How to Read a Demat Account Holding Statement: ISINs, Balances and What to Verify

A demat holding statement lists every security in your demat account by ISIN, quantity, free and locked balance. It is different from a transaction statement and an e-CAS. Last checked: August 2026.

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What a Demat Holding Statement Contains

A demat holding statement includes specific fields for each security held.

Field in demat holding statement	What it shows	What to check
DP ID and Client ID	Your unique depository participant and account identifier	Ensure these match your account number
ISIN	12-character International Securities Identification Number	Each ISIN should correspond to a real holding you recognise
Scrip name	Company or security name	Verify the name matches the ISIN
Free balance	Shares available for delivery/sale	Should match your unsold, unpledged holdings
Pledged balance	Shares under a pledge or margin collateral arrangement	Should only exist if you have pledged shares intentionally
Locked-in balance	Shares restricted by lock-in period (ESOP, IPO lock-in)	Understand when the lock-in expires
Face value	Nominal value of each share	Useful for tracking stock splits in the demat holding statement
Statement date	Date as of which the demat holding statement is generated	Always check the statement date to ensure it is current

this document vs Transaction Statement: Key Differences

The demat holding statement is often confused with the transaction statement. The this document is a snapshot of current holdings (what you own today). The transaction statement is a historical record of all debits and credits to the account (what happened over a period). Both are essential but serve different purposes.

Use the demat holding statement to verify current portfolio composition. Use the transaction statement to verify that all historical trades settled correctly. Your e-CAS from NSDL or CDSL is a third document that consolidates your this document and mutual fund folio data across all PAN-linked accounts.

How to Download Your this document

To download your demat holding statement, follow these steps.

1. Log in to your DP’s official portal (for NSDL-linked accounts, use the NSDL CAS portal) using your registered credentials.
2. Navigate to ‘Statements’ or ‘Holdings’ and select ‘Holding Statement’ or equivalent.
3. Choose the statement date (current date for a live demat holding statement or a past date for a historical snapshot).
4. Download the demat holding statement in PDF or CSV format.
5. Verify the statement date and ensure all fields are as expected.
6. If you receive the demat holding statement by email, open the PDF using your PAN followed by your date of birth in DDMMYYYY format as the password (standard for depository documents).

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What to Check in Your this document After a Trade

After every buy transaction, check your demat holding statement within T+1 days to confirm the quantity has been credited under the correct ISIN. After every sell transaction, verify the this document shows the correct reduction in free balance.

If a security appears in your this document that you did not purchase, contact your DP immediately. An unexpected credit in the this document could indicate an off-market transfer from an unknown party, which is a potential fraud signal. Similarly, if your this document shows a debit you did not authorise, report it urgently.

Checking for Discrepancies in the this document Before Corporate Actions

Before every major corporate action record date (bonus issue, rights issue, buyback), download your this document and confirm that your holdings are correctly reflected. The entitlement for corporate actions is calculated based on holdings as of the record date end of day.

A discrepancy in the this document immediately before a record date can mean you miss out on your entitlement. This is particularly critical for rights issues, where you must have the correct quantity in your this document to apply for or renounce rights in time.

Accessing Your this document Through Univest

Univest is a SEBI-registered platform (SEBI RA Reg. No. INH000013776) linked to NSDL. Your this document for a Univest account is accessible through the Univest app’s holdings section or through the NSDL CAS portal using your NSDL credentials. For a downloadable this document, access the NSDL CAS system directly.

If you find any discrepancy in your this document at Univest, contact Univest support at univest.in with the ISIN, quantity and statement date. Univest’s support team will coordinate with NSDL to verify and correct the discrepancy.

Conclusion

A this document is the most direct record of what you own in your demat account. Read it after every trade, before every corporate action record date and at least monthly as a general portfolio hygiene practice. The this document is your first line of verification that all your transactions have settled correctly and that no unauthorised activity has occurred in your account.

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Frequently Asked Questions

What is a demat holding statement?

Ans. A this document is an official document from your DP showing your current securities holdings by ISIN, scrip name, quantity, free balance and locked balance. It is a snapshot of what you own in your demat account on the statement date. The this document differs from the transaction statement, which shows historical movements.

How do I get my demat holding statement?

Ans. Download your this document by logging in to your DP’s portal (such as NSDL CAS for NSDL accounts), navigating to the statements section and selecting holding statement. Choose the statement date and download as PDF or CSV. You can also receive a physical this document annually from your DP.

What is the free balance in a this document?

Ans. The free balance in a this document is the quantity of a security you can sell or transfer. Shares that are pledged, locked in (ESOP, IPO lock-in) or under settlement appear as restricted balance in the this document. Only the free balance is available for delivery against a sell order.

How is a this document different from a transaction statement?

Ans. A this document shows what you currently own (a snapshot). A transaction statement shows all historical movements (debits and credits) over a period. Both are important: use the this document to verify current holdings and the transaction statement to verify trade settlement history.

How often should I check my this document?

Ans. Check your this document after every buy or sell trade to verify settlement. Download a this document before every major corporate action record date to confirm your entitlement. As a general practice, review the this document at least once a month to catch any unauthorised activity early.

What if my this document shows shares I did not buy?

Ans. If your this document shows securities you did not purchase or authorise, contact your DP immediately. An unexpected credit in the this document may indicate an off-market transfer from an unknown party, which is a potential fraud signal. Freeze your demat account immediately and report the issue to your DP and to SEBI’s SCORES portal.