Folio number, scheme code, ISIN — what each identifies

Three different identifiers for three different things. Knowing which is which makes CAS and AMC sites navigable.

ProfitGuruOnline · Editorial Desk

3 min read Last reviewed 8 Jun 2026 2 primary sources

Mutual fund statements throw around three identifiers — folio number, AMFI scheme code, and ISIN — and it's easy to confuse them. Each identifies a different thing.

Folio number — identifies you at an AMC

Your folio number is the AMC's customer-account identifier for you. Every AMC issues its own — you typically have one folio per AMC across all their schemes (some AMCs allow multiple folios; most don't).

The folio number is what KYC ties to. If you buy 5 different schemes from HDFC AMC, all 5 holdings sit under the same folio.

Scheme code — AMFI's scheme identifier

AMFI assigns every mutual fund scheme a 5-digit numeric scheme code. The scheme code identifies the scheme as a whole, regardless of plan (Direct / Regular) or option (Growth / IDCW).

Scheme codes are stable across the scheme's lifetime. You can look up a scheme by its code on AMFI's NAVAll.txt feed — that's the canonical mapping used by data aggregators, including this site.

ISIN — identifies a specific plan + option

ISIN (International Securities Identification Number) is a 12-character alphanumeric code issued by NSDL. Unlike scheme code, ISIN is plan-and-option specific:

HDFC Top 100 Fund — Regular Plan — Growth: one ISIN.
HDFC Top 100 Fund — Direct Plan — Growth: a different ISIN.
HDFC Top 100 Fund — Direct Plan — IDCW: yet another ISIN.

So one scheme can have 4-6 ISINs depending on how many plan/option combinations exist.

The ISIN format

Indian mutual fund ISINs follow the pattern INFnnnAaaaaa:

INF — country code for India (mutual fund subset).
nnn — 3-character AMC code (e.g. 109 for ICICI Pru, 174 for Kotak, 200 for SBI).
A — 1-character series code.
aaaaa — 5-character scheme + plan identifier.

The last character is a check digit. Example: INF200K01T28 is SBI Small Cap Fund Regular-Growth.

Where each appears on CAS

Folio: at the top of each AMC's section on CAS.
Scheme code: typically embedded in the scheme name row, not always called out separately.
ISIN: usually a column or sub-row under each scheme line.

Why this matters

When using portfolio-tracking tools, importing CAS files, or filing capital gains in ITR-2 (which asks for per-ISIN data), getting the right identifier matters. The ISIN is the most precise — knowing it lets you unambiguously identify which plan you held.