What is the password for a CAMS or KFintech CAS statement?
By the PdfDady team · Updated · 7 min read
The password for a mutual fund Consolidated Account Statement (CAS) from CAMS or KFintech is the one you typed into the request form yourself. It is not your PAN, not your date of birth and not a formula. If you requested the statement, you set the password a minute before pressing Submit.
That also answers the most common follow-up. If you have forgotten what you typed, nobody can look it up for you. Request the statement again and choose a new password. It arrives by email like the first one.
How the CAS password works
A CAS lists your mutual fund folios and transactions in one PDF. CAMS and KFintech are the two registrars that keep these records for most fund houses, and both offer a "statement by email" form on their websites.
The form asks for your email ID, the period, the type of statement, and a password. KFintech's page describes it like this: the statement is delivered in a secure PDF, you enter a "self-extraction password" to secure it, and you will need that password to open the statement. CAMS's form works the same way, encrypting the statement with the password you provide.
Two things follow from this design.
- Only you know the password. The registrar's email does not repeat it, and there is no rule to fall back on.
- Each request has its own password. If you asked for three statements over the year and used three passwords, each PDF opens only with its own.
What the request forms ask for
At the time of writing, KFintech's consolidated statement form has these fields:
| Field | Options |
|---|---|
| Email ID | The one registered in your folios |
| PAN | Optional |
| Statement type | Summary or Detailed |
| Period | Current financial year, previous financial year, or a specific period |
| Zero-balance folios | Include or leave out |
| Password | Typed twice |
KFintech's password must have at least 8 characters, with at least one capital letter, one small letter, one number and one special character. CAMS has its own password rules shown on its form, and they are not identical to KFintech's, so read the hint beside the password box on whichever site you use.
The statement goes to the email address registered in your folios. If you enter a different address, or your folios were opened with an old email ID you no longer use, nothing will arrive. In that case, update your email with the fund house or registrar first.
KFintech also has a separate "Account Statement" form that covers only the funds KFintech services. If your statement seems to be missing half your funds, check that you used the consolidated form and not the single-registrar one.
If the password is not accepted
Because you made the password up on the spot, the usual problem is a small difference between what you remember and what you typed.
- Case. The rules force a mix of capital and small letters, so there is always at least one place to slip.
Invest@2026andinvest@2026are different. - The special character. People often remember the word and the number but not whether it was
@,#or_. - Phone keyboards. Auto-capitalisation may have turned the first letter into a capital when you filled in the form. Try that variant.
- The wrong email. If you have requested several statements, make sure you are opening the latest attachment with the latest password.
- Copy and paste. Pasting from a notes app can carry a trailing space.
If two or three careful tries fail, stop and request a fresh statement. It is quicker than trying variations, and this time write the password down before you press Submit.
Statements that were not requested by you
Not every mutual fund or demat statement in your inbox comes from these forms. Depositories (NSDL and CDSL) send their own consolidated statements, and fund houses and investment apps send account statements too. Those follow whatever rule the sender has set, and the email it came in explains it. We have not listed those formats here because we could not confirm them on the senders' own pages when writing this.
The rule of thumb: if you filled in a form and chose a password, it is that password. If the statement arrived on its own, read the email.
Saving a copy that opens without the password
A CAS is often needed somewhere else. Your tax preparer wants it for capital gains, a portfolio tracker asks for it, or you simply want to keep each year's statement without remembering each year's password.
You have two options when passing it on: send the protected PDF and tell the person the password, or make a password-free copy. If you would like the second, use our Unlock PDF tool:
- Add the CAS PDF.
- Type the password you chose on the request form.
- Download
unlocked.pdf.
This runs in your browser. The statement and the password are not uploaded, and PdfDady does not store or send either. Only the encryption is removed, so the tables and text in the statement stay exactly as they were, selectable and searchable.
The tool needs the correct password. It does not guess or recover one, so it is no help with a statement whose password you have forgotten. For that, request a new statement.
Look after the unlocked copy
A detailed CAS shows your investments across fund houses, with folio numbers and transaction history. It is a fairly complete picture of your savings, so treat a password-free copy accordingly.
- Delete it after it has served its purpose. You can always request another statement.
- Don't keep it in the Downloads folder of a shared or office computer.
- If you are sending it to a CA or adviser, consider protecting it again with a password you share with them by phone, using Protect PDF. Our guide on how to password protect a PDF explains how to pick one.
- Before giving a CAS to an app or website, be sure you know who runs it and what it does with the file. Our explainer on whether online PDF tools are safe has a checklist that applies here too.
Questions people ask
Is my PAN the CAS password?
Not for a statement you requested through the CAMS or KFintech forms. PAN is an optional field on the KFintech form, used to find your folios. The password is the separate one you typed.
I never set a password. Why is my statement locked?
Then it probably did not come from one of these request forms, or someone else requested it for you, for example an adviser or a family member. Check the sender and the email text for the rule, or ask whoever requested it.
Can CAMS or KFintech tell me my password?
Their forms describe the password as one you provide, and the simplest fix they offer for a lost one is the form itself: request the statement again with a new password.
Can I change the password of a statement I already have?
Yes, in two steps, if you know the current one. Unlock it with Unlock PDF, then add a new password with Protect PDF.
Summary or detailed: which should I request?
A summary shows your holdings. A detailed statement includes transactions for the period you choose, which is what tax work usually needs. Ask the person you are sending it to which one they want before you request it.