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An overview of what a Client Master Report (CMR) is, its full form, what it contains, and how a Depository Participant provides it for a demat account.
Last updated on: Sep 23, 2026
The full form of CMR is Client Master Report.
A Client Master Report (CMR) is a document provided by a Depository Participant (DP) containing registered details of a demat account. The term Client Master List (CML) is also used in regulatory and industry documents for similar client-detail records. It reflects the information maintained with the depository, either CDSL or NSDL, at a specific point in time.
In practical terms, a CMR is a consolidated record of registered demat account details. It is not a transaction statement or a statement of holdings. Understanding what a CMR report is helps explain why it may be used when verification of demat account details is required.
The CMR typically captures:
Registered personal details such as name, date of birth, PAN, and contact information
Demat account identifiers such as DP ID, Client ID or BO ID, depending on the depository and account format
Linked bank account details used for settlements
Nominee details, if registered
Account status and other account-related information, depending on the DP's format
The client master list of a demat account reflects records as maintained with the depository and does not function as a portfolio or holdings statement.
CMR stands for Client Master Report. A Depository Participant provides this document as a record of an investor's registered demat account details, including personal information, bank details, and nomination status, as held with the depository.
A typical CMR contains the following details:
| Component | Description |
|---|---|
Personal Details |
Name, address, date of birth, PAN, and contact information (registered mobile number, email, correspondence address) |
Demat Account Info |
BO ID, DP ID, Client ID, depository name, account status, holding pattern and other account configuration details, as applicable |
Bank Account Details |
Bank name, branch and registered bank account details, where included in the CMR format |
Nominee Information |
Nominee details, if applicable |
KYC Status |
KYC verification status with the depository |
Account Configuration |
Account opening date, freeze status (if any), and other operational flags, depending on the depository format |
CMRs may be provided electronically, including as digitally signed documents, depending on the DP's process and format. Physical copies may also be available on request. A physical copy may also be available on request, depending on the DP. It does not contain transaction history, portfolio valuation, or market-related data; it functions purely as a record of demat account particulars maintained at the depository level.
CMR (Client Master Report) and CML (Client Master List) are terms used for records containing registered demat account details. The terminology and document format may vary across depositories and Depository Participants.
CMR (Client Master Report): A term used by depositories and Depository Participants for a report containing registered demat account details.
CML (Client Master List): A term also used in SEBI and depository-related documentation for a record containing client/demat account details. The terminology and format may vary depending on the depository, DP and purpose for which the document is requested.
The client and demat account information reflected in a CMR forms part of the records maintained by the Depository Participant in accordance with applicable regulatory requirements. Depository Participants maintain client and demat account records and provide account-related documents or information through the channels and processes applicable to their services.
From a regulatory perspective, the client master list supports:
KYC verification and compliance tracking
Accurate processing of corporate actions
Consistency between broker records and depository records
The document functions as a reference record rather than a transactional statement.
A Client Master Report presents a consolidated view of a demat account's registered details at a specific point in time. It serves as a reference record of account-level information rather than a transaction or holding statement.
A CMR is commonly used for:
Verification of demat account details: it displays core information such as the account holder's name, BO ID, PAN, bank account details, contact information, and nomination status as recorded with the depository.
Use in inter-DP and account processes: CMR copies may be used for certain DP-to-DP transfer, account closure or account modification processes, depending on the applicable requirements.
Confirmation of linked credentials: The report can help verify whether the registered account details provided to an intermediary correspond with the demat account details.
Supporting documentation for operational or regulatory requirements: financial institutions, brokers, or depository participants may request a CMR to validate demat account ownership and configuration for processing specific requests.
In this way, a CMR functions as a standardised snapshot of demat account particulars, supporting verification and administrative processes without reflecting market activity or portfolio values.
A CMR is commonly required in the following situations:
Transferring holdings between Depository Participants (transfer of securities between demat accounts/DPs)
Closing a demat account
Providing demat account details for certain securities, investment or intermediary-related processes, where the concerned intermediary requests a CMR
Certain account modification or verification requests where the DP or concerned intermediary asks for a CMR
The method for obtaining a CMR varies across Depository Participants. It may be available through an online account, email request, branch or customer-support channel, depending on the DP. Processing timelines, delivery format, and the exact request mechanism vary across DPs, based on their internal processes and applicable regulatory guidelines.
Most Depository Participants allow account holders to access or request a CMR copy through broker or DP portals. The exact steps vary by platform and may change over time.
Log in to the platform through which the demat account is serviced.
Open the Account, Profile, or Documents section.
Locate an option labelled Client Master Report (CMR) or Demat Details.
Select the option to generate or request the CMR.
Choose delivery by email or download, depending on what the platform provides.
The exact navigation labels and availability vary based on the depository participant and the interface used. Some Depository Participants also provide the report through email-based requests or customer support channels.
A Client Master Report can also be requested by contacting the DP through:
A branch visit
Email or written request
Customer support channels
Where digital access is unavailable or not enabled, the DP processes the request offline. Processing timelines and formats (digital or physical) depend on the DP's internal process.
Delays in report generation
Inconsistencies between DP and depository records
Portal access issues
The DP handles corrections based on supporting documentation submitted for the discrepancy.
The DP's grievance mechanism provides an escalation route if the initial correction request is not resolved.
A Client Master Report provides a consolidated record of demat account details as maintained with the depository through the Depository Participant. Investors, brokers, and depository participants use it for verification, compliance, and documentation purposes across multiple account-related processes. A CMR provides a current snapshot of the registered demat account details maintained by the DP, which can be used for account verification and documentation purposes.
CMR stands for Client Master Report, a document issued by a Depository Participant (DP) that records the registered personal, bank, nominee, and demat account details of an account holder, as maintained with the depository.
A CMR is provided as a record of the registered details of a demat account maintained by the DP.
Any charges for obtaining a CMR depend on the Depository Participant's applicable tariff. Some DPs may provide electronic copies without a separate charge, while charges may apply for physical copies or specific request types.
A CMR reflects the client and demat account details maintained by the DP at the time the report is generated. When registered account details are changed through the applicable DP process, the updated information is reflected in subsequent records.
The Depository Participant addresses any discrepancies in personal or account details recorded in the CMR, since updates to client information are processed at the DP level.
Yes. For joint demat accounts, the Client Master Report reflects the details of all registered account holders.
A CMR copy is a copy of the Client Master Report provided by a Depository Participant. It contains registered details of the demat account, with the exact information and format varying by DP and depository.
No. A CMR primarily contains registered demat account and client details. It is not a statement of current holdings or transaction history. A statement of holdings or transaction statement is used for those details.
The time required to receive a CMR depends on the DP's process and the method used to request it. Electronic copies may be available through online platforms, while requests requiring manual processing may take longer.
A Client Master List (CML) can generally be obtained through the broker or Depository Participant's online platform, if the facility is available. The terminology and download process vary across DPs and depositories.
A CML or CMR for a CDSL-linked demat account may be available through the concerned DP or broker's online platform. The exact process depends on the DP. If the facility is not available online, the DP may provide it through another request channel.
In the context of a demat account, CMR stands for Client Master Report. It is a record containing registered details associated with the demat account, such as account identifiers and other client information, depending on the format used by the DP.
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