Published Jun 6, 2026 4 Min Read

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Introduction

A mutual fund account statement helps you monitor your mutual fund investments in one place. It shows your holdings, transactions, unit balance, NAV, and portfolio value, making it easier to review investment performance and track changes over time.

  • It records purchases, redemptions, SIP instalments, and dividend-related transactions.
  • NAV (Net Asset Value) is updated daily after market close and determines the value of your units.
  • A Consolidated Account Statement (CAS) combines investments across multiple AMCs into one report.
  • SEBI requires mutual fund schemes to display a riskometer ranging from Low to Very High risk.
  • You can invest through SIPs starting from Rs. 100 per month.
  • The Bajaj Broking website offers access to 4,000+ mutual fund schemes across multiple categories.

Start your mutual fund investment journey on the Bajaj Broking website by completing KYC, exploring 4,000+ schemes, and starting an SIP from Rs. 100 per month.

What is a Statement of Account?

A Statement of Account (SOA) is a document issued by a mutual fund company that records your investments in a specific mutual fund scheme. It helps you see what you own and what transactions have taken place.

Your mutual fund account statement typically includes:

InformationDetails
Investor detailsName, PAN, folio number
Scheme detailsFund name and plan type
TransactionsPurchases, SIPs, redemptions
Units heldTotal units allotted
NAVApplicable Net Asset Value
Portfolio valueCurrent value of holdings

The statement acts as an official record of your mutual fund investments.

How do you read a mutual fund account statement?

You can understand a mutual fund account statement in a few simple steps. Most statements follow a similar format across fund houses.

Step 1: Check investor details

Verify your name, PAN, folio number, and contact information.

Step 2: Review scheme information

Look at the mutual fund scheme name, option selected, and investment mode.

Step 3: Examine transaction history

Review purchases, SIP instalments, switches, dividends, and redemptions recorded in the statement.

Step 4: Check units allotted

Confirm the number of units credited after each investment transaction.

Step 5: Review NAV details

Check the applicable NAV used for allotment. NAV is calculated daily after market close.

Step 6: Calculate portfolio value

Multiply the current NAV by the units held to understand the current investment value.

Step 7: Assess performance

Compare your investment value with the amount invested to evaluate growth over time.

Why are mutual fund statements important?

A mutual fund statement helps you keep track of your investments and maintain accurate records. It provides transparency regarding every transaction in your account.

Key benefits include:

  • Tracking investment performance
  • Monitoring SIP contributions
  • Verifying unit allotments
  • Maintaining tax records
  • Identifying transaction errors
  • Supporting financial planning

These statements also help you understand how your portfolio changes over time.

How are mutual fund statements and consolidated account statements different?

Both documents provide investment information, but they serve different purposes.

FeatureMutual Fund StatementConsolidated Account Statement (CAS)
CoverageOne AMC or folioMultiple AMCs
Holdings viewLimited to specific investmentsCombined investment view
PurposeScheme-level trackingPortfolio-level tracking
FrequencyAMC-specificGenerally issued periodically
ConvenienceIndividual recordsSingle consolidated record

A CAS gives you a broader view of your mutual fund portfolio across different fund houses.

How to interpret your mutual fund statement

Reading a statement correctly helps you make informed decisions about your investments.

Focus on NAV and units

The value of your investment depends on the number of units held and the current NAV. NAV is calculated by dividing the fund's net assets by the total units outstanding.

Review transaction patterns

Check whether SIP instalments have been processed regularly and whether all transactions appear correctly.

Understand portfolio growth

Compare the amount invested with the current portfolio value. Remember that mutual fund returns are market-linked and not guaranteed.

Check risk levels

Review the scheme's SEBI-mandated riskometer. Risk levels range from Low, Low to Moderate, Moderate, Moderately High, High, and Very High.

Conclusion

A mutual fund account statement is an important document that helps you monitor investments, track transactions, verify unit holdings, and assess portfolio performance. Regularly reviewing your statement can help you stay informed about your financial goals and identify any discrepancies early. Whether you invest through SIP or lumpsum, understanding your statement can help you manage your mutual fund portfolio more effectively.

Frequently asked questions

How do I get my mutual fund statement?

You can get your mutual fund account statement from the respective AMC, registrar, or online investment platform. Most AMCs allow you to download statements through their websites using your folio number and PAN. If you invest through the Bajaj Broking website, you can also track your holdings through platform tools such as Dashboard, Portfolio, Orders, and MF Profile.

What is the average savings account interest rate in India?

Savings account interest rates in India generally vary between banks and account types. Rates commonly range from around 2.5% to 7% per annum, depending on the bank and account balance. Unlike mutual funds, savings account interest is not market-linked and is determined by the bank's policies and applicable regulations.

How do Asset Management Companies provide CAS?

Asset Management Companies provide a Consolidated Account Statement (CAS) through authorised registrars and depositories. The CAS combines mutual fund investments held across multiple AMCs and is delivered electronically or physically, depending on your registered preferences. The statement helps you view all eligible holdings in a single document and improves portfolio tracking.

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Disclaimer

Bajaj Finance Limited (“BFL”) is an NBFC offering loans, deposits and third-party wealth management products.

The information contained in this article is for general informational purposes only and does not constitute any financial advice. The content herein has been prepared by BFL on the basis of publicly available information, internal sources and other third-party sources believed to be reliable. However, BFL cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed.

This information should not be relied upon as the sole basis for any investment decisions. Hence, User is advised to independently exercise diligence by verifying complete information, including by consulting independent financial experts, if any, and the investor shall be the sole owner of the decision taken, if any, about suitability of the same.

Disclaimer

Bajaj Finance Limited ("BFL") is registered with the Association of Mutual Funds in India ("AMFI") as a distributor of third party Mutual Funds (shortly referred as 'Mutual Funds) with ARN No. 90319

BFL does NOT:

(i) provide investment advisory services in any manner or form.

(ii) carry customized/personalized suitability assessment.

(iii) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.

In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on As-is basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme/Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities forming part of the Mutual Fund. The NAV will inter-alia be exposed to Price/Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other/better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:

Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc, and shall also consult their Professional advisors, if they are unsure about the suitability of the scheme before investing.


Disclosure: Bajaj Finance Limited (BFL) is a distributor of Mutual Funds with ARN - 90319 and distributes mutual funds of Bajaj Finserv Asset Management Limited (BFSAMC). BFL receives commission towards distribution of mutual fund products. BFSAMC is a group company of BFL, carrying business on arm’s length basis without any conflict of interest and in accordance with the prevailing law / regulation.

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