How to Track Stocks and Mutual Funds in One Place (India 2026)
Written by Tejas Chaudhari
FinTech enthusiast with 5+ years in Indian markets • Last Updated: April 25, 2026
Do you check your Zerodha app to see your stocks, toggle to Groww for your SIPs, and then open an Excel sheet to calculate your total net worth?
You are not alone. The average Indian investor in 2026 has accounts with at least two brokerage firms and multiple mutual fund folios. While diversification is good for your wealth, it is a nightmare for tracking it.
How to track mutual funds and stocks in one place: 3 best methods
If you want a unified view of your entire portfolio, here are the three primary approaches you can take in 2026:
- 1. Consolidated Account Statements (CAS): The most secure and accurate method. Download a single statement from CAMS/KFintech and upload it to a privacy-first tracker like Arthavi.
- 2. Third-Party Apps (Automated): Apps like INDmoney, Groww, or Kuvera automate tracking but often require you to grant read-access to your personal Gmail account.
- 3. Excel/Spreadsheet Tracking: The traditional manual method where you log every SIP and stock purchase yourself. Great for privacy, terrible for automation.
Table of Contents
The Problem: "Wealth Fragmentation"
As you grow your wealth, your investments naturally scatter. You might have:
- Stocks in a Demat account (e.g., Zerodha, Angel One).
- Mutual Funds in a different app (e.g., Groww, Coin) or physical folios.
- Gold/SGBs in a bank account.
This fragmentation leads to three major issues:
- No True Net Worth: You never know exactly how much you have at any given second.
- Hidden Overlap: You might own HDFC Bank via direct stock AND via three different mutual funds without realizing it.
- XIRR Blindspots: Brokerage apps show simple returns (Absolute %), which hides the impact of time on your SIPs. You need XIRR (Extended Internal Rate of Return) to know your real performance.
Best Tools to Track Portfolio in India (2026)
If you're wondering what the best apps to track your portfolio are, here is a breakdown of the top tools available for Indian investors:
- Arthavi: Best for privacy-conscious investors. Uses local CAS parsing instead of email reading. It offers advanced XIRR and has zero ads.
- INDmoney: Popular for complete automation and US stocks tracking. However, it requires you to connect your Gmail account for auto-tracking, and it aggressively cross-sells loans and other products.
- Kuvera: Good for direct mutual fund investments. It also offers portfolio tracking via email or CAS upload.
- Groww & Zerodha: Excellent brokers, but they only provide a unified view of investments made through their respective platforms. They are not true unified trackers.
| Feature | Typical Free Trackers (e.g. INDmoney) | Excel | Arthavi |
|---|---|---|---|
| Unified View | Yes | Yes (Manual) | Yes |
| Privacy | Low (Reads Emails) | High | High (Local Parse) |
| Automation | High | None | Medium (CAS Upload) |
| XIRR Calculation | Basic | Manual Formulas | Advanced |
| Ads | Yes | No | No |
Data Privacy & Security: The Danger of "Email-Reading" Trackers
Many popular apps offer to "automatically" track your wealth. They do this by asking for permission to read your emails or scan your SMS for transaction alerts.
Security Warning: Giving a third-party app read-access to your primary email (linked to your bank) is a significant security risk. It can expose sensitive banking alerts, OTPs, and personal communications.
While convenient, this exposes you to significant risks:
- Data Selling: "Free" products often sell anonymized transaction data to loan companies.
- Privacy Invasion: They scan through personal emails to find financial statements.
- Ad Clutter: You are bombarded with "better loan" offers based on your portfolio size.
There is a better way. You can have automation without giving up privacy, as advised by regulatory bodies like SEBI and AMFI who emphasize securing your personal financial data.
The Solution: CAS-Based Tracking
The safest, most accurate way to track mutual funds in India is via the Consolidated Account Statement (CAS).
A CAS is a government-regulated document issued by depositories (CDSL/NSDL) or RTAs (CAMS/KFintech). It contains legitimate records of every single unit you own across ALL brokers.
Why CAS is Superior?
- 100% Accurate: It comes directly from the backend of the mutual fund registry.
- Broker Agnostic: It includes funds bought on Zerodha, funds bought via an agent, and funds bought directly on an AMC website.
- Secure: You download the file. You upload the file. No passwords shared.
Introducing Arthavi: The Privacy-First Tracker
Arthavi was built to solve the fragmentation problem without becoming a data leech. It is a unified dashboard designed for the modern Indian investor, ensuring you can safely track mutual funds and stocks in one place.
How to Track Everything in 3 Steps
Step 1: Upload Your CAS
Instead of asking for your email password, Arthavi asks for your CAMS/KFintech CAS file. Our local engine parses the file entirely in your browser to reconstruct your transaction history without sending data to our servers.
Step 2: Add Your Stocks
Use Bulk Import for accurate tracking of long-term holdings. Arthavi fetches real-time prices from NSE/BSE, so your dashboard is always current.
Step 3: Get Insights with "Ask AI"
Once your data is in, Arthavi lets you talk to your data. Ask: "What is my exposure to banking stocks?" or "What is the XIRR of my SIPs?"
Frequently Asked Questions (FAQs)
Is it safe to use portfolio trackers that read emails?
It carries significant risks. Giving an app read-access to your email can expose sensitive banking alerts, OTPs, and personal data. It is safer to use file-upload based trackers like Arthavi.
How to track mutual funds and stocks in one place?
The best way is to use a Consolidated Account Statement (CAS) from CAMS or KFintech, and upload it to a unified portfolio tracker like Arthavi. This avoids sharing your email or broker passwords.
Can I track my entire family's portfolio together?
Yes, by generating CAS statements for different family members (using their respective PAN cards) and uploading them to a multi-portfolio tracker like Arthavi.
What is the difference between simple return and XIRR?
Simple returns just show absolute profit percentage. XIRR (Extended Internal Rate of Return) accounts for the time factor of your investments, which is crucial for accurately measuring the performance of monthly SIPs.
Do I need to pay to track my portfolio on Arthavi?
Arthavi provides core tracking and analytics for free, empowering you to safely take control of your financial data without the worry of ads or hidden fees.
Conclusion: Stop Trading Privacy for Convenience
You work hard to build your wealth; you shouldn't have to expose it to track it. By using a CAS-based tracker like Arthavi, you get the best of both worlds: a professional, unified dashboard for your Stocks and Mutual Funds, and the peace of mind that your data remains yours.
Ready to see your clear financial picture?
Join other smart Indian investors tracking their wealth securely.
Start Tracking Free