Contents
What is a CAS statement?
A Consolidated Account Statement (CAS) brings together every mutual fund folio linked to your PAN, across fund houses, in one statement. For each scheme it shows the units you hold, their value, what you invested, and the transactions in the period. Joint holdings are grouped by the first holder’s PAN and the order of holders. You no longer have to piece together a separate statement from each fund house, and since a 2014 SEBI circular, investors with a demat account get one statement covering both their demat holdings and their mutual funds.
CAMS or KFintech CAS vs NSDL or CDSL CAS
Which statement you receive depends on whether your PAN also has a demat account.
| Fund house CAS (CAMS and KFintech) | Depository CAS (NSDL or CDSL) | |
|---|---|---|
| Who gets it | Investors with mutual funds but no demat account | Investors whose PAN also has a demat account |
| What it covers | Mutual fund units held in statement form, across fund houses | Shares, bonds and other demat holdings, plus mutual fund units in statement form |
| Who sends it | Your fund houses, through their registrars CAMS and KFintech | The depository where your earlier demat account was opened, unless you choose the other |
| On request | CAMS, KFintech or MF Central, any time | Past statements from the NSDL or CDSL website |
If all your mutual fund units are held in demat, the depositories send your demat statement rather than a CAS, and the fund house CAS may not show those units fully. You can opt out of the depository CAS.
When the CAS is sent
- Every month you transact. The depository CAS goes out by email by the 12th of the next month; the fund house CAS by the 15th.
- Every six months otherwise, for the periods ending September and March. The depository CAS goes by email by 18 October and 18 April; the fund house CAS by the 21st of the following month.
- By email by default. You can ask for a physical copy at your registered address. Depositories also send a quarterly SMS telling you which email address the CAS goes to.
How to get your CAS from CAMS
On camsonline.com, open Investors, then Statements, then Consolidated Account Statement. The CAMS form covers funds serviced by both CAMS and KFintech; a separate option gives CAMS-serviced funds only.
- Choose a summary (holdings and values on a date) or a detailed statement with transactions.
- For a detailed statement, pick the current financial year, the previous one, or a specific period.
- Choose whether to include folios with a zero balance.
- Enter the email address registered in your folios. PAN is optional.
- Set a password: 8 to 15 characters, starting with a letter, with at least one capital letter, one digit and one of @ # $ * _.
The statement arrives at your registered email as a PDF that opens with that password. CAMS notes that demat holdings on it may be incomplete.
How to get your CAS from KFintech
KFintech’s consolidated account statement form works the same way: summary or detailed, the period, whether to include zero-balance folios, your registered email, PAN (optional) and a password you enter twice. The PDF comes by email and opens with that password.
CAS from MF Central
MF Central is the common platform built by CAMS and KFintech under SEBI’s direction. After you sign up and log in, it shows your portfolio across fund houses and gives a Common Account Statement: the summary appears on screen at once, and a detailed statement for up to 365 days appears under Downloads after processing. It is download only, and covers the folios registered to your login.
NSDL and CDSL CAS
- NSDL. Subscribe to the emailed CAS at nsdlcas.nsdl.com. To download statements from the last 12 months, register for NSDL’s IDeAS service or use its SPEED-e app.
- CDSL. Log in to the CDSL CAS page with your PAN, demat (BO) account number and date of birth to download the statements CDSL has sent you.
CAS PDF password
| Statement | Password |
|---|---|
| CAS you request from CAMS | The password you set on the form |
| CAS you request from KFintech | The password you set on the form |
| NSDL e-CAS | PAN of the first or sole holder, in capital letters |
| CDSL e-CAS | PAN of the first or sole holder, in capital letters |
| Other emailed statements | The covering email gives the password format |
How to read your CAS
- Your details. Name, PAN, email and the order of holders. Check that the email and mobile are yours: statements and alerts go there.
- Folio summary. Each scheme with its plan (regular or direct), units, latest NAV, market value and cost of investment.
- Transactions. Purchases, SIP instalments, switches and redemptions for the period, with any charges deducted.
- Commission and expenses, twice a year. The half-yearly CAS shows the commission your fund house paid your distributor for each scheme in rupees, and each scheme’s total expense ratio for the plans you hold, broken into fees, distributor commission and other expenses. Since April 2026 the total expense ratio is the base expense ratio plus other charges.
- Demat holdings, in a depository CAS, listed separately from mutual fund units held in statement form.
What to check in your CAS
- Regular plans and the commission line. A rupee commission against a scheme means you hold its regular plan. The mutual fund commission calculator shows what it adds up to over time, and the guide to switching to a direct plan explains the steps.
- Funds that repeat each other. Several funds in the same category often hold many of the same shares. The mutual fund portfolio analyzer shows how concentrated you are.
- Your real return. Value against cost of investment ignores when each instalment went in. The XIRR calculator uses the transaction dates to give the annual return.
- Forgotten folios. Zero-balance or dormant folios, and the same fund held in more than one folio.
- Nominee and contact details, which you update with the fund house or registrar.
Questions people ask
CAS stands for Consolidated Account Statement. It lists your mutual fund holdings across all fund houses against your PAN, with transactions and current values, in a single statement. MF Central calls its version a Common Account Statement.
Request one from the CAMS or KFintech website using the email registered in your folios and a password you choose; it arrives by email as a password-protected PDF. You can also download it after logging in to MF Central. If you have a demat account, NSDL or CDSL emails you a CAS each month you transact, and you can download past statements from their sites.
For a CAS you request from CAMS or KFintech, it is the password you set on the request form. For the NSDL and CDSL e-CAS, it is the PAN of the first or sole holder in capital letters. For other statements, the covering email gives the password format.
The CAS from your fund houses, prepared by CAMS and KFintech, covers mutual fund units held in statement form. If your PAN also has a demat account, the depository (NSDL or CDSL) sends a combined CAS instead, covering your shares, bonds and other demat holdings as well as your mutual fund units.
Every month in which you transact, and every six months otherwise (for the periods ending September and March). It comes by email unless you ask for a physical copy.
Yes. Under SEBI rules, the half-yearly CAS shows, for each scheme, the commission your fund house paid your distributor in rupees, and the scheme’s total expense ratio for each plan you hold. Direct plans pay no distributor commission.
Units held in a demat account appear in the depository statement. If all your fund units are in demat, NSDL and CDSL send your demat statement rather than a CAS, and the fund house CAS may not show demat holdings fully.
CAMS, KFintech, MF Central, NSDL and CDSL are named only to explain where statements come from; the names belong to their owners and Genvest is not affiliated with them. This guide is educational and not personalised investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Registration granted by SEBI, enlistment with IAASB and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.