How to Download a Mutual Fund Capital Gains Statement Online

Placing a redemption request may take only a few minutes. Reconstructing the transaction at tax time should not take hours.

A mutual fund capital gains statement brings the relevant purchase and redemption details together, helping you review the gains or losses realised during a selected period. Keep it handy while preparing your income tax return, checking past transactions or speaking with your tax adviser.

What is a mutual fund capital gains statement?

A mutual fund capital gains statement is a record of the gains and losses calculated on mutual fund units that were transferred during a chosen period. For most retail investors, the relevant transactions are redemptions and switches. A purchase, including an SIP instalment, does not create a capital gain by itself.

Some portals use the label mutual fund capital gain statement or capital gain and loss statement for the same type of record.

The statement uses transaction data such as the purchase date, purchase cost, redemption date, redemption value and holding period. It then groups realised results into short-term capital gains, long-term capital gains, short-term capital losses or long-term capital losses, as applicable.

Think of it as a tax-time working paper. It makes the numbers easier to review, but it is not a tax return or a certificate of the final tax payable.

What does the statement usually show?

The format can vary across AMCs and registrar and transfer agents, but an MF capital gains statement commonly includes:

• Investor name, PAN and folio number
• Scheme name and plan
• Purchase and redemption dates
• Number of units redeemed
• Cost of acquisition and redemption value
• Realised gain or loss
• Short-term or long-term classification
• Transaction-wise and scheme-wise totals

Only realised gains and losses are generally included. An increase or decrease in the value of units that you still hold is an unrealised movement and does not ordinarily appear as a realised capital gain or loss.

Why this statement matters

Good records do more than make filing easier. They let you see what actually happened when units were sold. The statement can help you:

• Prepare the capital gains schedules in your income tax return
• Separate short-term and long-term transactions
• Review gains and losses across schemes and folios
• Reconcile redemptions and switches with your account records
• Share organised transaction information with a chartered accountant or tax adviser

It can also help identify missing folios, an incorrect reporting period or a transaction that needs a closer look. Finding such gaps before filing is considerably easier than resolving them later.

How capital gains on mutual funds are taxed

Capital gains tax may arise when mutual fund units are transferred, including through a redemption or a switch from one scheme to another. The applicable treatment depends on the fund’s tax classification, the acquisition and transfer dates, the holding period, the investor’s tax status and whether the relevant statutory conditions are met.

The following is a concise view of the rules generally applicable to transfers made on or after 23 July 2024:

Fund classification	Short-term treatment	Long-term treatment
Equity-oriented mutual funds	Units held for 12 months or less are generally taxed at 20%, subject to applicable conditions, including the relevant securities transaction tax requirements.	Units held for more than 12 months are generally taxed at 12.5% on aggregate eligible long-term gains exceeding Rs. 1.25 lakh in a tax year, subject to applicable conditions.
Specified mutual funds covered by the special tax provision	Gains on applicable units acquired on or after 1 April 2023 are generally treated as short-term, irrespective of the holding period, and taxed at the investor’s applicable rate.	Not applicable where the special provision treats the gain as short-term.
Other listed mutual fund units not covered above	Units held for 12 months or less are generally taxed at the investor’s applicable rate.	Units held for more than 12 months are generally taxed at 12.5% without indexation.
Other unlisted mutual fund units not covered above	Units held for 24 months or less are generally taxed at the investor’s applicable rate.	Units held for more than 24 months are generally taxed at 12.5% without indexation.

Applicable surcharge and health and education cess may be added. Hybrid funds and fund of funds are taxed according to their tax classification and portfolio composition, rather than only the category name used to describe the scheme.

Tax rules can depend on the transaction date and the investor’s circumstances. Investors may wish to consult a qualified tax adviser before filing their return.

For a closer look at equity-fund holding periods, read about LTCG.

Source: Income Tax Department, Government of India, capital-gains rates and holding periods, and Income-tax Act, 2025, Sections 76 and 196–198.

How to download a capital gains statement

There is more than one way to get the document. The right route depends on the fund house and the registrar servicing your folio.

Through the Bajaj AMC investor portal

You can access Bajaj AMC’s investor servicing platform using your PAN and registered details:

1. Log in using your OTP and PIN, or register if you are a new user
2. After logging in, select Account and Settings
3. Click Reports and Statements
4. Choose Capital Gain/Loss Statement from the statement options
5. Select the required folio from the dropdown menu
6. Choose Current Financial Year or enter a custom date range
7. Click Send on Email
8. Your capital gain/loss statement will be generated and sent to your registered email address

If the option is not visible, use KFintech’s dedicated Capital Gain/Loss Statement facility or contact Bajaj AMC investor services.

Through KFintech

KFintech is the registrar and transfer agent for Bajaj Finserv Mutual Fund. Its Capital Gain / Loss Statement page allows you to select a period, enter your registered email address and PAN, choose the mutual fund and request the statement in PDF or Excel format.

You will also be asked to create a password for the statement and complete a security check. Use a password that meets the requirements shown on the portal and store it securely until you have opened the file.

Source: KFintech Capital Gain/Loss Statement facility.

If you invest across several fund houses

Different AMCs may be serviced by different registrars. You may therefore need statements from more than one registrar or fund house to cover every folio. Check that the final set includes all PAN-linked investments and the complete financial year before using it for tax preparation.

A consolidated account statement can provide a combined view of mutual fund transactions and, where applicable, securities held in demat accounts. However, it does not generally provide the same tax-oriented gain or loss calculation as a capital gains statement.

Source: SEBI Investor guidance on Consolidated Account Statements.

Before you make a request

A minute of preparation can prevent the most common access problems. Keep these details ready:

• PAN associated with the folio
• Email address or mobile number registered with the investment
• Relevant financial year or custom date range
• Folio number, if the portal asks for it
• Access to the registered inbox for OTPs or statement delivery

Use only the official AMC, RTA or authorised investor-service portal. Avoid entering your PAN, OTP or statement password on links received from an unverified source.

How to read your statement accurately

Start with the period. A statement for the wrong financial year can look complete while still omitting the transactions you need.

Next, check the investor name, PAN, folio and scheme. Then review each redemption or switch against your transaction records. Mutual fund units are generally matched using the applicable cost-allocation method, commonly first in, first out, so the units purchased earliest may be treated as redeemed first. Each SIP instalment has its own purchase date and cost.

Pay particular attention to these labels:

• Sale or redemption value: The value attributed to the units transferred
• Cost of acquisition: The cost assigned to those units under the applicable rules
• Holding period: The time between acquisition and transfer used for tax classification
• Realised gain or loss: The difference calculated for the transferred units
• STCG or LTCG: The statement’s classification of a gain as short-term or long-term

If a transaction appears missing or a figure differs from your records, check whether you selected the correct PAN, folio and period. You can then contact the AMC or RTA before relying on the statement.

Access your Bajaj Finserv Mutual Fund records with ease

Keeping track of your investments is easier when your records are readily available. Through the Bajaj AMC investor portal, you can access your account and request a capital gain/loss statement using your registered details. You can also request the statement through KFintech’s dedicated facility for serviced folios.

With your transaction records in one place, you can review your investments, prepare for tax filing and assess whether your portfolio continues to reflect your goals. You can also explore Bajaj AMC’s range of mutual fund schemes to find options aligned with your investment horizon and risk appetite.

Conclusion

A capital gains statement turns a year of redemption and switch activity into one organised view. Download it after the financial year ends, check that every relevant folio and transaction is included, and keep it with your other tax records. A small amount of checking now can make the filing process far more manageable.

FAQs

How can I download a capital gains statement for mutual funds online?

You can download or request a capital gains statement through your AMC or its registrar and transfer agent (RTA). For Bajaj Finserv Mutual Fund investments, visit KFintech’s Capital Gain/Loss Statement page, select the period and fund, enter your registered email address and PAN, and choose the required statement format.

What is the difference between a CAS and a capital gains statement?

A consolidated account statement (CAS) summarises your mutual fund holdings and transactions across covered folios. A capital gains statement focuses on redeemed or switched units and shows the realised gains or losses for the selected period.

Does a capital gains statement include both gains and losses?

Yes, a capital gain/loss statement generally includes both realised gains and realised losses for the selected period and covered folios. Review the date range and fund coverage to confirm that all relevant transactions are included.

How often should I download my capital gains statement?

There is no fixed download frequency, but investors who redeemed or switched mutual fund units should obtain the statement after the end of the financial year. Download an updated copy before filing your income tax return if any transactions have since been corrected or added.

Is a capital gains statement required for filing an ITR?

No, a capital gains statement is generally not submitted as an attachment with the income tax return. It is a supporting document that can help you report short-term and long-term capital gains or losses in the applicable ITR schedule. Check the statement against your transaction records and reconcile the reported redemption information with your Annual Information Statement (AIS). AIS contains information available to the Income Tax Department, but it should not be treated as a substitute for calculating the applicable capital gain or loss.

Source: Income Tax Department, Government of India, ITR-2 guidance for Schedule CG and AIS guidance.