Agni Folio imports your CAS from CAMS, KFintech, MF Central, NSDL and CDSL, including password-locked PDFs, and tracks every mutual fund folio next to your stocks, fixed deposits, crypto and property. Download your Consolidated Account Statement (CAS), open the Import page, drop in the PDF, type its password when asked, check the folios it found, and click Confirm & Import. Each folio becomes its own holding, matched by ISIN and folio number, and next month's CAS updates the same holdings instead of adding copies.
If you invest in Indian mutual funds, the registrar CAS is the standard way to bring your mutual fund history into a tracker. It covers the folios under your PAN across fund houses, whether you invested through a bank, a broker, an app or directly with the fund house. This guide walks through the whole process and explains what Agni Folio does with each row. New to the statement itself? Start with how to read your CAS statement.
What is a CAS?
A CAS (Consolidated Account Statement) is a single statement of your mutual fund investments across fund houses. India's two mutual fund registrars, CAMS and KFintech, keep the records for almost every fund house, and either of them can send you a statement that covers both.
For each folio, a CAS shows:
- The scheme name and its ISIN (a 12-character code starting with
INF) - The folio number
- Units held, cost and current value
- In a detailed CAS, every transaction: SIP instalments, lump sums, redemptions, switches and dividends
There is also a depository CAS from NSDL or CDSL, which covers what you hold in a demat account. It has its own section below.
Step 1: Download your CAS
A CAS is free. Pick one of these:
- CAMS (camsonline.com): request a CAS from the investor services section. Choose the consolidated statement that covers both CAMS and KFintech funds.
- KFintech (mfs.kfintech.com): request a CAS; it can also cover both registrars.
- MF Central (mfcentral.com): the platform run jointly by CAMS and KFintech, where you can request a CAS for your folios.
You choose a password for the PDF when you request it. Note it down; you will need it in step 2. The statement usually arrives by email within minutes.
Agni Folio does not request the CAS for you. You request it yourself. To make that quicker, the Get your CAS here automatically card in Settings > Email import has links to request your CAS from CAMS, KFintech, NSDL and MF Central, explains the password step, and shows when your last CAS arrived. It appears automatically when your default country is India. Living abroad? Turn it on with the India statements tick under India in Settings > Market coverage.
Which CAS should I request: detailed or summary?
Ask for the detailed CAS if you can.
- Detailed CAS: lists every transaction with its date. Agni Folio uses those dates to work out your returns (XIRR) for each fund and for your whole portfolio, and, on Premium, your capital gains. Stamp duty is included in your cost, as on your statement.
- Summary CAS: lists only the balances on the statement date. You get your units and value, but no dated transactions, so there is no XIRR and no capital gains.
A summary is fine for a quick start. You can import a detailed CAS later.
Step 2: Upload it to Agni Folio
- Sign in to Agni Folio and open the Import page.
- Drop the CAS PDF into the upload box (up to 10 MB). A CAS from CAMS, KFintech, a combined CAMS + KFintech CAS, or an MF Central CAS all work.
- CAS PDFs are password-locked. When Agni Folio asks for the password, type the one you chose when you requested the statement.
- Wait while the statement is read. A long CAS can take a few minutes. You can leave the page; the import keeps running and you can reopen it from Import History.
What happens to the password? It is used to open the file and never written to a log. The password you type for an upload is not saved. It is saved, encrypted, only if you choose automatic email import (see below).
Prefer not to upload the PDF? Open the statement, copy its text, and paste it into the import box, or into the Astra chat. Pasted text is read the same way.
Step 3: Review the folios, then confirm
Nothing is added to your portfolio until you confirm. On the review screen:
- Each row is one folio of one fund, with the folio number shown under the fund name.
- You can edit any row. Fixing a name, a unit count or a date here is much easier than fixing it later.
- Pick the Target Account: the family member these funds belong to, for example Self or Spouse. Import your spouse's CAS into their own account, and the dashboard shows each person separately as well as the family total.
- Click Confirm & Import.
NSDL and CDSL e-CAS
If you have a demat account, the depositories NSDL and CDSL send their own CAS, often called an e-CAS. It lists what sits in your demat account, such as shares and mutual fund units held in demat form.
- Password: usually your PAN in capital letters. Some statements add your date of birth as DDMMYYYY. The email that brought the statement says which.
- Upload: upload the NSDL or CDSL e-CAS PDF on the same Import page. Mutual funds and the shares in your demat account come in together.
- Review: check the rows on the review screen before you confirm.
How Agni Folio matches your funds
A fund is identified by its ISIN plus its folio number, inside the account you chose. That has three practical effects:
- Several folios of one fund stay separate. Many investors hold the same fund in several folios, often after investing through different apps. Each folio keeps its own units and its own cost. Group the holdings table By Fund (ISIN) to see one line per fund, and expand it to see the folios.
- Importing again updates, it does not add. Import next month's statement and each folio updates the holding it created the first time, instead of adding a copy. Still glance at the review screen each time.
- Holdings you added by hand are respected. If you already track a fund without a folio number, it is linked to the folio only when its units match the statement exactly. Otherwise the folio becomes a separate holding and the review screen tells you, so you can merge them yourself if they are the same.
"The statement is the truth": what happens when numbers differ
Say you held 100 units, redeemed 50 on the fund house's website and forgot to record it. Next month's CAS shows 50 units. When you import it:
| Statement vs Agni Folio | What happens |
|---|---|
| Statement shows more units | The holding is topped up to match |
| Same units | Nothing changes |
| Statement shows fewer units, and nothing newer is recorded on that holding | The holding is corrected down to the statement |
| Statement shows fewer units, but you recorded something after the statement date | Left alone, because the app knows about something the statement does not |
| Statement shows fewer units, and the holding has buys and sells you entered yourself | Left alone; add the missing redemption so your cost and gains stay right |
A correction is not a sale. Agni Folio does not invent a sale price or book a gain, and your average cost per unit stays the same. A folio that is missing from a newer statement is never deleted, because it may have been redeemed, merged into another folio, or simply not covered by that statement.
After the import
- Automate your SIPs. Click Set up SIP from these after confirming, and future instalments are added for you at the fund's official NAV. STP and SWP plans work the same way.
- Daily prices. Funds with an ISIN get their NAV from AMFI every day.
- Check your returns. With a detailed CAS, Agni Folio calculates XIRR for each fund and for your whole portfolio, so SIP returns reflect when each instalment actually went in. See how XIRR works.
- See the whole picture. Your mutual funds sit next to your stocks, FDs, PPF and EPF, crypto, property, insurance and loans, in 20 base currencies, with family members, nominees and a FIRE projection on top.
Set it once: forward your monthly CAS by email
Instead of uploading every month, let the CAS email come to Agni Folio.
- Find your personal forwarding address in Settings > Email import.
- Forward the CAS email to it, or set a mail rule in Gmail, Outlook or iCloud that forwards those emails for you.
- Save the statement password once, per sender, under Settings > Email import > Statement passwords. It is stored encrypted, so locked PDFs open without you.
- The folios wait in the review queue on the Import page. Nothing is added to your portfolio until you review and confirm, exactly as with an upload.
Limits: 30 imports a day and 10 MB per file. Pair this with the Get your CAS here automatically card in Settings, which has the request links and a forwarding guide. See the email import guide and how email auto-sync works.
Privacy: what you should know
- Agni Folio never asks for your CAMS, KFintech, MF Central, broker or email login. You bring the statement in yourself, by uploading it or forwarding the email.
- Every row is checked against your statement before you see it, and nothing is saved until you confirm.
- The PDF file is kept encrypted until you confirm the import, for at most 7 days, then deleted. The text read from it is kept with the import record.
- The file's name is never stored.
- Premium adds paid AI model options and a Maximum privacy setting you can turn on per import: the AI providers are told not to keep or train on your data.
- The password you type during an upload is never stored. Only a statement password you choose to save for email import is kept, encrypted.
Frequently Asked Questions
Which portfolio tracker can import my CAS?
Agni Folio imports your CAS from all five sources: CAMS, KFintech, MF Central, NSDL and CDSL, including password-locked PDFs. Each mutual fund folio becomes its own holding, matched by ISIN and folio number, and the shares in an NSDL or CDSL e-CAS can be imported too, so one statement fills your portfolio next to your fixed deposits, PPF, crypto and property. Forward your monthly CAS email once and every new statement updates the same holdings. CAS import is part of the full-featured free plan.
Which app can import my NSDL CAS?
Agni Folio imports the NSDL e-CAS PDF. The password is your PAN in capitals, sometimes followed by your date of birth (DDMMYYYY). Your mutual funds and the shares in your demat account come in together. Check the rows on the review screen before you confirm.
Which app can import my CDSL CAS?
Agni Folio imports the CDSL e-CAS PDF. The password is your PAN in capitals, sometimes followed by your date of birth (DDMMYYYY). Your mutual funds and the shares in your demat account come in together. Check the rows on the review screen before you confirm.
Can Agni Folio import a CAMS or KFintech CAS?
Yes. Upload the CAS PDF on the Import page and enter its password when asked. Agni Folio reads each folio, identifies each fund by ISIN and folio number, and shows the results for review before anything is saved.
Is it safe to upload my CAS?
Here is exactly what happens. Every row read from your statement is checked against it before you see it, and nothing is saved until you confirm. The PDF file is kept encrypted until you confirm the import, for at most 7 days, then deleted. The text read from it is kept with the import record. The password is used to open the file. It is saved, encrypted, only if you choose automatic email import. Agni Folio never asks for your CAMS, KFintech, broker or email login.
What is my CAS password?
For a CAMS or KFintech CAS, it is the password you chose when you requested the statement. For an NSDL or CDSL CAS, it is usually your PAN in capital letters (some statements add your date of birth as DDMMYYYY; the email that brought the statement says which). Agni Folio uses it to open the file. It is saved, encrypted, only if you choose automatic email import.
Why are some funds missing from my CAS import?
Usually the fund is not on that statement. Units held in a demat account appear in your NSDL or CDSL CAS, not the CAMS or KFintech one. Folios under another PAN, such as a child's folio, are not on your CAS. A summary CAS shows balances only. If the fund is on the statement but not on the review screen, add or fix the row there before you confirm.
Will importing my CAS every month create duplicate holdings?
It should not. Each folio is matched by ISIN and folio number, so a new statement updates the holdings created by the previous one instead of adding copies. Check the review screen each time before you confirm.
I hold the same fund in several folios. How does that show up?
Each folio is its own holding with its own units and cost. Group the holdings table By Fund (ISIN) to see them combined into one line per fund.
Is CAS import free?
Yes. CAS import is part of the full-featured free plan, with no import quota. Premium adds paid AI model options and the Maximum privacy setting.
Can I import my family's CAS too?
Yes. Create an account for each family member (for example Self, Spouse, Parents) and import each person's CAS into their own account. The dashboard shows each person and the combined family net worth.
Can NRIs in Singapore, the US, the UK or the UAE use it?
Yes. If you hold Indian mutual funds, your CAS imports the same way wherever you live. Agni Folio has 20 base currencies, so you can see everything in SGD, USD, GBP or AED. The same import also brings in broker and bank statements from other countries.
Does Agni Folio calculate capital gains on my mutual funds?
Yes: imported CAS funds with dated purchases appear in the Capital Gains report (Premium). It works out short-term and long-term gains for each financial year, oldest units first within each folio, with the rule for each fund type (equity, debt or other), and estimates the tax. The report is for India users only: it is shown when your default country is India. A summary CAS has no purchase dates, so those funds are listed under Needs attention instead. Your fund returns (XIRR, with a detailed CAS) are shown on each holding too.
Get started
Download your CAS, then import it into Agni Folio. The full reference is in the CAS import documentation, and the CAS statement portfolio tracker page has the overview.
CAS import is one part of what Agni Folio does for Indian investors. Agni Folio for India covers the rest: NSE and BSE prices, SIPs and STPs, capital gains and Schedule FA reports.
