The Consolidated Account Statement (CAS)
A Consolidated Account Statement gathers all your mutual fund holdings — across every fund house — into one document, so you can see everything you own in one place.
The Consolidated Account Statement, or CAS, is a single statement that lists all your mutual fund holdings across every fund house, pulled together into one document. Because a folio is your account with just one fund house, someone who has invested with several ends up with scattered records; the CAS is what gathers them into one view.
How it is produced
The CAS is compiled by the registrars and transfer agents (RTAs) — the firms that keep the official record of who owns which units and process transactions on behalf of the fund houses. Two RTAs, CAMS and KFintech, handle the records for the industry between them, and they cooperate to produce a single statement that spans the schemes each administers. Naming them is just describing the plumbing every investor already meets on a statement; it is not a recommendation of one over the other.
What the CAS shows
A CAS lists, for each folio you hold, the schemes in it, the units you own, the transactions over the period, and the value of the holdings at the statement date. It ties each holding to its folio number and to the PAN and email it is linked to, which is what lets it span fund houses: the common thread is your PAN. It is a statement of record, not a marketing document, which is what makes it the honest place to see your whole position.
How often it arrives, and how to get it
A CAS is issued periodically to the email address registered against your folios, and a fuller version is issued at longer intervals; you can also request one from an RTA’s website whenever you want. Because it is delivered to your registered email and linked to your PAN, keeping those details current — part of your KYC — is what ensures the statement actually reaches you and captures everything.
Why it is worth reading
The CAS is the simplest way to see whether your holdings are tidy. Reading it often surfaces folios you had forgotten, a scheme sitting in a stray second folio with the same fund house, or an old email or bank detail that needs updating. Seeing everything in one place is also what makes it possible to judge your overall mix rather than one holding at a time — the first step before any tidying up. With everything in one view, the multi-goal SIP calculator puts several goals side by side, each with the monthly amount it would take at a rate you assume. If you would like a hand reading yours, that is the sort of thing we can help with.
This is education, not advice
This article explains categories and mechanics. It does not name a scheme, does not rank anything and does not tell you what to buy. H2 Investment is an AMFI-registered mutual fund distributor (ARN-200996), not a SEBI-registered investment adviser. For a personal financial plan, talk to a SEBI-registered investment adviser. Tax treatment depends on your own circumstances and the rules change — confirm your position with a qualified tax adviser.