There are a few reasons Fold might not be able to discover or link your investment account -
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Depositories (CDSL vs NSDL): Your Demat account is maintained with one of two depositories: CDSL or NSDL. We support both, but NSDL often have more technical issues. If your account is with CDSL (used by brokers like Groww, Zerodha, Dhan), discovery should work more reliably. To check if your Demat account is with NSDL or CDSL please refer to your Demat account number, if it starts with an 'IN' your Demat account is with NSDL, if not your depository is CDSL.
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Technical issues: Sometimes discovery fails due to tech hiccups. This is more common -
- On weekends - both CDSL and NSDL are down. Best time to link is during the weekdays during the daytime.
- During night - Post 9 PM there are high chances of failures. Account Aggregator platforms are actively improving this.
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Account Details: Ensure your PAN and phone number are correctly linked to your investment account. Discrepancies can prevent account discovery.
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Investment Types: If you have only bought mutual funds and not stocks, this may affect the discoverability of your account.
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Recent Account Setup: Newly set up accounts with your broker might take up to a week to become discoverable by Fold due to processing times.
- Account Type: Fold currently supports only individual accounts. If your Demat account is a joint account or belongs to a HUF (Hindu Undivided Family), discovery and linking will not be successful.
- In some cases, trying at different times/days may works.
If none of the above scenarios apply or you continue to face issues, please reach out to us at support@fold.money.