How to Track All Your Investments in One Place in India
Most Indian households hold money in eight or more places: mutual funds, a demat account, EPF, PPF, NPS, fixed deposits, gold and property. No single official statement covers them all. Here is what each source shows, and how to join them up.
The short answer
Start with a PAN-based Consolidated Account Statement (CAS). It brings your mutual funds and demat holdings together in one document. Then add what the CAS cannot see: EPF, PPF, NPS, fixed deposits, physical gold, property and loans. Those come from their own statements. Put everything in one list (a spreadsheet or a net worth tracker), update it monthly, and you have a complete picture without handing anyone your bank passwords.
Can you track all investments with your PAN number?
Partly. Your PAN links your mutual fund folios and demat accounts, so a PAN-based CAS can show them together. But PAN is not the key for most other Indian savings:
- EPF is tracked by your UAN (Universal Account Number), not your PAN.
- NPS is tracked by your PRAN (Permanent Retirement Account Number).
- PPF and fixed deposits sit with the individual bank or post office.
- Physical gold and property have no statement at all. You value them yourself.
So "track everything by PAN" gets you the market-linked half of your wealth. For many salaried households, the other half (EPF, PPF and the home) is the larger one.
Source 1: the CAS for mutual funds and demat
Depository CAS (NSDL or CDSL)
If you have a demat account, the depositories (NSDL and CDSL) issue a CAS. It covers your demat holdings (shares, ETFs, bonds and Sovereign Gold Bonds held in demat) along with mutual fund units mapped to the same PAN. It is sent to your registered email, and you can also request one from the depository's website.
Mutual fund CAS (CAMS, KFintech, MF Central)
Mutual funds in India are serviced by registrar and transfer agents, mainly CAMS and KFintech. Either one can generate a CAS covering your folios across fund houses. MF Central, a platform built jointly by CAMS and KFintech, lets you see and service all your mutual fund folios in one place. This is the right source if you hold funds outside a demat account, for example directly with the fund house.
Tip
Use one CAS as the source for mutual funds, not two. Units held in demat can appear in both the depository CAS and the RTA CAS. Adding both counts the same money twice.
Source 2: retirement accounts
- EPF: log in to the EPFO member passbook with your UAN, or use the UMANG app. Use the latest balance shown, including both employee and employer share.
- PPF: check the passbook or statement from the bank or post office where the account is held.
- NPS: check the statement from your Central Recordkeeping Agency (CRA) using your PRAN. Include both Tier I and Tier II if you have them.
More on how these three differ: EPF vs PPF vs NPS.
Source 3: everything without a statement
- Fixed deposits and recurring deposits: principal plus interest accrued to date, from each bank.
- Gold: weight times the current rate for that purity. Sovereign Gold Bonds held in demat already appear in the depository CAS. Don't add them twice.
- Property: a realistic current sale price based on comparable sales nearby, revised once or twice a year.
- Loans: outstanding principal from each lender. Leave these out and the total flatters you.
What about apps that link everything automatically?
Many Indian apps pull data automatically, either by reading your CAS or through the RBI's Account Aggregator framework, which lets you consent to sharing bank and investment data with a regulated intermediary. That is convenient. The trade-off is that your full financial data passes through a third party, and the automatic feeds still don't cover physical gold, property or a family member who won't link their accounts.
The alternative is manual tracking: you enter each value yourself from the statements above. It takes about 15 minutes a month, nobody needs your logins, and it covers every asset, including the ones no feed can see. The trade-offs are covered in tracking family wealth without bank access, and how to choose a net worth tracker for India compares the approaches. For specific apps, see Finworthly vs FOLO and Finworthly vs INDmoney.
Putting it in one place
- Make a list of every holding, one row each, noting whose it is.
- On a fixed date each month, take the value of each one from the sources above.
- Total the assets, subtract the loans, and record the result next to last month's.
You can do this in the net worth tracker Excel template, which already has rows for every source on this page. Or use Finworthly, which does the same thing manually without bank links, and keeps the history, the per-person split and the investment gain for you.
One view of the whole family's money
Finworthly is a net worth tracker built for Indian households. You enter the values, it keeps the history. No bank logins, no account aggregators.
Try Finworthly