Arthavi vs Dezerv: Portfolio Tracking vs Managed Wealth — What's Right for You? (2026)

Dezerv and Arthavi operate in entirely different lanes. Dezerv manages your money. Arthavi tracks it. The real question is: if someone else is managing your portfolio, do you still need to understand what's happening inside it?

What Dezerv Does

Dezerv is a SEBI-registered Portfolio Management Service (PMS) and investment advisory platform. It creates expert-curated, actively managed mutual fund portfolios for Indian investors — typically with a minimum investment of ₹10 lakhs and above. Their team of advisors designs you a personalised allocation, rebalances periodically, and handles execution.

For investors who don't want to study funds themselves, Dezerv's managed approach removes decision fatigue. You pay a management fee and trust the process.

What Arthavi Does

Arthavi is a free portfolio analytics platform. It doesn't touch your money — it reads your investment statement, calculates your true XIRR, scores your portfolio's health, and gives you AI-powered analysis. Whether your funds were bought through Dezerv, Zerodha, Groww, or directly from an AMC, Arthavi sees all of them in one unified view.

The Gap Dezerv Doesn't Fill

Dezerv's performance metrics only cover the funds they manage. If you use Dezerv for a portion of your wealth but still hold stocks, EPF, or other mutual funds from before you joined Dezerv — none of those appear in their dashboard. Your real net worth and true XIRR remain invisible.

Even for funds Dezerv manages, their return figures reflect their managed basket only. Arthavi lets you cross-verify this with an independently calculated XIRR using CAS data — the authoritative record from CAMS or KFintech.

Feature Comparison: Arthavi vs Dezerv

The Gap Arthavi Fills That Dezerv Ignores

Dezerv's dashboard shows you the performance of the portfolio they manage. But if you have any other investments — older SIPs, stocks, EPF, funds from before you joined Dezerv — those are completely invisible. You cannot know your true net worth or overall XIRR from inside Dezerv.

Arthavi gives you that complete picture. Import your full CAS and all your Dezerv-managed funds appear alongside everything else you own. You get your real net worth, independently calculated XIRR, Portfolio Health Score, and AI analysis — all without waiting for a quarterly adviser call.

More importantly: Arthavi lets you verify Dezerv's returns independently. Since your CAS is the authoritative source from CAMS/KFintech, you can cross-check whether the performance figures in the Dezerv app match what the registrar holds. That kind of independent oversight is something every serious investor should have — even if they trust their advisor completely.

The Smart Setup: Dezerv + Arthavi Together

The most powerful combination is using Dezerv for what it does best — expert allocation and rebalancing — while using Arthavi to independently verify your returns and see how the managed portfolio fits within your total wealth picture.

Import your CAS from CAMS and you'll see your Dezerv-managed funds right alongside your other holdings. Use Arthavi's Ask AI to ask: "Is my Dezerv allocation making my overall portfolio too risky?" or "What is my total XIRR across everything I own?"

Frequently Asked Questions