Get Your Consolidated Interest Statement: Pan-Wise Guide

A Consolidated Account Statement (CAS) is a document that gives an investor all the details of their mutual fund transactions in a single place. It shows the mutual fund investments under a PAN. It is an important document for investors as it carries information regarding sales, purchases, and other transactions. To get a consolidated account statement, one must go to a specific website, enter their email address and Permanent Account Number (PAN), and select a password. An email will be sent, and a statement can be retrieved from it.

Go to camsonline.com, enter your email ID and PAN, and create a password to generate a password-protected PDF file

To get a consolidated interest statement for your PAN, you can follow these steps:

Go to camsonline.com and navigate to the Investor Services section. Here, look for the CAS- CAMS, Karvy, FT, SBFS option and click on it. You will then be prompted to enter your email ID and Permanent Account Number (PAN). After entering these details, you will be asked to create a password of your choice. This password is solely for the purpose of accessing your consolidated account statement and can be different from the password you use for your mutual fund account.

Once you have provided the required information, you will receive an email from camsonline.com. They will send you a password-protected PDF file containing your consolidated account statement. When you attempt to open the statement, you will need to enter the password you created earlier. This service is provided free of charge.

The consolidated account statement (CAS) is an essential document for investors as it provides a comprehensive overview of their mutual fund transactions. It includes details such as sale, purchase, and other transactions related to your mutual fund investments. The CAS also contains information about the fund's performance, allowing investors to make informed decisions.

Additionally, the CAS simplifies the paperwork by compiling all the financial data into one report. It also includes details about AMC and mutual fund transactions, such as switching or merging funds, dividend or bonus payments, and bank account information. The statement specifies the investment method and provides a share unit portfolio balance. Overall, the CAS is a valuable tool for investors to track and understand their mutual fund investments.

Submit a self-attested copy of your PAN card to the AMC, along with a letter containing the folio number and holder details

To get a consolidated interest statement for your PAN, you must submit a self-attested copy of your PAN card to the AMC, along with a letter containing the folio number and holder details. This is a straightforward process, but there are a few important things to keep in mind to ensure that your request is processed smoothly.

Firstly, let's break down the requirements. A self-attested copy of your PAN card means that you need to make a copy of your PAN card and sign it yourself to confirm that it is a true copy. The folio number refers to the unique number associated with your investment, and the holder details typically include the name(s) of the holder(s) and their contact information.

When submitting the documents, ensure that your letter includes all the necessary information in a clear and concise format. You should also confirm that your self-attested PAN card copy is legible and includes all relevant details. It is also a good idea to retain a copy of the submitted documents for your records.

In addition to submitting the PAN card copy and letter, you will need to complete your KYC (Know Your Customer) formalities. This typically involves submitting a KYC form, along with documents that prove your identity and address. You can complete this process at any point of service of a KYC Registration Agency (KRA).

It is worth noting that some platforms, such as CAMS and Karvy Fintech, offer online facilities for investors or their distributors to update PAN details. In such cases, you may need to provide additional information, such as the name of the fund house, folio number, date of birth, or bank details. After submitting the information, you will be required to upload the self-attested copy of your PAN card to complete the process.

By following these steps and providing the necessary documentation, you should be able to successfully submit your request for a consolidated interest statement for your PAN.

Complete your KYC formalities at a KYC Registration Agency (KRA) and submit the KYC form along with proof of identity and address

Completing your KYC (Know Your Customer) formalities is a crucial step in the process of obtaining a consolidated interest statement for your PAN. Here's a detailed guide on how to complete your KYC formalities at a KYC Registration Agency (KRA) and submit the necessary documents:

Understanding KYC and its Importance:

KYC, or Know Your Customer, is a mandatory verification process in India, regulated by the Reserve Bank of India (RBI). It is designed to prevent money laundering, financial crimes, and fraudulent activities. By collecting and verifying customer information, financial institutions can ensure compliance with regulatory requirements and protect their customers' interests.

Identifying a KYC Registration Agency (KRA):

A KYC Registration Agency (KRA) is an agency registered with the Securities and Exchange Board of India (SEBI) under the KYC Regulations Act of 2011. These agencies maintain centralised records of investors' KYC information on behalf of capital market intermediaries, such as asset management companies and stockbrokers. Examples of KRA portals include CAMSKRA, CVLKRA, and Karvy KRA.

Filling Out the KYC Form:

To initiate the KYC process, you will need to fill out the KYC form accurately. This form can be downloaded from the website of the chosen KRA. Make sure to provide all the required details, including your personal information, Aadhaar or PAN details, and any other relevant information.

Submitting Documents:

Along with the completed KYC form, you will need to submit a set of self-attested documents as proof of your identity and address. These documents typically include a valid passport, driver's license, Aadhaar card, voter ID card, utility bills, bank statements, and other similar documents. Make sure that the information on your documents matches the details provided in the KYC form.

In-Person Verification (IPV):

In some cases, you may be required to undergo an in-person verification process. This involves physically visiting the KRA office or a designated location and submitting the necessary documents. Keep a xerox copy of your documents before submitting them. Additionally, at some mutual fund houses or kiosks, you may also be required to provide biometric scans, including fingerprints and handprints.

Tracking Your Application:

Once you have submitted your application, you will be assigned an official application number. This number will allow you to track the status of your KYC verification online. The verification process can take up to a week for offline submissions and less than 24 hours for online submissions.

Updating Your Details:

If you need to update your KYC information in the future, you can do so by filling out the KYC update form available on any of the KRA websites. This is particularly important if there are any changes to your personal information or address.

By following these steps, you can complete your KYC formalities and submit the necessary documents to obtain a consolidated interest statement for your PAN. Remember to keep your documents organised and ensure that the information provided is accurate to facilitate a smooth and efficient verification process.

Visit the website of an R&T agent or fund house, enter your email and PAN, select a password, and retrieve the statement from the email you receive

To retrieve your Consolidated Account Statement (CAS), you can visit the website of a Registrar and Transfer (R&T) agent or fund house. This can be done through several R&T agent companies, such as SAG RTA, 3i Infotech Ltd., CAMS (Computer Age Management Services), and Karvy. These companies offer R&T services to financial institutions, mutual fund companies, and investors.

Once you have selected an R&T agent or fund house, you will need to enter your email address and Permanent Account Number (PAN). You will then be asked to create a password of your choice. This will be used to protect your CAS, which will be sent to your email address as a password-protected PDF file. You will need to enter this password to open the statement.

The CAS will provide you with a detailed overview of your mutual fund transactions, including all relevant financial data in one place. It will show the mutual fund investments under your PAN, and you can request a hard or soft copy of the CAS once a month free of charge.

Log in to the websites of registrar and transfer agents such as CAMS or KFintech to download the CAS

To download the Consolidated Account Statement (CAS) from the websites of registrar and transfer agents such as CAMS or KFintech, follow these steps:

First, go to the official website of the registrar and transfer agent, which in this case is either CAMS (camsonline.com) or KFintech (mfs.kfintech.com). Once you're on the website, look for the "Investor Services" or "Investor Support" section, which should be easy to find on the homepage or in the main menu. Click on that.

Next, look for the specific option related to the CAS. For example, on the CAMS website, you would click on "CAS- CAMS, Karvy, FT, SBFS." This will take you to a page where you can enter your personal information to request the statement.

Enter your email address, Permanent Account Number (PAN), and create a password of your choice. This password is for the CAS and need not be the same as any other account passwords you may have. After submitting this information, you will receive an email from the registrar and transfer agent with a password-protected PDF file containing your CAS.

It's important to note that this process is free of cost, and the CAS will provide you with an orderly, single-source document containing all the details of your mutual fund transactions under a single PAN.

Frequently asked questions