How to Check Your Demat Account Balance Online

A Demat account holds your securities like shares, bonds, and ETFs in electronic form. Just like a bank account reflects your cash balance, a Demat account shows the value of your electronic securities. Regularly checking this balance helps you manage your investments effectively. Here’s how to check it online.

Before checking the balance, it helps to know what it consists of:

• Securities Quantity: Total number of each stock, bond, or mutual fund unit you hold
  

• Available Holdings: Securities that are not pledged or locked
  

• Locked-in Holdings: Shares that are under a lock-in period (e.g., employee stock options)
  

• Pledged Shares: Securities held as collateral against loans
  

• Value: The market value of each security based on current trading prices

Your account balance can help you assess your portfolio’s worth and make informed decisions.

There are multiple ways to check your Demat balance, depending on whether your account is with CDSL or NSDL and which broker you use. The most common ways include:

Through Your Broker’s Online Platform

Most brokers offer user-friendly web and mobile platforms that allow you to check your balance at any time. Steps for these brokers are as follows:

Step 1: Log in to the broker’s website or app

Step 2: Navigate to ‘Portfolio’ or ‘Holdings’ section

Step 3: View individual stock holdings and their quantities

Step 4: Market values are usually shown alongside

Some platforms may allow downloading a PDF report of holdings as well.

Using CDSL Easi Portal

If your Demat account is maintained with CDSL, you can use the Easi or Easiest portal. The steps are as follows:

Step 1: Visit https://www.cdslindia.com

Step 2: Click on ‘Login to – New System Myeasi (BO/CM)’

Step 3: Enter your user ID and password (you can register if not already)

Step 4: Navigate to ‘My Holdings’ to view your Demat balance

The portal displays ISIN codes, quantity held, free balance, pledged shares, and market value.

3. Using NSDL IDeAS Portal

If your Demat account is with NSDL, use the IDeAS portal using the following steps:

Step 1: Visit https://www.nsdl.co.in

Step 2: Go to ‘IDeAS’ and log in

Step 3: Select the ‘Account Holdings’ tab

Step 4: View your current holdings and respective balances

This portal is ideal for users who want a detailed statement without going through their broker.

Via Consolidated Account Statement (CAS)

The CAS provides a summary of all holdings across various platforms and is issued monthly or quarterly.

• Delivered via email if your email is linked with your PAN
  

• Combines data from both NSDL and CDSL
  

• Shows mutual fund holdings, Demat securities, and folio numbers

You can also request the CAS manually from the depositories’ websites.

• Most depository participants (like brokers or banks) and the depositories themselves offer SMS and email notifications that inform you when there’s a change in your demat account balance (such as credits or debits of securities).

• These alerts are sent to the mobile number and email address you have registered with your broker or DP. To receive them, you must ensure those contact details are accurate and up to date. 

When checking your balance online, here’s what you typically see:

Note: The market value is dynamic and may change based on stock prices.

• Verify account details like name, PAN, and Demat account number.
  

• Review current and past holdings to ensure accuracy.
  

• Check for corporate actions such as splits, bonuses, or dividends.
  

• Note the difference between available balance, locked-in holdings, and pledged shares.
  

• Ensure alerts or updates match actual transactions in the account.

• Login Credentials: Ensure your login is secure with strong passwords
  

• Data Sync Timing: Real-time prices may not be reflected on all portals
  

• Market Holidays: Valuations may not update on non-trading days
  

• Cross-Platform Holdings: CAS is helpful when you have multiple brokers
  

Regularly checking your Demat balance helps avoid surprises, especially around dividend dates, corporate actions, or IPO listings.

It’s important not to confuse Demat balance with your transaction record. Here’s how they differ:

Both are equally useful for tracking and reconciling investments.

• Transparency: Clear view of all your holdings
  

• Convenience: Available 24x7 from anywhere
  

• Accuracy: Real-time access to asset values
  

• Portfolio Insights: Helps in evaluating diversification and exposure
  

• Financial Planning: Useful for tax planning and capital gains tracking

Checking your Demat account balance online is a simple but vital step in managing your investments. It not only keeps you informed about your financial position but also helps in planning trades, verifying transactions, and preparing tax documents. Whether through your broker, NSDL/CDSL portals, or consolidated statements, multiple tools are available for this purpose.

This content is for informational purposes only and the same should not be construed as investment advice. Bajaj Finserv Direct Limited shall not be liable or responsible for any investment decision that you may take based on this content.