Single unified financial statement consolidating all mutual fund folios, SIP transactions, dividends, and demat holdings across all Indian AMCs mapped to a single PAN
MFCentral (mfcentral.com), built jointly by CAMS and KFintech under SEBI guidance, provides a single login to download your complete CAS, switch funds, and update bank or nominee details across all mutual fund houses in India.
đĄ The Consolidated Account Statement (CAS) is a single, unified financial document that consolidates all mutual fund investments held under your PAN across all fund houses in India (such as SBI, HDFC, ICICI Prudential, Nippon, UTI, and Axis). Generated jointly by RTAs (CAMS, KFintech) and depositories, it eliminates the need to track separate folios or log in to dozens of different AMC websites.
Key distinctions between the different statement issuers.
| Feature | CAMS CAS | KFintech CAS | Depository (NSDL/CDSL) CAS |
|---|---|---|---|
| Fund Houses Covered | CAMS-serviced AMCs (SBI, HDFC, ICICI, Kotak, DSP, etc.) + option for joint KFintech | KFintech-serviced AMCs (Nippon, UTI, Axis, Mirae, Motilal, Quant) + joint option | All mutual funds, equity shares, SGBs, and REITs held in demat mode |
| Mode of Holding | Non-demat / SOA (Statement of Account) folios | Non-demat / SOA folios | Demat mode only |
| Password Format | Custom user-chosen password entered during online request | Custom user-chosen password | PAN (UPPERCASE) followed by Date of Birth in DDMMYYYY |
| Capital Gains Breakdown | Available separately under 'Capital Gain/Loss Statement' | Available separately under 'Tax Statement' | Shows portfolio valuation only; tax statements must be downloaded from broker |
Instant generation and delivery to your registered email address within 5 to 10 minutes.
100% Free of cost for electronic CAS (e-CAS).
Any individual, joint holder, NRI, HUF, or corporate entity holding investments in Indian mutual funds across any Asset Management Company (AMC).
Mutual fund investors tracking overall portfolio valuation across various fund houses; taxpayers computing capital gains for ITR filing; applicants submitting net worth and liquid asset proofs for foreign visas; and loan applicants seeking loans against mutual funds (LAMF).
Navigate to camsonline.com (under 'Statements' â 'CAS - CAMS+KFintech') or go directly to mfcentral.com.
Choose 'Detailed' statement (to see individual purchase dates, NAVs, SIP transactions, and stamp duty) or 'Summary' statement (for current balance valuation only).
Input your 10-character PAN, your email address registered across your folios, and set a custom 4 to 8 character password to encrypt the PDF.
Select the date range (e.g., 'From 01/04/2025 to 31/03/2026' or 'Specific Period') and click 'Submit'.
Within 5 to 10 minutes, CAMS/KFintech will email the encrypted PDF to your inbox. Open the attachment using the password you set during the request.
If certain mutual fund investments are missing from your CAS:
Investments made years ago without a PAN or with a misspelled email ID are excluded from the automated CAS consolidation.
Visit mfcentral.com or submit a physical Service Request Form at your nearest CAMS/KFintech investor service centre with a self-attested PAN card copy.
Once the RTA links your PAN to the older folio, request a fresh CAS. All historical units and current market values will consolidate into your master statement.
SEBI provides three distinct variants of Consolidated Account Statements depending on holding structure:
Covers all mutual fund folios held in Statement of Account (SOA) physical format (non-demat mode). Generated free on camsonline.com or kfintech.com.
Dispatched monthly to your email if you hold shares or mutual fund units inside a Demat account (e.g., Zerodha Coin, Groww Demat). It consolidates equities, sovereign gold bonds, and mutual funds.
Provides instant on-screen dashboard view and PDF download of all SOA mutual fund holdings with real-time portfolio valuation.
Solutions to frequent portal issues on CAMS and KFintech.
| Issue Encountered | Probable Root Cause | Action to Take |
|---|---|---|
| Error: 'Email ID does not match our records' | Email address recorded in specific fund folios | Use the email address registered with your primary mutual fund, or log in to MFCentral using Aadhaar/PAN OTP to update your common email. |
| CAS email not received in inbox after 30 minutes | Spam/Junk folder or corporate email firewall | Check spam folders for emails from 'donotreply@camsonline.com'. If using an official corporate email, use a personal Gmail/Outlook address. |
| Unable to open downloaded PDF (Password error) | CAMS request password vs NSDL/CDSL default password | If downloaded via CAMS web, enter the exact password you typed during the form request. If received via NSDL monthly mail, enter your PAN (UPPERCASE) followed by DDMMYYYY. |
| Mutual fund units purchased through broker not showing | Check if broker stores units in Demat format (e.g., Zerodha Coin) | If held in demat mode, download the Depository CAS directly from the NSDL (nsdl.co.in) or CDSL (cdslindia.com) investor portal. |
If you requested the statement online from CAMS or KFintech, the password is the custom password you manually created during the online request. If the statement was automatically emailed by NSDL or CDSL, the password is your PAN in UPPERCASE followed by your Date of Birth in DDMMYYYY format (e.g., ABCDE1234F01011990).
Visit MFCentral (mfcentral.com), register with your PAN and mobile number, and authenticate with OTP. The platform will automatically scan both CAMS and KFintech databases and display every mutual fund folio linked to your PAN in one single interface.
Yes. Foreign visa consulates (US, Canada, UK, Schengen) accept mutual fund CAS statements as valid proof of liquid assets, provided the statement is recent (within 30 days) and clearly displays the current market valuation and the investor's full name.
Yes. On the CAMS portal, instead of selecting 'CAS', navigate to Statements â Capital Gain/Loss Statement. Select the Financial Year to get an automated schedule of Short-Term Capital Gains (STCG) and Long-Term Capital Gains (LTCG) with grandfathering benefits ready for your ITR.
If you are the registered guardian of a minor's folio, the minor's investments are tracked under the minor's PAN or your guardian PAN. You can generate a separate CAS for the minor's folios using the registered email.
Directs depositories and RTAs to generate a consolidated account statement for investors holding mutual funds and demat securities.
Checked on November 4, 2026
View Reference Document âStandard operating procedures governing mutual fund folios, KYC compliance, and statement generation through CAMS and KFintech.
Checked on November 4, 2026
View Reference Document âOfficial digitally signed and stamped profile certificate issued by NSDL or CDSL Depository Participants detailing 16-digit Demat Account number, BO ID, linked bank details, and nominee registration
Free Instant e-PAN with Aadhaar, new PAN in Form 93, reprint for âš50, and what PAN 2.0 changes
How to file your ITR on the e-Filing portal: choosing ITR-1, ITR-2, ITR-3 or ITR-4, AY 2026-27 due dates (including the extension for audit cases), belated, revised and updated returns, the 30-day e-verification rule, and downloading the ITR-V acknowledgement.
Bank passbook print, mPassbook download, update rules, and verification guide
Official certified valuation of movable and immovable assets issued by a practicing Chartered Accountant with a mandatory 18-digit UDIN for foreign student visas, immigration, and commercial guarantees
How to pay advance tax, self-assessment tax or a tax demand online through e-Pay Tax on the Income Tax e-Filing portal (the replacement for the old ITNS 280 challan), download the challan receipt with CIN, and correct a wrong assessment year or payment type.
Official three-digit credit health score (300â900) and comprehensive credit history report issued under the Credit Information Companies (Regulation) Act, 2005
Mandated under SEBI Circular CIR/MRD/DP/31/2014. Generated by SEBI-registered Registrar and Transfer Agents (RTAs) â CAMS and KFintech â and central depositories (NSDL & CDSL).
Download CAS on CAMS Online Portal â