6 Essential Mutual Fund Statements Every Investor Must Know About

 

Main Statements Useful for Mutual Fund Investors

Investing in mutual funds is a great way to build wealth over time, but to truly manage and grow your investments wisely, it's important to stay informed. One of the best ways to do this is by regularly reviewing a few key statements that mutual fund companies and registrars provide. These statements not only keep you updated on your portfolio but also help with planning, compliance, and tax filing.

In this blog post, let’s explore the main statements every mutual fund investor should know about and track regularly.

1. Account Statement

An account statement is like the report card of your mutual fund investments. It provides detailed information about your holdings, such as:

• Number of units held

• Purchase and sale transactions

• Net Asset Value (NAV) as on a particular date

• Current value of your investments

Most fund houses send this statement monthly or quarterly, but investors can request it anytime. Regularly checking your account statement helps ensure that all transactions are accurately recorded.

2. Transaction Statement

The transaction statement gives a detailed record of all activities related to your mutual funds, including:

• Purchases

• Redemptions

• SIP (Systematic Investment Plan) installments

• SWP (Systematic Withdrawal Plan) payouts

• Switches between schemes

• Dividend payouts (if applicable)

This statement is crucial to keep track of your investment pattern and to reconcile your records.

3. Capital Gain Statement

When you sell mutual fund units, you may realize capital gains or losses. A capital gain statement shows:

• Short-term capital gains (STCG)

• Long-term capital gains (LTCG)

• Tax deducted at source (if applicable)

This statement becomes especially important during the tax season. It helps you accurately declare your earnings and pay the applicable taxes, ensuring full compliance with the Income Tax Department regulations.

4. Holding Statement

A holding statement is a snapshot of your mutual fund portfolio. It summarizes:

• Current units held

• Fund name and category

• Purchase NAV and current NAV

• Unrealized gains/losses

This statement is useful for reviewing your portfolio performance and making informed investment decisions. It also assists in rebalancing your portfolio if needed.

5. Consolidated Account Statement (CAS)

Issued by depositories like NSDL or CDSL, the Consolidated Account Statement offers a single view of all your investments across mutual funds and even securities linked to your PAN. It includes:

• Holdings across all fund houses

• Details of all transactions in a period

• Performance summaries

Receiving a CAS simplifies tracking investments, especially for those investing across multiple AMCs (Asset Management Companies).

6. Dividend Statement (for Dividend Plans)

If you have opted for a dividend plan (though now most schemes are structured as growth or IDCW – Income Distribution cum Capital Withdrawal), you will receive a dividend statement showing:

• Dividend amount

• Payment date

• Tax details, if any

This statement is essential to track any cash inflows from your investments and for tax reporting purposes.

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Final Thoughts

Staying organized with these key statements can make a huge difference in how effectively you manage your mutual fund investments.
They help you track performance, optimize taxes, and plan better for your financial goals.

Most importantly, always ensure that your email and mobile number are updated with your fund house or registrar to receive these statements regularly.
And if you prefer everything in one place, setting up a CAS delivery is the smartest move!

Stay informed, stay invested. Happy investing! 🌟