How to Track Mutual Funds Across AMCs in One Place (Without Re-Uploading CAS Every Month)

The average Indian mutual fund investor with more than 3 years of investing history holds funds across at least 3 AMCs. Add SIPs started through a bank, a few direct AMC website purchases, and a couple of funds bought on a platform that has since been replaced, and the picture fragments further. 5 AMCs, 3 platforms, 11 folios — each showing partial data — is not an unusual situation. It is simply what happens when financial products are bought over time without a unified structure.

Getting a complete picture of this portfolio — actual allocation, unrealised gains, LTCG exposure, real equity-to-debt ratio — requires pulling data from all those sources into one place. There are 4 practical ways to do it. Each has a different cost in time, accuracy, and ongoing maintenance.

Quick answer: The CAS upload approach (MFCentral → download full CAS PDF → upload to Kuvera, INDmoney, or Foliyo) gives the most complete one-time snapshot. For ongoing tracking without manual re-uploads, use a platform that stores your CAS data and refreshes via CAMS/KFintech linkage, or link via account-aggregator frameworks. The refresh frequency varies by platform.

Why Multi-AMC Tracking Is Harder Than It Should Be

Mutual funds in India do not have a single universal account number. Your folio number is AMC-specific — you have one folio at HDFC MF, another at Mirae, another at Parag Parikh. When you switch platforms (from bank RM to Kuvera, or from Groww to Coin), existing folios from the old platform remain at the original AMC under the original folio number. The new platform only shows what you bought through it.

This creates the multi-platform fragmentation problem. Even if all your funds are Direct plans, if you bought them across different platforms or AMC websites over the years, no single platform has visibility into all of them — unless you actively import them via CAS.

If you want a fee-only advisor to look at this complete picture and advise you, start with a portfolio audit. The CAS upload is the first step.

Option 1: MFCentral Manual View (No Account Needed)

MFCentral, operated jointly by CAMS and KFintech, shows your complete folio holdings after PAN + OTP login. No account required. This is your authoritative source — every mutual fund folio, across every AMC, in one screen.

What it shows: Current units, current NAV, current value, scheme name, plan type (Direct or Regular), folio number, and the ARN code of the distributor if applicable.

What it does not show: Goals, asset allocation pie, LTCG exposure, unrealised gains breakdown, or any analytical layer.

Frequency: Real-time as of the previous business day's NAV.

Effort: Log in, view holdings. Download as PDF for reference. Manual — nothing updates automatically.

Best use case: One-time audit to understand what you hold and where. Download the full CAS from here for use in other tools.

Option 2: Kuvera CAS Import (One-Time Setup, Ongoing Tracking)

Kuvera accepts a CAS PDF upload and maps your externally-held folios into its dashboard. Once imported, those external holdings appear in Kuvera's goal analysis, tax reports, and portfolio allocation views alongside any funds you have bought through Kuvera directly.

Refresh mechanism: Kuvera does not auto-refresh external folios in real-time. The external folio values update based on NAV, but transaction data (new SIPs you set up directly with an AMC) will not appear unless you re-upload a fresh CAS.

What it gives you: Consolidated allocation view, unrealised gains report, capital gains statements that include externally-imported folios, goal tracking with cross-platform holdings.

Limitation: If you set up new SIPs directly on an AMC portal after the CAS import, those transactions will not appear in Kuvera until you download and re-upload a fresh CAS. This is the "re-uploading every month" problem the title refers to.

Effort level: One-time CAS upload, then periodic refresh (quarterly is sufficient for most investors unless there are active new purchases on external platforms).

Option 3: INDmoney Aggregation (Account-Aggregator + CAS)

INDmoney uses both CAS import (same as Kuvera) and the account-aggregator framework — a SEBI/RBI-regulated data-sharing infrastructure — to pull financial data with consent.

For mutual funds: CAS import works the same way as Kuvera. For funds you transact through INDmoney directly, they appear in real-time.

For bank and EPF data: Account-aggregator linkage refreshes more frequently and can auto-update, depending on which institution is linked.

The INDmoney advantage is breadth: if you want your MF portfolio tracked alongside your EPF balance, bank accounts, and stock holdings in one screen, it beats Kuvera for multi-asset aggregation. See the INDmoney review for the full picture.

The limitation remains the same: externally-held MF folios require periodic CAS re-upload for transaction-level accuracy.

Option 4: Manual Spreadsheet

Some investors — particularly those who are detail-oriented or do not want their data on a third-party platform — track manually in Excel or Google Sheets.

The mechanics: pull NAV from the AMFI API (free, public, updated daily), maintain your own folio records, and calculate portfolio value, allocation, and gains manually.

Effort: High. Ongoing. Prone to data entry errors. Accuracy: As accurate as your maintenance discipline. Advisory value: Zero — a spreadsheet does not tell you what to do about what it shows.

Manual tracking is viable for investors with simple, consolidated portfolios (3–5 funds, single AMC) or strong data management habits. For portfolios with more complexity, the effort does not justify the advantage over a CAS-based platform.

What to Look for in a Tracker

Not all portfolio trackers are equal. The criteria that matter:

1. CAS coverage or account-aggregator linkage Does it show all your folios, or only funds bought through that platform? A partial view can give a misleading allocation picture.

2. Refresh frequency How often does it update external folio data? Real-time NAV vs transaction-level refresh are different things. Know which you are getting.

3. Cost transparency The tracker should show TER per scheme and flag if any holdings are Regular plans. If it does not surface the expense ratio, it is hiding a variable that affects your returns.

4. LTCG and tax reporting Does it calculate unrealised gains with correct FIFO logic? Can it generate a capital gains statement for ITR filing? Tax reporting quality varies significantly between platforms. See the LTCG exemption guide for what you need to be tracking.

5. Advisor connection A dashboard that shows you your portfolio without any path to professional advice leaves you with data but no interpretation. Platforms that connect you to fee-only advisors — not algorithmic recommendations — complete the picture.

How Foliyo's CAS Upload Flow Works

Foliyo is not a transaction platform, but it accepts CAS uploads as the starting point for an advisor-matched portfolio audit.

The flow:

1. Download your full CAS from MFCentral (detailed transaction history version)
2. Upload the PDF to Foliyo
3. Foliyo maps your holdings across all folios and AMCs
4. The audit surfaces: Direct vs Regular plan split, LTCG harvesting opportunity, real equity-to-debt allocation, fund overlap (if you hold 8 funds that effectively duplicate each other), and fee drag
5. You are matched with a SEBI-registered fee-only advisor relevant to your portfolio size and situation

The "re-upload every month" problem applies to any CAS-based system. For active portfolios, a quarterly CAS refresh is usually sufficient for advisory accuracy. The goal is not a live dashboard — it is an advisor-interpreted view of your portfolio at the moment of the review.

FAQ

How do I download my CAS from MFCentral?

Log in at mfcentral.com with PAN + OTP. Go to "Statements" → "Consolidated Account Statement." Choose "Detailed" (includes transaction history) for a complete view, or "Summary" for current holdings only. Select your date range and download the PDF. The full guide is in MFCentral: The Government MF Aggregator.

My CAS shows folios I do not recognise. Is that a problem?

Unknown folios in your CAS usually mean a past SIP you forgot about, a gift of units from a family member, or a folio created during a dividend reinvestment. Log in to MFCentral, find the folio, and check the scheme name and transaction history. If you do not recognise the source, check with the AMC directly. Legitimate folios are not a security concern, but a folio you are not tracking is a gap in your portfolio view.

I have funds in both CAMS and KFintech AMCs. Does my CAS show both?

A CAS downloaded from MFCentral covers AMCs registered with both CAMS and KFintech (which together handle virtually all Indian MF folios). A CAS downloaded from the individual CAMS or KFintech portals only shows the AMCs registered with that specific RTA. Always download from MFCentral for a truly complete statement.

How many funds is too many to track manually?

If you have more than 6–7 distinct fund schemes, manual tracking starts to miss interactions — overlap between two mid-cap funds, the aggregate equity exposure when you add up 4 hybrid funds, the combined LTCG exposure across all folios. Platforms that do this calculation automatically are not a luxury at that point. If you are at 10+ schemes across 4+ AMCs, a CAS-based consolidated tracker is clearly worthwhile.

Does re-uploading CAS every quarter cause any issue?

No. Uploading a fresh CAS simply refreshes the snapshot. It does not create new accounts or duplicate data — platforms that accept CAS uploads overwrite the previous external folio data with the latest statement. There is no downside to refreshing quarterly.

If you have not reviewed your mutual fund portfolio as a whole — allocation, cost, tax exposure, and fund overlap — start with a free portfolio audit on Foliyo →. Upload your CAS once and get a fee-only advisor's view of the full picture.