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Overview of what a Client Master Report (CMR) is, how it can be accessed, and what information it records for a demat account.
A Client Master Report (CMR), also referred to as a Client Master List, is a document issued by a Depository Participant (DP) that records the registered details of a demat account. It reflects the information maintained with the depository, either CDSL or NSDL, at a specific point in time.
In practical terms, CMR report meaning refers to a consolidated snapshot of demat account metadata rather than transaction activity or live holdings. The document is commonly used wherever verified demat account details are required.
The CMR typically captures:
Registered personal details such as name, date of birth, PAN, and contact information
Demat account identifiers, including DP ID and Client ID (BO ID)
Linked bank account details used for settlements
Nominee details, if registered
Account status and KYC confirmation
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.
A typical CMR contains the following details:
| Component | Description |
|---|---|
Personal Details |
Name, address, date of birth, PAN, contact information |
Demat Account Info |
DP ID, Client ID, account status, type of holdings |
Bank Account Details |
Bank account registered for settlements |
Nominee Information |
Nominee details, if applicable |
KYC Status |
KYC verification status with the depository |
The CMR is usually digitally signed by the Depository Participant and provided in PDF format. Some investors may request a physical copy, though digital copies are more common and efficient.
A Client Master Report may be requested from the Depository Participant (DP) with whom the demat account is maintained. Depository Participants are required to provide access to client master details as part of regulatory transparency and record-keeping obligations.
CMR access is generally made available through digital channels, such as the DP’s online portal or mobile application, where the report is issued in a digitally signed PDF format. Some Depository Participants also provide the report through email-based requests or customer support channels.
In cases where digital access is unavailable or not enabled, the report may be requested through offline channels, including written communication or in-person requests at the DP’s branch office. The mode of delivery, format, and processing timelines may vary across Depository Participants, based on their internal processes.
Any changes to the availability or request mechanism of the CMR are determined by the respective Depository Participant and are subject to applicable regulatory guidelines.
The Client Master Report is maintained as part of the regulatory record-keeping framework governing demat accounts. Depository Participants are required to maintain accurate client master data and make it accessible to account holders on request.
From a regulatory perspective, the client master list supports:
KYC verification and compliance tracking
Accurate processing of corporate actions
Verification of account details during off-market transfers
Consistency between broker records and depository records
The document functions as a reference record rather than a transactional statement.
A Client Master Report (CMR) is a document generated by a depository participant that 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 are used during activities such as off-market share transfers, demat account migration between depository participants, and account closure or modification requests, where confirmation of the existing account structure is required.
Confirmation of linked credentials
The report reflects the bank and contact details mapped to the demat account, allowing different intermediaries to check alignment between their records and the depository system.
Supporting documentation for operational or regulatory requirements
In certain situations, 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 maintained within the depository framework, supporting verification and administrative processes without reflecting market activity or portfolio values.
Depository Participants provide CMR access through digital and offline methods.
Most Depository Participants allow account holders to access or request their CMR report through broker or DP portals. The exact steps vary by platform and may change over time.
Visit the demat or broker platform linked to the account.
Open the Account, Profile, or Documents section.
Look for 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 is provided by the platform.
The exact navigation labels and availability may vary based on the depository participant and the interface used
A Client Master Report can also be requested by contacting the DP through:
Branch visit
Email or written request
Customer support channels
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
Corrections are handled by the DP based on supporting documentation
Escalation may be made through the DP’s grievance mechanism if required
A Client Master Report (CMR) contains a consolidated snapshot of the key details registered against a demat account with the depository. The information reflected in a CMR is account-specific and is sourced directly from depository records.
A typical CMR copy includes the following categories of information:
Demat account identification details
This includes the Beneficial Owner ID (BO ID), depository name (CDSL or NSDL), and the associated depository participant (DP).
Account holder particulars
The report lists the name(s) of the account holder(s), account holding pattern (single, joint, or anyone/survivor), and PAN details as registered.
Contact information
Registered mobile number, email address, and correspondence address linked to the demat account are displayed for reference.
Bank account linkage
Details of the bank account mapped to the demat account, such as bank name, branch, and account number (partially masked), are included for verification purposes.
Nomination status
The CMR indicates whether a nomination has been registered and, where applicable, reflects nominee-related details as per depository records.
Account status and configuration
Information such as account opening date, freeze status (if any), and basic operational flags may be shown depending on the depository format.
The CMR 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.
A Client Master Report provides a consolidated record of demat account details as maintained with the depository through the Depository Participant. It is used for verification, compliance, and documentation purposes across multiple account-related processes. Access to a current CMR enables consistency between recorded and registered demat information.
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.
A Client Master Report (CMR) is 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 issued to provide a verified record of a demat account holder’s registered details as maintained by the Depository Participant. It is referenced for regulatory, administrative, and account-verification purposes.
A Client Master Report can be obtained through the broker’s trading platform, the depository participant’s portal, or by requesting it directly from the DP.
Digital copies of the CMR are typically provided without charge by Depository Participants. Charges, if any, may apply for physical copies based on the DP’s tariff schedule.
There is no prescribed or regulatory frequency for reviewing a Client Master Report. It is typically accessed when account details need to be referenced or verified.
Any discrepancies in personal or account details recorded in the CMR are addressed through the Depository Participant, as 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 digitally signed Client Master Report issued by a Depository Participant, containing the registered personal, bank, and demat account details of the account holder.
The CMR primarily records registered accounts and personal details. It does not provide a current holdings balance, though limited references to off-market transactions may appear depending on the DP format.
Digital CMR copies are often made available immediately or within a short processing window. Physical copies, where requested, may take several business days depending on the DP.
A Client Master Report identifies a demat account using the Beneficial Owner ID (BO ID), along with the depository name and DP details.
A Client Master List (CML) can be downloaded from the broker or depository participant’s online platform where demat account services are provided.
For CDSL-linked demat accounts, the client master list is made available through the broker or DP interface that retrieves data from CDSL’s depository records.
The Client Master Report is generated by the depository participant based on data maintained with the depository (CDSL or NSDL).
A Client Master Report is system-generated and does not require completion by the account holder; it reflects demat account details already recorded with the depository.
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