diff --git a/apps/mobile/api/client.ts b/apps/mobile/api/client.ts
index a8b80e9..6392dd6 100644
--- a/apps/mobile/api/client.ts
+++ b/apps/mobile/api/client.ts
@@ -12,6 +12,7 @@ import type {
   CreateHouseHelpReview,
   MaintenanceBill,
   Payment,
+  StatementEntry,
   Notice,
   SocietyConfig,
   Ticket,
@@ -26,6 +27,15 @@ import type {
 
 export const API_URL = process.env.EXPO_PUBLIC_API_URL || 'http://localhost:8787'
 
+// Per-flat statement of account (#96) — read-only running balance for residents.
+export type ApartmentStatement = {
+  apartmentId: string
+  apartment: string
+  opening: number
+  closing: number
+  entries: StatementEntry[]
+}
+
 // House help as returned by the directory list — carries its anonymous rating
 // summary plus verification/trust signals.
 export type HouseHelpWithRating = HouseHelp & {
@@ -133,6 +143,8 @@ export const apiClient = {
   checkOutHouseHelpEntry: (entryId: string, userId?: string) =>
     api<HouseHelpEntry>(`/house-help/entries/${entryId}/checkout`, { method: 'POST', body: JSON.stringify({}) }, userId),
   listMyApartments: () => api<Apartment[]>('/apartments/mine'),
+  getApartmentStatement: (apartmentId: string) =>
+    api<ApartmentStatement>(`/apartments/${apartmentId}/statement`),
   listMyResidents: () =>
     api<{ apartmentId: string; userId: string; name: string; relation: string }[]>('/apartments/mine/residents'),
   listVehicles: (apartmentId?: string) =>
diff --git a/apps/mobile/app/bills.tsx b/apps/mobile/app/bills.tsx
index 89478b0..e9d7933 100644
--- a/apps/mobile/app/bills.tsx
+++ b/apps/mobile/app/bills.tsx
@@ -24,6 +24,13 @@ export default function Bills() {
   const { t } = useT()
   const bills = useQuery({ queryKey: ['bills'], queryFn: () => apiClient.listBills() })
   const payments = useQuery({ queryKey: ['payments'], queryFn: () => apiClient.listPayments() })
+  const myApts = useQuery({ queryKey: ['my-apartments'], queryFn: () => apiClient.listMyApartments() })
+  const primaryApt = myApts.data?.[0]?.id
+  const statement = useQuery({
+    queryKey: ['my-statement', primaryApt],
+    queryFn: () => apiClient.getApartmentStatement(primaryApt!),
+    enabled: !!primaryApt,
+  })
 
   if (bills.isLoading)
     return (
@@ -91,6 +98,33 @@ export default function Bills() {
           <Text className="text-base font-bold">{formatPaise(p.amount)}</Text>
         </View>
       ))}
+
+      {statement.data && statement.data.entries.length > 0 && (
+        <>
+          <Text className="mt-4 text-lg font-bold">{t('bills.statement')}</Text>
+          {statement.data.entries.map((e, i) => (
+            <View
+              key={`${e.ref ?? ''}-${i}`}
+              className="flex-row items-center justify-between rounded-xl border border-border bg-secondary p-3"
+            >
+              <View className="flex-1">
+                <Text className="text-sm font-semibold">{e.description}</Text>
+                <Text className="text-xs text-muted-foreground">{e.date.slice(0, 10)}</Text>
+              </View>
+              <View className="items-end">
+                <Text className={cn('text-sm font-semibold', e.debit ? 'text-amber-700' : 'text-green-700')}>
+                  {e.debit ? `+${formatPaise(e.debit)}` : `-${formatPaise(e.credit)}`}
+                </Text>
+                <Text className="text-xs text-muted-foreground">{formatPaise(e.balance)}</Text>
+              </View>
+            </View>
+          ))}
+          <View className="flex-row items-center justify-between px-1 pt-1">
+            <Text className="text-sm font-bold">{t('bills.closingBalance')}</Text>
+            <Text className="text-sm font-bold">{formatPaise(statement.data.closing)}</Text>
+          </View>
+        </>
+      )}
     </ScrollView>
   )
 }
diff --git a/packages/shared/src/i18n.ts b/packages/shared/src/i18n.ts
index d23c079..c3673ed 100644
--- a/packages/shared/src/i18n.ts
+++ b/packages/shared/src/i18n.ts
@@ -1012,6 +1012,8 @@ const mobileEn: Dict = {
   'bills.paid': 'Paid',
   'bills.paymentHistory': 'Payment history',
   'bills.noPayments': 'No payments yet.',
+  'bills.statement': 'Statement of account',
+  'bills.closingBalance': 'Closing balance',
   'common.deny': 'Deny',
   'visitors.empty': 'No visitors yet.',
   'visitors.denyReason': 'Reason for denial',
@@ -1140,6 +1142,8 @@ const mobileHi: Dict = {
   'bills.paid': 'भुगतान किया',
   'bills.paymentHistory': 'भुगतान इतिहास',
   'bills.noPayments': 'अभी कोई भुगतान नहीं।',
+  'bills.statement': 'खाता विवरण',
+  'bills.closingBalance': 'अंतिम शेष',
   'common.deny': 'अस्वीकृत करें',
   'visitors.empty': 'अभी कोई आगंतुक नहीं।',
   'visitors.denyReason': 'अस्वीकृति का कारण',