There are several reasons why Fold might not be able to discover or link your investment account -
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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.
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Depositories: Your Demat account is maintained with one of two depositories: CDSL or NSDL. We support both, but NSDL may have ongoing technical issues requiring multiple discovery attempts. Accounts with CDSL (used by brokers like Groww, Zerodha, and Dhan) should face fewer issues. 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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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.
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Technical Issues: Sometimes, connection failures are due to technical glitches. If you suspect this, please try again later.
If none of the above scenarios applies or you continue to face issues, please reach out to us at help@fold.money.