SAMA requires three months minimum. Export your Al Rajhi PDF to Excel, verify salary continuity, and review your file before the lender does.
Convert your Al Rajhi statementSAMA mandates at least three months of bank statements for personal finance applications. Underwriters check three things in your Al Rajhi statement: salary regularity (consecutive WPS credits labelled "راتب"), existing debt service (monthly "قسط مرابحة" or installment lines), and the average end-of-month balance. The cleaner the data they receive, the faster the file moves.
Submitting an unmodified original PDF from Al Rajhi Mobile is the standard. Converting to Excel first is for you, not the lender: it lets you catch overdraft incidents, label salary credits clearly, and verify the months show what you expect before you hand the file over.
Al Rajhi WPS salary credits appear as "راتب" followed by the employer's GOSI or commercial registration reference. Underwriters expect to see this label on a predictable date (usually the 27th–29th of the Hijri month) for three consecutive months. A gap signals risk — either you switched employer mid-period, or the salary was paid in cash.
Existing Murabaha financing shows monthly debits labelled "قسط مرابحة". Underwriters add these to your debt-burden ratio (SAMA caps DBR at 65% for nationals). If your statement shows multiple active Murabaha lines, expect the new financing application to be sized down accordingly.
Use the converted CSV to spot anything an underwriter will flag — overdrafts, returned items, large unexplained deposits, or salary gaps. Fix what you can on the source side before submitting the original PDF.
Al Rajhi statements are bilingual (Arabic/English) single-PDF documents. Columns follow the order: Date (DD/MM/YYYY), Description in Arabic, Transaction reference, Debit, Credit, Running Balance in SAR. Transaction labels are primarily in Arabic and may include Sharia product nomenclature such as Murabaha installments.
| Label | Meaning |
|---|---|
| قسط مرابحة | Murabaha installment debit |
| POS-MADA- | Point-of-sale purchase via Mada debit network |
| حوالة سريعة | Sarie instant domestic transfer (IPS) |
| حوالة واردة من الخارج | Inbound international wire transfer (SWIFT) |
| راتب | Salary credit via WPS/GOSI |
Saudi banks (Al Rajhi, SNB) require 3 months of SAMA-compliant statements; WPS salary entries are weighted heavily in personal loan scoring.
Download the original PDF from Al Rajhi Mobile
Open the Al Rajhi Mobile app, request the past three months of statements, and download the original PDFs. Screenshots and printed copies will not pass SAMA underwriting — keep the original bank-issued PDF.
Upload and verify period
Drop the PDFs into Kashfbank. Confirm SAR as the base currency and check that the three months are continuous with no gap. Multi-file uploads merge into a single chronological sheet.
Review salary continuity
Filter the Category column to Salary. You should see three "راتب" rows with similar amounts and predictable dates. If a month is missing, expect questions — be ready to explain (employer change, mid-month start, etc.).
Sum existing debt service
Filter to Murabaha category. Add the monthly installment totals. This is the number the lender will use against your salary to compute debt-burden ratio. If you are close to the 65% cap, the new financing will be sized accordingly.
Submit the original PDF to the lender
Hand the original Al Rajhi PDF to the lender, not the CSV. The conversion was for your review. The lender's system parses the bank-issued PDF directly for underwriting.
Common challenges
Do lenders accept the Kashfbank CSV instead of the original Al Rajhi PDF?
No. SAMA-compliant underwriting requires the original bank-issued PDF from Al Rajhi Mobile. The CSV is for your own review before submission — to catch problems, sum debt service, and verify salary continuity.
My Al Rajhi statement shows a Murabaha installment but the lender already knows about that financing. Will it be double-counted?
No. SAMA's central debt registry already lists your active Murabaha. The lender pulls that automatically. The statement is used to verify the installment amount and confirm timely payment, not to discover new debt.
How many months of Al Rajhi statements do I need?
Three months minimum for personal finance under SAMA rules. For larger ticket sizes or self-employed applicants, lenders may request six months. Kashfbank merges multi-month PDFs into one continuous sheet.
What if my salary on Al Rajhi was paid late one month due to a Hijri holiday shift?
Late WPS credits caused by Eid or Hijri month-end shifts are common. Underwriters generally accept a 3–5 day deviation. If the credit shows up at all within the month and the label is "راتب", it counts. Flag the cause to the lender if asked.
Detailed guide
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Regulator: Saudi Central Bank (SAMA)
Fiscal year: Hijri fiscal year (government); Gregorian Jan–Dec (most private sector)
Full country guide →Statement language: Arabic / English