How to Download and Read Your CAS (Consolidated Account Statement) in 2026
Last updated: 13 October 2026
Quick answer: A consolidated account statement (CAS) is a single PDF listing every mutual fund folio, and any demat holdings, linked to your PAN. For mutual funds only, request a CAMS + KFintech CAS online or download one from MF Central; it arrives by email within minutes. If you have a demat account, NSDL or CDSL emails a CAS monthly. Both are free.
Last updated: 13 October 2026 Quick answer: A consolidated account statement (CAS) is a single PDF listing every mutual fund folio, and any demat holdings, linked to your PAN. For mutual funds only, request a CAMS + KFintech CAS online or download one from MF Central; it arrives by email within minutes. If you have a demat account, NSDL or CDSL emails a CAS monthly. Both are free. Key takeaways One request, all funds: the CAMS + KFintech CAS covers schemes of every AMC serviced by both registrars. Choose Detailed: the summary version hides transactions, so you cannot check SIPs or cost. Automatic CAS: e-CAS is due within 12 days of month-end if you transacted that month. Half-yearly CAS: shows the rupee commission paid to your distributor and each scheme's expense ratio. Missing folio? Usually a PAN, KYC or email gap on that folio, which you can fix. Ask ten investors how many mutual fund folios they have and most will guess. Ask them to prove it and few can. Folios opened through a bank RM in 2012, an ELSS bought in a March rush, a SIP started through an app and forgotten: they are all still under your PAN. The consolidated account statement is the one document that gathers all of them. This guide shows exactly how to download a CAS from each official source as of October 2026, which version to pick, how to read every section, and what to do when something is missing or wrong. What is a consolidated account statement (CAS)? A consolidated account statement is a PAN-based statement that combines your holdings and transactions across all mutual fund houses, and, if you hold a demat account, your shares, bonds and ETFs too. SEBI introduced it so investors would no longer need one statement per fund house. There are really two kinds, and the difference matters: RTA CAS (mutual funds only): generated by the two registrars, CAMS and KFintech, either on request or through their joint portal MF Central. Between them they service practically every Indian AMC. Depository CAS: sent by NSDL or CDSL when your PAN has a demat account. It combines demat holdings with mutual fund units held in statement-of-account (folio) form. According to AMFI, when a PAN is common to the depositories and the registrars, the depository sends the CAS. If you have no demat account, the mutual funds send it. Either way, you can request an on-demand RTA CAS whenever you like. Comparison of RTA consolidated account statement and NSDL CDSL depository CAS How to download a CAS from CAMS and KFintech This is the fastest route for a mutual-fund-only statement. One request on either site covers schemes serviced by both CAMS and KFintech. The statement is emailed only to an email ID already registered in your folios, which is a privacy safeguard. CAMS + KFintech CAS: step by step Go to camsonline.com (https://www.camsonline.com/Investors/Statements/Consolidated-Account-Statement) and open Investors, then Statements, then CAS - CAMS+KFintech . Under statement type, choose Detailed (includes transactions). Summary gives only balances and valuation. Select the period. For a full history, choose a specific period starting from before your first investment. Under folio listing, choose the option that includes zero-balance folios if you want to see old, fully redeemed folios too. Enter your registered email ID and PAN, then create and confirm a password for the PDF. Submit. The password-protected PDF normally arrives within minutes, occasionally up to an hour. The KFintech route The KFintech CAS page (https://mfs.kfintech.com/investor/General/ConsolidatedAccountStatement) works the same way. You choose Summary or Detailed; the current financial year, the previous financial year or a specific period; and whether to include zero-balance folios. The password must have at least 8 characters with an upper-case letter, a lower-case letter, a number and a special character. Steps to download a consolidated account statement from CAMS and KFintech How to download a CAS from MF Central MF Central is the joint investor portal of CAMS and KFintech. Its advantage is that you can view and download the statement immediately after logging in, rather than waiting for an email. Go to mfcentral.com (https://www.mfcentral.com/) and sign up or sign in with your PAN, then verify with the OTP sent to your registered mobile or email. Open the CAS or statement section from the dashboard menu. Choose Summary or Detailed CAS. Select the current financial year, the previous financial year, or a specific period of up to 365 days. Download the PDF or have it emailed to your registered address. The 365-day cap on a specific period means MF Central is ideal for a year's activity. For a ten-year transaction history in one file, the CAMS mail-back request is easier. MF Central also lets you change bank mandates, contact details and nominations across folios in one request, and hosts SEBI's MITRA search for forgotten folios (see our guide to tracing unclaimed mutual fund investments (/insights/unclaimed-mutual-fund-money-mitra) ). How to get your NSDL or CDSL CAS If you have a demat account, you already receive a depository CAS by email. The depository where you opened your first demat account sends it by default. You can switch the preferred depository through your depository participant (DP). CDSL CAS Open the CAS section of cdslindia.com (https://www.cdslindia.com/CAS/FAQ.html) and choose to log in to CAS. Enter your PAN, your 16-digit BO ID and date of birth (all three are mandatory). Complete the OTP sent to your registered mobile, pick the month, and download the duplicate CAS. NSDL CAS Register for NSDL's IDeAS service at eservices.nsdl.com and subscribe to e-CAS. Once registered, you can view e-CAS statements sent to you in the previous twelve months. To switch between email and physical delivery, use the subscribe option on nsdlcas.nsdl.com (https://nsdlcas.nsdl.com/) or ask your DP. Password: both NSDL and CDSL say the e-CAS opens with the PAN of the first or sole holder, typed in capital letters. DigiLocker: under SEBI's March 2025 DigiLocker framework, you can also pull your demat holdings statement and CAS into DigiLocker and name a data-access nominee who gets read-only access after your death. That makes it easier for family to locate assets later. When does the automatic CAS arrive? You do not need to request the depository CAS. It arrives on a fixed schedule. Email is the standard delivery mode, and physical copies are sent if you opt for them. SEBI's circular of 14 February 2025, effective 14 May 2025, set the current deadlines. CAS type When you get it e-CAS deadline Physical deadline Monthly Any transaction in a demat account or MF folio that month Within 12 days of month-end Within 15 days of month-end Half-yearly No transaction in the half-year to March or September By 18 April / 18 October By 21 April / 21 October Annual (physical) Demat account with nil balance and no activity Not applicable Once a year So the half-yearly CAS for holdings as of 30 September 2026 should be in inboxes by 18 October 2026. It is worth reading carefully, for reasons explained below. Consolidated account statement dispatch timelines set by SEBI Detailed vs summary CAS: which should you pick? Need Best version Why Quick net-worth check Summary Shows scheme-wise units and value only Checking SIPs, switches, dividends Detailed Lists every transaction with date, NAV and units Calculating XIRR or capital gains Detailed, full period You need purchase dates and amounts Portfolio review or transfer to a new adviser Detailed with zero-balance folios Shows old and closed folios too Tracking shares and bonds as well Depository CAS RTA CAS does not cover demat securities How to read your CAS, section by section Layouts differ slightly between CAMS, KFintech, NSDL and CDSL, but the building blocks are the same. 1. Investor details Your name, email and mobile (partly masked) appear at the top. The statement goes to the address in your KYC record. If an email or mobile here is old, update it, because SEBI-mandated alerts and OTPs go to these details. 2. Portfolio summary This is the one-page view: each fund house, the cost value of your investments and the current market value. The difference is your unrealised gain or loss in rupees. It is not an annualised return. For that, use XIRR (see XIRR vs CAGR vs absolute return (/insights/xirr-vs-cagr-vs-absolute-return) ). 3. Folio and scheme block Each folio shows the AMC, folio number, scheme name with plan and option (for example Direct Plan, Growth), ISIN, registrar, KYC status, PAN status and nominee status. Check three things here. Is it the plan you intended, Direct or Regular? Is the option Growth or IDCW? Is a nominee registered, or have you formally opted out? Our nomination rules guide (/insights/nomination-rules-mutual-funds-demat-2026) explains why that matters. 4. Transactions The detailed CAS lists every purchase, SIP instalment, redemption, switch, STP, SWP, dividend and bonus, with date, amount, NAV and units. Stamp duty of 0.005% on purchases appears as a separate small line. If a month's SIP is missing, the instalment probably bounced or the mandate lapsed. 5. Closing balance and valuation Each scheme ends with closing units, the NAV and date used, and the market value. Cost value is the total amount invested in that scheme (SEBI has required it in every CAS since October 2016). 6. Commission and expense ratio (half-yearly CAS) Under SEBI's September 2016 circular, the half-yearly CAS issued for periods ending September and March must show the rupee commission paid to your distributor for each scheme, plus the scheme's average total expense ratio for the half-year. Direct plans pay no commission, which is why their TER is lower. Read our explainers on expense ratios and other costs (/insights/mutual-fund-expense-ratio-exit-load-costs) and direct vs regular plans (/insights/direct-vs-regular-mutual-funds-what-the-higher-return-claim-leaves-out) before drawing conclusions. Checklist for reading a mutual fund consolidated account statement Why is a folio missing from my CAS? This is the most common question, and there are usually four reasons: No PAN on the folio: folios opened before PAN became mandatory, or with a joint holder lacking a PAN, cannot be consolidated. AMFI says CAS includes only folios where all holders have valid PANs. Different email: the on-demand RTA CAS reaches only an email registered in that folio, so a folio carrying an old email may be left out. Minor's folio: folios held in a minor's name are not consolidated, because guardians can differ. Units in demat: MF units held in demat appear in the NSDL/CDSL CAS, not the RTA CAS. The fix is to update PAN, KYC and contact details in that folio through the AMC or registrar. If your KYC itself is flagged, our guide to KYC status: validated, registered or on hold (/insights/mutual-fund-kyc-status-validated-registered-on-hold) walks through it. For folios you have truly forgotten, search MITRA. What can you use a CAS for? Portfolio review: see overlap, too many funds and orphan folios at a glance. Our checklist of signs your portfolio needs a review (/insights/signs-your-mutual-fund-portfolio-needs-a-review) pairs well with it. Tax filing: the transaction list supports your capital gains working. Registrars also issue a separate capital gains statement on request, which is easier for the ITR. See capital gains tax on mutual funds in 2026 (/insights/capital-gains-tax-mutual-funds-2026) . Loans against mutual funds: lenders often ask for a recent CAS to confirm holdings. Estate planning: a printed CAS in your records tells your family exactly where to claim. Consolidation: merge folios with the same AMC and close dormant ones (see consolidating scattered investments (/insights/consolidate-scattered-investments-and-policies) ). How do other countries handle this? India's PAN-based CAS is unusually comprehensive. In the US, investors typically get separate statements from each broker or fund company and rely on aggregator apps to combine them. India's model, with registrars and depositories pooling data by PAN, gives a regulator-mandated single view at no cost. The trade-off is that it only works if your PAN and KYC are correct in every folio. Related reading MF KYC status: validated, registered or on hold (/insights/mutual-fund-kyc-status-validated-registered-on-hold) How to trace unclaimed or forgotten mutual fund investments (/insights/unclaimed-mutual-fund-money-mitra) XIRR vs CAGR vs absolute return (/insights/xirr-vs-cagr-vs-absolute-return) How to read a mutual fund factsheet (/insights/how-to-read-mutual-fund-factsheet) Claiming mutual funds after a death (/insights/mutual-fund-transmission-after-death) Frequently Asked Questions Is the consolidated account statement free? Yes. CAMS, KFintech, MF Central, NSDL and CDSL all provide the CAS free of charge. The depository CAS is emailed automatically each month you transact, and half-yearly otherwise. You can request an on-demand mutual fund CAS from CAMS or KFintech as often as you like without paying anything. What is the password for a CAS PDF? For a CAS you request from CAMS or KFintech, it is the password you set on the request form. For NSDL and CDSL e-CAS, it is the PAN of the first or sole holder in capital letters. If a monthly statement sent by an AMC will not open, check the email body, which states the password format used. Can I get a CAS without a registered email? Not on demand. The online CAMS and KFintech requests send the statement only to an email registered in your folios. Without one, you receive only the monthly or half-yearly CAS by post. The simplest fix is to update your email in your folios through MF Central or your AMC, then request again. Does CAS show capital gains for tax filing? No. The CAS shows transactions, cost value and market value, but not computed capital gains or tax. CAMS and KFintech issue a separate capital gains statement on request, which separates short-term and long-term gains by financial year. Use it alongside the detailed CAS when preparing your return. Why do I get my CAS from NSDL when I invest through CDSL? If you have demat accounts with both depositories, the one where you opened your first account sends the CAS by default. You can ask your depository participant to change the preferred depository. The content is the same: all demat accounts and mutual fund folios under your PAN. How far back can a CAS go? The CAMS mail-back form lets you choose a specific period, so you can request transactions from your first investment. MF Central limits a specific period to 365 days per download, besides current and previous financial years. NSDL lets registered users view the last twelve months of e-CAS; CDSL offers duplicate monthly statements on its CAS page. Does the CAS include SIFs or PMS holdings? PMS holdings sit in your own demat account, so the securities appear in the depository CAS, though the PMS provider also sends its own statement. SIF units are issued by mutual fund houses, so they should appear in registrar statements. Check your specific statement and ask your distributor if anything looks incomplete. Sources: AMFI: Consolidated Account Statement (https://www.amfiindia.com/investor-corner/investor-center/cas.html) ; AMFI: Download CAS (https://www.amfiindia.com/online-center/download-cas) ; SEBI circular on revised CAS timelines, 14 Feb 2025 (https://www.sebi.gov.in/legal/circulars/feb-2025/revised-timelines-for-issuance-of-consolidated-account-statement-cas-by-depositories_91927.html) ; CDSL CAS FAQs (https://www.cdslindia.com/CAS/FAQ.html) ; NSDL FAQs on CAS (https://investor.nsdl.com/portal/en/kb/articles/faqs-on-cas-26-10-2023) ; KFintech CAS request (https://mfs.kfintech.com/investor/General/ConsolidatedAccountStatement) . Portal steps checked October 2026; menus can change. Got your CAS and not sure what it is telling you? A second pair of eyes can spot overlap, wrong plans, missing nominees and forgotten folios in minutes. Talk to Money n Wealth (/contact) for a free portfolio review. This article is for general educational purposes only and does not constitute financial advice. Figures and examples are illustrative. Please consult a qualified financial adviser for guidance specific to your situation. Money n Wealth (Predics Fintech Services Pvt Ltd) is an AMFI-registered Mutual Fund Distributor (ARN-121995) and APMI-registered PMS Distributor (APRN07444); it is not a SEBI-registered investment adviser and may earn distribution commission on investments made through it.
Frequently Asked Questions
Is the consolidated account statement free?
Yes. CAMS, KFintech, MF Central, NSDL and CDSL all provide the CAS free of charge. The depository CAS is emailed automatically each month you transact, and half-yearly otherwise. You can request an on-demand mutual fund CAS from CAMS or KFintech as often as you like without paying anything.
What is the password for a CAS PDF?
For a CAS you request from CAMS or KFintech, it is the password you set on the request form. For NSDL and CDSL e-CAS, it is the PAN of the first or sole holder in capital letters. If a monthly statement sent by an AMC will not open, check the email body, which states the password format used.
Can I get a CAS without a registered email?
Not on demand. The online CAMS and KFintech requests send the statement only to an email registered in your folios. Without one, you receive only the monthly or half-yearly CAS by post. The simplest fix is to update your email in your folios through MF Central or your AMC, then request again.
Does CAS show capital gains for tax filing?
No. The CAS shows transactions, cost value and market value, but not computed capital gains or tax. CAMS and KFintech issue a separate capital gains statement on request, which separates short-term and long-term gains by financial year. Use it alongside the detailed CAS when preparing your return.
Why do I get my CAS from NSDL when I invest through CDSL?
If you have demat accounts with both depositories, the one where you opened your first account sends the CAS by default. You can ask your depository participant to change the preferred depository. The content is the same: all demat accounts and mutual fund folios under your PAN.
How far back can a CAS go?
The CAMS mail-back form lets you choose a specific period, so you can request transactions from your first investment. MF Central limits a specific period to 365 days per download, besides current and previous financial years. NSDL lets registered users view the last twelve months of e-CAS; CDSL offers duplicate monthly statements on its CAS page.
Does the CAS include SIFs or PMS holdings?
PMS holdings sit in your own demat account, so the securities appear in the depository CAS, though the PMS provider also sends its own statement. SIF units are issued by mutual fund houses, so they should appear in registrar statements. Check your specific statement and ask your distributor if anything looks incomplete.
Got your CAS and not sure what it is telling you?
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