How to Check Demat Account Balance: A Step-by-Step Guide

Any Demat account in India is registered with either of the two central depositories, National Securities Depository Limited (NSDL) or Central Depository Services Limited (CDSL). Investors can access and view their Demat holdings online through the depository's own portal: NSDL's IDeAS (Internet-based Demat Account Statement) for accounts held with NSDL, or CDSL's Easiest portal for accounts held with CDSL.

To keep track of your investments and holdings, you can check your Demat account balance through your broker's app or website. Another easy way is to view your Consolidated Account Statement (CAS), which NSDL or CDSL sends every month to your registered email ID.

This article explains how to check your Demat account balance, where to find your CAS, and why regularly monitoring your holdings is important.

Key Takeaways

• SEBI guidelines mandate that depositories issue a CAS monthly if there are active transactions or half-yearly if there is zero transaction activity.
• You can generate and download your CAS online for free through the official NSDL or CDSL e-Services web portals.
• Accessing your CAS requires authenticating your identity securely using your PAN and a real-time OTP sent to your registered mobile number or email.
• Regularly reviewing your CAS ensures portfolio accuracy, helps track corporate actions, and satisfies regulatory compliance standards.
• You can use the Demat holding statement for a quick, single-account balance check. In case you need a detailed report, access the CAS.

How to Check Demat Account Balance Online?

There are two methods to check your Demat account balance online. You can either use the broker’s website/app or CDSL and NSDL’s web portals.

Method 1: Using Your Broker's Mobile App or Website

1. Open your broker's mobile app or visit its official website.
2. Log in using your User ID and Password.
3. Go to the Portfolio or Demat Holdings section.
4. View your Demat account balance and their current market value.
5. If needed, download or export your holdings statement for future reference.

Method 2: Using CDSL or NSDL Portals

1. Visit the CDSL or NSDL portal.
2. Log in with your registered credentials and mobile number.
3. Enter the OTP or another means of authentication.
4. Navigate to the ‘Holdings,’ ‘Demat Account’, or ‘CAS’ section.
5. Review your consolidated securities holdings and market valuation.
6. Download your Consolidated Account Statement (CAS) or holding report for future records.

Prerequisites to Check Your Demat Account Balance Online

• PAN: Your Permanent Account Number is required for identity verification and aggregating your holdings across accounts.
• Registered mobile number & email ID: Needed to receive One-Time Passwords (OTPs) during two-factor authentication.
• Demat account details (DP ID / BO ID): Your 16-digit Demat account ID and depository name (NSDL or CDSL) to navigate the correct portal and log in successfully.

How to Download Your Consolidated Account Statement (CAS) Online?

You can download your Consolidated Account Statement (CAS) online through the CAMS, MFCentral, NSDL, or CDSL portals, depending on the investments you hold.

Method 1: Download Mutual Fund CAS Through CAMS

1. Visit the camsonline.com CAMS Consolidated Account Statement portal.
2. Click on ‘Integrated view of MF transactions across CAMS serviced funds.’
3. Fill details such as email ID, PAN card, fund option, statement period.
4. Create a password to secure the PDF.
5. Submit the request.

The CAS will be sent to your registered email address.

Method 2: Download Mutual Fund CAS Through MFCentral

1. Visit MFCentral’s website mfcentral.com.
2. Click on log in and enter your PAN.
3. Submit the OTP received on your mobile number.
4. Open the ‘Account Statement’ or ‘Consolidated’ tab.
5. Select the date range or financial year.
6. Click ‘Download’ to save the PDF or Excel file to your device.

Method 3: Download Demat CAS Through NSDL

1. Visit the NSDL e-CAS portal: nsdlcas.nsdl.com.
2. Enter your PAN and other required details.
3. Verify your identity using OTP or CAS ID.
4. Select the statement period you need to review.
5. Submit the request.

The CAS file is typically provided in a password-protected PDF format.

Also Read About: NSDL - National Securities Depository Limited

Method 4: Download Demat CAS Through CDSL

1. Visit CDSL CAS website cdslindia.com.
2. Log in and enter your PAN and 16-digit BO ID.
3. Enter your Date of Birth in DD/MM/YYYY format.
4. Fill in the captcha code and click submit.
5. Type the OTP received on your registered mobile number and email.
6. Select the statement period or month you want and download the file.

The downloaded CAS file is provided in a password-protected PDF format on your email.

Also Read About: 6 Things To Know About A CDSL Demat Account

Things to Look for in CAS

A CAS provides details of your securities and transactions. You can look for information such as the security name, quantity held, pledged shares, and any corporate actions, among other things.

• International Securities Identification Number (ISIN): A unique 12-digit code assigned to every stock, bond, and mutual fund scheme.
• Security name: The name of the stock, mutual fund, bond, or other holdings.
• Quantity of securities: Shows the total number of units or shares you own.
• Pledged shares: Highlights any holdings locked as collateral for margin trading or loans.
• Corporate actions: Tracks recent credits from dividends, bonus shares, stock splits, or rights issues.

As an investor, staying on top of these details can help you be proactive about your investment decisions. It also helps you check any discrepancies in your account to ensure accuracy and compliance with laws.

Note: You should also ensure that all your Demat account details are up to date to prevent misuse and potential cyber fraud. Follow this quick guide to safeguard your Demat account against fraud.

Also Read About: How to Safeguard Against Demat Account Fraud

Why is Regularly Checking Your CAS Important?

Regularly checking your CAS helps you keep track of your holdings. It enables you to catch any errors in the quantity of securities easily. You can find out about any unauthorized transactions in your Demat account easily if you check your CAS regularly. This prevents your account from being used by scamsters.

Another benefit of regularly checking your CAS is that you have a clear idea of your investment portfolio and what you can do to diversify it more.

What to Check in Your CAS?

Data Field	Description	Regulatory Purpose
ISIN	Unique 12-digit alphanumeric identification number for securities.	Ensures precise identification of specific stock, bond, or fund variants.
Quantity Held	Total electronic units or shares currently recorded in the account.	Reflects exact ownership volumes post-settlement.
Pledged Shares	Securities marked as collateral for loans or trading margin.	Highlights encumbered assets unavailable for open-market trading.
Corporate Actions	Details regarding bonuses, stock splits, dividends, or rights.	Keeps investors updated on structural changes to their share capital.

Also Read About: What is Share? 

Who Issues a CAS?

CAS is a single monthly statement that gives you one consolidated view of all your investments. These include both your mutual fund holdings and your demat (securities) holdings. Everything is linked and matched using your PAN, as that serves the common identifier across mutual fund folios and demat accounts. Who sends you the CAS depends on whether your PAN is "common" across these systems:

When PAN Matches Mutual Fund Folios and Your Demat Accounts

This means that the RTA (like CAMS or KFintech) and the Depository (NSDL or CDSL) both have the same PAN on record. Then the Depository sends you the CAS, and it includes both your mutual fund transactions and your demat transactions in one document.

When PAN Exists Only in Mutual Funds (No Demat Account)

Then the Mutual Fund (via its RTA) sends you the CAS instead, but it will only contain mutual fund transactions.

Demat Holding Statement vs CAS: Which One Do You Need?

Before downloading a CAS or a Demat holding statement, it's worth confirming you are after the right document as a lot of user frustration comes from generating one file and expecting the data of the other.

Feature	Demat Holding Statement	Consolidated Account Statement
Scope	Covers a single broker or Depository Participant (DP) account.	Covers all Demat accounts and mutual fund folios across all brokers linked to your PAN.
Generation Time	Available instantly on demand via your broker.	Available instantly on demand via NSDL/CDSL portals or sent automatically as per SEBI's monthly/half-yearly schedule.
Best For	Quick check of real-time holdings and balances with one specific broker.	Evaluating overall portfolio net worth, visa/loan asset proof, tax filing, and auditing.
Where to Get It	Directly from your broker's app/website (or via CDSL eASI / NSDL IDEAS).	NSDL or CDSL official e-Services CAS portals.
Inclusion of Mutual Funds	Displays only Demat-based mutual funds held with that specific broker.	Aggregates all mutual funds (both Demat and SOA mode via CAMS & KFintech) alongside stock holdings.

Why Your Demat Account Balance and Portfolio Value May Differ

Your Demat account balance tracks the exact quantity of securities you hold in your digital vault, whereas your portfolio value represents the total market worth of those holdings at any given moment.

Factors Affecting Portfolio Value

• Market price changes: While the number of shares you own remains fixed, their market price changes continuously during trading hours, driving portfolio value up or down.
• Corporate actions: Corporate actions like bonus shares, stock splits, and buybacks change the number of shares or their price, but not your total investment value at that moment.
• Pledged securities: Shares pledged as collateral may appear in your Demat account balance but cannot be traded or transferred until unpledged.
• Settlement delays: Shares bought today appear in your broker’s trading terminal immediately, but they are credited to your official NSDL/CDSL Demat account on the next trading day (T+1).

Also Read About: What Is Stock Split

Conclusion

Your Demat account balance provides a quick view into the securities that you hold, not their cash value. Checking it regularly can help you stay updated on your investments and track any possible errors. You should also check your CAS at regular intervals, as it provides a consolidated view of all your accounts and asset classes in a single statement. Together, these tools are designed to give you an accurate view of your investments to be able to make informed decisions.