diff --git a/src/features/attendance/pages/AttendancePage.test.tsx b/src/features/attendance/pages/AttendancePage.test.tsx
new file mode 100644
index 0000000..7ac113e
--- /dev/null
+++ b/src/features/attendance/pages/AttendancePage.test.tsx
@@ -0,0 +1,76 @@
+import { fireEvent, screen } from '@testing-library/react'
+import { afterEach, describe, expect, it, vi } from 'vitest'
+import { renderWithProviders } from '@/test/renderWithProviders'
+import { AttendancePage } from './AttendancePage'
+import * as csvLib from '@/shared/lib/csv'
+
+vi.mock('@/app/providers/useAuth', () => ({
+    useSession: () => ({
+        token: 'test-token',
+        role: 'ADMINISTRATOR',
+        claims: {},
+        permissions: [],
+    }),
+    useAuth: () => ({ session: null, signIn: vi.fn(), signOut: vi.fn(), isRestoring: false }),
+}))
+
+vi.mock('../hooks/useGroupStudents', () => ({
+    useGroupStudents: () => ({
+        isLoading: false,
+        error: null,
+        students: [
+            { id: 's1', userDto: { fullName: 'Ali Valiyev' } },
+            { id: 's2', userDto: { fullName: 'Vali Sodyqov' } },
+        ],
+    }),
+}))
+
+vi.mock('@/shared/hooks', async (importOriginal) => {
+    const actual = await importOriginal<typeof import('@/shared/hooks')>()
+    return {
+        ...actual,
+        useAttendanceRecords: () => ({
+            isLoading: false,
+            error: null,
+            records: [
+                {
+                    id: 'l1',
+                    lessonTitle: '1-dars',
+                    date: '2026-03-01T10:00:00',
+                    attendanceStudentMap: {
+                        s1: { status: 'PRESENT' },
+                        s2: { status: 'ABSENT' },
+                    },
+                },
+            ],
+        }),
+    }
+})
+
+afterEach(() => {
+    vi.restoreAllMocks()
+})
+
+describe('AttendancePage CSV Export', () => {
+    it('triggers CSV download when Download button is clicked', () => {
+        const downloadCsvSpy = vi.spyOn(csvLib, 'downloadCsv').mockImplementation(() => {})
+
+        renderWithProviders(<AttendancePage />, {
+            route: '/attendance',
+        })
+
+        const downloadButton = screen.getByRole('button', { name: 'Yuklab olish' })
+        expect(downloadButton).not.toBeDisabled()
+
+        fireEvent.click(downloadButton)
+
+        expect(downloadCsvSpy).toHaveBeenCalledTimes(1)
+        const [filename, content] = downloadCsvSpy.mock.calls[0]
+        expect(filename).toContain('attendance_group_')
+        expect(filename).toContain('.csv')
+        expect(content).toContain("O'quvchi")
+        expect(content).toContain('Ali Valiyev')
+        expect(content).toContain('Keldi')
+        expect(content).toContain('Kelmadi')
+    })
+})
diff --git a/src/features/attendance/pages/AttendancePage.tsx b/src/features/attendance/pages/AttendancePage.tsx
index 4d4fe1c..48ed4d5 100644
--- a/src/features/attendance/pages/AttendancePage.tsx
+++ b/src/features/attendance/pages/AttendancePage.tsx
@@ -5,6 +5,7 @@ import { useTheme } from '@/app/providers/useTheme'
 import { errorMessage } from '@/shared/api'
 import { useAttendanceRecords } from '@/shared/hooks'
 import { useT } from '@/shared/i18n'
+import { downloadCsv, formatDate, generateCsvContent, sanitizeFilename } from '@/shared/lib'
 import { AppShell, AttendanceTable, Button, EmptyState, ErrorBox, SegmentedControl, type PastLessonColumn } from '@/shared/ui'
 import { DraftBar } from '../components/DraftBar'
 import { useAttendanceDraft, type AttendanceDraftInitial } from '../hooks/useAttendanceDraft'
@@ -95,6 +96,76 @@ export function AttendancePage() {
         }
     }
 
+    const groupName = activeLesson?.group?.name || (groupId ? `group_${groupId}` : 'group')
+    const today = new Date().toISOString().slice(0, 10)
+
+    function getStatusLabel(status: AttendanceStatus): string {
+        if (status === 'PRESENT') return t('attendance.PRESENT')
+        if (status === 'ABSENT') return t('attendance.ABSENT')
+        if (status === 'EXCUSED') return t('attendance.EXCUSED')
+        return status
+    }
+
+    function handleDownloadCsv() {
+        if (students.length === 0) return
+
+        const activeDraft = draft.draft
+
+        // 1. Sarlavhalar qatori: "Student", keyin har bir o'tgan dars sanasi va sarlavhasi
+        const headers: string[] = [t('attendance.student')]
+        pastColumns.forEach((col) => {
+            const dateStr = formatDate(col.date)
+            const titleStr = col.lessonTitle ? ` (${col.lessonTitle})` : ''
+            headers.push(`${dateStr}${titleStr}`)
+        })
+
+        if (activeDraft && activeDraft.lesson) {
+            const draftDate = formatDate(activeDraft.lesson.lessonDate)
+            const draftTitle = activeDraft.lesson.title ? ` (${t('attendance.lessonNumber', { number: activeDraft.lesson.title })})` : ''
+            headers.push(`${draftDate}${draftTitle}`)
+        }
+
+        // 2. Har bir o'quvchi uchun qatorlar
+        const editingPastLessonId =
+            activeDraft && pastColumns.some((column) => column.lessonId === activeDraft.lesson.id)
+                ? activeDraft.lesson.id
+                : null
+
+        const rows: (string | null | undefined)[][] = students.map((student) => {
+            const studentRow: (string | null | undefined)[] = [student.userDto?.fullName || '—']
+
+            pastColumns.forEach((col) => {
+                if (col.lessonId === editingPastLessonId && activeDraft) {
+                    const st = activeDraft.statuses[student.id] ?? 'PRESENT'
+                    const re = activeDraft.reasons[student.id]
+                    const label = getStatusLabel(st)
+                    studentRow.push(re ? `${label} (${re})` : label)
+                } else {
+                    const entry = col.attendanceMap[student.id]
+                    if (!entry) {
+                        studentRow.push('—')
+                    } else {
+                        const label = getStatusLabel(entry.status)
+                        studentRow.push(entry.reason ? `${label} (${entry.reason})` : label)
+                    }
+                }
+            })
+
+            if (activeDraft && !editingPastLessonId) {
+                const st = activeDraft.statuses[student.id] ?? 'PRESENT'
+                const re = activeDraft.reasons[student.id]
+                const label = getStatusLabel(st)
+                studentRow.push(re ? `${label} (${re})` : label)
+            }
+
+            return studentRow
+        })
+
+        const csvString = generateCsvContent([headers, ...rows])
+        const filename = sanitizeFilename(`attendance_${groupName}_${today}.csv`)
+        downloadCsv(filename, csvString)
+    }
+
     const isLoading = studentsQuery.isLoading || recordsQuery.isLoading
     const failure = submit.error ?? studentsQuery.error ?? recordsQuery.error
 
@@ -117,6 +188,9 @@ export function AttendancePage() {
                             { value: '3', label: t('attendance.monthTwoAgo') },
                         ]}
                     />
+                    <Button size="sm" onClick={handleDownloadCsv} disabled={isLoading || students.length === 0}>
+                        {t('common.downloadCsv')}
+                    </Button>
                     <Button size="sm" onClick={() => navigate('/')}>
                         ← {t('attendance.backToDashboard')}
                     </Button>
diff --git a/src/features/payments/pages/PaymentsPage.test.tsx b/src/features/payments/pages/PaymentsPage.test.tsx
new file mode 100644
index 0000000..03026bb
--- /dev/null
+++ b/src/features/payments/pages/PaymentsPage.test.tsx
@@ -0,0 +1,79 @@
+import { fireEvent, screen } from '@testing-library/react'
+import { afterEach, describe, expect, it, vi } from 'vitest'
+import { renderWithProviders } from '@/test/renderWithProviders'
+import { PaymentsPage } from './PaymentsPage'
+import * as csvLib from '@/shared/lib/csv'
+
+vi.mock('@/app/providers/useAuth', () => ({
+    useSession: () => ({
+        token: 'test-token',
+        role: 'ADMINISTRATOR',
+        claims: {},
+        permissions: [],
+    }),
+    useAuth: () => ({ session: null, signIn: vi.fn(), signOut: vi.fn(), isRestoring: false }),
+}))
+
+vi.mock('../hooks/useInvoices', () => ({
+    useInvoices: () => ({
+        isLoading: false,
+        error: null,
+        invoices: [
+            {
+                id: 'inv-1',
+                invoiceNumber: 'INV-001',
+                amount: 500000,
+                issuedAt: '2026-03-01T12:00:00',
+                status: 'PAID',
+                type: 'MONTHLY',
+                student: { userDto: { fullName: 'Ali Valiyev' } },
+            },
+        ],
+        totalPages: 1,
+        totalElements: 1,
+    }),
+}))
+
+vi.mock('../hooks/useStudentOptions', () => ({
+    useStudentOptions: () => [],
+}))
+
+vi.mock('../hooks/useInvoiceMutations', () => ({
+    useInvoiceMutations: () => ({
+        create: { isPending: false, error: null, mutate: vi.fn() },
+        changeStatus: { isPending: false, error: null, mutate: vi.fn() },
+        remove: { isPending: false, error: null, mutate: vi.fn() },
+        refund: { isPending: false, isSuccess: false, data: null, error: null, mutate: vi.fn() },
+    }),
+}))
+
+afterEach(() => {
+    vi.restoreAllMocks()
+})
+
+describe('PaymentsPage CSV Export', () => {
+    it('triggers CSV download when Download button is clicked', () => {
+        const downloadCsvSpy = vi.spyOn(csvLib, 'downloadCsv').mockImplementation(() => {})
+
+        renderWithProviders(<PaymentsPage />, {
+            route: '/payments',
+        })
+
+        const downloadButton = screen.getByRole('button', { name: 'Yuklab olish' })
+        expect(downloadButton).not.toBeDisabled()
+
+        fireEvent.click(downloadButton)
+
+        expect(downloadCsvSpy).toHaveBeenCalledTimes(1)
+        const [filename, content] = downloadCsvSpy.mock.calls[0]
+        expect(filename).toContain('payments_')
+        expect(filename).toContain('.csv')
+        expect(content).toContain('Hisob raqami')
+        expect(content).toContain('O‘quvchi')
+        expect(content).toContain('INV-001')
+        expect(content).toContain('Ali Valiyev')
+        expect(content).toContain('To‘langan')
+
+        downloadCsvSpy.mockRestore()
+    })
+})
diff --git a/src/features/payments/pages/PaymentsPage.tsx b/src/features/payments/pages/PaymentsPage.tsx
index 15662d0..1d06323 100644
--- a/src/features/payments/pages/PaymentsPage.tsx
+++ b/src/features/payments/pages/PaymentsPage.tsx
@@ -4,7 +4,7 @@ import { useAuth, useSession } from '@/app/providers/useAuth'
 import { useTheme } from '@/app/providers/useTheme'
 import { errorMessage } from '@/shared/api'
 import { useT } from '@/shared/i18n'
-import { formatAmount } from '@/shared/lib'
+import { downloadCsv, formatAmount, formatDate, generateCsvContent, sanitizeFilename } from '@/shared/lib'
 import { INVOICE_STATUSES } from '@/shared/types'
 import {
     AppShell,
@@ -85,6 +85,33 @@ export function PaymentsPage() {
         refund.mutate(refundStudentId, { onSuccess: () => setRefundStudentId('') })
     }
 
+    function handleDownloadCsv() {
+        if (list.invoices.length === 0) return
+
+        const headers = [
+            t('invoice.number'),
+            t('invoice.student'),
+            t('invoice.amount'),
+            t('invoice.issuedAt'),
+            t('invoice.type'),
+            t('field.status'),
+        ]
+
+        const rows = list.invoices.map((invoice) => [
+            invoice.invoiceNumber ?? '—',
+            invoice.student?.userDto?.fullName ?? '—',
+            formatAmount(invoice.amount),
+            formatDate(invoice.issuedAt) || '—',
+            invoice.type || '—',
+            invoice.status ? t(`invoice.status.${invoice.status}`) : '—',
+        ])
+
+        const csvString = generateCsvContent([headers, ...rows])
+        const today = new Date().toISOString().slice(0, 10)
+        const filename = sanitizeFilename(`payments_${today}.csv`)
+        downloadCsv(filename, csvString)
+    }
+
     const mutationError = changeStatus.error ?? remove.error ?? refund.error
 
     return (
@@ -99,6 +126,13 @@ export function PaymentsPage() {
                     <IconButton label={t('common.back')} onClick={() => navigate('/')}>
                         <BackIcon />
                     </IconButton>
+                    <Button
+                        size="sm"
+                        onClick={handleDownloadCsv}
+                        disabled={list.isLoading || list.invoices.length === 0}
+                    >
+                        {t('common.downloadCsv')}
+                    </Button>
                     <Button variant="primary" size="sm" onClick={() => setIsModalOpen(true)}>
                         {t('invoice.new')}
                     </Button>
diff --git a/src/shared/i18n/locales/en/common.ts b/src/shared/i18n/locales/en/common.ts
index f3cc968..07f068e 100644
--- a/src/shared/i18n/locales/en/common.ts
+++ b/src/shared/i18n/locales/en/common.ts
@@ -8,6 +8,7 @@ export const common: Record<CommonKeys, string> = {
     'common.close': 'Close',
     'common.edit': 'Edit',
     'common.delete': 'Delete',
+    'common.downloadCsv': 'Download',
     'common.signOut': 'Sign out',
     'common.loading': 'Loading…',
     'common.empty': '—',
diff --git a/src/shared/i18n/locales/ru/common.ts b/src/shared/i18n/locales/ru/common.ts
index 65af8e4..bac585d 100644
--- a/src/shared/i18n/locales/ru/common.ts
+++ b/src/shared/i18n/locales/ru/common.ts
@@ -8,6 +8,7 @@ export const common: Record<CommonKeys, string> = {
     'common.close': 'Закрыть',
     'common.edit': 'Изменить',
     'common.delete': 'Удалить',
+    'common.downloadCsv': 'Скачать',
     'common.signOut': 'Выйти',
     'common.loading': 'Загрузка…',
     'common.empty': '—',
diff --git a/src/shared/i18n/locales/uz/common.ts b/src/shared/i18n/locales/uz/common.ts
index 8e999bf..32d5f13 100644
--- a/src/shared/i18n/locales/uz/common.ts
+++ b/src/shared/i18n/locales/uz/common.ts
@@ -11,6 +11,7 @@ export const common = {
     'common.close': 'Yopish',
     'common.edit': 'Tahrirlash',
     'common.delete': "O'chirish",
+    'common.downloadCsv': 'Yuklab olish',
     'common.signOut': 'Chiqish',
     'common.loading': 'Yuklanmoqda…',
     'common.empty': '—',
diff --git a/src/shared/lib/csv.test.ts b/src/shared/lib/csv.test.ts
new file mode 100644
index 0000000..e61d3df
--- /dev/null
+++ b/src/shared/lib/csv.test.ts
@@ -0,0 +1,65 @@
+import { describe, expect, it, vi } from 'vitest'
+import { downloadCsv, generateCsvContent, sanitizeFilename } from './csv'
+
+describe('sanitizeFilename', () => {
+    it('normalizes invalid characters in filenames', () => {
+        expect(sanitizeFilename('Group/1:A')).toBe('Group_1_A')
+        expect(sanitizeFilename('   ')).toBe('file')
+        expect(sanitizeFilename('Group 101')).toBe('Group 101')
+    })
+})
+
+describe('generateCsvContent', () => {
+    it('generates CSV with UTF-8 BOM and escapes quotes and commas', () => {
+        const data = [
+            ['Name', 'Status', 'Note'],
+            ['Ali Valiyev', 'PRESENT', 'Good, normal'],
+            ['Vali "Hero" Sodyqov', 'EXCUSED', 'Kasal / "Doctor" note'],
+        ]
+        const csv = generateCsvContent(data)
+
+        // Starts with UTF-8 BOM
+        expect(csv.startsWith('\uFEFF')).toBe(true)
+
+        // Contains formatted rows
+        expect(csv).toContain('Name,Status,Note')
+        expect(csv).toContain('Ali Valiyev,PRESENT,"Good, normal"')
+        expect(csv).toContain('"Vali ""Hero"" Sodyqov",EXCUSED,"Kasal / ""Doctor"" note"')
+    })
+
+    it('handles empty and null values gracefully', () => {
+        const data = [['Header 1', 'Header 2'], [null, undefined], [123, true]]
+        const csv = generateCsvContent(data)
+        expect(csv).toBe('\uFEFFHeader 1,Header 2\n,\n123,true')
+    })
+})
+
+describe('downloadCsv', () => {
+    it('creates link element and triggers download', () => {
+        const appendSpy = vi.spyOn(document.body, 'appendChild')
+        const removeSpy = vi.spyOn(document.body, 'removeChild')
+        const createObjectURLMock = vi.fn().mockReturnValue('blob:http://localhost/test-url')
+        const revokeObjectURLMock = vi.fn()
+
+        globalThis.URL.createObjectURL = createObjectURLMock
+        globalThis.URL.revokeObjectURL = revokeObjectURLMock
+
+        const clickMock = vi.fn()
+        const createElementOriginal = document.createElement.bind(document)
+        vi.spyOn(document, 'createElement').mockImplementation((tagName: string) => {
+            const el = createElementOriginal(tagName)
+            if (tagName === 'a') {
+                el.click = clickMock
+            }
+            return el
+        })
+
+        downloadCsv('test.csv', '\uFEFFcol1,col2\nval1,val2')
+
+        expect(createObjectURLMock).toHaveBeenCalled()
+        expect(appendSpy).toHaveBeenCalled()
+        expect(clickMock).toHaveBeenCalled()
+        expect(removeSpy).toHaveBeenCalled()
+        expect(revokeObjectURLMock).toHaveBeenCalledWith('blob:http://localhost/test-url')
+    })
+})
diff --git a/src/shared/lib/csv.ts b/src/shared/lib/csv.ts
new file mode 100644
index 0000000..a513e05
--- /dev/null
+++ b/src/shared/lib/csv.ts
@@ -0,0 +1,49 @@
+/**
+ * CSV fayl yaratish va yuklab olish uchun utility funksiyalar.
+ * Excel Uzbek/Rus/Ingliz va maxsus belgilarni to'g'ri ochishi uchun UTF-8 BOM qo'shiladi.
+ */
+
+/**
+ * Fayl nomidagi ruxsat berilmagan va muammo tug'diradigan belgilarni xavfsiz belgilarga almashtiradi.
+ */
+export function sanitizeFilename(name: string): string {
+    return name.trim().replace(/[/\\?%*:|"<>]/g, '_') || 'file'
+}
+
+/**
+ * Matn katagini CSV qoidalariga ko'ra formatlaydi:
+ * Agar tarkibida vergul, qo'shtirnoq yoki yangi qator bo'lsa, qo'shtirnoqqa olinadi va
+ * ichki qo'shtirnoqlar double-quote (`""`) qilinadi.
+ */
+function escapeCsvCell(cell: string | number | boolean | null | undefined): string {
+    if (cell === null || cell === undefined) return ''
+    const str = String(cell)
+    if (/[",\n\r]/.test(str)) {
+        return `"${str.replace(/"/g, '""')}"`
+    }
+    return str
+}
+
+/**
+ * 2D massivni UTF-8 BOM ga ega CSV satriga aylantiradi.
+ */
+export function generateCsvContent(rows: (string | number | boolean | null | undefined)[][]): string {
+    const csvRows = rows.map((row) => row.map(escapeCsvCell).join(','))
+    const BOM = '\uFEFF'
+    return BOM + csvRows.join('\n')
+}
+
+/**
+ * Brauzerda CSV faylini yuklab olishni boshlaydi.
+ */
+export function downloadCsv(filename: string, content: string): void {
+    const blob = new Blob([content], { type: 'text/csv;charset=utf-8;' })
+    const url = URL.createObjectURL(blob)
+    const link = document.createElement('a')
+    link.href = url
+    link.setAttribute('download', filename)
+    document.body.appendChild(link)
+    link.click()
+    document.body.removeChild(link)
+    URL.revokeObjectURL(url)
+}
diff --git a/src/shared/lib/index.ts b/src/shared/lib/index.ts
index 4b321a7..60afb22 100644
--- a/src/shared/lib/index.ts
+++ b/src/shared/lib/index.ts
@@ -10,3 +10,4 @@ export {
     singular,
     titleCase,
 } from './format'
+export { downloadCsv, generateCsvContent, sanitizeFilename } from './csv'