Intellectual Capital as a Strategic Advantage
Technology is central to our service delivery ecosystem. Recognising its transformative potential in powering operational excellence and reinforcing stakeholder trust, we continue to deepen our technological expertise and build digital, future-focussed solutions that integrate AI/ML and analytics into our business model and platforms. Continuously strengthening our intellectual capital accelerates time, cost and operational efficiencies and augments customer experience – fuelling growth, scale and organisational resilience.
During the year, we have initiated the process of rearchitecting our technology stack to support the next phase of growth across asset management, payments, compliance, and insurance infrastructure, positioning CAMS as a full-stack financial infrastructure provider rather than a traditional RTA. Key developments include introduction and implementation of multiple advanced platforms such as ConsenPro, Bima Central and CAMSLens.
myCAMS enables retail mutual fund investors to manage their portfolio and transact across multiple CAMS-operated mutual funds on a single interface. The app's 'digiLoan' feature also allows customers to avail digital borrowing against their mutual fund portfolio via seamless integration with banks and NBFCs.
myCAMS continues to be the largest mobile app in the Mutual Fund arena with over 8.3 Million registered users. The app sustains its position among the Top 4 fintech apps in the country.
Key features launched during the year:
- DC banks pop-up with recommended payment type
- PAN-based AMC OTM integration
- eNACH authentication-enabled: Debit Card & Aadhaar
- UPI autopay - New payment type introduced
- Accessibility changes for website
Key highlights
- Largest app and portal for individual mutual fund investors
- 8.3 Million registered users
- Ranked among top 4 fintech apps in the mutual fund space
A state-of-the-art unified platform, MFCentral, enables mutual fund investors to digitally view their portfolio as well as manage and transact across their investments spanning all AMCs through a single interface. Beyond enhancing the customers' investment journey, the platform is redefining how Asset Management Companies (AMCs) manage investments.
Established as a unique platform-based revenue model, it offers a variety of services such as CAS, NFT, FT, LAMF and CGS to investors, distributors and financiers, strengthening our market leadership in the mutual fund space.
Key highlights
25.87 Lakhs
Mobile App downloads
6.52 Lakhs
Non-financial transactions
1 Lakh
Daily login
3.52 Lakhs
per day User registration trend
14.57 Lakhs
Financial transactions
Powered by an OTP-based Aadhaar authentication, e-KYC enables hassle-free digital KYC for new mutual fund investors. Keeping customer convenience at its core, CAMS has implemented this unique, industry-first initiative that facilitates online updation of contact details and address in KYCs in just 10 minutes. Online KYC Modification (Re-KYC) facility for all KRA PANs has also been introduced, allowing investors to modify all their KYC details with mandatory DigiLocker validation. Furthermore, eKYC: SUBKUA build is go-live ready and has received an approval from UIDAI. The average daily volumes are between 2,500-3,000 authentications a day.
Used by ~ 3,000 new and existing investors every day (on an average)
Key features
- 1 of the 8 entities to launch eKYC
- Advanced techniques deployed for smooth processing of applications, in alignment with SEBI regulations
- OCR tools for information retrieval from images
- Bank validation via the penny drop mechanism
- Introduced online KYC modification (Re-KYC) services for all KRA PANs
edge360, an exclusive mobile app and portal, plays a pivotal role in managing and optimising the day-to-day operations of CAMS distributors and advisors.
The digital platform for distributors and advisors is recording steady adoption and usage. Extensive marketing efforts and webinars helped gain momentum in new registrations. With increased user base and transaction volume, over 1.1 Lakhs distributors have enrolled on the mobile app since launch. The iOS mobile application, which was successfully launched last year, is complementing the existing digital access channels and enhancing user experience. The platform now enables investing in SIF products and has extended SIF capabilities to additional AMCs, strengthening our leadership in advanced investment solutions.
Key highlights
1.1 Lakhs
Registered distributors
40 Lakhs
Transactions completed during FY 2025-26
GoCORP serves as the largest mutual fund portal for corporate investors, empowering institutional customers to seamlessly manage their mutual fund investments and transact across multiple CAMS-managed MF's through a single, unified interface. The CAMS DAIS (Digital, Analytics, and Intermediary Services) team continues to drive accelerated adoption of GoCORP across the corporate ecosystem, in alignment with our goals.
This year, we focussed on enrolling more corporates to use GoCORP for their institutional transactions. The product continues to offer differentiated value-added services.
The AuM serviced by GoCORP as on March 31, 2026 was ₹ 3.32 Trillion, comprising 15.33% of the total institutional AuM of CAMS-serviced funds.
Key highlights
9,000+
Registered Users
15.33%
Market share of institutional AuM (in value)
₹ 3.32 Trillion
AuM serviced by GoCORP
Furthering our goal to provide easy access to finance, digiLoan helps investors to pledge their mutual fund units and avail a loan up to ₹ 1 Crore in a digital and paperless manner. Loan can be availed from 25 registered banks and NBFCs.
digiLoan is rapidly establishing its footprint in the digital lending arena, appealing to both financial institutions and end customers. Its success is fuelled by the integration of cutting-edge technology and an intuitive, streamlined interface that facilitates swift loan processing. Crucially, LAMF maintains full transparency and control for both lenders and borrowers, positioning it as a reliable and efficient solution in modern mutual fund-backed financing. Over the past two years, this segment has experienced remarkable growth, with numerous new financiers showing strong interest in adopting the offering. This trend highlights the immense potential for further expansion and innovation in this space. FY 2025-26 observed a record of 3,30,225 lien-marking transactions, a 107% increase over 1,59,585 transactions in FY 2024-25. Loan Under Management grew by 77% to ₹ 19,967 Crore in FY 2025-26, up from ₹ 11,277 Crore in the previous year.
Key Features
- Facilitates lien-marking on mutual fund units
- Financers can avail online lien invocation and revocation via APIs
- CAS-based process-flow elevates customer convenience by eliminating the need for separate logins and redirects
CAMServ, a self-service chatbot, advances our effort to deliver superior customer experience through technology and automation. The customisable chatbot is available on CAMS website, select AMC websites (as a white-labelled service), and WhatsApp and supports investors with various financial and non-financial transactions related to mutual funds.
Recently, the chatbot has been completely revamped to deliver a seamless and intuitive digital experience to investors. The solution is now available across both web and WhatsApp Bot with strong adoption and engagement.
A real-time analytics dashboard enables continuous monitoring and data-driven improvements.
Key Features
- Facilitates Switch, SIP, STP/SWP, lumpsum purchases and redemptions
- Transaction link generation facility is available for distributors via distributor-based chatbots, enabling their investors to transact seamlessly
- Revamped chatbot provides clutter-free and enhanced experience
CAMS WealthServ, a digital onboarding platform for the alternatives sector, offers a paperless, secure, transparent and fully compliant experience for AIF and PMS investors. Recent enhancements to the platform enables it to serve customers beyond onboarding to include additional transactions, portfolio views, dashboards, reporting, and customer service.
The platform has been very well received by the Alternatives Industry. CAMS continues to augment the product features and partnerships with custodians, which will significantly strengthen the market position for the product. CAMS WealthServ has witnessed strong traction, with 200+ sign‑ups completed so far.
Key Highlights
265+ Mandates
won in FY 2025-26
₹ 3.1 Trillion
Assets under service
200+
sign-ups completed
Think360.ai (a CAMS company) is a full-stack Data Science and AI-focused firm, with a comprehensive 360-degree view of the technology landscape. By utilising world-class technologies, advanced analytics, AI/ML, and mobile cloud computing, we empower BFSI enterprises to solve their most complex business problems, particularly in the areas of lending and credit risk management.
Led by our deep domain expertise and technological edge, we offer market-leading digital underwriting, credit risk intelligence, and customer onboarding and verification solutions to Banks, Fintechs, Loan Service Providers, NBFCs, Wealth Management Firms, and Insurers.
Products
A comprehensive suite of product portfolio, comprising Algo360, AAmaze, and Kwik.ID, is simplifying India’s lending landscape while enabling financial institutions to rapidly scale their API and partnership infrastructure.
- Algo360 enables sub-1 minute loan decisions with real-time, alternate data-based credit scoring
- AAmaze delivers deep financial insights - bank statements, GST, income, PFM - via the Account Aggregator ecosystem
- Kwik.ID is a RBI-compliant digital KYC platform, trusted for seamless VCIP and 85%+ success rates
- ConsenPro, an end-to-end discovery and consent lifecycle management solution for DPDPA compliance was launched recently
Key Highlights
190+
Clients served
90+ Mn
Customer profiles
150+
AI & Data Science experts
Recognitions
- Recognised as leading Agentic AI Service Provider by Analytics India Magazine
- Received the RegTech Innovation Excellence Award at the ETBFSI Exceller Awards 2025
- Recognised as 50 Best Firms For Data Scientists To Work For 2025 by AIM Research
Bima Central is a unique, unified insurance solution that pioneers policyholder servicing through an array of digital services which add ease and transparency throughout the policy lifecycle. The platform enables policyholders to seamlessly access their insurance portfolio, view maturity/surrender values, apply for/mark a lien, avail loan against securities, and initiate a claim.
Recognition
Bima Central won the 'Best Insurance Tech Solution' at the GFF Awards 2025 and was recognised as 'Insurtech of the Year' at Asia FinTech Awards 2025
Bima Central
As part of our ongoing efforts to enhance the technological infrastructure, Bima Central Administrator was introduced during the year. A first-of-its-kind portal built exclusively for Bima Central stakeholders (insurers, brokers, distributors, and value-added service providers), it helps them to participate in eIA customer servicing experience and streamline policyholder interactions and service requests through a unified platform.
Key Highlights
1.9 Mn
Unique users
~14+ Mn
e-policies under service
10.5 Mn
e-insurance accounts
100 K
Average monthly service transactions