Money Clarity

Investment tracker app India: money in vs what it is worth

People who type "investment tracker app India" into a search bar usually want one number: what everything they own is worth today. That is the harder half. The easy half is already in your bank statement. Every SIP debit, every share purchase, every FD booking and every dividend credit passes through a bank account with a date and an amount. None of those lines says what the money became.

So most people carry two numbers that never agree. One is the total that went in, added up from debits. The other is a value split across four places: a statement from each fund house, a broker's holdings screen, an FD receipt, and a gold balance with a provider. The first is exact and looks backwards. The second is a reading on one date, and it moves.

The common mistake is reading the first number as if it were the second. In the worked example below, Rs 10,000 a month into one fund for 24 months is Rs 2,40,000 of debits. At month 15 the debits had bought Rs 1,34,760 of units against Rs 1,50,000 paid. At month 24 the units were worth Rs 2,53,875. The debit was the same Rs 10,000 every single month. Only one of the two views would have shown you that anything happened.

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Last reviewed 2026-10-09

Why your investments never add up to one number

The technique

Four statements, four meanings of invested

A fund statement shows the cost of units you still hold. A broker shows an average buy price per share. An FD receipt shows principal and a maturity amount. A bank statement shows every rupee that moved. Each is correct on its own terms, and none of them is the same quantity as another.

A typical salaried investor in India does not hold one portfolio. They hold an SIP in one fund house and another in a second, shares in a demat account opened through a broker, an FD booked in the bank's app, and perhaps some gold bought in small amounts. Each reports on its own schedule and uses the word invested to mean something slightly different.

That is why adding them up feels harder than it should. You are not adding four numbers of the same kind. You are adding a cost from one statement, an average buy price from another, a principal from a receipt and a debit total from your bank, then wondering why the answer does not match anything you see anywhere.

A fund statement's invested figure is the cost of units you still hold, so it falls when you redeem even though the debits in your bank account never change; the redemption example in the SIP section shows a Rs 1,014 gap from a single sale
A broker's holdings screen shows shares at their average buy price, which says nothing about the dividends that came out of them or what the money did before you bought
An FD receipt shows the principal and the maturity amount; between those two dates no document shows the interest building up unless you work it out yourself
Your bank statement has every rupee that moved and nothing about prices

Transaction view vs holdings value

The technique

Cost is a fact, value is a reading

What went in never changes once it has gone in. What it is worth changes every trading day and is only known from a statement priced on a date. Treating the two as one number is how a portfolio that is down looks fine, and how one that is up looks flat.

The transaction view is a list of what moved: SIP debits, share purchases, FD bookings, dividend and interest credits, redemption proceeds. It comes from bank alerts and statements, it is current the day money moves, and it cannot be wrong about what left your account. It cannot see a price.

The holdings view is what you own multiplied by a price on a date: units times NAV, shares times the market price, an FD's principal plus interest accrued. It needs a statement from the institution that holds the asset, and it is only true for the date it was priced.

For mutual funds and demat holdings there is an official way to get the holdings view in one document. The KFintech investor portal describes a mailback Consolidated Account Statement that CAMS and KFintech provide together: if your email address is registered in your folios across funds they service, you can request one PDF covering those folios, as a summary or a detailed statement, for the current financial year, the previous one or a specific period, with an option to include zero-balance folios. It arrives at your registered email, protected by a password you set when you ask for it.

If you have a demat account, the depositories also send a CAS that combines your demat holdings with your mutual fund folios matched on PAN. A SEBI circular effective from 14 May 2025 says this CAS is generated monthly and emailed within 12 days of the month end, or within 15 days for those who chose a physical copy. In a month with no transaction in any demat account or folio, the holdings CAS comes half-yearly, in April and October.

	Transaction view	Holdings view
Comes from	Bank and card alerts, bank statements	CAS, fund house, broker, bank FD receipt
Updated	With each debit or credit	Monthly CAS by day 12, half-yearly if no activity
Exact about	Money in and out, with dates	Units and prices on one date
Blind to	Prices, switches, bonus units	FDs, gold held by a provider

CAS timelines from the SEBI circular cited below; mailback CAS options from the KFintech investor portal.

Track mutual funds and SIP from the debits

Take one illustrative fund and a Rs 10,000 SIP on the same date for 24 months. The NAV starts at Rs 100, climbs to Rs 112 by month 8, slides to Rs 92 by month 15 and ends at Rs 108.

The transaction view of this SIP is 24 identical debits. Added up, it says Rs 2,40,000. The holdings view is the units those debits bought, 2,350.70 of them by month 24, multiplied by whatever the NAV is on the day you look. The table reads both views every three months.

Month	Invested so far	NAV	Value	Value minus invested
3	Rs 30,000	Rs 105	Rs 30,794	+Rs 794
6	Rs 60,000	Rs 110	Rs 63,023	+Rs 3,023
9	Rs 90,000	Rs 109	Rs 92,002	+Rs 2,002
12	Rs 1,20,000	Rs 97	Rs 1,10,900	-Rs 9,100
15	Rs 1,50,000	Rs 92	Rs 1,34,760	-Rs 15,240
18	Rs 1,80,000	Rs 99	Rs 1,75,752	-Rs 4,248
21	Rs 2,10,000	Rs 102	Rs 2,11,079	+Rs 1,079
24	Rs 2,40,000	Rs 108	Rs 2,53,875	+Rs 13,875

Illustrative NAV path, not a forecast or a quote. Rs 10,000 invested at the start of each month; value at that month's NAV. Ignores stamp duty and exit load.

Redeem Rs 30,000 at month 18 and the bank shows one credit, but the fund statement typically removes the cost of the oldest units first. Those 303.03 units cost Rs 31,014, so the statement's invested figure becomes Rs 2,08,986 while debits less the credit come to Rs 2,10,000; the Rs 1,014 gap is the loss realised on that sale
A switch from one scheme to another inside the same fund house is a sale and a purchase that never touch your bank account, so the transaction view does not see it
A failed SIP debit appears as a return or a bounce on the bank statement, so count instalments from debits that stayed in place rather than multiplying the mandate amount by the number of months

Invested amount is not return

The technique

Value minus cost, measured on a date

A return is a comparison between two numbers on a stated date: what the holding is worth, and what was paid for it, with each payment weighted by how long it has been invested. Drop the date or the weighting and the same SIP can read as a gain, a loss or a much smaller gain.

At the end of month 24 the units are worth Rs 2,53,875 against Rs 2,40,000 paid in. The difference is Rs 13,875, or 5.78 percent of what was invested. It is correct, and easy to misread in two opposite ways.

The first misreading is to divide it by two and call it 2.89 percent a year. That treats every rupee as if it had been invested for two years. It was not: the first instalment had 24 months, the last had one, and the average rupee was in the fund for about 12.5 months. Measured as an annual rate on money that went in at different dates, the way an XIRR is calculated, the same SIP comes to 5.50 percent a year. That is the figure you would compare with a deposit rate, and it is still only true for that one date.

The second misreading is to treat the invested total as a floor, as if the value cannot fall below what went in. In 10 of the 24 months it was below. At month 15 the SIP was down Rs 15,240, or 10.16 percent, while the bank statement showed nothing but another Rs 10,000 debit. And although the NAV ended 8.00 percent above where it began, the SIP made less than that, because a large share of the money went in during months 5 to 9 when the NAV was above where it finished.

The same SIP, read on two dates

Month 15: invested: Rs 1,50,000
Month 15: value at NAV Rs 92: Rs 1,34,760
Month 15: value minus invested: -Rs 15,240, or -10.16%
Month 24: invested: Rs 2,40,000
Month 24: value at NAV Rs 108: Rs 2,53,875
Month 24: value minus invested: +Rs 13,875, or 5.78%
Month 24: annualised on dated debits: 5.50% a year

Illustrative path. No figure here predicts the next 24 months; it describes one path read on two dates.

The XIRR-style figure is the rate at which 24 debits of Rs 10,000 would have to grow to reach Rs 2,53,875 by the end of month 24; it is how to compare an SIP with a deposit, not a promise about the future
A gain is not income until units are sold, and a sale is taxed in ways that depend on the type of fund and how long the units were held, so check current rules before counting a gain as money you have
Checking value every day mostly shows noise; a monthly reading, on the date the CAS arrives, is enough to see the trend without reacting to every move in the NAV

Dividend tracker India: income is not gain

Dividends are the one part of a portfolio that does show up in the transaction view, which is why they get overweighted.

In the example, shares bought before the 24 months for Rs 1,50,000 paid four dividends into the bank account: Rs 1,800 in month 3, Rs 2,250 in month 9, Rs 1,950 in month 15 and Rs 2,400 in month 21. That is Rs 8,400, or 5.60 percent of cost over the two years, about 2.80 percent a year. Over the same period the shares fell in value to Rs 1,41,000, down Rs 9,000 or 6.00 percent. Dividends plus price change come to a loss of Rs 600, or 0.40 percent. A dividend tracker that only adds up credits would have reported Rs 8,400 of income and nothing else.

Funds work differently again. Under the payout option, called IDCW for income distribution cum capital withdrawal, the payout comes out of the scheme's own assets. Hold 1,000 units at a NAV of Rs 20, worth Rs 20,000, and a payout of Rs 2 a unit credits Rs 2,000 to your bank. The NAV drops to Rs 18 and the units are worth Rs 18,000. Rs 18,000 plus Rs 2,000 is still Rs 20,000: your own money has moved from the fund to your account, and the bank statement records it as income.

Dividend credits usually carry the company's or registrar's name and a word like DIV in the narration; tag them as investment income, separate from salary and refunds, so they are not mistaken for either
Dividends are taxable in your hands, and tax may be deducted before payment, so the credit can be smaller than the dividend declared; the deducted amount appears on your annual tax statement
Under the growth option a fund pays nothing out, so the transaction view shows no income at all from it; that is not a sign that it earned nothing

FDs: the investment that hides its interest

A fixed deposit looks simple to track, and in the transaction view it is the hardest. Book Rs 1,00,000 for three years at an illustrative 7 percent, compounded quarterly, with interest paid at maturity. The bank statement shows one debit of Rs 1,00,000 and then nothing for 36 months.

By the end of month 24 that deposit is worth Rs 1,14,888, with Rs 14,888 of interest accrued and not a rupee of it credited. At maturity it pays Rs 1,23,144. Book the same deposit with quarterly payout instead and the bank credits Rs 1,750 every quarter, eight credits or Rs 14,000 in 24 months, all visible in the transaction view exactly like dividends. The two earn almost the same; the Rs 888 gap over two years is interest on interest. One is invisible to anything that reads only transactions.

FDs also sit outside the CAS. A bank deposit is not held in a demat account or a fund folio, so neither statement includes it, and its value has to be worked out from the receipt. The same is true of gold bought through a digital gold provider, which is held in that provider's account; what a gold SIP buys and is worth is covered on the digital gold SIP page.

Banks generally deduct tax on FD interest as it accrues each year, even on a cumulative deposit, so a tax deduction line can appear on your statement long before any interest does
Premature closure pays a lower rate for the period the deposit actually ran, which means the accrued value you calculate is only what you get if the deposit runs to maturity
Whether cash sitting in a savings account should move into a deposit at all, and how much to leave behind, is worked through on the idle money in savings account page

Investment tracker app India: the one-table view

Put the three pieces together at the end of month 24 and keep the two views in separate columns. Money in is what left your bank during the 24 months. Cost includes the shares bought earlier. Value is the reading on that date. Cash received is what came back.

Holding	Money in, 24 months	Cost	Value, month 24	Cash received
SIP fund	Rs 2,40,000	Rs 2,40,000	Rs 2,53,875	Rs 0
Shares	Rs 0	Rs 1,50,000	Rs 1,41,000	Rs 8,400
FD, cumulative	Rs 1,00,000	Rs 1,00,000	Rs 1,14,888	Rs 0
Total	Rs 3,40,000	Rs 4,90,000	Rs 5,09,763	Rs 8,400

Illustrative. FD value is principal plus interest accrued, not yet paid. Shares were bought before the 24 months.

Net of the dividends, Rs 3,31,600 left the bank account in 24 months. The transaction view knows this exactly and knows nothing about the Rs 5,09,763 the holdings were worth at the end
Value minus cost is Rs 19,763, and Rs 28,163 once the dividends are added back. The SIP and the FD made Rs 28,763 between them; the shares were the part that lost, which only the cost column shows
A CAS at month 24 would show the SIP and the shares, Rs 3,94,875. The FD's Rs 1,14,888, 22.54 percent of everything here, would not be on it, and nor would gold held with a provider
To track all investments in one place without a single source, keep this table: the money-in column from bank debits and credits as they happen, the value column once a month from the CAS, plus the FD worked out from its receipt
If everything you hold sits in one fund house, its own statement already is the one number, and a separate tracker adds little. Which order to fund a buffer, debts and investments in is on the how much to save every month page

How Unyfy helps you track scattered investments

The half of this page that is hard to keep up by hand is the money-in column: every SIP debit, share purchase, FD booking and dividend credit, spread across accounts. Unyfy builds that column from the transaction record your bank already sends, reading bank and card emails and, on Android, transactional SMS, with no manual entry and no bank password or UPI PIN.

On the free tier it picks out mutual fund and SIP debits, stock purchases, FD bookings and dividend credits from your transactions, each with its date and amount. Dividends also appear in the income view as their own source, next to salary, refunds and cashback, so investment income is not mixed into either.

For the value column, read units, NAVs and accrued interest from your CAS and FD receipts, and set them beside the money-in column the app keeps. Nothing in the app is investment advice. Install Unyfy on Android, or use the web app at app.unyfy.co.in on an iPhone.

Common questions

Investment tracker app India: what should it show?

Two things, kept apart. First, the money that went in and came out: SIP debits, share purchases, FD bookings, dividends and redemptions, read from your bank transactions. Second, what the holdings are worth on a date, which needs a statement such as a consolidated account statement for funds and demat holdings. In a worked 24-month example, Rs 2,40,000 of SIP debits was worth Rs 1,34,760 at month 15 and Rs 2,53,875 at month 24.

How do I track mutual funds and SIP across fund houses?

Use the bank statement for the instalments and a consolidated account statement for value. The mailback CAS from CAMS and KFintech covers folios with your registered email across the funds they service, as a summary or detailed PDF for a period you choose. If you hold a demat account, the depositories also email a CAS each month you transact, within 12 days of the month end, combining demat holdings and fund folios matched on PAN.

How does a dividend tracker for India work, and what does it miss?

It adds up dividend credits from your bank account, which tells you about cash coming in, not about whether the holding did well. In the example, shares costing Rs 1,50,000 paid Rs 8,400 in dividends over two years while falling Rs 9,000 in value, a net loss of Rs 600. A fund's IDCW payout is paid from the fund's own assets, so the NAV falls by the amount you receive.

Why is my invested amount different from my current value?

Because invested is what you paid and value is units times today's price. A Rs 10,000 SIP for 24 months is Rs 2,40,000 invested; on an illustrative path it was worth Rs 2,53,875, a gain of 5.78 percent. That is not 2.89 percent a year: the average rupee was invested for about 12.5 months, and the annualised figure was 5.50 percent. After a redemption, the statement's invested figure also drops by the cost of the units sold.

Can I track all investments in one place, including FDs?

Not from a single statement. A CAS covers mutual funds and demat holdings, but a bank FD and gold held with a digital gold provider sit outside it. A cumulative FD is also invisible in your transactions until maturity: Rs 1,00,000 at an illustrative 7 percent had Rs 14,888 of interest accrued by month 24 with nothing credited. A simple table with money in, cost, value and cash received brings them together.

Does a portfolio tracker in India need my login to work?

The money-in side does not: it can be built from bank and card alerts and statements, which record every investment debit and credit. Unyfy works this way, holding no bank password or UPI PIN. The value side needs a statement from whoever holds the asset, such as a CAS for funds and demat holdings or a deposit receipt, because prices and accrued interest never pass through your bank account.

An investment portfolio spread across fund houses, a broker, a bank and a gold provider has two honest numbers, and they answer different questions. The money that went in is a fact you can read from your bank statement to the rupee. What it is worth is a reading on a date, taken from a consolidated account statement for funds and demat holdings and worked out by hand for FDs and gold. In the worked example the SIP swung from Rs 15,240 down to Rs 13,875 up while its debits never changed, and Rs 8,400 of dividends hid a fall in the shares that paid them. Keep the two columns separate, read value monthly when the CAS arrives, and judge a return only as value minus cost on a stated date.

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Investment tracker app India: money in vs what it is worth

Why your investments never add up to one number

Transaction view vs holdings value

Track mutual funds and SIP from the debits

Invested amount is not return

Dividend tracker India: income is not gain

FDs: the investment that hides its interest

Investment tracker app India: the one-table view

How Unyfy helps you track scattered investments

Common questions

Investment tracker app India: what should it show?

How do I track mutual funds and SIP across fund houses?

How does a dividend tracker for India work, and what does it miss?

Why is my invested amount different from my current value?

Can I track all investments in one place, including FDs?

Does a portfolio tracker in India need my login to work?

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