ option.
Choose the period – you can get statements from loan sanction date to current date. Download the PDF file. This statement shows your loan details, EMI payment history, principal and interest breakup, outstanding balance, and prepayment details if any.
Loan statements are crucial when you’re applying for additional credit. Lenders check your repayment track record through these statements. If you’re planning to apply for a business loan or MSME loan, having a clean loan repayment history significantly improves your chances.
Offline Method
Visit your Axis Bank home loan branch or the branch where your loan account is maintained. Request for a loan statement mentioning the required period. The bank will provide a detailed statement, usually within 2-3 working days.
Common Issues and Solutions
Many users face certain challenges while downloading statements. Let’s address them.
Forgot Login Credentials
If you’ve forgotten your internet banking password, click on ‘Forgot Password’ on the login page. Follow the steps to reset it using your registered mobile number and email. For mobile app issues, you can reinstall the app and use ‘Forgot Password’ option.
Statement Not Generating
Sometimes technical glitches prevent statement generation. Try clearing your browser cache or using a different browser. If using the mobile app, make sure it’s updated to the latest version. You can also try after some time during non-peak hours.
Email Not Received
E-statements sometimes land in spam folders. Check your spam or junk mail folder. Add Axis Bank’s email address to your contacts to prevent this. If you still don’t receive statements, update your email address in your bank records.
Unable to Download PDF
This usually happens due to browser settings or pop-up blockers. Enable pop-ups for the Axis Bank website. Make sure you have a PDF reader installed. Try using a different browser or device.
How Bank Statements Help in Loan Applications
When you apply for loans, statements play a critical role in approval decisions. Banks analyze your statements to check several factors.
First, they verify your income. Regular salary credits or business income deposits show your repayment capacity. Second, they check your spending patterns. High expenses or frequent bounced transactions can negatively impact approval chances.
Third, lenders look at your existing loan EMIs. If your EMI-to-income ratio is too high, you might face rejection. Fourth, they check for any loan settlements or write-offs, which hurt your CIBIL score.
Many business owners need statements when applying for working capital loans or cash credit facilities. Your bank statement serves as proof of business turnover and cash flow.
If you’re applying for a loan against property, lenders want to see at least six months of statements. They check consistency in income and ensure you can afford the EMI.
Tips for Maintaining Good Banking Records
Keeping your bank account in good shape helps during loan applications. Here are some practical tips.
Always maintain a healthy balance in your account. Avoid keeping it at zero frequently. This shows financial stability. Make sure your EMIs never bounce. Even one bounced EMI can severely damage your credit score.
Keep track of all transactions. Review your statement monthly to spot any unauthorized transactions. Report discrepancies immediately to the bank. Regular monitoring helps prevent fraud and identity theft.
Avoid too many small transactions. Multiple small withdrawals or deposits might raise red flags during loan processing. Maintain a clear pattern of income and expenses. This makes it easier for lenders to assess your profile.
If you have a business, maintain separate accounts for business and personal use. This clarity helps when you apply for business loans without ITR.
Importance of E-Statements
E-statements have become the preferred choice for many reasons. They’re environmentally friendly – no paper waste. They arrive instantly in your inbox every month, so you never miss a statement.
E-statements are easy to organize and store digitally. You can save them in folders by year and month. They’re also more secure than physical statements. Paper statements can be lost, damaged, or accessed by unauthorized persons.
Most importantly, e-statements are accepted everywhere. Whether you’re applying for a home loan, project loan, or mortgage loan, digital statements work perfectly fine.
How Long Should You Keep Bank Statements?
Financial experts recommend keeping statements for at least three years. This covers the period for most tax audits and legal requirements. For business owners, keep statements for seven years, especially if you claim business loan tax benefits.
If you’ve taken a long-term loan like a home loan or loan against property, keep all statements until the loan is fully closed. These serve as proof of repayment.
For investment-related statements, keep them until you sell the investment and file taxes for that year. Credit card statements should be retained for at least one year.
Axis Bank Statement for Visa Applications
Many countries require bank statements when you apply for a visa. Most embassies ask for six months of statements. Your statement should show regular income, healthy balance, and consistent banking activity.
Avoid large deposits just before applying for visa. Immigration officers check for this. Your statement should reflect your actual financial status. If you’re self-employed, your business account statements matter too.
Make sure your statements are not older than one month at the time of application. Download fresh statements just before submission. Some countries require stamped and signed statements from the bank, so plan a branch visit if needed.
Comparison: HDFC vs Axis Bank Statement Download
Many customers ask about differences between banks. Both HDFC Bank and Axis Bank offer similar online facilities. However, Axis Bank’s mobile app interface is slightly more intuitive for statement downloads.
HDFC requires you to register for e-statements separately, while Axis Bank automatically sends them. Both banks offer SMS and missed call services for balance checks. The charges for physical statements are comparable.
In terms of loan processing, both banks accept digital statements from any bank. So whether you have an Axis account or HDFC account, your statement works equally well for loan applications.
Understanding Your Statement Details
Your Axis Bank statement contains several columns. The date column shows when each transaction occurred. The description explains what the transaction was – ATM withdrawal, UPI payment, salary credit, etc.
The debit column shows money going out of your account. The credit column shows money coming in. The balance column shows your account balance after each transaction. The reference number helps track transactions if you need to raise any query.
Understanding these details helps when you’re preparing financial documents for loan applications. Lenders scrutinize every detail, so knowing how to read your statement is important.
Security Tips for Downloaded Statements
Bank statements contain sensitive information. Always download statements only on secure, private devices. Avoid using public computers or unsecured WiFi networks.
Password-protect your statement PDFs before storing them. Don’t share statements on social media or public platforms. When emailing statements for loan applications, use secure email services.
Delete old statements from your email after downloading and storing them securely. Keep digital copies in password-protected folders. If you print statements, store them safely and shred them before disposal.
How Statements Impact Your Credit Score
Your bank statement indirectly affects your CIBIL score. While bureaus don’t directly access your statements, the banking behavior reflected in statements matters.
Bounced EMIs due to insufficient balance harm your score badly. Regular salary credits and disciplined spending show financial responsibility. This improves your creditworthiness when banks manually review your application.
For businesses, your CIBIL MSME Rank depends partly on how you manage your business bank account. Regular GST payments, vendor payments, and healthy cash flow reflect positively.
Role of Statements in Business Loan Approval
Business owners need statements more frequently than salaried individuals. When you apply for an MSME loan or working capital loan, banks ask for at least 12 months of statements.
They check your average monthly balance, turnover pattern, and cash flow consistency. If you have multiple accounts, provide statements for all business accounts. This gives lenders a complete picture of your business finances.
Your statement also helps banks verify your GST returns. They match transactions with your declared turnover. Any discrepancy can lead to rejection.
For loan against property for business, six months of statements are usually sufficient. But having 12 months of clean statements significantly improves your chances.
Future of Digital Banking Statements
Banking is becoming increasingly digital. Soon, blockchain-based statements might become standard, making them even more secure and tamper-proof. AI-powered analysis will help you understand your spending patterns better.
Real-time statement access is already available, and it will improve further. Integration with financial planning apps will become seamless. You’ll be able to get instant statement downloads through voice commands on smart devices.
For now, knowing how to download and use your Axis Bank statements efficiently helps you stay ahead financially. Whether you need it for loan applications, tax filing, or personal records, the process is straightforward.
FAQs About Axis Bank Statements
Q1: How can I download my Axis Bank statement online? Log in to Axis Bank internet banking or mobile app, go to Account Statement section, select the period, and download the PDF. The process takes less than 2 minutes.
Q2: What is the Axis Bank mini statement number?
Send ‘MSTMT’ to 9223966666 or 5676782 from your registered mobile number to get a mini statement showing your last 5 transactions.
Q3: How do I check my Axis Bank balance?
Give a missed call to 18004195959 from your registered mobile, or send ‘BAL‘ SMS to 9223966666. You’ll get instant balance information.
Q4: Can I download Axis Bank statement from mobile app?
Yes, open the Axis Mobile app, select your account, go to Statement option, choose the date range, and download the PDF directly to your phone.
Q5: How to get Axis Bank loan statement?
Log in to internet banking, go to Loans section, select your loan account, and download the loan statement. You can also visit your branch with ID proof to get a printed statement.
Q6: Is Axis Bank e-statement valid for loan applications?
Yes, e-statements are completely valid and accepted by all banks and NBFCs for loan processing. They carry the same weightage as physical statements.
Get Expert Help with Your Loan Application
Need help preparing your documents for a loan application? Your bank statements are just one part of the puzzle. At CreditCares, we help business owners and individuals get their loan applications approved faster.
Whether you need a business loan, loan against property, or home loan, we guide you through every step. We help you understand what lenders look for in bank statements and how to present your financial profile in the best light.
Our team reviews your statements, identifies potential red flags, and suggests improvements. We work with multiple banks and NBFCs, so we know exactly what each lender prefers. This increases your chances of quick approval with better terms.
Contact CreditCares today for a free consultation. Let us help you turn your financial goals into reality. Whether you’re based in Kolkata or anywhere in West Bengal, we’re here to support your financial journey.
Don’t let documentation hassles stop you from getting the loan you need. With proper guidance and well-organized bank statements, loan approval becomes much smoother. Reach out to us, and let’s get started on your loan application today!
