By Bhrugu Thakkar · Real Value (ARN 24454) · September 2026 · 6 min read
Short answer: Download your mutual fund capital gains statement free from CAMS or KFintech (or a consolidated pull via MF Central) using your PAN and registered email. It lists every redemption, the cost, the gain, and whether it's short-term or long-term — exactly what you need to fill Schedule CG in your ITR.
If you sold or switched any mutual fund units this year, that's a taxable event — even switches between two schemes count as a redemption + purchase. The capital gains statement is the one document that turns a messy year of transactions into clean, reportable numbers. Here's how to get it and read it correctly.
What the statement actually contains
Column
What it means
Folio / Scheme name
Which fund and account the transaction belongs to
Purchase date & NAV
Used to compute your cost and holding period
Redemption date & NAV
The exit transaction that triggered the gain
Units & amount
Quantity redeemed and total value
Gain/loss
Redemption value minus cost (with grandfathering adjustment for pre-2018 equity holdings)
Short-term / Long-term
Based on holding period — determines which tax rate applies
Where to download it
CAMS (camsonline.com) — covers a large share of AMCs. Go to Statements → Capital Gain/Loss Statement, enter PAN and folio email, select the financial year.
KFintech (mfsonline.kfintech.com) — same process, for the AMCs it services. Many investors need both CAMS and KFintech to get the full picture.
MF Central (mfcentral.com) — a single consolidated statement across both RTAs, useful if your folios are scattered across several AMCs over the years.
Your distributor/NJ Wealth login — if you invest through Real Value, your dashboard can generate or point you to this statement directly, saving the RTA hunting.
The statement usually arrives as a password-protected PDF (password is typically your PAN in a specific case format — the email will tell you) or can be viewed directly online and exported to Excel.
How to use it while filing ITR
Separate the statement into equity (STCG taxed at 20%, LTCG above ₹1.25 lakh/year taxed at 12.5%) and debt (taxed at your slab rate as per current rules) categories.
Total the short-term and long-term gains/losses for each category.
Enter these totals in Schedule CG of your ITR — the utility or portal will ask for exactly this breakup.
If you have losses, they can be set off or carried forward — don't skip reporting a loss year just because there's no tax due; you may need it to offset future gains.
Cross-check the statement's grandfathered cost (for equity units bought before 31 Jan 2018) — this affects the LTCG calculation and is usually applied automatically in the RTA statement.
Common mistakes to avoid
Ignoring switches — a switch from one scheme to another is a redemption for tax purposes, even though no money left your bank account.
Forgetting SIP-wise FIFO — each SIP instalment has its own purchase date, so a single redemption can contain a mix of short-term and long-term units. The RTA statement already does this FIFO math for you; don't try to average it manually.
Using only one RTA's statement when your funds are spread across both CAMS and KFintech AMCs.
Not reconciling the statement against your bank credit — small NAV or STT adjustments can cause tiny mismatches; check before filing.
You don't need to reconstruct your capital gains by hand from account statements. The RTA-generated capital gains statement is built specifically for ITR filing — accurate holding periods, grandfathering, and FIFO already applied. Download it early in the tax season, cross-check the categories, and filing Schedule CG becomes a copy-paste exercise rather than a headache.
Need help pulling your capital gains numbers together?
We can help you get the right statements and understand what they mean for your filing.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Educational content, not personalised advice. Real Value — AMFI Registered Mutual Fund Distributor, ARN 24454.