diff --git a/apps/api/src/lib/statements-pdf.ts b/apps/api/src/lib/statements-pdf.ts
new file mode 100644
index 0000000..46f3c82
--- /dev/null
+++ b/apps/api/src/lib/statements-pdf.ts
@@ -0,0 +1,80 @@
+import { PDFDocument, StandardFonts, rgb } from 'pdf-lib'
+import type { Table } from '@opensociety/shared'
+
+// Print-ready PDF of a financial statement (#99). Renders a report Table (its
+// first row is the header) as a paginated A4 table: first column left-aligned,
+// numeric columns right-aligned. WinAnsi fonts can't encode ₹, so amounts use a
+// plain grouped number (the section title names the currency context).
+export async function renderTablePdf(opts: { society: string; title: string; meta?: string; table: Table }): Promise<Uint8Array> {
+  const doc = await PDFDocument.create()
+  const font = await doc.embedFont(StandardFonts.Helvetica)
+  const bold = await doc.embedFont(StandardFonts.HelveticaBold)
+  const grey = rgb(0.4, 0.4, 0.4)
+
+  const marginX = 50
+  const pageW = 595
+  const pageH = 842
+  const rows = opts.table.rows
+  const cols = rows.reduce((m, r) => Math.max(m, r.length), 0)
+  // First column takes ~45% of the content width; the rest split evenly.
+  const contentW = pageW - marginX * 2
+  const firstW = Math.round(contentW * 0.45)
+  const restW = cols > 1 ? (contentW - firstW) / (cols - 1) : 0
+  const colRight = (i: number) => (i === 0 ? marginX : marginX + firstW + i * restW)
+  const colLeft = (i: number) => (i === 0 ? marginX : marginX + firstW + (i - 1) * restW)
+
+  const fmt = (v: string | number | null): string => {
+    if (v === null || v === undefined) return ''
+    if (typeof v === 'number') return v.toLocaleString('en-IN', { minimumFractionDigits: 2, maximumFractionDigits: 2 })
+    return v
+  }
+
+  let page = doc.addPage([pageW, pageH])
+  let y = pageH - 50
+  const newPage = () => {
+    page = doc.addPage([pageW, pageH])
+    y = pageH - 50
+  }
+  // WinAnsi (the StandardFont encoding) can't encode ₹; fall back to "Rs".
+  const wa = (s: string): string => s.replace(/₹/g, 'Rs')
+  const text = (raw: string, x: number, yy: number, size = 9, f = font, color = rgb(0, 0, 0)) =>
+    page.drawText(wa(raw), { x, y: yy, size, font: f, color })
+  const rightText = (raw: string, xRight: number, yy: number, size = 9, f = font) => {
+    const s = wa(raw)
+    page.drawText(s, { x: xRight - f.widthOfTextAtSize(s, size), y: yy, size, font: f })
+  }
+
+  text(opts.society, marginX, y, 16, bold)
+  y -= 18
+  text(opts.title, marginX, y, 12, bold)
+  y -= 14
+  if (opts.meta) {
+    text(opts.meta, marginX, y, 9, font, grey)
+    y -= 14
+  }
+  y -= 6
+
+  const drawRow = (row: (string | number | null)[], f = font) => {
+    for (let i = 0; i < cols; i++) {
+      const cell = row[i]
+      if (cell === undefined || cell === null || cell === '') continue
+      if (typeof cell === 'number') rightText(fmt(cell), colRight(i) + (i === 0 ? firstW : restW), y, 9, f)
+      else text(fmt(cell), colLeft(i), y, 9, f)
+    }
+    y -= 14
+  }
+
+  rows.forEach((row, idx) => {
+    if (y < 60) {
+      newPage()
+    }
+    if (idx === 0) {
+      drawRow(row, bold)
+      page.drawLine({ start: { x: marginX, y: y + 4 }, end: { x: pageW - marginX, y: y + 4 }, thickness: 0.5, color: grey })
+    } else {
+      drawRow(row)
+    }
+  })
+
+  return doc.save()
+}
diff --git a/apps/api/src/reports-statements.route.test.ts b/apps/api/src/reports-statements.route.test.ts
index 7ca7727..803f0a1 100644
--- a/apps/api/src/reports-statements.route.test.ts
+++ b/apps/api/src/reports-statements.route.test.ts
@@ -48,4 +48,18 @@ describe('statutory statement reports — admin only', () => {
     setQueue([[RESIDENT]])
     expect((await get('/balance-sheet', 'r1')).status).toBe(403)
   })
+
+  it('serves a CSV download for ?format=csv', async () => {
+    setQueue([[ADMIN], []]) // auth, then account balances
+    const res = await get('/trial-balance?format=csv', 'a1')
+    expect(res.status).toBe(200)
+    expect(res.headers.get('content-type')).toContain('text/csv')
+  })
+
+  it('serves a PDF download for ?format=pdf', async () => {
+    setQueue([[ADMIN], [], [{ name: 'Green Valley Heights' }]]) // auth, balances, society
+    const res = await get('/balance-sheet?format=pdf', 'a1')
+    expect(res.status).toBe(200)
+    expect(res.headers.get('content-type')).toBe('application/pdf')
+  })
 })
diff --git a/apps/api/src/routes/reports.ts b/apps/api/src/routes/reports.ts
index 86c5c85..7a5f639 100644
--- a/apps/api/src/routes/reports.ts
+++ b/apps/api/src/routes/reports.ts
@@ -39,9 +39,32 @@ import {
 import type { VisitorTrends } from '@opensociety/shared'
 import { withDb, withAuth, requireRole } from '../middleware'
 import { renderVisitorTrendsPdf } from '../lib/visitor-trends-pdf'
+import { renderTablePdf } from '../lib/statements-pdf'
 import { tableExport } from '../lib/report-export'
+import type { Table } from '@opensociety/shared'
 import type { AppEnv } from '../types'
 
+// Export a statement Table as pdf/xlsx/csv per ?format, else null (-> JSON).
+async function statementResponse(
+  c: Context<AppEnv>,
+  table: Table,
+  baseName: string,
+  title: string,
+  meta?: string,
+): Promise<Response | null> {
+  const format = c.req.query('format')
+  if (format === 'pdf') {
+    const [society] = await c.get('db').select({ name: societyConfig.name }).from(societyConfig).limit(1)
+    const pdf = await renderTablePdf({ society: society?.name ?? 'Society', title, meta, table })
+    const body = new ArrayBuffer(pdf.byteLength)
+    new Uint8Array(body).set(pdf)
+    return new Response(body, {
+      headers: { 'content-type': 'application/pdf', 'content-disposition': `inline; filename="${baseName}.pdf"` },
+    })
+  }
+  return tableExport(format, table, baseName)
+}
+
 export const reportRoutes = new Hono<AppEnv>()
 reportRoutes.use('*', withDb)
 reportRoutes.use('*', withAuth)
@@ -241,30 +264,30 @@ async function accountBalances(
   return rows.map((r) => ({ ...r, debit: Number(r.debit), credit: Number(r.credit) }))
 }
 
-// Trial Balance as of ?toDate (default: all). Nets to zero. ?format=xlsx|csv.
+// Trial Balance as of ?toDate (default: all). Nets to zero. ?format=pdf|xlsx|csv.
 reportRoutes.get('/trial-balance', async (c) => {
   const toDate = c.req.query('toDate')
   const tb = trialBalance(await accountBalances(c, { toDate }))
-  const exp = tableExport(c.req.query('format'), trialBalanceTable(tb), `trial-balance${toDate ? `-${toDate}` : ''}`)
+  const exp = await statementResponse(c, trialBalanceTable(tb), `trial-balance${toDate ? `-${toDate}` : ''}`, 'Trial Balance', `As of ${toDate ?? 'today'} (amounts in Rs)`)
   return exp ?? c.json({ toDate: toDate ?? null, ...tb })
 })
 
-// Income & Expenditure (accrual) for ?fromDate..?toDate. ?format=xlsx|csv.
+// Income & Expenditure (accrual) for ?fromDate..?toDate. ?format=pdf|xlsx|csv.
 reportRoutes.get('/income-expenditure', async (c) => {
   const fromDate = c.req.query('fromDate')
   const toDate = c.req.query('toDate')
   const ie = incomeExpenditure(await accountBalances(c, { fromDate, toDate }))
-  const exp = tableExport(c.req.query('format'), incomeExpenditureTable(ie), `income-expenditure${toDate ? `-${toDate}` : ''}`)
+  const exp = await statementResponse(c, incomeExpenditureTable(ie), `income-expenditure${toDate ? `-${toDate}` : ''}`, 'Income & Expenditure', `${fromDate ?? 'start'} to ${toDate ?? 'today'} (amounts in Rs)`)
   return exp ?? c.json({ fromDate: fromDate ?? null, toDate: toDate ?? null, ...ie })
 })
 
 // Balance Sheet as of ?toDate. Current surplus = I&E surplus up to the same date
-// so the sheet balances. ?format=xlsx|csv.
+// so the sheet balances. ?format=pdf|xlsx|csv.
 reportRoutes.get('/balance-sheet', async (c) => {
   const toDate = c.req.query('toDate')
   const balances = await accountBalances(c, { toDate })
   const bs = balanceSheet(balances, incomeExpenditure(balances).surplus)
-  const exp = tableExport(c.req.query('format'), balanceSheetTable(bs), `balance-sheet${toDate ? `-${toDate}` : ''}`)
+  const exp = await statementResponse(c, balanceSheetTable(bs), `balance-sheet${toDate ? `-${toDate}` : ''}`, 'Balance Sheet', `As of ${toDate ?? 'today'} (amounts in Rs)`)
   return exp ?? c.json({ toDate: toDate ?? null, ...bs })
 })
 
@@ -273,8 +296,8 @@ reportRoutes.get('/receipts-payments', async (c) => {
   const db = c.get('db')
   const fromDate = c.req.query('fromDate')
   const toDate = c.req.query('toDate')
-  const respond = (rp: ReturnType<typeof receiptsAndPayments>) => {
-    const exp = tableExport(c.req.query('format'), receiptsPaymentsTable(rp), `receipts-payments${toDate ? `-${toDate}` : ''}`)
+  const respond = async (rp: ReturnType<typeof receiptsAndPayments>) => {
+    const exp = await statementResponse(c, receiptsPaymentsTable(rp), `receipts-payments${toDate ? `-${toDate}` : ''}`, 'Receipts & Payments', `${fromDate ?? 'start'} to ${toDate ?? 'today'} (amounts in Rs)`)
     return exp ?? c.json({ fromDate: fromDate ?? null, toDate: toDate ?? null, ...rp })
   }