What is a Demat Account Holding Statement

A Demat account holds your shares and securities electronically, making trading and portfolio management easier. However, monitoring your holdings is key, and that’s where a Demat account holding statement comes in. This article explains what it is, how to read it, its importance, and how to access it online.

A Demat account holding statement is a summary of all securities held in your Demat account, including equities, bonds, ETFs, and mutual funds. Issued by depository participants, it provides a snapshot of your investments, typically generated monthly or on request.

The holding statement is more than just a record. It serves various crucial purposes:

• Tracking Investments: It helps you view all your securities in one place.
  

• Portfolio Management: Enables you to analyse asset distribution and make informed decisions.
  

• Verification: Helps verify if trades have been executed correctly and shares are credited.
  

• Tax Reporting: Useful for income tax filings and calculating capital gains or losses.
  

• Loan Collateral: Some banks may ask for it if you pledge shares for a loan.
  

Your Demat holding statement usually includes the following key details:

You can access your holding statement through the following methods:

From Depository Participants (DPs)

Most brokers offer monthly holding statements via email. You can also log in to their platforms (website or app) to download it manually.

Through NSDL or CDSL

India has two main depositories — NSDL (National Securities Depository Limited) and CDSL (Central Depository Services Limited).

• CDSL users can access their holdings through the CDSL Easi or Easiest portal:
  Visit: https://www.cdslindia.com
  

  • Register with your PAN and DP details
    

  • Navigate to ‘Holding Statement’
    

• NSDL users can access the NSDL IDeAS portal:
  Visit: https://www.nsdl.co.in
  

  • Login with credentials or register as a new user
    

  • View or download the statement under the 'Holdings' tab

Some depositories also provide consolidated account statements (CAS) combining all Demat and mutual fund holdings across platforms.

The holding statement is typically issued monthly or on request, with a consolidated statement provided every six months. If there’s no activity, no monthly statement may be issued. It’s important to regularly check your holdings, especially after trades or corporate benefits like dividends.

It is easy to confuse a holding statement with a transaction statement. Here is how they differ:

Both are essential to maintain transparency and control over your investment records.

Reading a holding statement is simple once you understand the headings. Here are a few things to keep in mind:

• ISIN: Each security has a unique ISIN that helps avoid confusion.
  

• Quantity Held vs. Free Balance: Always check that your free balance reflects the expected number of shares.
  

• Pledged Shares: Indicates if you've used securities as collateral.
  

• Market Value: This changes daily based on share prices. It’s ideal for estimating your portfolio’s current worth.
  

Demat holdings are securely managed under SEBI's supervision, with DPs ensuring transparency and data protection. You can access your statement online anytime, and it's recommended to store a copy for recordkeeping.

• Not checking after trades: Always confirm that bought/sold securities are reflected correctly.
  

• Ignoring locked-in shares: These may not be available for trading until the lock-in period ends.
  

• Missing pledged shares: Ensure pledged shares are released after loan repayment.
  

• Using outdated statements: Always refer to the latest document for accurate information.

 

A Demat account holding statement provides a clear view of your investments, helping with financial decisions, trade verification, and tax compliance. Regularly checking it ensures accuracy and keeps your records updated.

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.