How to Open CDSL Demat Statement PDF Password?

Before we get into the password bit, let us quickly understand what you are trying to open. The Consolidated Account Statement (CAS) is issued by CDSL. It shows:

• All your demat holdings across CDSL and NSDL
• Mutual fund units held in SOA (Statement of Account) form
• Every transaction during that period

You get this CAS every month if there are any transactions in your demat or mutual fund accounts. If nothing moved, you get it once every six months.

The CDSL CAS PDF is password-protected for security. The password combines your PAN and date of birth.

ABCDE1234F15081990

Keep your PAN in UPPERCASE. DOB in DDMMYYYY with no spaces, slashes, or special characters.

1. Download the CAS PDF from your email

1. Open it with Adobe Acrobat Reader or any PDF viewer

1. When it asks for a password, enter: [Your PAN][Your DOB in DDMMYYYY]

1. Your statement opens up

1. Go to cdslindia.com/cas/logincas.aspx

1. Enter your PAN (uppercase)

1. Enter your 16-digit BO ID (that is your demat account number)

1. Enter your date of birth

1. Fill the CAPTCHA and hit Submit

1. Enter the OTP sent to your registered mobile or email

1. Click "Download CAS" and pick the period you want

1. Open the PDF and enter: [Your PAN][Your DOB in DDMMYYYY]

1. Log in to DigiLocker

1. Search for "CDSL" under Search Documents

1. Click "Consolidated Account Statement"

1. Enter your 16-digit demat ID and PAN

1. Click Get Document

1. Open the PDF and use the same password

The most common headache. Try these:

• PAN must be UPPERCASE (ABCDE1234F, not abcde1234f)
• DOB must be DDMMYYYY (15081990, not 15-08-1990 or 150890)
• If your DOB is 05-01-1990, try 05011990
• Some older CAS PDFs use only PAN + DDMM (without year). Try ABCDE1234F0501

Tired of the PDF password dance? Register for CDSL Easi and view everything online:

1. Go to web.cdslindia.com/myeasitoken/Home/EasiRegistration

1. Use [Your PAN][Your DOB in DDMM] as the registration password (like ABCDE1234F1508)

1. Set a username and password for future access

1. Log in anytime to see your holdings

Here is a detail worth knowing before you keep retyping. CDSL's CAS FAQ describes the eCAS/e-statement as a password-protected PDF and states the rule directly: the investor enters the PAN of the first or sole demat account holder, in CAPITAL letters, as the password to open it. That is the PAN alone — no date of birth appended — for the statement copies issued through CDSL's own channels.

PDFs in circulation use both conventions: many emailed CAS copies open with PAN + DOB (DDMMYYYY), and the CDSL-issued e-statement opens with the PAN in capitals. The covering email tells you which applies, so read the mail body before the third failed attempt. In every case, the PAN is the first or sole holder's — a second holder's PAN never opens the file.

The CAS is built top-down, and the layout repeats every month:

• Consolidated holdings — every demat account under your PAN with its BO ID and current value
• Scheme or ISIN detail — quantity, cost and market value for shares, ETFs, bonds and SGBs
• Mutual fund folios — units held in Statement of Account form, outside demat
• Period transactions — debits, credits, corporate actions, in date order

Two quick checks each month: scan the transaction list for any debit you did not initiate, and confirm the email and mobile shown in the statement are still yours. Outdated contact details are how people silently stop receiving the CAS months later.

That last row is the one that wastes the most time. The CAS portal verifies you against records your depository participant holds, so a SIM change or an old email ID blocks the download before a password is even asked for.

On the phone, the failure point is usually the viewer. Gmail's preview and chat-app previews often refuse password-protected PDFs without a clear error. Install Adobe Acrobat Reader, use Open with on the attachment, and type the key there. On a laptop, save the attachment to disk before opening it — files opened straight from the browser's download bar occasionally render half-formed. Desktop Acrobat also shows the digital signature once the file opens, confirming the statement genuinely came from CDSL.

Copy the PAN rather than typing it. One transposed character in a ten-character string is the most common self-inflicted failure, and the prompt never tells you which character is wrong.

Depositories revise statement formats and delivery rules periodically. When a password that worked for months stops working on a new copy:

• Re-read the covering email — CDSL prints the password hint in the mail, and that hint outranks any guide, including this one
• Note which channel delivered the file — email-cycle copies and portal downloads have used different conventions
• Confirm the copy is freshly downloaded; forwarded files fail for reasons unrelated to the password
• If contact details changed recently, update them with your DP before blaming the password

The CAS portal login asks for three fields — PAN, the 16-digit BO ID and date of birth — and people mix them up. The BO ID is your demat account number, 16 digits long; your broker's app shows it under account details. The PAN opens the PDF; the BO ID is only for the login. Entering the BO ID in the password box, or the PAN in the BO ID field, fails both places at once and looks exactly like a broken portal. Slow down once, match each number to its box, and the login works on the first try.

Loan applications, visa files and some KYC updates ask for proof of holdings, and the CAS covers everything under the PAN in one signed PDF — often accepted where a broker screenshot is not. Archive each month's copy in a dated folder; the day someone asks for six months of holdings proof, you will have it without a single password hunt. If some of your portfolio sits with an NSDL-registered DP, the NSDL statement password guide covers that depository's format.

Getting locked out of your own financial statement is frustrating. But most of the time, the password is just your PAN and birth date put together. Bookmark this guide for the next time your CAS shows up. It will save you the headache.

Got questions? Drop them in the comments.

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Disclaimer: This is for educational purposes only. Rates and procedures can change. Verify directly with CDSL for the latest info. Consult a qualified financial advisor for personalized advice.