How to use RefCursor to return millions of records

Question

I have a stored Procedure which returns a RefCursor. Following is the query which is used to open the RefCursor. this query gets executed in 7 seconds and it returns 13,00,000 records. It takes hours to show them in the dotnet application.
SELECT      
     CO.COMPANY_ID AS COMPANY_ID,      
     PCH.HOLDING_ID AS HOLDING_ID,           
     CO.NAME AS FIRM_NAME,
     PCC.NAME AS "Sub-Account Name",
     PCC.PORTFOLIO_CLASS_NAME AS "Sub-Account Type",
     H.COUPON_RATE AS COUPON_RATE,
     NVL(TO_CHAR(H.COUPON_RATE),F_GETCODE(H.COUPON_STRUCTURE_ID,'CPN')) AS COUPON_FIELD,      
     TO_CHAR(H.MATURITY_DATE,'DD-MON-YYYY') AS MATURITY_DATE,      
     CO.ALPHA_NAME AS ALPHA_NAME,      
     H.ISSUER_NAME AS ISSUER_NAME,      
     H.ISSUER_ALPHA_NAME AS ISSUER_ALPHA_NAME,      
     PCH.FI_PAR_AMOUNT AS "Currency Par (000s)",      
     PCH.FI_NET_CHANGE AS "Net Change (000s)",      
     PCH.FI_BONDS_HELD AS "# of Bonds Held",      
     TO_CHAR(CO.REPORT_DATE,'DD-MON-YYYY') AS REPORT_DATE,      
     H.NAME AS ISSUEDESC,          
     H.ISSUER_COUNTRY_NAME AS ISSUER_COUNTRY_NAME,      
     F_GETCODE(H.ISSUER_STATE_ID,'S') AS ISSUER_STATE_NAME,      
     TO_CHAR(H.ISSUE_DATE,'DD-MON-YYYY') AS ISSUE_DATE,      
     H.LEAD_MANAGER AS LEAD_MANAGER,      
     H.CURRENCY_CODE AS CURRENCY_CODE,      
     PCH.MARKET_SECTOR_CODE AS MARKET_SECTOR_CODE,      
     H.CUSIP AS CUSIP,      
     H.ISIN AS ISIN,      
     H.ISSUER_TICKER_SYMBOL_TEXT AS "Primary Exchange Equity Ticker",      
     H.PLEDGE_NAME AS "Instrument/Pledge",      
     H.COLLATERAL_NAME AS "Collateral/Purpose",      
     H.ISSUER_CREDIT_SECTOR_NAME AS "Issuer Credit Sector",      
     H.COUPON_STRUCTURE_NAME AS "Coupon Structure",      
     H.SP_RATING_NAME AS "SP Rating",      
     H.MOODYS_RATING_NAME AS "Moodys Rating",      
     H.FITCH_RATING_NAME AS "Fitch Rating" ,      
     P.HONORIFIC_PREFIX_CODE AS HONORIFIC,      
     P.FIRST_NAME AS FIRST_NAME,      
     P.MIDDLE_INITIAL AS MIDDLE_INITIAL,      
     P.LAST_NAME AS LAST_NAME,      
     P.DISPLAY_FUNCTION_NAME AS Title,      
     P.DIRECT_DIAL_PHONE AS "DIRECT DIAL PHONE",      
     D.PHONE_CODE AS "Country Phone Code",      
     P.EMAIL_ID AS "Email Address",      
     CO.MAIL_ADDRESS_LINE1 AS MAIL_ADDRESS_LINE1,      
     CO.MAIL_ADDRESS_LINE2 AS MAIL_ADDRESS_LINE2,      
     CO.MAIL_CITY_NAME AS MAIL_CITY_NAME,      
     CO.MAIL_STATE_CODE AS MAIL_STATE_NAME,      
     CO.MAIL_ZIP_CODE as "Firm Postal Code",      
     CO.LOC_ADDRESS_LINE1 AS LOC_ADDRESS_LINE1,      
     CO.LOC_ADDRESS_LINE2 AS LOC_ADDRESS_LINE2,      
     CO.LOC_CITY_NAME AS LOC_CITY_NAME,      
     CO.LOC_STATE_CODE AS LOC_STATE_NAME,      
     CO.LOC_ZIP_CODE,      
     CO.LOC_COUNTRY_NAME AS LOC_COUNTRY_NAME,
     C.PHONE_CODE AS "Firm Country Phone Code",      
     CO.PHONE_NUMBER AS PHONE,      
     CO.FAX_NUMBER AS FAXNO,           
/*     COUNT(PCH.COMPANY_ID) OVER (PARTITION BY PCH.COMPANY_ID ORDER BY PCH.COMPANY_ID) AS ROW_CNT,      
     COUNT(DISTINCT CO.COMPANY_ID) OVER() AS FIRMCOUNT,      
     COUNT(DISTINCT CO.COMPANY_ID) OVER() AS TOTAL_RECORDS,
     COUNT(DISTINCT PCC.PORTFOLIO_COMPANY_CUSTOMER_ID) OVER(PARTITION BY CO.COMPANY_ID) AS FUNDCOUNT,
     COUNT(DISTINCT PCC.PORTFOLIO_COMPANY_CUSTOMER_ID) OVER() AS FUNDPORTFOLIOCOUNT,
     COUNT(DISTINCT H.HOLDING_ID) OVER(PARTITION BY CO.COMPANY_ID,PCC.PORTFOLIO_COMPANY_CUSTOMER_ID) AS ISSUECOUNT,
     PCC.PRIVATE_PORTFOLIO_FLAG,      
     PCC.TOP_TEN_HOLDINGS_FLAG ,
TO_CHAR(SYSDATE,'DD/MM/YYYY HH:MM:SS') TI
FROM      
     PORTFOLIO_COMPANY_HOLDING PCH,      
     HOLDING H,      
     COMPANY CO,      
     PORTFOLIO_COMPANY_CUSTOMER PCC,      
     PERSON P ,      
     PERSON_PORTFOLIO PP,      
     COUNTRY C,      
     COUNTRY D
WHERE      
     PCH.HOLDING_ID=H.HOLDING_ID
     AND PCH.COMPANY_ID=CO.COMPANY_ID
     AND PCH.PORTFOLIO_COMPANY_CUSTOMER_ID=PCC.PORTFOLIO_COMPANY_CUSTOMER_ID
     AND P.EMPLOYEE_ID = PP.EMPLOYEE_ID
     AND CO.COMPANY_ID=PP.COMPANY_ID
     AND CO.COMPANY_ID=PCC.COMPANY_ID
     AND PCC.PORTFOLIO_COMPANY_CUSTOMER_ID = PP.PORTFOLIO_COMPANY_CUSTOMER_ID
     AND     C.COUNTRY_ID = CO.LOC_COUNTRY_ID
     AND D.COUNTRY_ID= P.COMPANY_LOC_COUNTRY_ID
     AND     P.DISPLAY_COMPANY_CONTACT_FLAG = 'Y'
     AND PCH.HOLDING_ID IN ( SELECT HOLDING.HOLDING_ID FROM MV_BOND HOLDING WHERE HOLDING.LANGUAGE_ID=2 AND INSTR(PATTNO_STRING,',96,')>0
--          AND (((HOLDING.MARKET_SECTOR_ID) IN (8209) )
          AND (((HOLDING.CURRENCY_ID) IN (10000003) )
     )

Answer 1

i ran the query in TOAD it got executed in 7 seconds. but when i used the same query in stored procedure it was taking lot of time to complete pushing the data to the application. Need your help to tune the query.