How to get your mutual fund statement (CAS) and find your folio number

A consolidated account statement (CAS) is one statement that lists your mutual fund holdings and transactions across every fund house, matched by your PAN. PAN is your Permanent Account Number, the tax ID that links your investments together. The CAS reaches you after any month in which you bought, sold or had a SIP instalment, and every six months otherwise. You can also ask for one on any day.

What is a consolidated account statement (CAS)?

A CAS is a single statement for all your mutual funds, whichever fund houses they sit with.

SEBI's rules tell fund houses to identify a common investor across mutual funds by PAN. The statement details all your transactions in the month and your holding at the month end, across all schemes. It also gives the total purchase value, your cost, in each scheme. Cost simply means the amount you have put in.

Which events count as a transaction? SEBI's list:

• a purchase or a redemption (selling units back to the fund house)
• a switch from one scheme to another
• an IDCW payout or IDCW reinvestment (IDCW is the money some funds pay out from their income or gains)
• an instalment of a systematic investment plan (SIP)
• a systematic withdrawal plan or a systematic transfer plan

One fund house's scheme document adds two points. The CAS goes only to unit holders whose folio has a PAN on record. A folio is the account number under which a fund house records your units. And where a folio has joint holders, the first-named holder receives it. These are that fund house's words, so check the document of the fund you hold.

When do you get a CAS, and who sends it?

You get a monthly CAS after a month in which any transaction took place in your folio. If you made no transaction in the six months ending September or March, you get a half-yearly CAS instead.

SEBI's service standards set these dates:

Your PAN decides the sender. Where it is also linked to a demat account, the depository sends a single statement. A depository, NSDL or CDSL, is where demat holdings are kept. That statement lists your shares and every mutual fund you hold, demat or not. With no demat account, the CAS comes from the fund houses' registrars instead. Registrars, such as CAMS and KFintech, are the firms that keep fund houses' investor records.

From 14 May 2025, a depository's monthly statement is due 12 days after the month end by email, or 15 days by post. With demat accounts at both depositories, the one opened earlier is the default, though you can choose. The demat account article explains where units can be held.

Your allotment confirmation is a separate message. After you invest, SEBI's rules say the fund house must confirm the allotment by email or SMS within 5 working days of receiving your request.

How do you get your CAS by PAN, any time?

You request it online; there is no payment step on the form. CAMS's form, called "CAS - CAMS+KFintech", covers funds serviced by CAMS and KFintech together.

On that form you choose between two types:

• Summary: only balances and valuation, as on a date you pick.
• Detailed: includes the list of transactions, for the current financial year, the previous financial year or a specific period.

You can include folios with zero balance or leave them out. Email is mandatory and PAN is optional. CAMS says the statement is encrypted with the password you set on the form and emailed only to the address registered in your folio.

MF Central is a platform for all mutual funds. SEBI requires it to give investors their holdings, in demat and in statement form, along with transaction reports and a capital gains report. The depositories also provide statements to their account holders.

If you want only one fund house's statement, ask that fund house. SEBI's scheme document format says it must provide the account statement within 5 business days of a request.

The Koshex app shows a customer's holdings and their account statement.

What is a folio number, and where do you find it?

A folio is the account number under which a fund house records your units.

One folio can hold several schemes of the same fund house. A different fund house gives you a different folio. So your folio number is not the same across all your funds. Someone with funds at four fund houses has at least four folio numbers.

One fund house's scheme document describes it this way. Every unit holder is given a folio number, shown on the statement for the first investment. Later investments in the same name go under the same folio if you give the folio number when you invest. The number is there for better record keeping, by you and by the fund house.

You can find the number in three places:

• your allotment confirmation
• your account statement
• your CAS, in the "Folio No." column beside each scheme

The CAS lists holdings scheme by scheme, with the folio number on every row. If you hold two folios with one fund house, they appear as two separate rows. The CAS does not merge them. What to do in a mutual fund merger covers merging folios.

How do you read your CAS?

For each scheme your CAS shows the folio number, the fund's name with plan and option, and the units you hold. It also gives the NAV and market value on the statement date, and how much you have put in. NAV is the price of one unit. Market value is what your holding is worth on that date.

Next to each scheme name is its ISIN, a code that identifies each fund option. SEBI's rules require the ISIN to appear with the scheme name on every statement.

A few more lines are worth knowing:

• Transactions. The monthly CAS also lists that month's purchases, SIP instalments, redemptions, switches and IDCW payouts.
• Nominee. It shows whether a nominee is registered, either as names or as Yes or No. The nomination article explains how it works.
• IDCW. A payout is split into income distribution and capital distribution. The growth vs IDCW article explains the difference.
• Expense ratio. The half-yearly statement shows each scheme's average expense ratio, the fund's yearly fee as a share of your money.

What it does not show is your annualised return. Your app or a calculator works that out.

Here is a made-up example. Leela holds four folios across three fund houses: two with one fund house and one each with the other two. Her half-yearly CAS for the six months to 30 September 2026 lists all four, folio by folio.

Say it shows a total amount invested of ₹1,80,000 and a market value of ₹2,10,000. The ₹30,000 difference is a gain on paper. This rise is not taxed until she sells the units or otherwise transfers them. The CAS does not tell her the return per year.

CAS or capital gains statement: which do you need for tax?

For tax you need the capital gains statement, not the CAS. A CAS tells you what you hold and what you paid. A capital gains statement lists each redemption with its cost, sale value and gain.

A capital gain is the profit you make when you sell units. It is split into short term or long term, depending on how long you held the units. The CAS does not work out that split or the gain on each sale.

The registrars and MF Central produce capital gains statements. CAMS's report covers only the funds CAMS services, for current and past financial years. A full picture of your funds therefore needs KFintech's report too. MF Central's report covers all mutual funds.

Koshex's capital gains statement page: "Free for every mutual fund investor - you don't need a Koshex account. All it takes is your PAN and the email address registered with your investments."

You can open it at capital gains statement. The statement it builds lists every mutual fund redemption you made in a financial year, across fund houses. It shows the gain or loss on each one, split into short term and long term.

To see how gains are taxed, read how SIP returns are taxed. For a PAN or KYC update, see mutual fund KYC. Selling is covered in how to sell mutual funds online.