# ITR, Aadhaar, NPS, PAN, GST — 10 Most Common PDF Passwords Decoded

## Introduction

You just downloaded your ITR acknowledgement. Double click. And boom — password protected. You try your date of birth. Nothing. Your PAN. Still nothing.

I've been there too. Every government and bank document in India now comes as a password-locked PDF. Aadhaar, bank statement, GST certificate, NPS statement — each one has a different format. Get it wrong and you're staring at that "incorrect password" popup forever.

Here are the 10 most common passwords. Bookmark this page, share it with anyone who struggles with PDFs. Trust me, it will save you time.

## 1. ITR Acknowledgement / Notice

**Password:** PAN (lowercase) + DOB in DDMMYYYY

**Example:** PAN: ABCDE1234F, DOB: 15 August 1990 → **abcde1234f15081990**

ITR V, notices, Section 143(1) intimations, rectification orders — pretty much everything from the Income Tax Department uses this. The PAN must be in lowercase, DOB in DDMMYYYY, no spaces. This is the most common government PDF password you'll come across.

## 2. Aadhaar Card (e-Aadhaar)

**Password:** First 4 letters of name in CAPITAL + Year of Birth (YYYY)

**Example:** Suresh Kumar, Year 1990 → **SURE1990**

UIDAI keeps the e-Aadhaar locked with the first four letters of your name (uppercase) plus your birth year. Names shorter than 4 letters? Just use whatever you've got. "RIA" + 1990 = RIA1990. Names with initials like "P. Kumar"? The dot stays — P.KU1990.

## 3. PAN Card (e-PAN)

**Password:** DOB in DDMMYYYY

**Example:** 15 August 1990 → **15081990**

Simplest one on this list. Just your date of birth. Companies and LLPs use their date of incorporation instead. Nothing else needed.

## 4. Form 16 / Form 16A

**Password:** First 5 letters of PAN (uppercase) + DOB in DDMMYYYY

**Example:** PAN: ABCDE1234F, DOB: 15 August 1990 → **ABCDE15081990**

Your employer sends you Form 16 showing tax deducted from your salary. The password takes the first five letters of your PAN in uppercase (not the full PAN, just the first five) followed by your DOB.

## 5. Form 26AS

**Password:** DOB in DDMMYYYY

**Example:** 15 August 1990 → **15081990**

Form 26AS from TRACES uses only your date of birth. If you download it from the Income Tax portal directly, the HTML version doesn't even need a password. The **PDF file** from TRACES is where the password applies.

## 6. AIS / TIS

**Password:** PAN (lowercase) + DOB in DDMMYYYY

**Example:** ABCDE1234F, 15 August 1990 → **abcde1234f15081990**

Same as ITR documents. The Annual Information Statement and Taxpayer Information Summary show all your financial transactions in one place. PDF and JSON files both use the same lowercase PAN + DOB formula.

## 7. NPS Statement

**Password:** First 4 letters of first name (lowercase) + DOB in DDMM

**Example:** Name: Hemant, DOB: 16 November → **hema1611**

NPS monthly statements from **Protean (NSDL) CRA** use this format. Take the first four letters of your first name (lowercase) and add your DOB in DDMM — only day and month, no year. Short name? Add 9s. "Om" with 16 Nov becomes "99om1611".

**Important:** If your NPS account is serviced by **KFintech CRA**, the first 4 letters must be in **UPPERCASE** (e.g., HEMA1611). Check which CRA manages your account.

## 8. GST Registration Certificate

**Password:** No PDF password — but you need portal login

The GST Registration Certificate (Form GST REG-06) has no PDF password. The catch? You have to log into gst.gov.in to download it. Forgot your GST login? Use the "Forgot Password" option on the portal.

## 9. Bank E-Statements

This is where things get messy. Every bank has its own system.

| Bank | Password Format | Example |
|---|---|---|
| **SBI (YONO App / Net Banking)** | 11-digit Account Number | 12345678901 |
| **SBI (Email Statement)** | Last 5 digits of registered mobile + DOB in DDMMYY | 12345150890 |
| **HDFC (Bank Statement)** | Customer ID (8-10 digits) | 12345678 |
| **HDFC (Credit Card Statement)** | First 4 letters of name (UPPERCASE) + Last 4 digits of card | RAJE1234 |
| **ICICI Bank** | First 4 letters of name (lowercase) + DDMM | sumi1508 |
| **Axis Bank** | First 4 letters of name (UPPERCASE) + DDMM **OR**First 4 letters UPPERCASE + 9-digit Customer ID | AMIT0101 **or**AMIT123456789 |
| **Kotak Mahindra** | Customer Relationship Number | 1234567890 |
| **PNB** | 9-digit Customer ID (letters in UPPERCASE) **OR** Account Number | 123456789 **or**0123000400001234 |
| **Bank of Baroda** | First 4 letters of name (lowercase) + DDMM | raje0508 |
| **Yes Bank** | Customer ID + DOB DDMMYYYY | 12345615081990 |

The #1 mistake people make? HDFC uses your Customer ID for bank statements, not your DOB. If you're stuck, open the HDFC app and check your profile for the Customer ID.

## 10. EPFO UAN Passbook

**Password:** No password on the downloaded PDF

**Example:** Opens directly once downloaded

Here's the thing — the downloaded EPFO passbook PDF is **not password-protected**. It opens directly. The UAN and login password are only needed to log into the portal and download the file. Once downloaded, just double-click and it opens.

## Bonus: TAN Letter

**Password:** 6-digit PIN code of your registered address

**Example:** PIN 276303 → **276303**

Your TAN letter from the Income Tax Department uses your address PIN code. Simple but easy to forget if you've moved.

## Quick Reference Table

| \# | Document | Password Format | Example |
|---|---|---|---|
| 1 | ITR V / Notice | PAN (lowercase) + DOB DDMMYYYY | abcde1234f15081990 |
| 2 | Aadhaar | First 4 name (CAPS) + YYYY | SURE1990 |
| 3 | PAN | DOB DDMMYYYY | 15081990 |
| 4 | Form 16 | First 5 PAN (CAPS) + DOB DDMMYYYY | ABCDE15081990 |
| 5 | Form 26AS | DOB DDMMYYYY | 15081990 |
| 6 | AIS / TIS | PAN (lowercase) + DOB DDMMYYYY | abcde1234f15081990 |
| 7 | NPS (Protean) | First 4 name (lower) + DDMM | hema1611 |
| 7 | NPS (KFintech) | First 4 name (UPPER) + DDMM | HEMA1611 |
| 8 | GST Certificate | No PDF password (portal login needed) | — |
| 9 | SBI YONO/Net Banking | 11-digit Account Number | 12345678901 |
| 9 | SBI Email | Last 5 mobile + DDMMYY | 12345150890 |
| 9 | HDFC Bank | Customer ID | 12345678 |
| 9 | HDFC Credit Card | First 4 name (UPPER) + Last 4 card | RAJE1234 |
| 9 | ICICI | First 4 name (lower) + DDMM | sumi1508 |
| 9 | Axis | First 4 name (UPPER) + DDMM | AMIT0101 |
| 9 | Kotak | CRN | 1234567890 |
| 9 | PNB | Customer ID (UPPER) OR Account No. | 123456789 |
| 9 | Bank of Baroda | First 4 name (lower) + DDMM | raje0508 |
| 9 | Yes Bank | Customer ID + DOB DDMMYYYY | 12345615081990 |
| 10 | EPFO Passbook | No PDF password | — |
| Bonus | TAN Letter | 6-digit PIN code | 276303 |

## A Few Things to Keep in Mind

- **Case matters.** "ABCD" is not "abcd". Most government documents want lowercase PAN, but banks vary (ICICI/BoB = lowercase, Axis/HDFC credit card = UPPERCASE).
- **DDMMYYYY is not MMDDYYYY.** 15 August = 15081990, not 08151990.
- **No spaces, no symbols.** Unless the format says so (like Aadhaar dots).
- **Joint accounts?** Use the first holder's details.
- **Check the email.** Banks usually print the password format in the email itself.
- **NPS CRA matters.** Protean = lowercase, KFintech = UPPERCASE. Check your welcome letter or portal.
- **SBI has two formats.** YONO/Net Banking = account number. Email = mobile + DDMMYY.

## Wrapping Up

Getting stuck on a PDF password is frustrating. But once you know the pattern, it clicks. Most government documents use PAN + DOB, name + year, or just DOB. Bank statements are the wild card — each bank does its own thing. Bookmark this, save it, and you'll never waste time guessing passwords again.

Which PDF gave you the most trouble? Let me know in the comments.

*This is for educational purposes only. Password formats can change. Consult the respective bank/portal for the latest information. Consult a qualified financial advisor for personalized advice.*