How to Track All Your Indian Stocks and Mutual Funds in One Place (Safely)
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.
Most "free" apps promise to solve this by asking you to sync your email or SMS. But is that safe?
In this guide, we will explore the best way to consolidate your portfolio into a single, unified view—without compromising your privacy.
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.
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.
While convenient, this exposes you to significant risks:
- Data Selling: "Free" products often sell anonymized transaction data to loan companies.
- Security Breaches: Giving a third-party app read-access to your primary email (linked to your bank) is a security purpose.
- 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.
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.
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 in your browser to reconstruct your entire transaction history.
Step 2: Add Your Stocks
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?"
Feature Comparison: Arthavi vs. Others
| Feature | Typical Free Trackers | 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 |
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