Viewing investor investments is mandatory for every MFD (Mutual Fund Distributor). Otherwise, how will you grow your business? If you have no visibility into what your clients already hold, you can’t spot cross-sell or upsell opportunities, or advise them smartly. That’s why most forward-looking distributors insist on using the best mutual fund software that also offers CAS (Consolidated Account Statement) viewing.

What is CAS?

CAS = Consolidated Account Statement

Here’s what CAS is, in simple terms:

●    CAS is a single statement that consolidates all mutual fund transactions and holdings across different AMCs (fund houses) under a given PAN.

●    It also includes depository holdings (if the investor holds securities in demat mode) in the same statement.

●    It’s generated regularly — monthly (if there are transactions in the month) or half-yearly (if no transactions) 

●    The idea is: rather than sending multiple statements from each AMC or registrar, the investor (and you as the distributor) gets a unified view of all holdings.

In short: CAS gives you a holistic, one-page (or few pages) snapshot of what the investor holds — across all funds, all AMCs, and demat holdings (if any). That’s why it’s such a powerful tool for you as a distributor.

The Old Way vs. The New Way — CAS in Distributor Software

Let me walk you through how it used to work, and what mutual fund software for distributors in India lets you do today.

Old / Conventional Approach

●    Distributor software would require you to download a CAS file (or get from the RTA / registrar) — usually in PDF or Excel format.

●    Then you’d upload that file manually into your distributor software (back office).

●    The software would parse that file and show holdings, transactions, etc.

●    Problem: this is manual, slow, error-prone, and requires you to follow up with clients or RTAs for the file regularly.

In short: you were dependent on someone sending you the CAS file, then uploading and refreshing data in your system.

Modern / OTP-based Real-Time CAS Access

Today, thanks to better APIs, data sharing, and security protocols, back office software can offer instant CAS access via OTP, without manual uploads.

Here’s how it works now:

●    The client authorizes access via an OTP sent to their mobile.

●    You (the MFD) enter minimal client identifiers (Name, Mobile, PAN) in the software.

●    The investor gets an OTP, enters it, and in seconds you see the consolidated CAS / holdings inside your software dashboard.

●    There’s no uploading of files, no delays, no back-and-forth.

This is far more seamless, secure, and client-friendly.

How to Start Using the OTP Facility for CAS in Your Software

To enable and use this instant CAS feature in your tool, here’s the step-by-step setup and usage. Think of this like enabling a plugin — once done, it saves you loads of time forever.

Setup / Onboarding (One-time)

Upload the JSON file

●    Your software provider (or your IT team) will give a JSON / schema file which connects your software with the RTA / depository API.

●    You need to upload or integrate that into your software’s backend to enable the OTP-CAS feature.

Once that step is complete, your software is ready to fetch CAS via the API endpoints.

Fetching / Viewing CAS via OTP (Per Client)

Here’s how you as an MFD will fetch CAS when needed:

1.    Enter client details - Name (new or existing), Mobile number, PAN

2.    Send OTP - The software triggers an OTP to the investor’s mobile

3.    Investor enters OTP - After OTP is entered, the connection is authorized

4.    Instant CAS view - The software fetches the consolidated CAS data and displays it in your dashboard

So the steps are: Input basic identifiers → trigger OTP → investor enters it → view CAS instantly.

No waiting. No manual uploads.

Final Thoughts

Yes — the best software does let you view CAS quickly — not in days or after someone mails you a file, but instantly via OTP. That used to feel like a dream. Now, it's becoming a table stakes feature.

If your existing software doesn’t support this, it’s time to ask — or switch to one that does. Because in the world of mutual fund distribution, speed, clarity, and access are your differentiators.