External folio import
"I have investments in another app â can I see them in Perccent?" / "How do I import my external folios?" / "What does the Import External Folio banner do?"
âī¸ Background (agent reference â do not read to customer)
Perccent shows a banner "Import your External Folio to Perccent" on fund-detail and portfolio pages. Tapping Import Now runs the CAS (Consolidated Account Statement) import â Perccent pulls the customer's full mutual-fund history from the registrars (CAMS and KFintech) using their PAN + an email OTP. After import, the customer can see and transact on folios that were originally opened on other platforms (Groww, Zerodha Coin, Kuvera, AMC websites, etc.) â all in one Portfolio tab.
- Yes â Perccent can pull all the customer's mutual-fund folios from CAMS and KFintech (the two main registrars). Most fund houses are covered between them.
- Tap Import Now on the green banner. The app will ask for an email OTP â it goes to the email registered with CAMS/KFintech, which is usually the customer's main email.
- The OTP is sent by the registrar, not by Perccent. Ask the customer to check the inbox and the Spam / Promotions folder if it does not appear.
- Once the OTP is entered, the folios appear in Portfolio â My Investments within a few minutes.
- After import, the customer can invest more, redeem, switch, and set up SWP on these folios from inside Perccent â exactly like folios opened with us.
Escalate to L2 if: the email OTP does not arrive even after Resend, the import returns a partial folio list, or the customer says some folios are missing after import. L2 will raise a registrar re-pull request.
The import flow
User taps "Import Now"
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App asks: which email is registered with your AMCs?
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App sends PAN + email to CAMS / KFintech
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Registrar emails a 6-digit OTP to that email
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User enters OTP in the app
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Registrar sends back the full folio list (sync = a few minutes)
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Folios appear in Portfolio â My Investments with a "External" badge
What gets imported
| Item | Imported? |
|---|---|
| Folio numbers | â |
| Past investments (lump-sum + SIP installments) | â |
| Current units and NAV | â |
| Redemptions | â |
| Dividend payouts and reinvestments | â |
| SIP schedule for SIPs started on other apps | â â those SIPs continue to debit via the other app's mandate |
| Mandates created on other apps | â â Perccent cannot use those mandates; a new SIP from Perccent needs a new mandate |
| Goals / Baskets from other apps | â â those are platform-specific constructs |
What the customer can do after import
- View â see consolidated portfolio value across every fund house.
- Invest more â additional purchase on any imported folio.
- Redeem â redeem to the bank registered with that folio (not necessarily the bank registered with Perccent).
- Switch â switch between schemes within the same fund house.
- Set up SWP â start a Systematic Withdrawal Plan.
What the customer cannot do after import
- Cannot stop another platform's SIP â that SIP is tied to the mandate on the other platform. The customer must go to that platform to cancel.
- Cannot change the bank on an imported folio without going through the AMC's standard change-of-bank form (KRA-mediated, not in-app).
Re-import / refresh
The CAS import is a snapshot. New transactions on other platforms after the snapshot date do not auto-appear. The customer can run the import again from the same banner â most customers do this once a month.
The most likely cause is that the email registered with the registrar is different from the customer's Perccent email. Ask: "Do you have an older email you used when you first invested in mutual funds â perhaps a Gmail or work email from a few years ago?" If yes, use that email. If they cannot recall, escalate to L2 â the registrar's customer-care can confirm the registered email after PAN verification.
Some fund houses use CAMS, others use KFintech. The import flow handles both registrars in one go â the customer enters one OTP. If the customer's email is registered with one registrar but not the other, the import returns partial results â escalate to L2 to fix the missing side.
Two reasons: (1) Fund X is on a registrar whose email did not match â see the callout above. (2) Fund X is held in a different demat account â demat-held units come from NSDL/CDSL, not CAMS/KFintech, and are not imported. See CAS Import Issues.