EN
A demat account works like a digital wallet for your shares and other investments. If you want to buy stocks, bonds, or mutual funds, you must first open a demat account in your name. It safely stores all your securities in electronic form.
Just like a bank statement shows your money details, a demat account gives you a demat account holding statement or statement of demat holdings. This statement shows what you own, what you bought or sold, and when the transactions happened. It helps you track your investments and confirm that the shares you paid for have been credited to your account.
Key Takeaways
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A demat account works like a digital wallet for holding shares and investments safely.
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Your holdings and transactions are shown in a Consolidated Account Statement (CAS).
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You can view your CAS online using the CDSL website and OTP login.
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Checking your statement helps track trades, dividends, and portfolio details.
Demat Account Statement
In India, all shares bought by investors are stored electronically with two main depositories: National Securities Depository Limited (NSDL) and Central Depository Services Limited (CDSL).
These depositories do not deal with investors directly. Instead, they work through Depository Participants (DPs), who are registered with SEBI and act as intermediaries. To buy or sell shares, you must have both a trading account and a demat account with a DP. Your investments and transactions can be viewed through a demat account holding statement, which shows what you own and helps you track your portfolio easily.
Consolidated Account Statement
This document is the most crucial piece of the process when one is trying to read their demat account statement. A Consolidated Account statement or CAS is a single document that contains all transactional as well as investment details pertaining to mutual fund investments and depository accounts
Essentially, it is a compilation of all investments and transactions made through these modes. Accessing the CAS will help individuals better read their demat account statement and can be employed whilst trying to figure out how to check demat account balance and statements.
Additionally, it also provides detailed documentation of any holdings the investor might have and allows for a summarised view of all investments. Since it is accessed by taking into account the NSDL and CDSL, it also allows investors to view statements across demat accounts regardless of the broker.
How to Access Demat Account Statement
The CDSL website now allows all investors an online medium to check their CAS, the procedure for which is as follows :
1. Log onto the CDSL website at cdslindia.com
2. Under the ‘Quick Links’ tab on the homepage, select ‘Login’ and log in to - CAS.
3. Proceed to enter your PAN number
4. Proceed to enter your Demat Account Number
5. Enter other requested data, such as date of birth and complete the captcha requirements.
6. Submit
7. You will receive an OTP on your registered mobile number, which you can use to authenticate the login
If all the details entered are correct, you should now be able to view your CAS and check the demat account statement.
Things to Look for While Reading the Demat Account Statement
Once an Individual has gained access to their CAS and can view their demat account statement, there are a number of things to look for in order to correctly interpret the statement.
Personal Details: The first and foremost step one should carry out even before looking at any data, is to verify that they have access to the correct account and that all their credentials are in place.
Folio Number: This is another piece of information unique to each investor, and functions as an identity stamp for all future investments made by said investor.
Fund options and names: This shows users the title of their funds along with mentions of dividend payments and growth of the fund.
Dividend payouts: This shows investors a history of the dividend payments they have received from their investments.
The Net Asset Value: Also known as the NAV, this varies daily. Thus, the NAV shown in the statement is from the time of investment.
Transaction Summary: This functions as a giant compilation of all records of any transactions the investor has made in the share market. Along with this, the SIP and SWPs are also mentioned.
Importance of a Demat Account Holding Statement
The demat account holding statement plays an important role in helping investors manage their investments with ease and clarity. It gives a clear view of all the shares and securities you own, along with their details.
First, it helps you stay updated about your holdings and track how your investments are performing over time. You can also see the impact of corporate actions like bonuses, splits, or dividends.
Second, it helps you spot any mistakes or unauthorised activity. By checking your demat account holding statement, you can make sure that the shares you bought have been credited correctly.
Third, it supports tax planning by showing purchase dates, costs, and current values. Lastly, it helps you review your portfolio, spot weak areas, and make better investment choices.
Demat Holding Statement vs Transaction Statement
Here is a simple and clear table comparing a Demat Account and a Statement of Account (SOA):
|
Parameter |
Demat Account |
Statement of Account (SOA) |
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Format |
Fully digital |
Paper or digital copy |
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Issued by |
NSDL or CDSL through a broker |
Mutual fund company (AMC) |
|
Charges |
May include opening and yearly fees |
Usually free |
|
Assets held |
Shares, bonds, ETFs, mutual funds |
Only mutual funds |
|
Access |
Online, anytime |
By email, post, or AMC website |
|
Transactions |
Quick and online |
Mostly manual |
|
Redemption |
In units |
In rupees |
|
Security |
High digital security |
Risk of loss if physical |
|
Best for |
Active investors |
Long-term, passive investors |
Conclusion
Demat accounts allow investors a place to store their investments and keep track of them. Since all investors hold individual identities that can possess multiple demat accounts, the NSDL and CDSL allow individuals to access a master database of sorts of all their demat accounts and all demat account statements.
The ‘how’ of how to check demat account balance and statement is rather simple and can be done simply through the CDSL website. In order to correctly interpret the data and stay on top of one’s investments, however, investors need to pay keen attention to aspects of their CASs such as the transaction history and the names of their funds and options and ensure that all is in order.
