What is a CAS statement? (CAMS, KFintech, NSDL and CDSL)
A Consolidated Account Statement lists every mutual fund you hold across fund houses, under one PAN. Here is what is in it, which kind to get, and how to read it.
Two kinds of CAS
| From CAMS / KFintech / MF Central | From NSDL / CDSL (eCAS) | |
|---|---|---|
| Covers | Mutual fund folios held directly with fund houses (including those bought through apps) | Everything in your demat account — shares, ETFs, bonds and mutual funds held in demat — plus folios linked to your PAN |
| How you get it | Request it online any time, emailed as a PDF | Usually emailed every month you have transactions |
| Best for | Every SIP instalment, detailed history | A full picture including stocks |
What is inside a detailed CAS
- Your PAN, name and the email it was sent to.
- Each folio: fund house, scheme, folio number, ISIN.
- Every transaction: purchases, SIP instalments, switches, redemptions — with date, amount, NAV and units.
- Closing units and value as of the statement date.
Detailed or summary?
Choose detailed. A summary shows only balances, so you lose the dates of each instalment — which you need for a correct XIRR. Step-by-step: download your CAS.
Using your CAS
Import the PDF into Spendly to see every fund priced daily with its real XIRR, alongside your other investments — which file to use for each app.
Track your real investments: import your CAS statement once and Spendly shows every fund’s value and XIRR, kept up to date.
Track my investments →Questions
Is a CAS statement free?
Yes. CAMS, KFintech, MF Central, NSDL and CDSL send it free to the email registered with your account.
Does the CAS include funds bought on Groww or Zerodha Coin?
Yes — the CAS lists folios under your PAN whichever app you used.
What is the CAS password?
For a CAMS/KFintech CAS, the password you set when requesting it. NSDL/CDSL eCAS usually uses your PAN and date of birth. The download guide has the details.