How-to CAS CAMS mutual fund statement

How to generate a Consolidated Account Statement (CAS) from CAMS

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The Consolidated Account Statement (CAS) on demand from CAMS is the most common way for an Indian mutual fund investor to obtain a current snapshot of their holdings across all CAMS-RTA AMCs for tax filing, financial planning, or portfolio verification. While the standard monthly CAS dispatch covers most needs, on-demand CAS generation gives flexibility to request:

  • A specific financial year for tax reconciliation.
  • A custom date range (e.g., inception of a specific folio to a specific date).
  • A detailed transaction-level statement vs the standard summary.
  • An immediate refresh after a recent transaction.

The CAS framework is operationalised by SEBI through the consolidated account statement framework and is jointly published by CAMS (covering approximately 25 AMCs) and KFin Technologies (covering the remainder). For investors with mutual fund holdings spread across both RTAs, generating both the CAMS CAS and the KFin CAS is necessary; this article focuses on the CAMS workflow with notes on the KFin parallel flow.

For investors holding mutual fund units in dematerialised form (e.g., through Zerodha Coin ), the depository CAS from CDSL or NSDL provides additional coverage that is not in the CAMS or KFin RTA statements. See the Consolidated Account Statement article for the broader framework explanation.

When to generate an on-demand CAS

Tax filing reconciliation

The most common use case is tax-filing time. The investor:

  1. Generates the CAMS CAS for the financial year (e.g., April 2024 to March 2025).
  2. Generates the KFin CAS for the same period.
  3. Reconciles the CAS data with the AIS provided by the income tax department.
  4. Adjusts ITR-2 or ITR-3 Schedule 111A and Schedule 112A entries based on the reconciled data.

The on-demand CAS is preferred over the monthly dispatch for tax filing because it provides a clean financial-year-aligned report.

Portfolio verification

After a substantial new investment, switch, or redemption, an immediate on-demand CAS confirms that the transaction has been correctly processed. This is particularly useful after multi-leg activity like systematic transfer plans (STPs) where multiple AMCs may be involved.

Lender or auditor request

A bank evaluating a mutual fund pledge or an auditor reviewing a corporate or HUF folio may request a current CAS. On-demand generation provides a fresh report at the request date.

Estate and inheritance planning

For will documentation or estate planning, a current CAS provides a comprehensive inventory of mutual fund holdings.

CAMS CAS request flow

Operational walkthrough

The procedure shortcode at the top of this article documents the six-step flow. The expanded notes below cover operational considerations.

Step 1: Visit the CAMS CAS portal

The CAMS CAS request page is accessible at camsonline.com. The page is typically titled “CAS for Tax Filing” or “Mailback Services - CAS”. Alternative entry points:

  • myCAMS portal: log in to your myCAMS account if you have one; the CAS request is in the Statements menu.
  • CAMS Online direct link: camsonline.com/Investors/Statements/Consolidated-Account-Statement.

The direct link does not require a myCAMS login; it works purely off PAN + date of birth.

Step 2: Enter PAN and date of birth

CAMS uses your PAN as the unique key to identify all folios held in your name across CAMS-RTA AMCs. The date of birth serves as an authenticator (to prevent third-party requests). Enter the PAN in upper case and date of birth in the format CAMS displays (typically DD/MM/YYYY).

If PAN is not recognised, common causes:

  • PAN typed incorrectly.
  • The folios are held under a different PAN format (e.g., joint folios with one holder’s PAN as primary).
  • The PAN is not yet linked to the folios (rare; typically all folios have PAN linked).

Step 3: Select the reporting period

CAMS offers several preset period options plus a custom date range:

  • Current financial year: the in-progress FY (e.g., April 2025 - March 2026 if the request is in late 2025).
  • Last financial year: the just-completed FY for tax filing.
  • Last 12 months: rolling 12-month period.
  • Custom range: any start and end date back to the earliest folio inception.
  • Inception to date: the complete history.

For tax filing on FY 2024-25 (assessment year 2025-26), select the period 1 April 2024 to 31 March 2025.

Step 4: Select the statement type

CAMS offers two principal statement variants:

  • Detailed CAS: every transaction line (purchases, redemptions, switches, dividends, dividend reinvestments) with NAV, units, and amount. Best for tax reconciliation and audit purposes.
  • Summary CAS: scheme-level balances only with no transaction detail. Best for quick portfolio verification.

For tax filing, choose Detailed.

Step 5: Receive the email

CAMS sends the CAS to your registered email address within minutes of the request. If the request was submitted through myCAMS, the email goes to the registered email in your myCAMS profile. If submitted through the standalone request page, the email goes to the email registered in any CAMS-RTA folio for your PAN.

The PDF is password-protected. The standard CAMS password convention is:

  • PAN in lowercase + date of birth in DDMMYYYY format.
  • Example: PAN ABCDE1234F with date of birth 1 January 1990 yields the password abcde1234f01011990.

Step 6: Open the PDF and verify

Open the PDF in a PDF reader (Adobe Acrobat, browser-based viewer, or any compatible app) using the password. Verify:

  • All folios listed match your expected folio list.
  • The period covered is the period requested.
  • Holdings figures align with your records.
  • Transactions during the period are correctly captured.

Save the PDF to a secure location alongside your tax-filing documents.

Common operational issues

Email not received

If the email is not received within 30 minutes:

  • Check spam / junk folder: CAMS emails sometimes get classified as commercial mail.
  • Verify the registered email: log into myCAMS or check any AMC’s investor portal for the email registered on your folios.
  • Re-request: submit the request again.
  • Contact CAMS support: camshelpline@camsonline.com or call 1860 425 9999.

Password rejection

If the PDF rejects the password attempt:

  • Verify PAN is in lowercase (CAMS uses lowercase for the password).
  • Verify the date of birth format is DDMMYYYY (no separators).
  • Try alternative date formats if the standard format fails (very rare).
  • Check whether the date of birth in CAMS records matches your actual date (some old folios may have been entered with a different birth date due to data-entry errors).

Folios missing

If specific folios are missing from the CAS:

  • PAN mismatch: the folio may be linked to a slightly different PAN format or a different PAN entirely.
  • Joint folios: where you are the secondary holder, the folio appears in the primary holder’s CAS, not yours.
  • Non-CAMS-RTA AMCs: folios at AMCs that use KFin or other RTAs do not appear in the CAMS CAS. Generate the KFin CAS separately for those.
  • Demat-held units: mutual fund units held in demat form (e.g., through Zerodha Coin) do not appear in the CAMS CAS. Generate the depository CAS instead.

Detailed CAS shows excessive volume

For investors with long SIP histories or frequent transactions, the Detailed CAS can be hundreds of pages. The Summary CAS is the alternative for portfolio review; the Detailed CAS is best reserved for tax-time use when transaction-level detail is needed.

Parallel KFin CAS workflow

KFin CAS request

The KFin Technologies CAS request flow mirrors the CAMS flow at kfintech.com or through the KFinKart portal. The same PAN + date of birth authentication, the same email-based dispatch, the same PDF password convention. The KFin CAS covers folios at KFin-RTA AMCs (Axis Mutual Fund, DSP, Nippon India, Quant, and others).

For a complete consolidated view across both RTAs:

  1. Generate the CAMS CAS.
  2. Generate the KFin CAS.
  3. Combine the two for portfolio-level analysis.

Depository CAS for demat-held units

For investors holding mutual fund units in demat form, the depository CAS provides additional coverage. Generate the depository CAS through:

  • CDSL CAS portal (for CDSL-aligned DPs like Zerodha).
  • NSDL SPEED-e (for NSDL-aligned DPs).

The depository CAS shows the demat-held mutual fund units alongside equity holdings, which the CAMS / KFin RTA CAS does not see.

Tax-filing best practices

Year-end CAS for tax filing

For FY 2024-25 tax filing (assessment year 2025-26):

  1. Generate CAMS CAS for 1 April 2024 to 31 March 2025 (Detailed).
  2. Generate KFin CAS for the same period (Detailed).
  3. Generate depository CAS if you hold demat MF units (Detailed).
  4. Cross-reference with the AIS at the income tax portal.
  5. Identify and resolve any discrepancies.
  6. Use the reconciled data for ITR Schedule 111A (STCG) and Schedule 112A (LTCG) entries.

Reconciliation pitfalls

Common reconciliation issues to watch for:

  • Trade date vs settlement date: CAS reports trade date; AIS may report settlement date. Differences of 1-2 days can shift transactions between FYs at year-end.
  • Switch transactions: a switch is reported as redemption + purchase in CAS; AIS may aggregate.
  • Stamp duty: post-July 2020 stamp duty appears in CAS; verify AIS captures it correctly.
  • Grandfathered cost basis: pre-31-January-2018 holdings have grandfathered cost basis in CAS; AIS should reflect this but occasionally requires manual override.

See also

External references

References

  1. SEBI Master Circular on Mutual Funds, consolidated account statement framework, sebi.gov.in.
  2. CAMS Online portal operational documentation, camsonline.com, accessed May 2026.
  3. KFin Technologies operational documentation on CAS dispatch.
  4. SEBI circular dated 7 October 2015 on the CAS framework.
  5. CDSL and NSDL CAS documentation.
  6. Income Tax Department AIS framework and reconciliation guidance.

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