Where can I get a CAS from?
There is no single government counter. A CAS comes from the institutions that keep the records, and each keeps a different slice.
| Source | What it mainly covers | What you usually provide |
|---|---|---|
| MFCentral | Mutual fund folios serviced by CAMS and KFintech, in one request | PAN and registered mobile or email, verified by a one-time code |
| CAMS | Folios serviced by CAMS | PAN and registered email |
| KFintech | Folios serviced by KFintech | PAN and registered email |
| NSDL | Demat holdings with NSDL participants and mutual fund units held in demat form | PAN and demat details |
| CDSL | Demat holdings with CDSL participants and mutual fund units held in demat form | PAN and demat details |
If you hold funds directly with fund houses (not in demat), the registrar or MFCentral route covers them. If you hold shares or ETFs in a demat account, the depository route covers those. Many people need both.
The exact screens and verification steps change from time to time, so follow the instructions on the portal itself and never share the one-time code with anyone.
What do I need before I start?
- PAN. Statements are built from the PAN the folio or demat account was opened with.
- A working email and mobile registered on the folios. The portal sends the statement or a one-time code there. If the registered email is old, ask the fund house or depository participant to update it first.
- The period. Common choices are a financial year or a custom range. Portals set their own maximum range, so check what the one you use allows.
- A decision on detail. A summary lists holdings. A detailed statement lists every transaction, and it is the one to use if you want to check SIPs, switches and units.
How do I request it, step by step?
The steps are similar everywhere:
- Open the official site of the registrar or depository. Type the address yourself or use a link from the AMFI, SEBI or fund house website, not a link from a message.
- Choose the statement type and the period.
- Enter your PAN and the registered email or mobile.
- Verify with the one-time code if the portal asks.
- Choose detailed or summary.
- Submit. The statement usually arrives by email as a PDF.
- Note the password rule the portal states. Statements are typically protected, and the portal or email says how the password is built.
If nothing arrives, check spam, confirm the email on record and try again. Two or three failed attempts usually mean the PAN and email do not match the records, which the fund house or depository participant can fix.
Which statement for which question?
| Your question | Statement that helps |
|---|---|
| Which mutual funds do I hold across all fund houses? | Registrar or MFCentral CAS |
| Which shares, ETFs and demat funds do I hold? | NSDL or CDSL CAS |
| Did my SIPs run on the dates and amounts I set? | Detailed registrar CAS |
| How many units do I hold in one scheme? | Either, for that scheme |
| What was my purchase history for a tax calculation? | Detailed statement covering the full holding period |
How do I combine them? A worked example
Say Karan collects four statements for one date:
| Source | Holdings | Value (₹) |
|---|---|---|
| Registrar CAS, fund house A | 2 folios | 1,20,000 |
| Registrar CAS, fund house B | 1 folio | 85,500 |
| Registrar CAS, fund house C | 1 folio | 42,300 |
| Depository CAS | Shares held in demat | 60,200 |
| Total | 3,08,000 |
Working: 1,20,000 + 85,500 = 2,05,500. 2,05,500 + 42,300 = 2,47,800. 2,47,800 + 60,200 = 3,08,000.
Now the overlap check. If one of Karan's funds is held in demat form, it can show on the depository statement and also appear in a registrar statement for the same PAN. Say that fund is worth ₹18,000. Adding both statements would count it twice and give ₹3,26,000, an overstatement of ₹18,000. Before adding, match each scheme name and folio or demat reference once.
What do people miss?
- Statement for the wrong period. A one-month statement may leave out holdings with no transactions that month.
- Old registered email. The statement goes to an address you no longer open.
- Counting the same fund twice. Demat and registrar statements can overlap.
- Using a lookalike site. Only use the official registrar, depository or MFCentral site. A real CAS request never needs your net banking password, card details or an OTP shared with a third party.
- Forgetting folios under another PAN. A parent's or minor's holdings have their own PAN.
- Keeping the PDF in a shared chat. The statement carries your PAN, folios and email. Store it somewhere private and delete extra copies.
What if the statement does not match what I expect?
Differences are common and usually have a simple cause.
- A fund is missing. The folio may be under a different PAN or an old email. Ask the fund house to update the details and request again.
- The value differs from your fund app. A statement is valued at the NAV of one date. An app may show a later date. Compare dates before you compare values.
- A recent purchase is not there. Units are allotted on a later date than the payment date, and the statement period may end before allotment.
- The same fund appears twice. A holding in demat form can appear on a depository statement and also on a registrar statement. Count it once.
- The file will not open. Re-read the email or the portal message about the password rule, check that you are using the same PAN, and do not guess repeatedly on a third-party site.
How often should I refresh my CAS?
It depends on what you want it for. Some people request a detailed statement once a year, after the financial year ends, for tax and records. Others request a summary each quarter to see holdings across fund houses on one date. If you are investing through SIPs, a quick check twice a year that the dates and amounts match your plan is reasonable. Whatever the rhythm, note the date of each statement so that you always know how old the numbers are.
Keep older statements for as long as you hold the investment, because purchase dates and costs on them can matter when you later work out gains. Store them privately, in one folder, with the period in the file name.
What should I do after I download it?
Treat the file as a private document. Save it in one folder with the period and the source in the file name, such as the year and the registrar. Check the first page for your name, PAN ending and period, then open the portfolio summary and compare the number of schemes with your own list.
If you plan to upload it to a tool to read it, check three things first: whether the tool says what it does with the file, whether the file is kept or discarded after reading, and whether you can review what it extracted before it is saved. A statement reveals your holdings and personal identifiers, so share it only with services you chose.
When you no longer need old copies, delete the extras. One clean copy of each statement is easier to protect than five forwarded ones.
What to check for your own situation
- Which of my holdings are in folios, and which are in demat?
- Is the registered email or mobile on each one current?
- Is the period long enough to cover the transactions I want to check?
- Have I matched each scheme once across all statements?
- Where will the PDFs be stored, and who else can open them?
How this looks in Kubear
Kubear is a web app with no bank linking. You upload a CAS, Kubear reads it into a draft of holdings with units and NAV dates, and you review and confirm before anything is saved. Uploaded files are discarded after reading. Kubear shows what the statement says and adds up the values you confirmed. It does not suggest funds.
This is general education, not personal financial, tax or insurance advice.