cas-formatscdslnsdlcamskfintech

Understanding CDSL, NSDL, CAMS, and KFintech CAS Formats

A technical guide to the different CAS (Consolidated Account Statement) formats in India - CDSL, NSDL, CAMS, and KFintech - and what data each contains.

CASParser Team ·

What Is a CAS?

A CAS (Consolidated Account Statement) is a single document that consolidates all your investment holdings. In India, CAS statements are issued by depositories (CDSL, NSDL) and mutual fund registrars (CAMS, KFintech).

The Four CAS Types

CDSL CAS

Source: Central Depository Services Limited Contains: All securities held in your CDSL demat account

  • Equities (stocks)
  • Mutual funds (demat mode)
  • Corporate bonds
  • Government securities (G-Secs)
  • Alternative Investment Funds (AIFs)
  • Life insurance policies (demat units)
  • NPS (National Pension System)

Password: Typically your encrypted PAN Frequency: Monthly or on-demand via CDSL website

NSDL CAS

Source: National Securities Depository Limited Contains: Same asset classes as CDSL, but for NSDL demat accounts

The key difference: investors may have accounts with either or both depositories. A complete portfolio view requires both CDSL and NSDL CAS statements.

CAMS CAS

Source: Computer Age Management Services (mutual fund registrar) Contains: Non-demat mutual fund holdings for fund houses serviced by CAMS

  • Complete transaction history (purchases, redemptions, SIPs, switches)
  • Can go back 50+ years
  • Transaction data enables capital gains and XIRR calculations
  • Covers ~60% of mutual fund industry by AUM

KFintech CAS

Source: KFin Technologies (mutual fund registrar) Contains: Non-demat mutual fund holdings for fund houses serviced by KFintech

  • Same data as CAMS but for different fund houses
  • Covers ~40% of mutual fund industry by AUM
  • Also supports 50+ years of history

Why You Need Multiple CAS Types

A complete investor portfolio typically requires:

  1. CDSL CAS - For demat holdings (equities, bonds, AIFs)
  2. NSDL CAS - If the investor also has an NSDL demat account
  3. CAMS CAS - For non-demat mutual fund holdings (CAMS fund houses)
  4. KFintech CAS - For non-demat mutual fund holdings (KFintech fund houses)

How CASParser Handles This

CASParser’s smart parse endpoint (/v4/smart/parse) auto-detects the CAS type and returns a unified JSON response regardless of source. You don’t need to know which type of CAS the user uploaded - the API handles it automatically.

All four CAS types return the same response structure:

  • meta - CAS type, statement date
  • investor - Name, PAN, email
  • summary - Total value, account counts
  • demat_accounts - Holdings by asset class
  • mutual_funds - Folio-level details with transactions
  • insurance - Policy details
  • nps - Pension account details

CAS Password Formats

Each CAS type uses a different password format:

  • CDSL: Encrypted PAN (varies by statement date)
  • NSDL: Encrypted PAN
  • CAMS: PAN number (plain)
  • KFintech: PAN number (plain)

CASParser handles all password formats automatically - just pass the password and we figure out the rest.

Getting Started

Use the smart parse endpoint to parse any CAS type with a single API call. Or try the Portfolio Connect SDK which handles file upload and password entry in a user-friendly widget.

Back to Blog