You can find your Demat account number using PAN in:
For CDSL accounts, it is a 16-digit BO ID. For NSDL accounts, it is a combination of DP ID and Client ID.
Lost track of your Demat account number? You're not alone. Thousands of Indian investors face this challenge every day, especially when managing multiple investment accounts or switching between brokers.
The good news? Your PAN card is the master key to unlocking all your Demat account details in minutes—no paperwork, no branch visits, and completely free.
If you’re still at an early stage, it also helps to understand the complete demat account opening process so you know how these details are generated and where they come from.
Understanding how to know demat account number using pan card is essential for every investor in 2026. Whether you're filing taxes, consolidating investments, or simply verifying your holdings, retrieving your Demat account number has never been easier thanks to digital initiatives by NSDL and CDSL.
Your Demat account number serves as your unique financial identifier in India's securities market. This 16-digit alphanumeric code (for NSDL accounts) or 16-digit numeric code (for CDSL accounts) connects directly to your electronic holdings[1].
Every Demat account must be linked to a PAN card as per SEBI regulations, making your PAN the perfect gateway to retrieve account information. This mandatory linkage ensures compliance, prevents duplication, and simplifies the investor account number recovery process.
The format typically looks like:
For NSDL Accounts:
For CDSL Accounts:
This method works 24/7 and provides results within 2-3 minutes, making it the preferred choice for urgent retrieval needs.
The Consolidated Account Statement is a comprehensive document that lists all your Demat accounts, mutual fund holdings, and investment details[2].
Steps to retrieve via CAS:
The CAS includes:
Your broker or depository participant maintains direct access to your electronic holdings number.
Through DP Website/App:
If you've forgotten login credentials:
The SEBI Complaints Redress System (SCORES) also maintains investor account information.
Mobile-specific retrieval techniques have become increasingly important in 2026 as over 70% of Indian investors access markets via smartphones.
Mobile Browser Method:
Dedicated Mobile Apps:
SMS-Based Retrieval (Limited DPs):
Some depository participants offer SMS services:
Always use secure Wi-Fi or mobile data, avoid public networks when accessing financial information.
| Method | Speed | Security Level | Documentation Required | Best For |
|---|---|---|---|---|
| NSDL/CDSL Portal | 2-5 minutes | High | PAN only | Quick retrieval |
| CAS | 24 hours | Very High | PAN + Email | Comprehensive review |
| DP Platform | Instant | High | Login credentials | Regular users |
| SEBI Scores | 1-2 hours | Very High | PAN + Registration | Formal verification |
| Mobile Apps | 1-3 minutes | High | PAN/Login | On-the-go access |
Financial document authentication requires strict security measures to prevent unauthorized access and fraud.
🔐 Verify Website Authenticity
🔐 Protect Personal Information
🔐 Recognize Phishing Attempts
🔐 Secure Your Devices
SEBI has reported a 40% increase in investment-related phishing attempts in 2026. Always verify before sharing any financial information[3].
Knowing how to know demat account number using pan card empowers you with instant access to your investment identity. In 2026's digital-first investment landscape, this knowledge is non-negotiable for every serious investor.
You can find it through your broker’s app, Demat account statements, welcome email/SMS, or by logging into CDSL or NSDL.
For CDSL accounts, yes, the Demat account number is the 16-digit BO ID. For NSDL, it is DP ID + Client ID.
Yes, PAN can be used to access your Demat details through your broker or depository portals.
Log in to your broker’s website/app or use the official CDSL (Easi/Easiest) or NSDL (IDeAS) portals.
It is usually mentioned at the top of holding statements, transaction statements, or contract notes sent by your broker.
CDSL uses a 16-digit numeric BO ID, while NSDL uses an alphanumeric DP ID + Client ID format.
Beware of fraud calls asking you to transfer money for investing and promise higher return on behalf of GCL. We never promise any kind of return. Please also verify bank details of GCL or call on number available on website before transferring money.
Prevent unauthorised transactions in your account -- Update your mobile numbers/email IDs with your stock brokers. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day .......... Issued in the interest of Investors
KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.
Prevent Unauthorized Transactions in your demat account -- Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your Demat Account directly from CDSL on the same day...............issued in the interest of investors.
No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorize your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account.
Filling compliant on SCORES - Easy & Quick.
a) Register on SCORES portal. b) Mandatory details for filing complaints on SCORES. i) Name, PAN, Address, Mobile Number, E-mail ID. c) Benefits: i)Effective Commincation ii) Speedy redressal of the grievances
Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 01, 2020.
Update your email id and mobile number with your stock broker / depository participant and receive OTP directly from depository on your email id and/or mobile number to create pledge.
Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month.
All investors are requested to take note that 6 KYC attributes i.e., Name, PAN, Address, Mobile Number, Email id and Income Range have been made mandatory. Investors availing custodian services will be additionally required to update the custodian details.
Investors may contact their respective stockbrokers / depository participants for updation of details in their trading / demat account.
The last date to update KYC is on or before March 31, 2022.
Thereafter non-compliant trading accounts will be blocked for trading by the Exchange.
The non-compliant demat accounts will be frozen for debits by Depository Participant or Depository.
On submission of the necessary information to the stockbroker and updation of the same by the stockbroker in the Exchange systems and approval by the Exchange, the blocked trading accounts shall be unblocked by the Exchange on T+1 trading day.
The demat account shall be unfrozen once the investor submits the deficient KYC details and the same is captured by the depository participant in the depository system.
To ensure smooth settlement, the investors are requested to ensure that both the trading and demat accounts are compliant with respect to the KYC requirement.
The investors are hereby requested to comply with the regulatory guidelines issued by Exchanges and Depositories from time to time with regard to KYC compliance and related requirements.
Beware of fixed/guaranteed/regular returns/ capital protection schemes. Brokers or their authorized persons or any of their associates are not authorized to offer fixed/guaranteed/regular returns/ capital protection on your investment or authorized to enter into any loan agreement with you to pay interest on the funds offered by you. Please note that in case of default of a member claim for funds or securities given to the broker under any arrangement/ agreement of indicative return will not be accepted by the relevant Committee of the Exchange as per the approved norms.
Do not keep funds idle with the Stock Broker. Please note that your stock broker has to return the credit balance lying with them, within three working days in case you have not done any transaction within last 30 calendar days. Please note that in case of default of a Member, claim for funds and securities, without any transaction on the exchange will not be accepted by the relevant Committee of the Exchange as per the approved norms.
Check the frequency of accounts settlement opted for. If you have opted for running account, please ensure that your broker settles your account and, in any case, not later than once in 90 days (or 30 days if you have opted for 30 days settlement). In case of declaration of trading member as defaulter, the claims of clients against such defaulter member would be subject to norms for eligibility of claims for compensation from IPF to the clients of the defaulter member. These norms are available on Exchange website at following link: https://www.nseindia.com/invest/about-defaulter-section
Brokers are not permitted to accept transfer of securities as margin. Securities offered as margin/ collateral MUST remain in the account of the client and can be pledged to the broker only by way of ‘margin pledge’, created in the Depository system. Clients are not permitted to place any securities with the broker or associate of the broker or authorized person of the broker for any reason. Broker can take securities belonging to clients only for settlement of securities sold by the client.
Always keep your contact details viz. Mobile number/Email ID updated with the stock broker. Email and mobile number is mandatory and you must provide the same to your broker for updation in Exchange records. You must immediately take up the matter with Stock Broker/Exchange if you are not receiving the messages from Exchange/Depositories regularly.
Don't ignore any emails/SMSs received from the Exchange for trades done by you. Verify the same with the Contract notes/Statement of accounts received from your broker and report discrepancy, if any, to your broker in writing immediately and if the Stock Broker does not respond, please take this up with the Exchange/Depositories forthwith.
Check messages sent by Exchanges on a weekly basis regarding funds and securities balances reported by the trading member, compare it with the weekly statement of account sent by broker and immediately raise a concern to the exchange if you notice a discrepancy.
Please do not transfer funds, for the purposes of trading to anyone, including an authorized person or an associate of the broker, other than a SEBI registered Stock broker.
9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
On an average, loss makers registered net trading loss close to ₹ 50,000.
Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.
Sharing of trading credentials – login id & passwords including OTP’s.
Trading in leveraged products like options without proper understanding, which could lead to losses
Writing/ selling options or trading in option strategies based on tips, without basic knowledge & understanding of the product and its risks
Dealing in unsolicited tips through WhatsApp, Telegram, YouTube, Facebook, SMS, calls, etc.
Trading in “Options” based on recommendations from unauthorised/unregistered investment advisors and influencers.
In case, if you want to register your complaint through SEBI Score Portal, please Click here Filing compliant on SCORES- Easy & Quick :
(a) Register on SCORES Portal
(b) Mandatory details for filing complaints on SCORES: Name, PAN, Address, Mobile Number, E-Mail ID
(c) Benefits: (i). Effective Communication (ii). Speedy redressal of the grievances
How SCORES Works
Register on SCORES : Fetch details from KYC Registration Agency or fill the Registration Form
Lodge Complaint : Select appropriate category of complaint, Nature of Complaint and Name of the SEBI regulated Entity (i.e. Listed Company/ Registered Intermediaries/ Market Infrastructure Institutions)
Track Status : Track the status of complaint. Please note that automatic reminders are sent to entities for timely resolution of complaint.
Seek Review : Two level review system- Seek Review of your complaint within 15 days from date of receipt of ATR from the Entity for First Level Review and 15 days of receipt from Designated Body for Second Level Review
Provide Feedback : Provide Feedback on the redressal process and quality of disposal of complaint within 15 days of closure of complaint in order to improve the SCORES system
If you want to register your complain via SMART ODR Portal click here
The SMART ODR Portal - Securities Market Approach for Resolution Through ODR Portal, has been established by the 7 Market Infrastructure Institutions together with ODR Institutions to help investors access efficient dispute resolution fully online.
Follow the steps below to resolve a dispute.
1. Register on SMART ODR Portal
Click on Create Account to register on the platform.
2. File a New Dispute
Click on File a New Dispute to begin.
3. Select Intermediary
Select the Intermediary against whom you wish to file a dispute.
4. Select Category
Select the relevant Categories for your dispute.
5. Enter Dispute Details
Fill details of the dispute and attach relevant files or documents.
6. Track Resolution Progress
Once your dispute is filed, track progress easily under the Dispute Timeline.