Your entire mutual fund portfolio — across every AMC and folio — sits inside one document: your Consolidated Account Statement (CAS). Learning to read it turns a page of numbers into a clear picture of how diversified, how exposed, and how well-performing your investments really are.
What is a CAS?
A Consolidated Account Statement is a single statement, issued by the registrars CAMS and KFintech, that lists all your mutual fund holdings across fund houses in one place. Instead of logging into a dozen apps, you get one document showing every scheme, its units, its current value, and what you invested.
How to get your CAS — and which type to ask for
You can request a CAS by email from CAMS (or KFintech), or download a consolidated one from their websites. There are two flavours, and the difference matters:
- Summary CAS — shows your current holdings: units, NAV, value and cost. Enough to see allocation and absolute gains.
- Detailed CAS — also lists every dated transaction (each SIP instalment, purchase and redemption). This is the one you need to compute a true XIRR, because XIRR depends on knowing when each rupee was invested.
What to actually look at
Once you have the statement, four things tell you almost everything:
1. Asset allocation
What share of your money is in equity, debt, hybrid and other categories? This is the biggest driver of both your returns and your risk. Many investors discover they are far more (or far less) equity-heavy than they assumed.
2. Fund overlap
Holding six funds feels diversified — but if four of them are large-cap funds owning the same top stocks, you are far more concentrated than you think. Genuine diversification is about different exposures, not simply more funds.
3. Returns — absolute and XIRR
Your gain in rupees is a start, but the XIRR tells you the honest annualised rate, accounting for your SIP timing. That's the number to compare against benchmarks and alternatives.
4. Concentration and quality
Is a large chunk of your portfolio in a single fund or a single sector or thematic bet? Concentration can amplify both gains and losses — worth knowing before a market swing, not after.
Get all four, instantly — upload your CAS
Our free Portfolio X-Ray reads your CAMS/KFintech/NSDL/CDSL statement in your browser and shows your allocation, holdings, gains and XIRR — nothing leaves your device.
Is it safe to upload my statement?
A fair question. Our Portfolio X-Ray parses the PDF entirely inside your own browser — the file and its password are never uploaded to a server. You can also verify any figure it extracts and edit it before generating the report. Still, always download your CAS only from official CAMS/KFintech sources, and be cautious with any tool that asks you to email your statement.