Arthavi vs Groww: Which is Better for Tracking Your Portfolio? (2026)
Groww has made investing accessible to millions of Indians. But "easy to invest" and "accurate to track" are not the same thing. Here's an honest deep-dive into what Groww gives you — and what it quietly misses.
What Groww Is Good At
Groww has done an exceptional job of simplifying mutual fund SIPs, direct plan investing, and stock trading for first-time investors. Its mobile UI is clean, its KYC process is fast, and its onboarding is frictionless. If you're just starting out and want a single app to manage basic SIPs, Groww is a great starting point.
But as your portfolio grows — across multiple SIPs, different fund houses, some stocks from another broker, and maybe older folios from an agent — Groww becomes a partial view at best. Its dashboard only reflects what you bought through Groww.
The Tracking Gap: What Groww Doesn't Tell You
Groww's portfolio view has three fundamental limitations for serious investors:
- It's broker-locked: Mutual funds bought on CAMS, through an agent, or on another platform don't appear.
- Returns are approximated: Groww shows an "Estimated Returns" figure based on simplified CAGR, not true cash-flow XIRR. For staggered SIPs, this gap can be substantial.
- No cross-asset net worth view: Groww cannot combine your stocks (from another broker) with your mutual funds because it has no visibility outside its own platform.
Feature-by-Feature Comparison
| Feature | Arthavi | Groww |
|---|---|---|
| Mutual funds from all AMCs | ✅ All (via investment statement) | ❌ Groww-bought funds only |
| Stocks from other brokers | ✅ Any NSE/BSE holding | ❌ Groww Demat only |
| True XIRR (cash-flow based) | ✅ Per transaction date | ❌ Estimated CAGR only |
| Portfolio Health Score | ✅ Diversification + Risk + Overall | ❌ Not available |
| AI Chat with portfolio | ✅ Ask AI anything in plain English | ❌ Not available |
| Smart Insights (auto-generated) | ✅ Warnings, tips, alerts | ❌ Not available |
| Privacy Mode | ✅ One-tap blur for all values | ❌ Not available |
| Biometric App Lock | ✅ Face ID / Touch ID | ⚠️ Standard broker 2FA only |
| Daily Market Prediction | ✅ Nifty 50 Bull/Bear with streaks | ❌ Not available |
| Weekly wealth email | ✅ P&L + AI summary | ⚠️ Generic marketing emails |
| Ads and product upselling | ❌ Never | ⚠️ In-app ads and offers |
| Trade / SIP execution | ❌ Tracking only | ✅ Full SIP and stock trading |
| Cost | ✅ Free | ✅ Free (brokerage on trades) |
The Privacy Angle: What Groww Does With Your Data
Groww is a SEBI-registered broker, so your financial assets are protected under SEBI regulations. However, Groww's business model is advertising and cross-selling financial products — insurance, loans, fixed deposits — based on your investment profile. Your portfolio data informs those product recommendations. This isn't illegal, but it's worth knowing.
Arthavi's model is fundamentally different. It has no financial products to sell. It has no advertisers. Your portfolio data is used exclusively to power the analytics you see — nothing else.
How to Import Your Groww Mutual Funds into Arthavi
You don't need to export anything from Groww directly. Mutual funds bought on Groww are registered with CAMS or KFintech — the same registrars behind every mutual fund in India. Here's how:
- Go to camsonline.com or kfintech.com and log in with your PAN-linked email.
- Download your Investment Statement (CAS) — a PDF that includes ALL your mutual fund folios from all platforms.
- Import it into Arthavi. Your Groww SIPs appear alongside any other funds you own.
Frequently Asked Questions
Can Groww show me XIRR for my SIPs?
Groww shows an estimated CAGR, not true cash-flow XIRR. For SIPs with different amounts and dates, this can understate or overstate actual returns by several percentage points. Arthavi computes the correct XIRR using every transaction.
Does Groww track stocks I bought elsewhere?
No. Groww only shows holdings on its own Demat account. Arthavi lets you add stocks from any broker — Zerodha, Angel One, ICICI Direct, or others. If you use both, read our guide on tracking Zerodha and Groww together.
What does Arthavi do that Groww can't?
True XIRR, unified multi-broker view, Portfolio Health Score, AI Chat, Smart Insights, Privacy Mode, Biometric Lock, Weekly Wealth Emails, Daily Market Prediction — and zero ads.
How do I import my Groww mutual funds into Arthavi?
Download your Investment Statement (CAS) from CAMS or KFintech. It includes all your Groww funds. Import this into Arthavi — no Groww account access needed.
Should I stop using Groww if I use Arthavi?
No. Keep investing on Groww. Use Arthavi to understand your wealth. They serve different purposes and work well together.
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