The Consolidated Account Statement is the fastest way to see all your demat holdings and mutual fund units in one PDF — across every broker, both depositories, and all AMCs. Here is exactly how to get it and what to do when something is missing.
By RK Gupta, Company Secretary · Updated June 2026 · 10 min read
A Consolidated Account Statement — universally referred to as CAS — is a single PDF document that brings together the entire picture of your securities portfolio. It shows all demat holdings (equity shares, bonds, government securities, ETF units) across every demat account linked to your PAN from both depositories — NSDL and CDSL — and all mutual fund units held across every AMC, processed through the registrars CAMS and KFintech MF.
SEBI mandated the CAS in 2012 precisely because investors were struggling to keep track of holdings scattered across multiple brokers and mutual fund folios. Before CAS, you had to request a statement from each broker, each depository participant, and each mutual fund house separately. Today, a single CAS gives you everything in one document.
The CAS is issued automatically every month if there has been any transaction in your accounts during that period. If there are no transactions, a CAS is generated once every six months. You can also request one on demand at any time from NSDL, CDSL, or CAMS — without any fee.
One crucial clarification: the CAS is your financial portfolio view, not a legal ownership document. It shows what is registered in your name in the depository system. It is different from a broker's statement in an important way — a broker only shows you your account at that specific firm, whereas the CAS shows all accounts across all depositories under your PAN.
When you receive a CAS, here is what you will find inside:
What the CAS does not show is equally important to understand: physical share certificates that have never been dematerialised will not appear. These are outside the depository system entirely. If your father bought shares in 1988 and kept the paper certificates in a drawer, those shares will not show up in any CAS — from NSDL, CDSL, or CAMS. Tracing physical holdings requires a separate process.
Many Indian investors have accumulated demat accounts the way they have accumulated bank accounts — opened one with every new broker, forgotten the old ones when switching, and have no consolidated picture of where things stand. A person who started investing in 2001 might have accounts with an old HDFC Securities account, a UTI-era account, a Zerodha account opened in 2015, and a few mutual fund folios with SBI MF and HDFC MF. Without the CAS, there is no single document that shows all of this.
When a family member passes away, this problem becomes acute. Heirs need to find every account the deceased held — because dormant accounts can contain significant value in forgotten shares or unclaimed bonus credits. The CAS is the first document heirs should request, because it surfaces all demat accounts and MF folios associated with the deceased's PAN.
If you are tracing old accounts after inheritance or are simply trying to audit your own portfolio, the CAS is where you start. Once you have the CAS, you know what exists, who holds it (which DP), and what the ISIN and quantity is. From that point, the transmission or the service request becomes straightforward.
This is the single most common point of confusion among investors. If a family holds old physical share certificates from the 1980s or 1990s — paper certificates with the company's printed signature and a share certificate number — these will never appear in a CAS because they are not in any depository system.
Physical shares exist as folio entries in the company's shareholder register, maintained by the company's RTA. To trace physical holdings, you need to:
Our guide on how to find lost shares covers this process in more detail.
NSDL (National Securities Depository Limited) provides CAS through its IDeAS (Internet-based Demat Account Statement) portal.
You can also send an email to relations@nsdl.co.in from your registered email address, mentioning your PAN and requesting a CAS for the desired period. NSDL will process the request and email the PDF. This is useful if you are having trouble with the IDeAS portal login.
Note: NSDL's CAS from IDeAS shows all NSDL-linked demat accounts under your PAN plus your mutual fund holdings. It does not show CDSL accounts. For a combined view, use the CAMS method described below.
CDSL (Central Depository Services Limited) offers CAS through its myEasi and Easiest portals.
easiest.cdsl.com is CDSL's platform primarily for electronic instruction submission and transaction authorisation. It also provides account statements. If you are already registered on Easiest, you can access statements from there.
Send an email to investor@cdslindia.com from your registered email address, providing your PAN and the period for which you need the CAS. CDSL will send the PDF to your registered email.
Additionally, CDSL automatically emails a CAS every month to investors who have had any transaction — buy, sell, or credit of corporate action — during that calendar month. If your email address on record with your DP is current, this monthly CAS arrives without any request needed.
For most investors, neither the NSDL CAS nor the CDSL CAS gives the complete picture. The NSDL CAS only covers NSDL demat accounts. The CDSL CAS only covers CDSL accounts. If you have accounts with both depositories — which many investors do, because some brokers use NSDL and others CDSL — you need both separately.
This is where CAMS (Computer Age Management Services) comes in. CAMS issues a "Combined CAS" that aggregates holdings from both NSDL and CDSL demat accounts, plus all mutual fund folios across all AMCs, into a single PDF. This is the most comprehensive portfolio view available and is what most investors mean when they say "I want to download my CAS."
KFintech's MFCentral portal (mfcentral.com) also provides a combined CAS that includes MF holdings managed by KFintech. If your mutual fund folios are spread across both CAMS-serviced and KFintech-serviced AMCs, the CAMS Combined CAS will cover both.
| Feature | NSDL IDeAS | CDSL myEasi | CAMS Combined CAS |
|---|---|---|---|
| NSDL demat accounts | Yes | No | Yes |
| CDSL demat accounts | No | Yes | Yes |
| Mutual fund holdings | Yes | Yes | Yes (all AMCs) |
| Registration required | Yes — IDeAS login | Yes — myEasi login | PAN + email OTP only |
| Best for | Investors with NSDL accounts only | Investors with CDSL accounts only | All investors — most comprehensive |
For most investors, particularly those tracing old accounts or assisting with estate matters, the CAMS Combined CAS is the right starting point. No registration needed beyond a PAN and email OTP, and it covers both depositories in one document.
Once you have the PDF, here is how to read the key sections:
Each demat account is identified by its BO ID — a 16-digit number that is your unique identifier with the depository. For NSDL accounts, the BO ID starts with "IN30" or "1201" depending on the format. For CDSL accounts, the format differs. The BO ID is followed by the DP name (your broker or bank).
Under each BO ID, you will see a list of securities. Each line shows the ISIN (International Securities Identification Number) — a 12-character code that uniquely identifies a specific security. For example, Reliance Industries' ISIN is INE002A01018. The ISIN lets you identify exactly which company's shares you hold, particularly useful if a company has merged, been renamed, or if you see an unfamiliar ISIN. You can look up any ISIN on the NSE or BSE website by entering it in the search.
The statement also shows quantity (number of shares held), face value, and the closing market value as of the statement date.
MF holdings are listed by folio number and AMC. Each entry shows the scheme name (e.g., "HDFC Mid-Cap Opportunities Fund — Growth"), the folio number, units held, the NAV as of the statement date, and the current value.
A CAS requested for a long historical period — say 5 to 10 years — is particularly useful for surfacing holdings you may have forgotten about. Look for:
If after reviewing your CAS you find shares you expected to see are missing, they are likely either in physical form (not dematerialised), or they have been transferred to IEPF due to 7 years of unclaimed dividends. The CAS only reflects what is in the depository system.
This is a genuinely tricky area. NSDL, CDSL, and CAMS restrict access to account information to the registered account holder for security reasons. You cannot simply enter a deceased person's PAN on the CAMS portal and receive their CAS — the OTP goes to the registered email or mobile, which family members may not have access to.
The practical path for heirs is:
The CAS is a starting point to map what exists. The actual transmission of demat holdings is done through the DP, not through the CAS portal. See our detailed guide on share transmission to legal heirs for the full document checklist.
A few issues come up repeatedly when investors request and read their CAS:
Your broker's statement and the CAS serve different purposes. The broker statement gives you granular transaction details, tax P&L, average cost, and is the document you share with your Chartered Accountant for income tax filing. The CAS gives you the overall holdings picture across all accounts.
For a recently opened single-broker investor, the two may be nearly identical. But for anyone who has held investments for more than a few years — or who has inherited a family member's accounts — the CAS is the only complete picture. Old accounts opened with UTI-era mutual funds, PSU bank demat accounts from the 1990s, and accounts opened through defunct brokers all show up in a CAS in ways they never would in a single broker's statement.
Common questions about CAS statements from NSDL, CDSL, and CAMS
A Consolidated Account Statement (CAS) is a single document that shows all your securities holdings — equity shares, bonds, and government securities across all demat accounts linked to your PAN (from both NSDL and CDSL), plus all mutual fund units across all AMCs. SEBI mandated it in 2012 to help investors see their entire portfolio in one place. It is essential when tracing a deceased investor's holdings, auditing old accounts, or checking whether bonus shares or rights issues have been credited to forgotten demat accounts.
Your broker's demat statement shows only the holdings in your account at that specific broker. If you have accounts with three different brokers, each broker's statement shows only that account. The CAS pulls together all demat accounts linked to your PAN from both depositories — NSDL and CDSL — into a single document. This makes it the only reliable way to see your complete securities picture, especially for dormant or old accounts opened with brokers you no longer actively use.
No. The CAS only shows securities held in demat form — shares that have been dematerialised and are in a depository account. Physical share certificates that have never been converted to demat form will not appear. To trace physical holdings, check the original certificates and contact the company's RTA with the folio number or PAN. If dividends were unclaimed for more than 7 years, the shares may have been transferred to IEPF — check iepf.gov.in to confirm.
Go to camsonline.com, find the Statements section, and select CAS (Consolidated Account Statement). Enter your PAN and the email address registered with your demat accounts or MF folios. Verify with an OTP sent to that email. Select the period and submit. CAMS will email a password-protected PDF within a few minutes. The password is typically your PAN in uppercase followed by your date of birth in DDMMYYYY format. This CAMS CAS covers both NSDL and CDSL demat accounts as well as mutual fund units across all AMCs.
NSDL, CDSL, and CAMS will issue a CAS only to the registered account holder — legal heirs cannot access it through the online portals directly, as OTPs go to the registered email or mobile. The practical approach is to contact the deceased's DP (the broker or bank holding the demat account) with the death certificate and proof of relationship. The DP can provide account details and initiate transmission. For mutual fund folios, contact the AMC or visit a CAMS service centre with the same documents. NSDL and CDSL also have formal procedures for legal heirs to obtain statements through their grievance channels.
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