Most people with a decade of investing behind them cannot say what they own. Not because they are careless — because the information is scattered across four fund houses, two platforms, an old bank relationship and a folio opened in 2016 and forgotten.
The CAS solves this completely, it is free, and almost nobody uses it.
What it is
A Consolidated Account Statement is a single document listing every mutual fund holding and transaction across all fund houses, tied together by your PAN.
It exists because the industry’s record-keeping is centralised at two registrars — CAMS and KFintech — between them covering essentially every AMC. Because they hold the registry, they can assemble one statement across houses that no single AMC could produce.
There are two flavours worth knowing apart:
- The RTA CAS (CAMS/KFintech) — mutual funds only.
- The depository CAS (NSDL/CDSL) — for anyone with a demat account, this adds shares, bonds and ETFs alongside the mutual funds, giving a genuinely complete securities picture.
How to get it
Free, self-service, no login required for the emailed version:
- Go to the CAMS or KFintech CAS page (either can produce the consolidated statement — you do not need both).
- Enter your PAN and the email address registered in your folios. This is the security check: the statement is only ever sent to the registered email, which is why it cannot be requested for someone else.
- Choose the period — “since inception” is the one you want the first time.
- Choose the statement type: a summary for a snapshot, or detailed for every transaction.
- Set a password and receive it by email as a password-protected PDF.
If your investments sit across two different registered email addresses, you will need to request one per address — and that itself is worth fixing.
What to actually check when it arrives
The point is not to file it. Four things to look for:
- Folios you had forgotten. Almost everyone with ten years of history finds at least one. Old employer-linked investments and pre-2015 folios are the usual suspects.
- Blank nominations. The statement shows nominee registration status. Any folio without one is a problem for your family — fix it via nomination.
- Regular plans you meant to stop feeding. The plan is in the scheme name. Any Regular-plan folio still receiving a SIP is quietly paying trail commission — see Direct vs Regular.
- Duplication. Five funds doing one job is the standard finding. This is the raw material for cleaning up a portfolio.
Why it matters at tax time
The detailed CAS lists every purchase and redemption with dates and amounts. That is precisely the input a capital-gains computation needs, because units are matched oldest first and the tax depends on each lot’s purchase date and cost.
Most platforms also issue a dedicated capital gains statement for a financial year, which is the document to use when filing. The CAS is the underlying record; the gains statement is the summary.
WealthTicker’s portfolio import reads a CAS PDF directly and reconstructs your holdings and transactions from it, which is the fastest route from “I do not know what I own” to a computed position.
Pitfalls to avoid
- Do not let the registered email go stale. If it is an address you no longer check, you cannot receive a CAS — and you are also missing every regulatory communication. Update it with the RTA.
- Do not request only the last year. Since inception is what surfaces the forgotten folios, which is the main prize.
- Do not treat the CAS as a tax document. Use the capital-gains statement for filing; the CAS is the transaction record behind it.
- Do not share the PDF casually. It contains your full holdings and partial PAN. It is password-protected for a reason.
- Do not assume it covers everything. The RTA CAS covers mutual funds. Shares, bonds and ETFs need the depository CAS.
Key takeaway
One free statement, requested with a PAN and a registered email, shows every mutual fund holding you have across every fund house. Pull a “since inception” detailed CAS once a year, and use it for the three jobs it is uniquely good at: finding forgotten folios, catching blank nominations, and seeing how much duplication you have actually accumulated.
Terms used here
More in Module 2 — Mechanics and ways to invest
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