The simplest way to track every SIP in one place is a CAS, one statement that covers all your mutual funds. One CAS, requested from CAMS or KFintech, lists every mutual fund folio held under a PAN across fund houses, with units and values as of a date. For a two-income family, two statements (one per PAN) cover every SIP the household runs, whether that is 3 folios or 30.
Why is it hard to track SIPs?
A SIP looks simple when you start it. ₹5,000 a month goes into one fund on the 10th. Then you start another on the 5th for a different goal. A few years later a new app makes it easy to start a third. Your partner runs two of their own. Somewhere in the middle a fund house merges two schemes and your folio gets a new scheme name.
After five or six years most households cannot answer simple questions without an afternoon of logging in:
- How many SIPs do we run, and on which dates do they debit?
- Which folios are still active, and which are old lump sums we forgot?
- What is the total value across both of us today?
- Is any SIP still debiting from a bank we meant to stop using?
Each fund house, each app and each distributor shows its own slice. None of them shows the whole family.
What is a CAS statement?
A CAS is a statement issued by a registrar and transfer agent, the companies that keep the records for mutual fund houses. In India the two main ones are CAMS and KFintech. Every fund house uses one of them to service its folios.
When you request a CAS against your PAN, the statement pulls together the folios held under that PAN across fund houses serviced by both registrars. You do not need to know which registrar services which fund. One request gives one PDF with everything.
Summary CAS and detailed CAS
There are two kinds, and they answer different questions.
| Summary CAS | Detailed CAS | |
|---|---|---|
| What it shows | Holdings and value for each folio as of a date | Holdings plus every purchase, SIP and redemption in the period |
| Lists each SIP payment | No | Yes |
| Good for | A monthly net worth snapshot | Checking SIP dates, finding stopped SIPs, computing XIRR |
| Typical size | A few pages | Can run to many pages for a long period |
If you only want to know what you hold and what it is worth, the summary is enough. If you want to see whether each SIP actually went through each month, or compute XIRR, you need the detailed version, because XIRR needs the date and amount of every SIP payment. We explain that calculation in XIRR on a mutual fund.
How do you request a CAS?
The exact menus on the CAMS and KFintech websites change from time to time, so we describe the steps in general terms. The flow looks like this on both sites:
- Open the investor services section of the CAMS or KFintech website and find the option for a CAS.
- Choose the statement type: summary or detailed. For a detailed statement, choose the period.
- Enter the email address registered with your folios and your PAN.
- Set a password for the PDF, or note the password format the site states.
- Submit. The statement arrives at that email address, usually within a short time.
The PDF is password-protected. The password is the one you set during the request, or whatever format the issuer's site tells you at the time. Keep that note handy, because you will need it each time you open the file.
Why the registered email matters
The CAS goes to the email address registered on your folios. If one old folio still carries an email you no longer use, that folio may not reach you as expected. When you first pull a CAS, compare it with the SIPs you remember. A missing folio is often a sign that its contact details need an update with the fund house.
A worked example: two PANs, six folios
Asha and Ravi Rao, a couple in Pune, each request a summary CAS on the same day. All values below are illustrative, not real data.
| PAN holder | Folio | SIP date | Value |
|---|---|---|---|
| Asha | Fund house A, equity fund | 5th | ₹4,12,000 |
| Asha | Fund house B, index fund | 10th | ₹2,68,500 |
| Asha | Fund house C, debt fund | none (lump sum) | ₹1,90,250 |
| Ravi | Fund house A, hybrid fund | 7th | ₹3,55,000 |
| Ravi | Fund house D, equity fund | stopped | ₹87,400 |
| Ravi | Fund house E, index fund | 15th | ₹1,46,850 |
Asha's three folios add up to ₹8,70,750. Ravi's three add up to ₹5,89,250. The family total is ₹14,60,000.
Two things show up that neither partner had in mind. Ravi's SIP in fund house D stopped at some point, and only a detailed CAS would show the month the SIP payments ended. Asha's debt fund holding is a lump sum with no SIP at all, so it never appears in a list of monthly debits. Both still count in the family's mutual fund total.
How often should you pull a CAS?
Once a month is a sensible rhythm for a summary CAS if you track net worth monthly. Pull it a few days after your SIP dates, so the latest SIP payments already show. A detailed CAS is useful less often: once a quarter, or whenever you want to check that every SIP ran, or before you compute XIRR for the year.
For the wider picture of what the family owns and owes, including PPF, NPS and loans that a mutual fund CAS does not cover, see family net worth across two people.
What a CAS does not cover
A mutual fund CAS covers mutual fund folios. It does not include PPF, NPS, bank fixed deposits, EMIs or insurance premiums. Those still need to be tracked separately, along with the dates they fall due. Many of them cluster at the start of the month alongside SIPs, which is why a household money calendar is a useful companion to the CAS.
How Kosh helps
You can import a CAMS or KFintech CAS statement into Kosh and bring in every folio for a Member at once. Kosh reads the statement and does not keep the file, and it never asks for a bank login. Each SIP then sits on the shared plan with its schedule, and every Member with notifications on gets a notification on the due date, so a stopped SIP stands out instead of fading from memory. Kosh tracks and warns; you decide. Kosh is in private testing on iPhone and free during testing.
See how it works at ourkosh.com.