Consolidated Portfolio Health & Commission X-Ray
Institutional portfolio overlap, commission friction analysis, and Union Budget FY 2026-27 rebalancing engine.
Consolidated Account Statement (CAS) Portfolio X-Ray
Drag and drop your CAMS or KFintech monthly CAS PDF. Instantly detect identical stock overlap, calculate hidden distributor commission drag, and audit tax-loss harvesting potential.
InvestResearch India is an independent quantitative analytics and educational platform. We are not a SEBI-registered Investment Adviser (IA) or Research Analyst (RA). This diagnostic tool performs algorithmic calculations based on historical NAVs and public scheme portfolios for informational and educational evaluation. It does not constitute investment advice or a recommendation to buy or sell securities. Mutual fund investments are subject to market risks, read all scheme-related documents carefully.
Frequently Asked Questions
How do I download my Consolidated Account Statement (CAS) PDF?
You can generate your official CAS PDF statement free of cost from either CAMS Online (camsonline.com) or KFintech (kfintech.com) by selecting 'Detailed CAS' with your registered email and PAN. You will receive an encrypted PDF statement in your inbox within 5 minutes.
What is my CAS PDF statement password?
Per AMFI guidelines, the default password for CAMS and KFintech CAS PDF statements is your 10-character Permanent Account Number (PAN) in lowercase letters (e.g. abcde1234f).
Is my personal data and PAN secure on InvestResearch India?
Yes, absolutely. In compliance with the Digital Personal Data Protection (DPDP) Act 2023, statement parsing executes in ephemeral memory. Your PAN number, bank account details, and folio numbers are never persisted or shared with third-party distributors.
How does the Hidden Distributor Commission calculation work?
We compare the expense ratio of each Regular scheme in your statement against its corresponding Direct plan (typically 0.75% to 1.25% cheaper per year). The difference represents distributor trail commission that is deducted from your daily NAV. We compound this fee over a 15-year horizon at an 12% expected equity return rate to compute your total lost wealth.