Computer Age Management Services (CAMS) is a SEBI-registered Registrar & Transfer (R&T) Agency that provides technology-enabled solutions to investors and mutual fund companies alike.

This article covers the following:

  1. How does CAMS work?
  2. CAMS Service Cycle
  3. Features & Benefits of CAMS
  4. CAMS Registration Process


1. How does CAMS work?

It stands for Computer Age Management Services and is. HDFC Group, National Stock Exchange, and Acsys Investments Pvt. Ltd. collectively owns the agency.

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CAMS collaborates with fund houses to build a user-friendly service delivery model to investors. myCAMS is their online portal and investors rely on it for ‘mailback services’ to obtain mutual fund statements. You can easily retrieve the statements by providing your PAN and registered email-id. You can access the performance metrics and analytics of all the schemes by different asset management companies (AMC) serviced by them. ‘Realised gains statement’ that sheds light on STCG and LTCG taxes is another popular service, investors usually avail.


2. CAMS Service Cycle

CAMSonline is not just a B2B partner serving fund managers and distributors. They also reach the end-consumers through a nation-wide network of service centers and online portals. More than 60% of the current mutual fund assets of the country are served by CAMS. They do not have any legal authorization to offer mutual fund recommendations or even distribution. However, they offer a slew of services to AMC as well as investors as listed below.

a. Setting up an account

b. Processing transactions

c. Data management

d. Customer service

e. Risk assessment & management

f. Commission administration

g. Other value-added services


3. Features & Benefits of CAMS 

a. Quality

CAMS is an ISO 9001:2008; certified establishment and follows a stringent quality check policy. Boasting of 6 sigma levels of quality, they set up 50 lakhs accounts annually.


b. Transfer Agency Services

Responsibilities of active mutual fund companies include: processing the transactions, mapping the trends, giving customer support when required, and managing the overall fund. CAMS takes the bulk of the burden by providing technical support to make these tasks quick and easy.


c. Risk Management

CAMSonline follows a self-determining risk management method, supervised by specialists. For example, every possible operative risk is managed regularly with customized software to steady outcomes.


d. Access

CAMS covers more than 250 locations and is expanding steadily. Their high reach has helped manufacturers to reduce expenditures, which eliminates the need to create or spend on in-house infrastructure. CAMS service centers are the place to get these infrastructure installed and to avail maintenance service after purchase.


e. Strong web presence

Currently, they use an online order-routing method called FinNet to avail orders from places that don’t have CAMS service centers.


f. Cutting-edge Technology

With locally developed technology solutions on par with international standards, CAMS plays by fast distribution and adaptability. It has an extensive and up-to-date IT infrastructure that can support over 1 crore transactions monthly.


g. Confidentiality

Customer info at CAMS is highly protected due to its sensitive nature. They only use the data to serve customers, and only the rightful owner can access the same.


h. e-KYC facility

While taking care of transactions of different mutual funds, they enable investors to subscribe directly via their online sites and mobile apps. e-KYC option is also available, which you can access instantly at no cost.


i. Portfolio mapping

Every mutual fund you opted for (under CAMS service) is mapped to your investment portfolio. For this, please make sure that you provide the same email id for all your investments.


j. One user id for life

Get registered under CAMS online (myCAMS) and use that user id for all your future mutual fund transactions.



4. CAMS Registration Process

You can register for myCAMS using your registered email id given for the portfolio. You cannot use more than one email id for mutual funds under CAMS.

Your registration via online or app (or both) has lifetime validity. Since the information is confidential and sensitive, the login credentials shared with you will have only 48 hours’ validity. For instance, if it delays beyond that, you will have to start the whole process afresh. It is easy to schedule businesses, payments, monitor and manage the portfolio, buy more and redeem among others. It takes only seconds if you use the app or website.

A. Steps for registering in CAMS Online

Step 1: Go to myCAMS website

Step 2: Select on the tab ‘New User Registration’ to generate a user id

Step 3: A new tab opens in which you will need to enter your email id and captcha, and click the submit button

Step 4: After finishing the registration, you will see an alert flash on the screen, confirming the same

Step 5: Check your email for confirmation and login details – use them to log in

Step 6: Do not forget to change the password after the successful login

Step 7: Now re-login using the id and the new password


B. Registration via mobile app

Step 1: Go to Google Play store and install the myCAMS app

Step 2: Select ‘Register Now’, which will take you to the ‘New Registration Screen’

Step 3: Type in your email id there and submit to sign up

Step 4: Use the login info sent to your email id and go to your account on myCAMS

Step 5: The first thing to do is to change your password as per the instructions are given on screen

Step 6: Re-login to explore a world of myCAMS services

In a nutshell, CAMS is forever on the lookout to improve their infrastructure performance and make investments easier for both investors and scheme-providers.


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