Arthavi vs Zerodha: Which is Better for Tracking Your Portfolio? (2026)
Zerodha is India's most popular discount broker — and for good reason. But when it comes to understanding your complete financial picture, Zerodha alone leaves critical gaps. Here's a honest, in-depth comparison.
The Core Difference: Trading vs Tracking
Zerodha (Kite + Coin + Console) is built for executing investments — buying stocks, SIP mandates, and IPO applications. Arthavi is built for understanding investments — calculating true returns, spotting risk, and getting AI-driven answers about your wealth.
This isn't a rivalry. Most serious investors use both together: Zerodha for transacting, Arthavi for analytics. The question is — what can Zerodha's Console dashboard actually do versus what Arthavi offers?
Feature-by-Feature Comparison
| Feature | Arthavi | Zerodha (Console/Coin) |
|---|---|---|
| Stocks from any broker | ✅ All brokers (manual import) | ❌ Zerodha holdings only |
| Mutual Funds (all AMCs) | ✅ Via investment statement (CAS) | ⚠️ Zerodha Coin funds only |
| True XIRR calculation | ✅ Per-transaction date | ❌ Absolute / simplified returns |
| Portfolio Health Score | ✅ 0–100 with risk & diversification | ❌ Not available |
| AI Chat (Ask AI) | ✅ Natural language portfolio Q&A | ❌ Not available |
| Smart Insights (auto-generated) | ✅ AI warnings, alerts, tips | ❌ Not available |
| Daily Market Prediction | ✅ Bull/Bear vote with streaks | ❌ Not available |
| Biometric App Lock | ✅ Face ID / Touch ID (WebAuthn) | ⚠️ Standard broker 2FA only |
| Privacy Mode (blur values) | ✅ One-tap blur | ❌ Not available |
| Weekly email snapshot | ✅ P&L + AI highlights | ❌ Not available |
| Trade execution | ❌ Tracking only | ✅ Full order management |
| Ads / product upsells | ❌ None ever | ⚠️ Occasional product nudges |
| Cost | ✅ 100% Free | ✅ Free (brokerage on trades) |
Where Zerodha Excels
Zerodha Kite is unquestionably India's best trading interface. It offers advanced charting, fast order execution, a clean UI, and competitive brokerage. Zerodha Console also provides a solid P&L view and tax reports for holdings you've transacted on through them. If you're an active trader who primarily buys stocks via Zerodha, Console handles your trade history well.
Where Zerodha Falls Short for Wealth Tracking
The problem arises when your world grows beyond Zerodha. If you have SIPs running on Groww or CAMS, older folios from an agent, or stocks on a second Demat account — Console becomes blind to all of it. Zerodha's XIRR calculation also shows simplified returns, not true cash-flow-based XIRR. For SIP investors, this gap between "absolute returns" and real XIRR can be as large as 8–12 percentage points.
There is no Portfolio Health Score. No AI chat. No diversification analysis. Console is built to show you what you traded, not how your wealth is structured.
The Recommended Setup: Use Both
The highest-leverage setup for a Zerodha user:
- Keep trading stocks and managing SIPs on Zerodha Kite + Coin.
- Every month, export your holdings CSV from Zerodha Console → Portfolio → Holdings.
- Import it into Arthavi alongside your mutual fund investment statement.
- Use Arthavi's Ask AI to ask: "Is my portfolio beating Nifty 50?" or "Am I over-exposed to banking?"
You get the best execution platform + the best analytics platform — at zero additional cost.
Frequently Asked Questions
Can I use Arthavi and Zerodha together?
Yes — and this is the recommended setup. Trade on Zerodha Kite. Export your holdings CSV from Zerodha Console and import into Arthavi for unified tracking.
Does Zerodha have a Portfolio Health Score?
No. Zerodha Console shows basic holdings and P&L. Portfolio Health Score, Diversification Score, and Risk Score are Arthavi-exclusive features.
Which calculates XIRR better — Zerodha or Arthavi?
Arthavi uses per-transaction cash-flow XIRR — the mathematically correct method for SIP investors. Zerodha shows simplified absolute or CAGR-style returns.
Does Zerodha track mutual funds from all AMCs?
No. Zerodha Coin only tracks funds purchased through Coin. Arthavi consolidates all mutual funds from any AMC, broker, or physical folio via your investment statement (CAS).
Is Arthavi safe compared to Zerodha?
Both are safe in different ways. Arthavi never holds credentials — it only accepts exported files which are parsed locally. Zerodha requires your login for trading, which is standard for a broker.
Compare with Other Trackers
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Import your holdings in under 2 minutes. No broker linking needed. Using Groww too? Read how to track Zerodha and Groww together.
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