Update Mobile & Email in Mutual Fund Portfolio (2026)

 Have you ever tried to redeem your mutual fund units or start a new SIP only to realize the OTP is going to an old mobile number you no longer use?

It is a common "Life Admin" headache. Whether you’ve switched providers or simply want to update your professional email to a personal one, keeping your contact details current is vital for the security of your IndiaSIPTracker portfolio.

In 2026, thanks to SEBI’s push for digital ease, you can update these details centrally without visiting a single bank branch. Here is exactly how to do it.

1. The Centralized Way: Using CAMS or KFintech

Most mutual funds in India are serviced by two main agencies: CAMS and KFintech. You don't need to notify every fund house individually; updating it at the registrar level usually syncs across all folios linked to your PAN.

Steps for CAMS (Computer Age Management Services):

  1. Visit the CAMS Investor Portal and look for "Digital Service Requests."

  2. Select "Email Id / Mobile No. Updation."

  3. Enter your PAN and Date of Birth.

  4. Verify the existing details via OTP (if you still have access) or follow the "In-Person Verification" (IPV) via video call if your old number is completely gone.

  5. Submit the new details. It typically takes 7–10 working days to reflect.

Steps for KFintech:

  1. Go to the KFintech MFS website and click on "KYC Modification."

  2. Provide your PAN and the new mobile/email you wish to register.

  3. Upload a self-attested copy of your PAN Card and a proof of address.

  4. Complete the Aadhaar-based e-KYC to validate the change instantly.

2. The "Family Declaration" Rule

A common mistake in 2026 is using the same mobile number for multiple family members (like your spouse or adult children).

  • The Rule: SEBI now requires a "Family Declaration" form if the mobile number or email belongs to a dependent.

  • The Fix: When updating, look for the checkbox that says: "This number belongs to my self/spouse/dependent child." Selecting this prevents your account from being flagged for "duplicate contact info."

3. For Demat Account Holders

If you invest via an app like Zerodha or Groww where your units are held in Demat form, you must update your details with your Depository Participant (DP)—either NSDL or CDSL—not CAMS. Once updated in your Demat account, it automatically flows to your mutual fund folios.

My "Novice" Tip for 2026

Don’t wait for an emergency to check this. If you are planning to withdraw money for a goal, check your contact details at least 15 days in advance. There is nothing more stressful than needing your money and being locked out because of an old OTP!

Before you update your contact info, make sure your PAN and Aadhaar are linked  to avoid any KYC rejection.

Location: Bengaluru, Karnataka, India

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