How to track all mutual funds using a PAN number?

Key takeaways:

• The vast majority of investors have their MF investments spread across different platforms and have no single default view of all their MF investments.
• Your PAN is your common identifier that connects all your mutual fund investments across every platform.
• You can request a CAS (Consolidated Account Statement) through the following: CAMS, KFintech, and MFCentral.
• Link external mutual funds on Dhan with its external mutual fund tracking feature without the hassle of switching, repeated logins, or emailed PDFs; your external MF holdings appear in the Dhan app alongside your other holdings.

Some Mutual Funds are held with brokers, others with different AMCs or distributors, etc.

Now you can track all your mutual fund investments in one place using your PAN number in just a few clicks with Dhan's external mutual fund tracking feature. This enables you to bring all your MF holdings into a single, clean dashboard without switching between multiple apps or spreadsheets. Let’s explore this in more detail.

How PAN is the key to your entire MF portfolio

PAN is a 10-digit alphanumeric number that is issued by the Income Tax Department of India. As per the Securities and Exchange Board of India (SEBI) guidelines, PAN is mandatory for all mutual fund investments as part of KYC compliance, and hence all folios opened by you, irrespective of AMC, distributor, app, or platform, will be linked to the same PAN.

This connection enables PAN to be the number to get your entire mutual fund history. It allows fund houses and registrars to retrieve all folios in your name with one query.

What is a Consolidated Account Statement (CAS)?

As per SEBI guidelines, all mutual fund investors are entitled to receive a consolidated account statement (CAS), which consolidates all mutual fund transactions and holdings of the investors from every fund house and is sent monthly if there are any transactions or half-yearly if there are no transactions. You can also avail CAMs by visiting the NSDL CAS or CDSL CAS portal. Here is why CAS is important:

• Unified view: View all your mutual fund holdings in one place across AMCs, brokers and platforms.
• Discover forgotten folios: Find out about old investments you might have forgotten about over the years.
• Improved portfolio management: Monitor asset allocation, performance and capital gains across your entire portfolio.
• Switch to direct plans: Identify regular plan holdings and switch to direct plans to save on expense ratios.
• Tax planning: Helps you understand capital gains and tax filing for implementing harvesting strategies.

How to track mutual funds using PAN

There are several methods available to Indian investors for PAN-based mutual fund tracking. Some of the most popular ones are:

CAMS (Computer Age Management Services) 

CAMS handles registrar services for several of India's largest fund houses. Investors can request a CAS by visiting the official CAMS portal at https://www.camsonline.com/, entering their PAN and registered email. Then they have to authenticate with an OTP, and the CAS statement will be delivered to them via email.

KFintech (KFin Technologies) 

KFintech is the other primary mutual fund registrar in India, servicing a separate set of AMCs. Investors can access their consolidated statement at https://mfs.kfintech.com/ using PAN and email verification.

MFCentral 

MFCentral is a joint initiative by CAMS and KFintech, launched to give investors a single platform to view all their folios across all mutual funds, regardless of which registrar handles each scheme. Investors can track their portfolios on mfcentral.com or cams.kfintech.com.

The gap these methods leave open

The CAS-based approach has a fundamental limitation: it is a document, not a dashboard. Requesting a statement, waiting for an email, opening a PDF, and cross-referencing values against the rest of your portfolio is a cumbersome process, and most investors do it only around ITR filing.

For investors who also trade stocks, hold ETFs, or have F&O positions, scattered mutual fund holdings across different platforms make tracking their portfolio difficult. Dhan's external mutual fund tracking is built to solve this problem.

What is Dhan’s external mutual fund tracking feature?

Dhan, a SEBI-registered stockbroker, launched its external mutual fund tracking feature to let its users view their scattered external mutual fund holdings directly in the Dhan app using their PAN number. Once linked, all external mutual fund holdings appear within the Dhan portfolio, where you can view them alongside your stocks, ETFs, and any other investments held on Dhan.

Thus, you don't need a separate login, emailed PDF, or to switch between apps. The consolidated portfolio view also updates automatically, giving you a single, easy-to-access view of your entire portfolio every time you open the app.

How to track external mutual funds on Dhan using PAN

Setting up external mutual fund tracking on Dhan takes a few minutes. Here is how:

Step 1: Log in to the Dhan App 

Open the Dhan app on your mobile device. Navigate to the Portfolio section.

Step 2: Select investments outside Dhan

Within the Portfolio tab, scroll down to find the investments outside Dhan option, then select mutual funds. This is the feature that imports your PAN-linked mutual fund holdings from outside Dhan.

Step 3: Verify and import 

Complete verification via OTP on your registered mobile number or email. Once authenticated, your external mutual fund holdings will appear in the portfolio view within the Dhan app.

Wrap up

Tracking all your mutual funds using your PAN is a necessity for informed investing. Whether you use MFCentral, CAMS, KFintech, or Dhan's external mutual fund tracking feature, the goal is the same: consolidate, analyse, and optimise your portfolio for better returns.

For investors who want simplicity without compromising on features, Dhan's external MF tracking offers the best of both worlds: a unified dashboard that brings together demat and statement-form holdings, with actionable insights to help you make smarter investment decisions.