What six apps hide.
What one statement shows.
Same Rs 8L book. Six funds across three platforms. The consolidated view changes three numbers.
| The read |
Six separate apps |
One CAS |
| Overlap | Six diversified bets | 62% of weight in the same 12 stocks |
| Cost | No rupee figure shown | Rs 12800 a year on a 1.6% blended TER |
| Asset mix | Reads as 100% equity | Rs 72000 quietly in debt (two hybrids) |
A CAS is your Consolidated Account Statement. Free, SEBI mandated, every folio on your PAN in one place. CAMS and KFintech cover the funds. NSDL and CDSL add the demat side. You can pull it today. Most people never have.