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Detailed User Guide for Distributors

The next SIP transformation is here! digiSIP is a 100% digital; technology enabled and highly customised

service solution offered by CAMS for investors as well as distributors to start an SIP in 7 days.

To start

Visit the digiSIP page on the CAMS website www.camsonline.com.

Steps to follow:

Step 1:

In order to ensure that only authorised users are using digiSIP to register SIPs for investors, we need to

validate the relation between distributor and AMC.

Select AMC from the drop-down menu. Enter ARN code (and Sub-broker ARN code and/or EUIN code if

necessary) and click the Submit button.

Step 2:

Once distributor authenticity is established, OTP is generated and sent to registered mobile number. If

distributor does have a registered mobile number, OTP will be sent to the registered email ID.

Enter the OTP received and click on the Verify button

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Step 3:

To validate the distributor-investor relationship, enter investor PAN and specify whether you have done any

transaction/s for that investor in any of the CAMS serviced funds:

If Yes, Select the AMC for which investor has invested through you and click on the Submit button

If No, enter investor mobile number and click on the Verify button

In case you have done any prior transaction/s for this investor, you can select the AMC & proceed as shown

below:

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If you have not done any transaction/s for this investor, you must enter the investors’ mobile number to proceed further as shown below:

Step 4:

Next you must get consent from the investor to initiate the SIP:

Click on the Submit button; a confirmation SMS will be sent to the investor

Investor must click on the link present in the SMS to allow you to initiate SIP

Once the investor gives consent, you will be able to see the status on the grid for that SIP

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Status Grid is seen as below:

Below is the investor SMS and the screen preview that the investor sees after clicking on the link present

in the SMS:

Step 5:

Initiating the SIP includes the following steps:

You can view all PANs for which you want to initiate an SIP on the grid

For each PAN, there will be two statuses, one for confirmation and another for authorization

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When investor gives consent in Step 4, the confirmation status for his/her PAN changes from ‘Pending’

to ‘Initiate SIP’

You can click on ‘Initiate SIP’ (as shown below) and start setting up the SIP for that investor

Step 6: AMC and folio selection

Post investor confirmation, you need to select an AMC

Next ‘Existing folio’ or ‘New folio’ has to be selected

If ‘Existing folio’ is selected (as shown below), you move to the SIP details screen

For ‘New folio’ with Single mode of holding:

You can choose NOT to re-use existing data and manually fill all the relevant details for creating

the new folio. All details(as shown below) have to be filled to proceed

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You can choose to re-use existing investor details as shown below. The application will prefill all

folio related information. To do this, you have to choose the AMC and folio details of the investor

that you want to re-use for the new folio.

For new folio with Joint/Anyone/Survivor mode of holding:

Once you click on the folio, the flow will check if that folio has ‘Joint’ or ‘Anyone/Survivor’ as

holding pattern. If ‘yes’:

i. The system will check for the joint holder(s) PAN, whether he/she is KYC verified or not.

If joint holder(s) are not KYC verified, an error message is displayed as below:

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ii. If the joint holder(s) are KYC verified, then the system will check if their mobile number or

email ID is available in the CAMS database or CAMSKRA database. If neither of these are

available, an error message as below will be displayed:

iii. If both the email ID and mobile number or either of these are available, the flow proceeds

and a pop-up message is displayed to the Distributor as below:

If you click ‘Yes’, the flow will proceed to the folio creation screen with all details pre-filled

If you click ‘No’, the flow will go back to the pop-up to select a different folio, where the ‘AMC’

detail will be already prefilled, and folio no. will have to be selected

Once the distributor chooses the folio, all details pertaining to that folio get pre-filled in the next screen,

i.e., the folio creation screen except the joint holder details. The entire joint holder section is hidden. All

other details pre-filled from the folio are non-editable.

If ‘No’, the distributor will have to enter all the details in the folio selection screen, where an option

to choose single or joint or anyone/survivor holding pattern will be displayed

If Distributor chooses ‘Anyone/Survivor or Joint’, then all the details necessary for this holding pattern are

captured in this screen (as shown below). These details include PAN, Name, DOB, Address, Mobile and

email. All these details are mandatory.

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Step 7: Scheme details

After completing the folio details, you need to enter scheme details that the investor wants to invest in

There is an option to invest in more than one scheme (multiple SIPs) by clicking on the ‘+’ button to

add another scheme

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After you have entered SIP related details, your investor will get an authorization SMS.

In this link, the entire transaction details of SIP including distributor details, investor details, AMC, folio,

scheme and OTM details are displayed, where the investor must provide his/her consent to authorize the

transaction.

Once investor authorizes, he/she will see the screen as shown below:

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Once investor authorizes a transaction, authorization status on the status grid for that transaction will

change to ‘View SIP’. You can click on the ‘View SIP’ link and check the status of the transaction.

Payment Methods

A payment mandate is an instruction provided by the user to debit his/her bank account towards the SIP

instalment. If the investor has a previously registered mandate, the same will be available in the drop down

for selection. If your investor does not have a useable existing mandate, then a new Mandate can be set up

using the following 2 options:

1) eMandate: To register an SIP with a new eMandate, you will need to select the e Mandate option from

the Payment type menu. Once you select the e-mandate option, an SMS and email goes to the investor

to complete the eMandate process with the link.

Once investor clicks the link, investor gets directed to eMandate registration page as below where

investor has to enter all the relevant details.

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In the screen above, the investor enters the email ID, whereas PAN is already pre-filled.

Once email ID is entered & the investor clicks anywhere on this screen, a pop-up as displayed as shown

below wherein the investor has to enter the OTP received to the KRA registered mobile number.

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Once OTP is successfully validated, the investors’ bank details get pre-filled.

A pop-up as shown below is displayed. Wherein the investor is informed on the pre-requisites for an

eMandate set up. All other validations are displayed as below:

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On this(above) screen, details of the investor like PAN, Investor Name, Email ID, Mobile number, bank

name, bank account number, account type, IFSC code, MICR code are pre-filled. The investor has to

manually enter MICR code (optional), Account holder name, Amount, Frequency, ‘Valid from’ and ‘Valid

to’ dates and click on ‘Next’ button.

A preview screen of all the information entered by the investor (in previous screen) is displayed to get

consent from the investor; wherein the investor confirms by clicking on the ‘Confirm’ button.

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Once the ‘Confirm’ button is clicked, the investor gets directed to a page (as shown below) wherein the

investor has to enter his/her Aadhar number and rest of the details are pre-filled. Investor has to proceed

to next page.

In the above screen, the Aadhar number entered on the previous screen gets pre-filled, wherein the investor

has to check on a checkbox to give consent. Once the checkbox is checked, the investor clicks on the

‘Generate OTP’ button. As soon as the button is clicked, the investor gets an OTP from UIDAI on his/her

Aadhar registered mobile number.

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The investor has to then enter the OTP on the screen (as shown above) and click on the ‘Submit’ button.

Once OTP is successfully verified, the investor is directed back to digiSIP page, wherein he/she can go

ahead and enter the scheme related information (as shown below):

On the SIP Confirmation page (as shown below), after entering all details the distributor must click on the

‘I Confirm’ button to submit the SIP.

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2) Net banking: In case, you choose to register the SIP through net banking, you can take the SRN number

from the ‘VIEW SIP’ page and follow-up with the investor to register the SRN number as a biller in

his/her bank.

All details pertaining to the SIP submission need to be filled (as shown below):

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Finally, you have to click on ‘I Confirm’ to submit the SIP (as shown below):

Process for Joint/Anyone/Survival mode of Holding

On clicking the ‘Submit’ button after filling in the scheme and payment details, the flow will check if mode

of holding is ‘Single’ or ‘Joint’ or ‘Anyone/Survivor’

If mode of holding is “Joint” or “Anyone/Survivor” or “Either/Survivor”, an SMS and email is triggered to

all joint holders including the first holder.

i. Once Distributor clicks the ‘Submit’ button, a pop-up message will appear for the distributor as below:

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ii. All holders will get an SMS and email notification as shown below:

The grid view will be as below (containing two or more columns):

On click of the ‘Submit’ button, a row gets populated in this grid, with status as ‘Pending’. Once each of

the holder(s) authorize, the status gets changed to ‘Authorized’ (which is a link) in those respective

columns.

If any of the joint holder or all the joint holders reject the SIP transaction, by clicking on the

‘Cancel/Reject’ button on the link sent, then the status in the grid changes to ‘Rejected’. An SMS and mail

are triggered to the first holder alone stating the message: “<holder name> with PAN <XXXXX****X> has

rejected the SIP transaction in <Scheme Name>”.

You can click on the rejected link and navigate to the scheme selection screen. If you wish to change

anything in the scheme details, then you can change and submit it for re-authorization of all holders.

Once you re-submit (by clicking onto the ‘Submit’ button) in the same row in the grid for approval from

the joint holders, the status in the grid changes from ‘Rejected’ to ‘Pending’ for all columns in the row

where status was initially displayed as ‘Rejected’.

You can click on the authorized link and navigate to the ‘success/failure’ page.

Once the status changes to ‘Authorized’, a ‘Congratulations’ SMS and email is triggered to all the holders

of that SIP.

Note: There could be 2 joint holders also, until both the joint holders approve, the SIP will not be

registered.