Are You Reading Your Mutual Fund Statement Correctly?

 

You should have enough knowledge about your portfolio and the asset class you have invested in. Before you make investment decisions you should analyze the risk-reward ratio and historical returns. You should analyze your statements to see the performance of your assets. Mutual funds are very popular amongst investors. In the case of mutual fund investments, you can examine the mutual fund account statement to see how your schemes are performing.

 

What Is Mutual Fund Statement?

 

A mutual fund statement provides you all the information related to your investments made in different mutual fund schemes. It is similar to a bank account statement.

 

Let us understand how to get all mutual fund statements online.

 

How To Check Mutual Fund Statements Online?

 

You can get the statement for specific mutual fund accounts from the fund house, or a Consolidated Account Statement (CAS) can be requested through the registrar or a Depository. The CAS provides a comprehensive view of all of your assets.

 

Yes, you can request an account statement at any time, and it will arrive in your mailbox in a matter of hours. There are several options for requesting a CAS.

 

  • You need to Log in to the CAMS online portal and tap on ‘Investor Services’ on the top menu
  • Click on the ‘Mailback Services’ tab on the left side of the menu and now click on ‘Consolidated Account Statement – CAMS + Karvy + FTAMIL + SBFS’
  • After this, you need to input a valid email address and create a password
  • You can use this password later to access the files sent to you
  • Once you complete the above steps, the account statements will be sent to your registered email address in an hour

 

Understanding The Important Terms In A Mutual Fund Statement

 

  • The Consolidated Account Statement (CAS)

 

This is an electronic blueprint provided by mutual fund houses that describes your funds' performance in certain schemes in different time periods and any changes in the account such as redemptions, investments, and dividends earned.

 

  • Folio number

 

In the statement on top there is a unique identification number for your mutual fund investment. This unique number can be used to track various investments made by you.

 

  • Nomination

 

When the primary holder, has designated a nominee to claim the sum in the event of their death, then this section will be shown as 'Registered'. To secure your mutual fund account, the nominee's name is not disclosed on the statement.

 

  • Advisor

 

This section shows the name of the agency you entrusted with your money. In case of the absence of such agency then it will show as “Direct”.

 

  • Transaction details

 

This part serves as the focal point of your investment report, it gives details that can be used to analyze previous decisions and make informed ones in the future.

 

  • Personal details

 

You can get personal details information like name, address, PAN, email ID, mobile number, and nominee/investor details. If there are any joint holders, you can get information related to that as well.

 

  • Investment details

 

In this section, you get all the details related to your investment. The information about your scheme such as the type of your investment plan, number of units purchased, NAV, the current value of the units, dividend earned, and so on.

 

  • NAV

 

NAV stands for Net Asset Value which depicts how well your scheme is doing. Also, NAV tells the market value of your scheme.

 

  • Bank account and broker details

 

This section you get your bank account and broker details. This is the bank account linked to your Demat account and the one which will receive money on redemption of any scheme. Broker information shows the information related to the broker from whom you purchased the scheme

 

  • Scheme load details

 

This section offers a detailed overview of the wealth allocation and performance of specific schemes. You can use these particulars in future investment strategies.

 

How Is Consolidated Account Statement (CAS) Created/Calculated?

 

Depositories such as NSDL and CDSL send or create CAS for investors based on PANs that are shared by RTAs and depositories. The AMCs calculate CAS depending on the transactions and holdings of an investor's NSDL and CDSL Demat account. All of the shares are stored in the Demat account in the form of dematerialized or electronic form. A Demat account maintains the certificates of your financial instruments such as shares, bonds, government securities, mutual funds, and exchange-traded funds (ETFs), similar to a bank account.

 

How Frequently Should You Check Mutual Fund Statements?

 

If you make a one-time investment, you will receive a statement once a year. If you are investing in SIP, the fund company will send you quarterly reports or reports every time you transact.

 

Digitalization has made investing easier than ever before; you can now obtain mutual fund statements online in as little as a few hours.

 

Open a Demat Account with us and start your Mutual Fund investment journey today!

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