Whether you are applying for a rental apartment, verifying your income for a credit card, or filing your annual income taxes, you will frequently need to provide copies of your payslips (pay stubs). However, payroll platforms automatically encrypt these documents to protect your salary data.
Having to type
a complex, customized password every single time you open a pay stub gets
tedious. In this guide, we review the password combinations for the largest
payroll platforms and corporate employers globally and in India, and explain
how to decrypt them forever.
🔑
Pro Tip: Check Your Email Notification Body for Password Hints
When you receive password-protected PDF statements via email,
the sending institution almost always writes the exact password combination or
format description inside the email message itself.
- Check the Footer: Banks, utility providers, and payroll systems place
password instructions in the footer disclaimer of the email.
- Search your Inbox: Search for the sender name (e.g. "SBI
e-statement" or "ADP pay stub") and read the email body
before opening the attachment.
- Password Hints:
Look for sections in the email body saying: "The attachment is password protected. The
password is your..."
Master Table: Default Global PDF Password Formats
Locate your
employer or payroll system below to find your default password combination,
alongside bank and utility formats:
|
Category |
Document /
Institution |
Country / Region |
Default Password
Structure |
Example Scenario |
|
Identity
(Govt) |
e-Aadhaar Card PDF |
India |
First 4 letters of
name in UPPERCASE + Year of Birth (YYYY) |
Name: Ramesh Sharma,
Birth Year: 1985 → RAME1985 |
|
Identity
(Govt) |
e-PAN Card PDF |
India |
Date of Birth
(DDMMYYYY) with no spaces or slashes |
DOB: 15-Aug-1947 → 15081947 |
|
Identity
(Govt) |
DigiLocker Driving
License |
India |
Date of Birth
(DDMMYYYY) or your DL Number in UPPERCASE |
DOB: 05-May-1992 → 05051992 |
|
Identity
(Govt) |
DigiLocker Vehicle
RC |
India |
Registration Number
in UPPERCASE + Chassis Number last 5 digits |
Reg: KA01AB1234,
Chassis: 98765 → KA01AB123498765 |
|
Identity
(Govt) |
EPF UAN Portal
Statement |
India |
Your UAN number or
registered PAN number in UPPERCASE |
UAN: 100234567890 → 100234567890 |
|
Identity
(Govt) |
DigiLocker Standard
PDF |
India |
Date of Birth
(DDMMYYYY) or your 6-digit DigiLocker security PIN |
PIN: 123456 → 123456 |
|
Identity
(Govt) |
Emirates ID e-Copy |
UAE |
Last 4 digits of
your Emirates ID number + Year of Birth (YYYY) |
ID:
784-1990-1234567-8, Year: 1990 → 56781990 |
|
Identity
(Govt) |
UAE Residency Visa
PDF |
UAE |
Last 4 digits of
Passport Number + Year of Birth (YYYY) |
Passport: AB987654,
Year: 1988 → 76541988 |
|
Identity
(Govt) |
Saudi Resident
Identity (Iqama) |
Saudi Arabia |
Iqama Card Number or
registered Birth Date (Hijri/Gregorian) |
Iqama: 2345678901 → 2345678901 |
|
Identity
(Govt) |
Qatar ID e-Document |
Qatar |
QID Card Number or
Date of Birth (DDMMYYYY) |
QID: 29012345678 → 29012345678 |
|
Identity
(Govt) |
Kuwait Civil ID PDF |
Kuwait |
Civil ID Card Number |
CivilID:
288012345678 → 288012345678 |
|
Identity
(Govt) |
US Social Security
Statement |
United States |
Last 4 digits of SSN
+ Year of Birth (YYYY) |
SSN: XXX-XX-6789,
Year: 1980 → 67891980 |
|
Identity
(Govt) |
Canada CRA Tax
Assessment |
Canada |
Social Insurance
Number (SIN) or Birth Date (DDMMYYYY) |
SIN: 123-456-789 → 123456789 |
|
Identity
(Govt) |
Australia ATO Tax
Statement |
Australia |
Tax File Number
(TFN) or Birth Date (DDMMYYYY) |
TFN: 123456789 → 123456789 |
|
Tax
Portal |
Income Tax ITR-V /
Acknowledgement |
India |
PAN card number in
lowercase + Date of Birth (DDMMYYYY) |
PAN: ABCDE1234F,
DOB: 09-Sep-1980 → abcde1234f09091980 |
|
Tax
Portal |
Income Tax
Intimation u/s 143(1) |
India |
PAN card number in
lowercase + Date of Birth (DDMMYYYY) |
PAN: QWERT9876Z,
DOB: 14-Nov-1992 → qwert9876z14111992 |
|
Tax
Portal |
Form 16 / Form 26AS |
India |
PAN card number in
UPPERCASE or Date of Birth (DDMMYYYY) |
PAN: ABCDE1234F → ABCDE1234F |
|
Tax
Portal |
US Form W-2 (Tax
Copy) |
United States |
Employer ID (EIN) +
Last 4 of Social Security Number (SSN) |
EIN: 12-3456789,
SSN: XXX-XX-9900 → 1234567899900 |
|
Tax
Portal |
US Form 1099 (Tax
Copy) |
United States |
SSN (no dashes) or
Employer ID (EIN) |
SSN: XXX-XX-4321 → 4321 |
|
Tax
Portal |
UK P60 / P45 Tax
Document |
United Kingdom |
National Insurance
(NI) Number in UPPERCASE or DOB (DDMMYYYY) |
NI: AB123456C → AB123456C |
|
Bank
Statement |
State Bank of India
(SBI) |
India |
Last 5 digits of
registered mobile number + Date of Birth (DDMMYY) |
Mobile: XXXXX98765,
DOB: 15-Aug-1994 → 98765150894 |
|
Bank
Statement |
HDFC Bank Account |
India |
Your Customer ID
(CIF) by default (printed on checkbook/welcome letter) |
Customer ID:
12345678 → 12345678 |
|
Bank
Statement |
HDFC Bank Credit
Card |
India |
First 4 characters
of name in lowercase + Date & Month of Birth (DDMM) |
Name: Amit Kumar,
DOB: 05-May → amit0505 |
|
Bank
Statement |
ICICI Bank Account /
Credit Card |
India |
First 4 characters
of name in lowercase + Date & Month of Birth (DDMM) |
Name: Rohan Sharma,
DOB: 29-Dec-1988 → roha2912 |
|
Bank
Statement |
Axis Bank Account /
Credit Card |
India |
First 4 characters
of name in UPPERCASE + Last 4 digits of Mobile Number |
Name: PRIYA SEN,
Mobile: XXXXX12345 → PRIY12345 |
|
Bank
Statement |
Kotak Mahindra Bank |
India |
First 4 characters
of registered name in lowercase + Date & Month of Birth (DDMM) |
Name: Sunil Dev,
DOB: 12-Mar → suni1203 |
|
Bank
Statement |
Punjab National Bank
(PNB) |
India |
Your Customer ID /
CIF Number (printed on first page of passbook) |
CIF: PNB987654 → 987654 |
|
Bank
Statement |
Canara Bank |
India |
First 4 characters
of name in UPPERCASE + Date & Month of Birth (DDMM) |
Name: Vijay Kumar,
DOB: 22-Jan → VIJA2201 |
|
Bank
Statement |
Bank of Baroda (BoB) |
India |
Your Customer ID
(CIF) or First 4 letters of name (UPPERCASE) + DOB (DDMM) |
Customer ID: 887766
→ 887766 |
|
Bank
Statement |
IDFC First Bank |
India |
Your Customer ID or
Date of Birth (DDMMYYYY) |
DOB: 14-Oct-1991 → 14101991 |
|
Bank
Statement |
IndusInd Bank |
India |
Your Customer ID +
Date of Birth (DDMMYY) |
CustID: 998877, DOB:
02-Feb-1985 → 998877020285 |
|
Bank
Statement |
Yes Bank |
India |
Your Customer ID or
First 4 letters of name in lowercase + DOB (DDMM) |
Name: Pooja Sen,
DOB: 30-Nov → pooj3011 |
|
Bank
Statement |
RBL Bank |
India |
Your Customer ID or
Registered Mobile Number |
Mobile: 9876543210 →
9876543210 |
|
Bank
Statement |
Federal Bank |
India |
First 4 characters
of name in lowercase + Date & Month of Birth (DDMM) |
Name: Ajay Roy, DOB:
19-Sep → ajay1909 |
|
Bank
Statement |
Union Bank of India |
India |
Your Customer ID or
Date of Birth (DDMMYYYY) |
DOB: 24-Jul-1992 → 24071992 |
|
Bank
Statement |
Indian Bank /
Allahabad Bank |
India |
Your Customer ID or
Date of Birth (DDMMYYYY) |
CustID: 1029384 → 1029384 |
|
Bank
Statement |
UCO Bank |
India |
Your Customer ID /
CIF Number |
CIF: 44332211 → 44332211 |
|
Bank
Statement |
Central Bank of
India |
India |
Your Customer ID
(CIF) or Date of Birth (DDMMYYYY) |
CIF: 554433 → 554433 |
|
Bank
Statement |
Bank of India (BoI) |
India |
Your Customer ID or
Date of Birth (DDMMYYYY) |
DOB: 01-Jan-1990 → 01011990 |
|
Bank
Statement |
South Indian Bank |
India |
Your Date of Birth
(DDMMYYYY) or Customer ID |
DOB: 09-Sep-1988 → 09091988 |
|
Bank
Statement |
DBS Bank India |
India |
First 4 characters
of name in lowercase + Date & Month of Birth (DDMM) |
Name: Neha Sharma,
DOB: 25-Jun → neha2506 |
|
Bank
Statement |
Karur Vysya Bank
(KVB) |
India |
Your Customer ID or
Date of Birth (DDMMYYYY) |
CustID: 8877665 → 8877665 |
|
Bank
Statement |
Karnataka Bank |
India |
Your Customer ID or
Date of Birth (DDMMYYYY) |
DOB: 30-Nov-1993 → 30111993 |
|
Bank
Statement |
Indian Overseas Bank
(IOB) |
India |
Your Customer ID or
Account Number |
Account: 1029384756
→ 1029384756 |
|
Bank
Statement |
IDBI Bank |
India |
Your Customer ID or
Date of Birth (DDMMYYYY) |
CustID: 66554433 → 66554433 |
|
Bank
Statement |
Standard Chartered
India |
India |
Your Customer ID or
Date of Birth (DDMMYYYY) |
DOB: 12-Dec-1984 → 12121984 |
|
Bank
Statement |
Chase Bank Statement |
United States |
Usually unlocked, or
requires primary cardholder's SSN/Tax ID (last 4 digits) |
SSN Last 4: 4321 → 4321 |
|
Bank
Statement |
Bank of America
Statement |
United States |
First 4 letters of
your last name + last 4 digits of your SSN |
LastName: Smith,
SSN: XXX-XX-6789 → smit6789 |
|
Bank
Statement |
Wells Fargo
Statement |
United States |
Last 4 digits of SSN
or registered Employer Identification Number (EIN) |
SSN Last 4: 9900 → 9900 |
|
Bank
Statement |
Citibank Statement |
United States |
Last 4 digits of
Credit Card / Debit Card + Billing Zip Code |
Card Last 4: 1234,
Zip: 90210 → 123490210 |
|
Bank
Statement |
Capital One
Statement |
United States |
First 4 letters of
registered name + last 4 digits of your SSN |
Name: Miller, SSN
Last 4: 5544 → mill5544 |
|
Bank
Statement |
American Express
(Amex) Statement |
United States |
Your 5-digit billing
Zip Code / Postal Code |
Zip Code: 10001 → 10001 |
|
Bank
Statement |
Discover Card
Statement |
United States |
Last 4 digits of
your SSN or registered billing Zip Code |
SSN Last 4: 8765 → 8765 |
|
Bank
Statement |
PNC Bank Statement |
United States |
Last 4 digits of
your Card Number + Date of Birth (MMDD) |
Card Last 4: 9876,
DOB: 04-Jul → 98760704 |
|
Bank
Statement |
US Bank Statement |
United States |
Last 4 digits of SSN
or Credit Card Number |
Card Last 4: 1122 → 1122 |
|
Bank
Statement |
Fidelity Cash
Management Statement |
United States |
Last 4 digits of SSN
or Account Number |
SSN Last 4: 3344 → 3344 |
|
Bank
Statement |
Barclays Bank
Statement |
United Kingdom |
First 4 letters of
surname + Day & Month of Birth (DDMM) |
LastName: Taylor,
DOB: 09-Sep → tayl0909 |
|
Bank
Statement |
Lloyds Bank
Statement |
United Kingdom |
First 4 letters of
surname + Day & Month of Birth (DDMM) |
LastName: Wilson,
DOB: 14-Nov → wils1411 |
|
Bank
Statement |
HSBC Bank Statement |
United Kingdom |
First 4 letters of
name in lowercase + Day & Month of Birth (DDMM) |
Name: John, DOB:
04-Jul → john0407 |
|
Bank
Statement |
NatWest Statement |
United Kingdom |
First 4 letters of
surname in lowercase + Day & Month of Birth (DDMM) |
LastName: Davis,
DOB: 22-Jan → davi2201 |
|
Bank
Statement |
Royal Bank of
Scotland (RBS) |
United Kingdom |
First 4 letters of
name in lowercase + Day & Month of Birth (DDMM) |
Name: Robert, DOB:
30-Jan → robe3001 |
|
Bank
Statement |
Santander Bank
Statement |
United Kingdom |
First 4 letters of
surname in lowercase + Day & Month of Birth (DDMM) |
LastName: Evans,
DOB: 12-Mar → evan1203 |
|
Bank
Statement |
Halifax Bank
Statement |
United Kingdom |
First 4 letters of
surname + Day & Month of Birth (DDMM) |
LastName: Thomas,
DOB: 18-Dec → thom1812 |
|
Bank
Statement |
TSB Bank Statement |
United Kingdom |
First 4 letters of
surname + Day & Month of Birth (DDMM) |
LastName: Roberts,
DOB: 25-Jun → robe2506 |
|
Bank
Statement |
TD Bank Statement |
Canada |
Last 4 digits of
Social Insurance Number (SIN) or Credit Card Number |
SIN Last 4: 9876 → 9876 |
|
Bank
Statement |
Royal Bank of Canada
(RBC) |
Canada |
Last 4 digits of
Credit Card Number + Date of Birth (DDMM) |
Card Last 4: 5544,
DOB: 12-Dec → 55441212 |
|
Bank
Statement |
CIBC Bank Statement |
Canada |
Last 4 digits of SIN
or Card Number |
SIN Last 4: 3322 → 3322 |
|
Bank
Statement |
BMO (Bank of
Montreal) |
Canada |
Last 4 digits of
Card Number + Date of Birth (DDMM) |
Card Last 4: 1122,
DOB: 20-Oct → 11222010 |
|
Bank
Statement |
Scotiabank Statement |
Canada |
Last 4 digits of
Card Number or Date of Birth (DDMMYYYY) |
Card Last 4: 8899 → 8899 |
|
Bank
Statement |
ANZ Bank Statement |
Australia |
Your ANZ Customer ID
or Date of Birth (DDMMYYYY) |
DOB: 15-Aug-1994 → 15081994 |
|
Bank
Statement |
Commonwealth Bank
(CBA) |
Australia |
NetBank Client ID or
Date of Birth (DDMMYYYY) |
Client ID: 10293847
→ 10293847 |
|
Bank
Statement |
Westpac Statement |
Australia |
Your Westpac
Customer ID or Date of Birth (DDMMYYYY) |
DOB: 19-Sep-1991 → 19091991 |
|
Bank
Statement |
National Australia
Bank (NAB) |
Australia |
Your NAB ID Number
or Date of Birth (DDMMYYYY) |
ID: 776655 → 776655 |
|
Bank
Statement |
Emirates NBD
Statement |
UAE |
Last 4 digits of
Credit Card or registered Account Number |
Card Last 4: 9988 → 9988 |
|
Bank
Statement |
ADCB Bank Statement |
UAE |
Your Customer ID or
Last 4 digits of registered Mobile Number |
Mobile: XXXXX98765 →
8765 |
|
Bank
Statement |
FAB (First Abu Dhabi
Bank) |
UAE |
Your Customer ID or
Date of Birth (DDMMYYYY) |
CustID: FAB102938 → 102938 |
|
Bank
Statement |
Al Rajhi Bank
Statement |
Saudi Arabia |
Last 4 digits of
National ID (Iqama) or Account Number |
Iqama Last 4: 5432 →
5432 |
|
Bank
Statement |
Saudi National Bank
(SNB) |
Saudi Arabia |
Last 4 digits of
National ID (Iqama) |
Iqama Last 4: 9988 →
9988 |
|
Bank
Statement |
QNB (Qatar National
Bank) |
Qatar |
QID (Qatar ID) Card
Number or Last 4 digits of Card |
QID: 29012345678 → 29012345678 |
|
Bank
Statement |
Kuwait Finance House
(KFH) |
Kuwait |
Civil ID Card Number |
CivilID:
288012345678 → 288012345678 |
|
Bank
Statement |
Mashreq Bank
Statement |
UAE |
Last 4 digits of
Credit Card or Account Number |
Card Last 4: 1234 → 1234 |
|
Payslip
(Corporate) |
TCS (Tata
Consultancy Services) |
India |
Employee ID + Date
& Month of Birth (DDMM) |
EmpID: 987654, DOB:
02-Mar → 9876540203 |
|
Payslip
(Corporate) |
Infosys |
India |
First 4 characters
of PAN (UPPERCASE) + Date & Month of Birth (DDMM) |
PAN: ASDG1234Z, DOB:
14-Nov → ASDG1411 |
|
Payslip
(Corporate) |
Wipro |
India |
First 4 letters of
name in lowercase + Date & Month of Birth (DDMM) |
Name: Rajesh Kumar,
DOB: 25-Jun → raje2506 |
|
Payslip
(Corporate) |
Cognizant (CTS) |
India |
Employee ID + Date
& Month of Birth (DDMM) |
EmpID: 887766, DOB:
30-Jul → 8877663007 |
|
Payslip
(Corporate) |
Accenture India |
India |
Accenture Employee
ID + Date & Month of Birth (DDMM) |
EmpID: 10987654,
DOB: 30-Jan → 109876543001 |
|
Payslip
(Corporate) |
HCL Technologies |
India |
Employee ID + Date
& Month of Birth (DDMM) |
EmpID: HCL10293,
DOB: 18-Dec → 102931812 |
|
Payslip
(Corporate) |
Tech Mahindra |
India |
Employee ID + Date
& Month of Birth (DDMM) |
EmpID: 55443, DOB:
15-Jun → 554431506 |
|
Payslip
(Corporate) |
LTIMindtree |
India |
Employee ID + Date
& Month of Birth (DDMM) |
EmpID: 99887, DOB:
29-Sep → 998872909 |
|
Payslip
(Corporate) |
Capgemini India |
India |
Employee ID + Date
& Month of Birth (DDMM) |
EmpID: 77665, DOB:
22-Jan → 776652201 |
|
Payslip
(Corporate) |
ADP Payslip |
US / Global |
First 4 chars of
company name + Year of Birth (YYYY) OR Last 4 of SSN |
Company: Microsoft,
Birth: 1989 → micr1989 |
|
Payslip
(Corporate) |
Workday Payslips |
US / Global |
Uses your company
portal password, or custom HR-specified combination |
Check your company
onboarding guide. |
|
Payslip
(Corporate) |
Vanguard 401(k)
statement |
United States |
Last 4 digits of SSN
or registered Account Number |
SSN Last 4: 8765 → 8765 |
|
Payslip
(Corporate) |
Fidelity Pension /
401(k) |
United States |
Last 4 digits of SSN
or Date of Birth (MMDDYY) |
DOB: 04-Jul-1980 → 040780 |
|
Payslip
(Corporate) |
Charles Schwab
Pension |
United States |
Last 4 digits of
Account Number or SSN |
Account Last 4: 9900
→ 9900 |
|
Mutual
Fund |
CAMS CAS Statement |
India |
PAN card number in
UPPERCASE or custom password set during registration |
PAN: ABCDE1234F → ABCDE1234F |
|
Mutual
Fund |
Karvy / KFintech CAS |
India |
PAN card number in
UPPERCASE or registered email address |
PAN: QWERT9876Z → QWERT9876Z |
|
Mutual
Fund |
NSDL CAS Statement |
India |
PAN card number in
UPPERCASE |
PAN: ABCDE1234F → ABCDE1234F |
|
Mutual
Fund |
CDSL CAS Statement |
India |
PAN card number in
UPPERCASE |
PAN: QWERT9876Z → QWERT9876Z |
|
Mutual
Fund |
LIC Mutual Fund
Statement |
India |
PAN card number in
UPPERCASE |
PAN: ABCDE1234F → ABCDE1234F |
|
Mutual
Fund |
SBI Mutual Fund
Statement |
India |
PAN card number in
UPPERCASE |
PAN: ABCDE1234F → ABCDE1234F |
|
Mutual
Fund |
ICICI Prudential
Mutual Fund |
India |
PAN card number in
UPPERCASE |
PAN: QWERT9876Z → QWERT9876Z |
|
Mutual
Fund |
HDFC Mutual Fund
Statement |
India |
PAN card number in
UPPERCASE or Folio Number |
PAN: ABCDE1234F → ABCDE1234F |
|
Utility
Bill |
BESCOM Electricity
Bill |
India (Karnataka) |
Your 10-digit
Customer Account ID (Account ID) |
Account ID:
1029384756 → 1029384756 |
|
Utility
Bill |
MSEDCL Electricity
Bill |
India (Maharashtra) |
Your 12-digit
Consumer Number (Consumer ID) |
Consumer ID:
554433221100 → 554433221100 |
|
Utility
Bill |
TNEB Electricity
Bill |
India (Tamil Nadu) |
Consumer Number +
Region Code (printed on bill) |
Consumer: 1029384,
Region: 01 → 102938401 |
|
Utility
Bill |
Jio Postpaid Bill |
India |
Last 4 digits of
Mobile Number or registered PAN in UPPERCASE |
Mobile: XXXXX99887 →
99887 |
|
Utility
Bill |
Airtel Postpaid /
Fiber Bill |
India |
Date of Birth (DDMM)
+ Last 4 digits of Mobile Number |
DOB: 18-Jan, Mobile
Last 4: 4321 → 18014321 |
|
Utility
Bill |
Vi (Vodafone Idea)
Bill |
India |
Last 4 digits of
Mobile Number or Name in lowercase |
Mobile: XXXXX55443 →
55443 |
|
Utility
Bill |
BSNL Broadband Bill |
India |
Your Billing Account
Number (printed on physical paper statement) |
Account: BSNL102938
→ 102938 |
Bypassing Payroll Passwords Securely
Your pay stub
contains a goldmine of identity details, including your full legal name, home
address, social security/PAN numbers, tax bracket, and bank account
information. Never
upload your payslip to external cloud conversion servers.
To safely
unlock your pay stub, use a fully client-side tool like Private PDF Unlocker.
This runs entirely inside your browser sandbox on your local machine, meaning
no data is sent across the internet.
Steps to Decrypt:
- Go to Private
PDF Unlocker.
- Upload your locked payslip PDF.
- Enter the default password configuration (from the
table above).
- Click Unlock
PDF. The decryption takes place locally in milliseconds.
- Save the password-free PDF. It can now be opened
without prompts.
How to Rename and Store Unlocked Payslips
Once you have
removed password locks, keep your documents safe by naming them consistently
(e.g., Payslip_2026_June.pdf) and placing them
inside a secure, encrypted folder on your local drive or an MFA-protected cloud
vault.
SEARCH DESCRIPTION:
Step-by-step instructions to unlock salary slips, EPF statements, and ADP
stubs. Password formats for TCS, Infosys, Wipro, and global corporations.
KEYWORDS / TAGS:
adp payslip password bypass, epf statement password format, tcs payslip
password, remove salary slip password, workday payslip unlocker