CAMS mutual fund account statement
The CAMS account statement is a transaction and holdings record produced by Computer Age Management Services (CAMS), one of India’s two major Registrar and Transfer Agents (RTAs) for the mutual fund industry. CAMS services folios for approximately 20–25 Asset Management Companies (AMCs), including fund houses such as HDFC Mutual Fund, SBI Mutual Fund, Nippon India, Aditya Birla Sun Life, and several others. The statement captures every transactional event on a folio – purchases, redemptions, switches, dividend payouts, SIP instalments, and bonus units – together with the resulting unit balance and its current market value.
The CAMS account statement is one of the constituent data sources for the broader Consolidated Account Statement (CAS), which combines holdings across both CAMS-serviced and KFintech-serviced AMCs into a single document.
About CAMS
CAMS was incorporated in 1988 and became the dominant mutual fund RTA in India through the 1990s and 2000s. It is listed on the National Stock Exchange and BSE (NSE: CAMS). As an SEBI-registered RTA under the Securities and Exchange Board of India (Registrars to an Issue and Share Transfer Agents) Regulations, 1993, CAMS is responsible for maintaining the register of unit holders, processing transactions, dispatching account statements, and updating KYC records for its client AMCs.
CAMS also operates the mycams.com investor services portal, CAMS Online (the transaction platform), and the CAMSPay payment gateway for mutual fund investments.
Regulatory basis for account statement issuance
SEBI Regulation 36 of the SEBI (Mutual Funds) Regulations, 1996 requires every AMC to dispatch an account statement to an investor within stipulated timelines after a transaction. RTAs execute this obligation on behalf of AMCs. Key SEBI circulars governing account statement dispatch include:
- SEBI circular SEBI/HO/IMD/DF2/CIR/P/2021/024 (4 March 2021): requires a consolidated account statement to be dispatched within 15 days of the end of the transaction month.
- SEBI circular CIR/IMD/DF/16/2011 (8 August 2011): introduced the requirement for an account statement immediately after the first SIP instalment, and thereafter on a half-yearly basis if no subsequent transaction occurred.
- AMFI operational guidelines: mandate specific data fields and format for investor-facing statements.
Types of CAMS statements
Transaction-confirmation statement
A transaction-confirmation statement is generated and dispatched (by e-mail or post) every time a transaction is processed on a folio. This includes:
- Fresh purchase (lump sum or SIP instalment)
- Redemption (full or partial)
- Switch (switch-out and switch-in treated as separate events)
- Dividend payout or reinvestment (IDCW)
- Systematic Transfer Plan (STP) debit and credit
- Systematic Withdrawal Plan (SWP) payment
The confirmation statement is a narrow, transaction-specific document. It does not carry a full historical ledger.
Detailed account statement
The detailed account statement is the full transaction ledger for a folio from inception to the requested date. It is available on demand through the mycams.com portal and includes:
- All transactions from folio opening date
- Running unit balance after each transaction
- NAV applicable to each transaction
- Dividend history
- Current unit balance and current market value
Portfolio valuation statement
Available on demand, the portfolio valuation statement shows only the current holdings snapshot – closing units, latest NAV, and current market value – without the transaction history.
Accessing a CAMS statement
Online via mycams.com
- Navigate to mycams.com and click “Investor Services”.
- Choose “Account Statement” from the dropdown menu.
- Enter the registered e-mail address and the folio number or PAN. CAMS sends a one-time password (OTP) to the registered mobile.
- Select the statement type: detailed, portfolio valuation, or capital gains.
- Specify the date range and submit.
- The statement is generated as a password-protected PDF. The default password is the first holder’s PAN in uppercase.
Through MFCentral
MFCentral (mfcentral.com), the joint portal operated by CAMS and KFintech, allows investors to download a cross-RTA CAS or a CAMS-only statement using PAN-based authentication with OTP.
By e-mail request
Investors may also request a statement by sending an e-mail from their registered e-mail address to investor@camsonline.com with the subject line specifying the type of statement required. CAMS processes such requests typically within one working day.
At CAMS service centres
Walk-in requests at CAMS service centres require the investor to submit a signed physical request form along with a copy of PAN card. Physical statements are dispatched by post.
Key fields in a CAMS account statement
| Field | Description |
|---|---|
| Folio number | Unique identifier for the investor-AMC relationship |
| Scheme name | Full scheme name including plan (Direct/Regular) and option (Growth/IDCW) |
| Transaction date | Date on which the transaction was effected |
| Transaction type | Purchase, redemption, switch-in, switch-out, IDCW payout, IDCW reinvestment, etc. |
| Amount | Rupee amount of the transaction |
| Applicable NAV | NAV at which the transaction was processed |
| Units transacted | Units purchased, redeemed, or switched |
| Cumulative units | Running unit balance after the transaction |
| Load (if any) | Exit load deducted on redemption |
| Status | Processed or rejected |
| Current NAV | NAV as of the statement generation date |
| Current value | Closing units multiplied by current NAV |
CAMS statement for capital gains and ITR filing
CAMS offers a dedicated capital gains statement separate from the main account statement. The capital gains statement applies the FIFO (first-in, first-out) method to each redemption to compute:
- Short-term capital gains (STCG): units held for less than 12 months (equity and equity-oriented funds) or less than 24 months (debt funds under the pre-April 2023 regime)
- Long-term capital gains (LTCG): units held beyond the applicable STCG threshold
- Cost of acquisition, full sale consideration, and gain/loss per redemption lot
The capital gains statement from CAMS is a key input document when preparing Schedule CG in ITR-2 or ITR-3. For debt fund redemptions after 1 April 2023 (Finance Act 2023 amendment), gains are taxable as ordinary income, and the CAMS statement reflects this classification.
CAMS statement vs KFintech statement
A single investor may hold folios with AMCs serviced by both CAMS and KFintech. In that case, the CAMS statement will not include KFintech-serviced folios, and vice versa. The CAS (or MFCentral combined statement) is the appropriate document to obtain a unified view. When filing income-tax returns, investors must obtain capital gains statements from both RTAs, or use the consolidated ITR-ready capital gains statement.
Data sharing with the Income Tax Department
CAMS reports mutual fund transaction data to the Income Tax Department through the Statement of Financial Transactions (SFT) mechanism under Section 285BA of the Income Tax Act. Specifically, SFT-015 covers purchase and redemption transactions of mutual fund units. These figures appear in the investor’s Annual Information Statement (AIS) and Form 26AS. Investors should verify that AIS figures match the CAMS statement before filing a tax return.
Statement retention
CAMS retains transaction data on its servers indefinitely. Investors can request a “statement from inception” at any point to obtain the full historical ledger. From the investor’s perspective, retaining CAMS statements for at least eight years (covering the statutory income-tax scrutiny window of six to seven years plus a buffer) is advisable for audit readiness.
Privacy and data security
CAMS encrypts all PDF statements with the investor’s PAN. The investor portal uses OTP-based two-factor authentication. CAMS is subject to SEBI’s cybersecurity framework for market infrastructure intermediaries and RTAs, which prescribes annual security audits, incident reporting, and data localisation norms.
CAMS XSIP and OTM mandate records
CAMS also maintains records of ECS/NACH mandates registered by investors for SIP and one-time mandates (OTM). An OTM (One Time Mandate) registered under CAMS allows investors to pre-authorise a bank account for future debit transactions up to a specified limit. The CAMS account statement for an investor with an OTM will show the OTM registration date, the mandate limit, and the associated bank account. When an SIP instalment is processed under an OTM, the transaction appears in the regular transaction history in the same format as any other purchase.
CAMS consolidated services for direct-plan investors
CAMS operates myCAMS Direct, a transaction portal that allows investors to invest directly in AMC schemes (bypassing distributors) through the CAMS infrastructure. Investors who transact through myCAMS Direct receive account statements that are structurally identical to distributor-routed folio statements. The plan type (Direct) is explicitly stated in the scheme name column of the statement.
Error handling and rectification
If a CAMS account statement contains an error – for example, a transaction amount is wrong, a NAV is incorrect, or a folio shows units that were not purchased – the investor should:
- Contact the AMC (not CAMS directly) to raise a transaction dispute.
- The AMC liaises with CAMS (its RTA) to investigate and rectify the error.
- If the AMC does not resolve the issue within SEBI’s prescribed timeline (30 days for most complaints), the investor may escalate to SEBI’s SCORES portal.
- After rectification, a revised SOA reflecting the corrected transaction is dispatched by CAMS.
CAMS also operates a dedicated investor helpline (+91-44-6626-2727) and physical service centres in major cities.
CAMS and the KYC ecosystem
When an investor completes the KYC process through a KYC Registration Agency (KRA) such as CVL KRA, NDML KRA, or CAMS KRA (CAMS itself is an SEBI-registered KRA), the KYC record is linked to the investor’s PAN and is accessible to all mutual fund AMCs. CAMS’s account statement reflects the KYC status of the investor (KYC verified, KYC pending, or non-KYC) on the folio, which is relevant for transaction eligibility – new investments in many AMCs require the investor’s KYC to be verified.
CAMS investor portal features
The mycams.com portal offers additional features beyond basic statement download:
- Transaction facility: Investors can purchase, redeem, or switch within CAMS-serviced AMC schemes directly on the portal.
- SIP/STP/SWP management: Register new mandates, modify instalment amounts, or cancel existing mandates.
- Nominee and contact update: Update nominee details, e-mail address, and mobile number for all CAMS-serviced folios simultaneously.
- NFO applications: Apply for New Fund Offers from CAMS-serviced AMCs.
- ELSS tax-saving summary: A filtered view showing only ELSS (Equity Linked Savings Scheme) investments and their lock-in status, useful for Section 80C tax planning.
CAMS statement for deceased investor estates
In the event of the death of a mutual fund investor, the nominee or legal heir must contact the AMC (routed through CAMS) to initiate the transmission of units. CAMS provides a “transmission request” facility. The process requires submission of the death certificate, KYC of the nominee/heir, a notarised indemnity bond (for large amounts), and any succession certificate required under the Indian Succession Act. CAMS maintains a “frozen folio” status on the account during the transmission process, after which the units are transferred to the nominee’s folio.
The CAMS account statement is an important document in this process, as it establishes the quantum of units held and the current valuation at the time of transmission.
See also
- Consolidated Account Statement (CAS)
- KFintech mutual fund account statement
- CAMS/KFin capital gains statement
- ITR-ready capital gains statement
- Annual Information Statement
- MFU account statement
- Mutual fund
References
- SEBI (Mutual Funds) Regulations, 1996, Regulation 36 – Account statement obligations.
- SEBI circular SEBI/HO/IMD/DF2/CIR/P/2021/024, 4 March 2021.
- SEBI circular CIR/IMD/DF/16/2011, 8 August 2011 – SIP statement timing.
- SEBI (Registrars to an Issue and Share Transfer Agents) Regulations, 1993 – RTA registration framework.
- CAMS Investor Services FAQs, mycams.com (accessed May 2026).