Track mutual funds with a CAS import: step by step

What problem does a CAS import solve?

Most investors hold mutual funds with three or four fund houses, bought through two or three apps over several years. Each app shows its own slice. The Consolidated Account Statement (CAS) is the one document that lists every folio under your PAN with every transaction, which makes it the only complete record. The CAS guide explains where it comes from and what it contains.

The Portfolio page reads that statement and turns it into a live view: every holding priced at the latest NAV, the cost of the units you still hold, and a money-weighted return across all of it. This post walks through the import and the first screen you see after it, using a hypothetical investor.

What do you need before you start?

Three things:

• A free WealthTicker account. The Portfolio page is behind sign-in; open it while signed out and you are sent to the login page, which brings you back afterwards.
• The detailed CAS as a PDF. The upload form links to CAMS's statement request page and asks for the Detailed Consolidated Account Statement. The parser also reads the CAS layout that MF Central exports.
• The PDF password you set when you requested the statement.

Request the statement from the date you first invested, not for the last year. A CAS that starts mid-way through your history carries opening balances with no purchase price behind them, and the page has to leave those units out of the invested and gain figures.

Step 1: upload the statement

On the Portfolio page, stay on the Upload CAS PDF tab. The form has two fields:

1. CAS PDF: a drop zone that says "Choose a file or drag it here". It accepts a PDF up to 20 MB.
2. PDF password.

Press Import. The page states that nothing is stored except what is parsed from the statement and that the password is used once and discarded.

If something is wrong, the error says what. A wrong password gives "That password didn't work". A summary statement gives "No transactions found in this file", with a note to request the detailed statement instead.

Step 2: what happens to the statement

Each folio in the statement is matched to a scheme by its ISIN, the code AMFI publishes for every plan and option. A matched folio is priced at that scheme's latest NAV.

Cost is worked out the way the registrars report it, first in, first out (FIFO). A redemption removes the oldest units and their cost, so "Invested" is the cost of the units you still hold, not the total you ever paid in. How SIP redemptions are taxed shows the same rule applied to tax.

An account holds one portfolio. Importing a new statement replaces the old one in full, which is how you bring it up to date.

Step 3: read the first screen

The top card leads with Current value and a chip showing the gain "on the units you still hold". Beside it sit Invested, XIRR (annualised), and, where the data allows, vs Nifty 50 TRI and vs your own funds. Below that is a strip of 1D, 1M, 1Y and 3Y moves, an "Invested vs value" chart and a monthly History of investments and withdrawals.

A line under the headline reads "Units as of" the import date and "NAVs as of" the latest NAV date. That line matters: units do not change until you re-import, so an SIP instalment that went in after the import is not on the page. Once the statement is three days old, the line becomes a "Statement is N days old · Re-import" link.

Under the top card are four tabs: Allocation, Performers & risk, Tax & actions and Holdings.

A worked example: a hypothetical five-fund statement

This investor is hypothetical; the funds and NAVs are real. From January 2021 they ran a ₹5,000 monthly SIP on the 10th in each of four Direct Growth equity funds, redeemed ₹1.5 lakh from the mid-cap fund on 10 March 2025, and put a ₹2 lakh lump sum into a corporate bond fund on 15 June 2023. Units are the amount divided by that day's NAV; stamp duty is ignored. Priced at NAVs as of 15 October 2026, the Holdings tab would read:

Two rows are worth a second look. HDFC Mid Cap shows ₹2,76,486 invested although ₹3,50,000 went in: the ₹1.5 lakh redemption took out the oldest units, which had cost ₹73,514. And its +107.8% is a gain on the units still held, measured against that smaller cost. The hero card shows the total as ₹21.60L, with an XIRR of 13.1%.

The table can be filtered by category and AMC, sorted by any column, and exported with Export CSV. Folio numbers are masked on screen, since this page tends to be screen-shared, but the CSV carries them in full.

What if a folio does not match?

A folio whose ISIN is not in the scheme list is shown as "unmatched" and listed in a note: "N folios couldn't be matched to a fund in our database — review which". Unmatched folios are left out of every total, allocation and look-through figure, rather than counted as zero. The note gives an email address for reporting the mapping.

To remove everything, use the ⋯ menu, choose "Delete this portfolio…" and type DELETE to confirm.

What the import does not do

• It does not connect to your accounts. Nothing updates on its own except NAVs; transactions arrive only with a new statement.
• It tracks mutual fund folios only. Shares, bonds and deposits are not in a CAMS or MF Central statement, so they are not on this page.
• It is not advice. Every figure is arithmetic on your own statement and published NAVs; the methodology page has the formulas.

If you want to check the XIRR by hand, calculating your SIP's XIRR in a spreadsheet uses the same cash-flow convention.