How to Find All the Mutual Funds of a Deceased Parent

Method 1 — SEBI MITRA, the official tracing platform

Start here. MITRA (Mutual Fund Investment Tracing and Retrieval Assistant) is SEBI's platform, run by CAMS and KFintech — the two registrars (RTAs) that service nearly all Indian mutual funds. It is designed for exactly this problem: it traces inactive folios (no investor-initiated transaction for 10 years) and unclaimed dividend and redemption amounts across the whole industry.

You can reach MITRA through MFCentral, the AMFI website, SEBI's website, and AMC and RTA websites. You log in with your own PAN, then search for your parent using their name plus identifying details — the search works with the deceased investor's name, one primary identifier (such as PAN or date of birth) and one secondary identifier (such as a registered mobile number, email or address). Note what it returns: folio locations you then pursue with the AMC or RTA using the transmission process below.

Method 2 — A consolidated statement from CAMS

CAMS services the majority of fund houses. If your parent's email ID was registered in their folios, request a CAMS consolidated account statement (mailback) for that email/PAN from the CAMS website — it lists every CAMS-serviced folio in one document, including old and zero-activity ones. KFintech offers an equivalent consolidated statement for the funds it services. Between the two RTAs, this covers most of the industry.

Method 3 — In-person search at a CAMS or KFintech office

If you don't have access to your parent's email or the online searches fall short, visit a CAMS or KFintech investor service centre and request a deceased-investor search against the parent's PAN. Carry:

• The parent's death certificate
• The parent's PAN details
• Your own ID and PAN
• Proof of your relationship / legal heir status

The RTA can confirm which folios exist under that PAN across the funds it services, and will tell you the nominee recorded on each folio — information that decides how each transmission proceeds.

Method 4 — The tax trail

Mutual fund dividends and capital gains leave tax footprints. Register on the income-tax portal as the legal representative of the deceased (the portal has a specific registration route for this, requiring the death certificate and your PAN), then download the parent's Annual Information Statement (AIS) and Form 26AS. Dividend credits and redemption entries there point to fund houses and folios you may not have found yet. If your parent held a demat account, the CDSL/NSDL consolidated account statement similarly reveals demat-held investments.

Method 5 — Audit 12 months of bank statements

Take a full year of statements from every bank account your parent used and search the narration for investment debits and credits. Look for keywords such as CAMS, KFIN (KFintech), NACH, ICCL, and IDCW (dividend payouts), plus AMC names and SIP debit patterns on the same date each month. Every SIP debit is a live folio; every dividend credit is a holding. Cross off the folios you have already found via the other methods — what remains is your follow-up list.

Then transmit — with the correct T-form

Finding the folios is half the job. Each folio must then be transmitted (not redeemed) into the right person's name. Under the standard CAMS/KFintech/AMFI framework, the transmission forms are:

• Form T1 — deletion of a deceased joint holder's name, where other holders survive and continue the folio.
• Form T2 — transmission to the surviving joint holder(s) when the first holder has died.
• Form T3 — transmission to the nominee, or to the legal heir where there is no nominee, when the sole holder has died.

For a T3 claim at CAMS, the form's annexures include the bank attestation of the claimant's signature and account (Annexure I/Ia), an indemnity bond (Annexure II, for claims below the applicable threshold) and an individual affidavit (Annexure III). SEBI's 2026 transmission framework simplified this further across securities: a combined affidavit-cum-NOC is now allowed in place of separate documents, probate of a will is no longer mandatory for transmission, QR-coded death certificates are accepted, and entities are expected to complete transmission ordinarily within 21 calendar days.

One hard rule: never redeem, switch or operate a folio in the deceased person's name or with their credentials. Every transaction must happen only after transmission, in the claimant's own name and KYC.