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OUR OFFERINGS

Furthering Our Legacy in Mutual Fund RTA Leadership

Over the past three decades, we have established ourselves as an undisputed leader in the Mutual Fund RTA space. Revolutionising benchmarks and offering an extensive range of scalable tech-enabled solutions, we efficiently cater to every step of the MF account lifecycle.

Our domain expertise, exemplary processes, innovative technologies, and cutting-edge infrastructure has garnered the trust of majority of India’s largest Mutual Fund companies, empowering them for seamless operations and sustained growth.

End-to-End Mutual Funds Service Offerings

Service Aggregator

Best Practice Implementation

Uniform Regulatory Change Implementation

Business-Continuity Mechanisms


Business Enabler

Manage High Volume of Data/ Transactions

Infrastructural Stability

Support Timely Launches of NFOs

Operational Integration


Knowledge Partner

Extensive Data on Investor Preferences

Actionable Insights

High Capability of Processing Expertise

Innovative Product Development


Customer Care & Investor Services

Call Centre Services

Mail Back/ SMS Services

Service Requests and Account Information

Front Office Services

Transaction Processing


Distributor Services

Recording of Empanelled Distributors

Recording of Brokerage Structures

Brokerage Computation

Distributor Queries


Transfer Agency Services

Transaction Origination

Operations

Investor Services

Risk Management

Compliance

Scalable Delivery Model

45.1 trillion

CAMS-serviced Assets Under Management (AUM)

94.2 million

Live Investor Folios

892 million

Transaction volume

~40 million

New SIP Registrations

16.7 million

Investor Service Requests

57.2 million

SIP Book

40.4 million

Unique Investors Serviced

₹ 186 trillion

Processed as pay-in/pay-out

Delivering Exceptional Outcomes

₹ 24.5 trillion

CAMS-serviced MF
AUM (trillion)- Equity

723 million

Systematic Transactions Processed

₹ 1.76 trillion

Gross SIP Collections

892 million

Transaction Volume

Alternative Investment Fund (AIF) Services & Portfolio Management Services (PMS)

The PMS and AIF sectors in India have witnessed substantial growth in recent years and hold the potential to cross ₹ 100 lakh crore mark by 2030. Fuelled by the nation’s rapid economic growth, supportive government initiatives, domestic market expansion and significant infrastructure investments, they are becoming the vehicle of choice for HNIs and UHNIs seeking a more personalised and high-yielding investment option. The growth is also supported by a rapid rise in SEBI-registered funds which surged from 170+ to 200+ fund houses in March 2025 as compared to the previous year.

Riding on this growth momentum, CAMS offers a variety of platform-based services to the AIF and PMS companies and investors. Since the products cater to premium market segment, they are bundled with a promise for superior customer service.

Powered by Fintuple Technologies

In 2022, we made a strategic decision to invest and acquire a majority stake in Fintuple Technologies, a powerful API-enabled gateway which connects tech-savvy consumers to digitally-enabled manufacturers and providers. This move enables us to offer specialised technology solutions for digital onboarding, eKYC, fund reports, and other support to marquee AIF brands and banks, reinforcing our industry expertise and positioning us better to capture the market potential.

Service Offerings

We offer end-to-end services to investors of AIFs and other funds to help them optimise their operational efficiency. Offerings include digital onboarding services, AML services, transaction processing, record management, fund accounting and reporting, and reconciliation and creation of MIS and reporting systems. Additionally, intermediaries revenue and investor service management is also facilitated by CAMS.

AIF & PMS: Blazing the Trail

480+

Schemes serviced across
200+ fund houses

₹ 2.50 lakh crore

Assets Under Service

200+

Installations of CAMS WealthServ
and Fintuple’s digital on-boarding solution

1st

RTA at GIFT City to set up full-stack
offerings for AIFs

Key Highlights FY 2024-25

  • Continues to be the market leader in AIF and PMS services
  • Secured 52 new mandates, including 20 new to CAMS clients
  • Expanded our operations in GIFT City by inaugurating in October 2024, a larger office thereby cementing our commitment to the location
  • Onboarding for international investors at GIFT City
  • Launched a web portal tailored to the requirements of the angel fund investors
  • Onboarded more than 12,500 investors since inception of WealthServ platform
  • Implemented real-time integrated Anti-Money Laundering screening in WealthServ
  • Incorporated real-time NSDL PAN checks and SEBI debarred list screening during the onboarding process

Insurance Repository Services (through subsidiary CAMS Rep)

CAMS Rep is a powerful, tech-driven and one-of-its-kind platform in India that caters to the comprehensive needs of both insurance companies as well as the policyholders – from streamlining operations and enhancing regulatory compliance for more than 50 insurance companies to ensuring seamless service, reliable access to account information and improving ease and transparency for the policyholders.

Capturing the Growth Momentum

The change in IRDAI regulations which mandate dematerialisation of insurance policies has proven instrumental in encouraging an increasing number of policyholders to avail our services. As the general insurers (non-life insurers) also enter the gamut of KYC mandate and thus insurance repository platforms, the segment is poised for substantial growth, creating more opportunities for us.

8+ million

e-Insurance (eIA) accounts

10+ million

E-insurance Policies under service

>40%

Market share based on the number of policies held in repository as of March 31, 2025

  • 6 lakh+ Active Users and 95k App Downloads
  • 90k+ Average Monthly Service Transactions
  • 55% Penetration in Tier 2 & 3 cities
  • 9% International User base

Assisted Insurance companies to identify 1 crore policyholders with respect to unclaimed benefit amount

Key Highlights FY 2024-25

  • Crossed 1 crore e-Policy mark and 80 lakh eIAs
  • Agreement signed with Life Insurance Corporation of India (LIC) for providing Insurance Repository Services - a significant milestone event in the industry, given that the country’s largest life insurer is commencing their engagement for electronic issuance of policies
  • Increased Insurer Services client base to 16 leading insurers
  • Onboarded 3 Insurers on Bima Central for real-time premium payments and policy servicing
  • Expanded capacity with the opening of a new delivery centre in Turbhe, Mumbai
  • Launched Bima Central, unique active user base crossed 6 lakh with net mobile app downloads crossing 50,000

Account Aggregator Services (through subsidiary CAMSfinserv)

CAMSfinserv, a financial services platform, facilitates Account Aggregator (AA) services to banks, NBFCs, and investment advisors amongst others, enabling them to enjoy unified access to their financial information on a single platform for seamless financial management.

CAMSfinserv: Optimising Financial Management

CAMSfinserv, by enabling its users to securely access financial information across different accounts on one platform, empowers them to manage their finances more easily and make informed financial decisions. The unique features and benefits of the platform include:

  • Single platform that aggregates and shares financial asset data based on client’s consent
  • Encrypted sharing of financial information ensures utmost safety and security
  • Runs on Microsoft Azure cloud platform and benefits from Microsoft’s industry-aligned solutions and R&D capabilities
  • Offers a comprehensive view of all user assets to improve financial planning and management
  • Optimal uptime and speed of delivery ensured
  • Integrates Microsoft’s security suite, adhering to the regulator’s stringent privacy, security, and data delivery standards

Primed for Opportunities

A phenomenal adoption and inroads of Open Finance in India along with the enormous increase in data volumes across diverse industries like banking, insurance, pension and MF has led to a major boost in the Account Aggregation ecosystem. Associated services such as analytics and personal finance management are further fuelling the momentum, adding up opportunities for CAMS, which is well-equipped with its unique digital solutions and core AA offerings to seize the potential.

Our collaboration with Microsoft India further enables us to drive digital transformation in credit lending, investment advisory, and personal finance management.

FIPs

Integrated including Banks, CRA, MF, and Insurance

154

FIU Onboarded

Key Highlights FY 2024-25

  • Total number of live clients increased to 154 as compared to 101 at the end of FY 2023-24
  • 35% increase in market share from 8.6% (FY 2023-24) to 11.6% (FY 2024-25)
  • Became the preferred vendor for Indian Account Aggregator Ecosystem and is leading CAMS transformation from a capital market player to an end-to-end financial market solutions provider

eNPS Registrations

In March 2022, we successfully implemented industry’s-first NPS CRA platform on the cloud with the objective to enable transparency, seamless account management and ease of access to NPS subscribers. The platform enhances the NPS journey of our users through features like UPI-based bank account verification and use of eKYC data to smoothly onboard pension customers. To enable retail customers to utilise our ecosystem and register for NPS, our platform and API stack were further modified and extended for Point of Presence (PoP).

Demonstrating Extraordinary Growth

No. 2

Position in new eNPS Registrations

90%

CSAT Score

6.5%

Market share in retail Non-Government Sector

71K+

Registrations

Key Highlights FY 2024-25

  • The total subscriber registration count as on March 31, 2025 stands at 1,39,764
  • A total of 71,960 new subscribers were registered on CAMS CRA platform in FY 2024-25
  • Secured around 9% market share in eNPS and the overall market share in retail (Non-Govt sector) is around 6.5%, positioning CAMS eNPS as no. 2 market player
  • CSAT score continues to be above 90%
  • Going live APIs for Atal Pension Yojana – to be the first CRA to provide the same. 5 of top 15 PoPs to be operational on CAMS platform

KYC Registration Agency (through subsidiary, CAMS KRA)

We are the second-largest licensed KYC Registration Agency (KRA) for the capital markets, offering verification and maintenance of KYC records of investors for use by fintechs, brokerage houses, wallets & payment service providers and other financial institutions.

Spearheading transformation, we are proud to offer industry’s-first AI-integrated KYC solution to instantly onboard customers. It also features AI-assisted Face match, OCR and Liveliness checks and built-in OVD verification services along with a Low Code Design Studio that introduces Video Interaction App (VIA) in any web or mobile app. Ensuring strict adherence to norms, our KYC solution is fully compliant and governed by all four financial sector regulators.

Charting New Heights

31%

YoY Revenue Growth

2.27x

Increase in Monthly Volume

Key Highlights FY 2024-25

  • CAMS KRA recorded an all-time high revenue of ₹ 45 crore in FY 2024-25, an impressive 31% YoY growth in FY 2024-25 compared to ₹ 35 crore in FY 2023-24
  • Strategically went live with several big clients, expected to contribute new PAN additions to the KRA, thereby driving significant PAN downloads and associated revenue in FY 2025-26
  • In March 2025, the Company launched “Am I Validated?” campaign, raising awareness among capital market investors about the crucial role of KYC validation. The initiative recorded considerable investor engagement, enhancing the Company’s brand visibility

RBI Authorised Payment Aggregator

Payment aggregators, owing to the multiple benefits they offer to both individuals and businesses in simplifying the digital payment process in a seamless and secure manner, are the need of the hour. Their progress is further bolstered by an exponential rise in adoption of UPI and volumes of digital transactions.

CAMSPay offers services to MFs, Insurance Companies, Educational Institutions and NBFCs, including management of mandated transactions such as registering of mandates, initiation of collections, reconciliation and related reporting services.

Over the last decade, CAMSPay has helped us to offer personalised digital solutions to MF investors, loan borrowers and insurance policyholders, further fortifying our leadership in the financial service space. The solution has also been instrumental in enabling seamless payment collection across our diverse businesses, effectively contributing to our growth.

Accelerating Progress

1.01 +million

UPI AutoPay Mandate Registrations per month

122 +billion

Worth of Monthly Transactions (NACH + Digital)

40.60 +billion

Worth of UPI Transactions

4.9 +million

NACH Active Mandate Registrations

65.58 +million

Daily SIP Transactions Processed to date

107.25 +billion

Worth of UPI AutoPay Transactions

Key Highlights FY 2024-25

  • Secured Authorisation to operate as an Online Payment Aggregator Under The Payment And Settlement Systems Act, 2007
  • Secured significant wins in insurance, mutual funds and education
  • CAMSPay was awarded for “Excellence in Payment Aggregation in BFSI Category” by DoD Awards by Inkspell

Software Solutions (through subsidiary SSPL)

We constantly strive to cater to the ever-evolving technology requirements of our clients and create innovative and advanced tech-enabled solutions for the financial services sector.

Sterling Software is a wholly-owned subsidiary of CAMS, successfully executing a complex portfolio of projects, including transformation initiatives, customer-centric projects, automation, compliance and risk management, and infrastructure upgrades. Through enhanced process management, tool adoption, and effective teamwork, our delivery teams have consistently delivered new features and improvements while maintaining high quality and productivity standards. Sterling is the software service provider for the holding company and holds the IP rights for the entire RTA. It also supports other Non-MF business requirements of CAMS.

Key Highlights FY 2024-25

During the year, Sterling Software supported the following activities for CAMS:

  • FormSenseQ - An image-based API digital interface solution was created to integrate physical application-based transactions, digitally exchanged between CAMS and its clients
  • UPI Autopay: A blockchain integration project has been developed for one of the leading clients, capable of handling 1,000 transactions per second (TPS), to manage UPI volumes through a fully automated solution
  • Bima Central App developed for insurance business is currently available in Hindi, Telugu, Malayalam and Marathi, with plans to add four other languages
  • Dice Pro is a web-based upgraded version of the broker rate structure management platform, DICE. It offers faster turnaround times and has been adopted by leading AMCs

Digital Transformation (through subsidiary Fintuple)

Fintuple is a fintech platform and API solutions provider with specialised solutions catering to the specific needs of AIFs, Portfolio Managers, Custodians and Distributors. Fintuple has broaden its horizons, expand market reach, accelerate innovation and elevate customer service and experience.

Key Highlights FY 2024-25

  • Fintuple is the only entity in the market recognised for foreign custody onboarding, with services now being extended to domestic and GIFT City entities
  • NPS solution has been developed for CAMS CRA
  • The product base is being extended to a comprehensive alternates platform with wealth and services capabilities (eSign, eStamp, eDoc, eKYC, ODR, etc.), along with distributor solutions such as distributor portal, empanelment, & enablement

Data Science and Analytical Offerings (through subsidiary Think Analytics)

TAIPL is a fast-growing AI and data science company offering groundbreaking solutions in the financial services sector. Think360.ai solutions, offered in combination with CAMSfinserv – our account aggregator services, is delivering exceptional value and garnering deep appreciation in the digital public infrastructure space.

One of the World’s Most Innovative Companies developing AI technologies in financial services

recognised by FinTech Global in their 3rd Edition of the AIFintech100 list

Unified Platform for Mutual Fund Investors

MF Central is a unique unified platform enabling investors to monitor and manage their investments across the entire mutual fund ecosystem at one place and seamlessly transact in a digitised and automated manner.

  • Streamlining of transactions and providing a unified platform has significantly simplified the mutual fund investment process
  • MF Central has become the preferred platform for investors
  • Ease of transacting across all MFs in India (serviced by both CAMS and KFIN) through a single window
  • A joint venture company, MFC Technologies Private Limited, was incorporated on March 08, 2025, with the Company holding 50% of the share capital