How to Check Mutual Fund Status with Folio Number?

What is a Folio Number in a Mutual Fund?

A folio number is a unique code that an Asset Management Company (AMC) gives users when they start investing in mutual funds. This number functions like a bank account number, as a reference for recording all assets, transactions, and returns. As per AMFI data & July 2025 updates, India’s mutual fund folios rose to 24.57 crore in July 2025.

A folio number is issued by each AMC and is linked to the investor’s account with that AMC. While folios are AMC-specific, PAN and KYC details allow consolidation of multiple folios within the same AMC. This number is used as a starting place for all transactions with that AMC.

So, an investor may hold multiple folio numbers, typically in the following scenarios:

• Different AMCs: Each Asset Management Company (AMC) provides a unique folio number to every investor’s account.

• Segregation of Goals: Investors may maintain different folios for retirement, education, or short-term savings.

• Joint vs Individual Holdings: Separate folios are created for individual and joint accounts.

• Tax Planning: Different folios may help investors manage taxation and reporting more efficiently.

Key Features of a Folio Number

Below are some of its key features that highlight its role in simplifying portfolio tracking and record-keeping:

• Unique Identifier: Each investor's account has a unique code of letters and numbers. 

• AMC-Specific: Folio numbers are unique to each AMC; each gives its own. When an investor puts money into a new AMC, they will get a new folio. 

• Simplified KYC: Prevents duplication of KYC within the same AMC since the folio is already linked to PAN.

• Multiple Schemes Under One Folio: A user can use the same folio number for more than one scheme within the same AMC. 

• Flexibility of Multiple Folios: Holding multiple folios allows investors to track different goals. Investors can hold multiple folios even within the same AMC. 

• Consolidation Option: If an investor has more than one folio in the same AMC, they can be merged into a single folio to make tracking easy.

How to Find Your Folio Number?

The process to check folio number online is straightforward, and investors can retrieve it through multiple channels:

How to Check Mutual Fund Status Using Folio Number?

Your folio number serves as a unique identifier for your mutual fund investments. You can check your mutual fund status using this number through several methods:

1. Folio Number Check Online via AMC Website or App:

   • Visit the official website or mobile application of your Asset Management Company (AMC).

   • Access information on transaction history, fund balance, and other relevant details.

2. Folio Number Check Through AMC Customer Care:

   • Contact the AMC’s office via phone, email, or in person.

   • Provide the necessary verification details to obtain your mutual fund folio status.

3. Folio Number Check Registrar’s Website:

   • On registrar websites (CAMS or KFintech), investors can register using PAN, mobile number, and registered email.

   • Access folio-wise mutual fund information and account details.

4. Folio Number Check Through Broker:

   • If you invested via a broker, contact them for updates on your mutual fund status.

   • Brokers can provide real-time information regarding your investments.

5. Folio Number Check via Consolidated Account Statement (CAS):

   • Investors holding a demat account receive consolidated account statements from CDSL or NSDL.

   • These statements, delivered via email, provide folio-wise mutual fund performance and holding details.

Why is the Folio Number Important for Investors?

A folio number uniquely identifies an investor’s mutual fund holdings with an AMC. Here’s how it simplifies portfolio management, enables transactions, and ensures regulatory compliance:

• Portfolio Tracking: Investors can keep track of all their investments in different plans within the same Asset Management Company (AMC) by using a folio number. Instead of keeping different records for each scheme, the folio number connects all the records so that you can see the whole portfolio simultaneously.

• Effective Monitoring: A folio number makes it easy for investors to track how their mutual funds are doing and their current state. The folio is the most important thing to look at when seeing NAV updates, returns, or transaction information.

• Transfer Reference: The folio number is needed to do things with investments like redeeming investments, making new purchases, switching between plans, and starting or changing Systematic Investment Plans (SIPs).

• Integrated Recordkeeping: A folio number keeps track of an investor's transactions with the AMC, similar to how a bank passbook keeps track of all your transactions in one place. This makes it easy and organised to keep records.

• Compliance with Regulations: Folio numbers are tied to an investor's Permanent Account Number (PAN), ensuring that SEBI's Know Your Customer (KYC) rules are followed. This makes things clearer and safer.

Key Takeaways

The folio number constitutes the foundation of mutual fund record-keeping, functioning as a unique identifier for each investor. It simplifies portfolio tracking, ensures regulatory compliance, and makes investment management seamless. With more than 24.5 crore mutual fund folios in India, this system has enabled millions of investors to participate confidently in the financial markets.

For investors, understanding their folio number and using it effectively is essential for efficient wealth management. To put your folio number to work and begin building long-term wealth, you can start SIP in the best mutual funds in India.