How to Track Your Mutual Fund Portfolio in India — The Complete 2026 Guide
Learn the best ways to track your mutual fund investments in India — from CAMS statements to portfolio analytics apps. Monitor NAV, XIRR, and fund performance easily.
Why Tracking Your Mutual Fund Portfolio Matters
Most Indian investors have mutual fund investments spread across multiple platforms — Zerodha, Groww, Paytm Money, direct AMC websites — making it nearly impossible to get a unified view. Without consolidated tracking, you can't calculate your true returns, spot underperformers, or make informed rebalancing decisions.
Method 1: CAMS / KFintech CAS Statement
The simplest official way. Log in to mycams.com or kfintech.com with your registered email and PAN. Download a Consolidated Account Statement (CAS) for any date range. The PDF shows:
- All mutual fund holdings across all AMCs
- Transaction history
- Current NAV and value
- Gain/loss summary
Method 2: NSDL / CDSL Portfolio View
If your mutual funds are held in demat form (via a broker), you can view them in your demat account dashboard. However, most direct plan SIPs are held in statement of account form and won't appear here.
Method 3: Portfolio Analytics Apps
For serious investors, dedicated portfolio tracking apps offer far more than CAS statements:
- XIRR calculation — actual annualised return per fund and overall
- Goal tracking — are you on track to hit your targets?
- Benchmark comparison — is your fund beating the index?
- Asset allocation — equity vs. debt vs. international split
WealthAnalytics lets you import your CAS directly and builds all these views automatically.
Key Metrics to Track
XIRR (Extended Internal Rate of Return)
The gold standard for SIP return measurement. Takes into account the timing and size of every cash flow. A fund with 15% XIRR is outperforming one with 12%, all else equal.
Absolute Return vs. CAGR
For investments over 1 year, always compare CAGR (Compounded Annual Growth Rate), not absolute return. A 50% absolute gain over 5 years is only 8.4% CAGR — quite different from a 50% gain in 2 years (22.5% CAGR).
Category Rank
Is your flexi-cap fund in the top quartile of flexi-cap funds? If it's consistently in the bottom half, consider switching to a better-performing fund in the same category.
Setting Up Automated Tracking with WealthAnalytics
- Download your CAS PDF from CAMS or KFintech
- Upload it to WealthAnalytics MF Import
- All your SIPs and lumpsum investments are auto-parsed
- View XIRR, goal progress, and portfolio allocation in real-time
Frequently Asked Questions
How do I get a consolidated statement of all my mutual funds?
You can get a Consolidated Account Statement (CAS) from CAMS or KARVY (Kfintech) by logging in with your PAN and email. The CAS shows all mutual fund holdings across all AMCs in one document.
What is XIRR and why is it important for mutual fund tracking?
XIRR (Extended Internal Rate of Return) is the actual annualised return on your investment, accounting for the timing of each SIP installment. Unlike simple returns, XIRR accurately reflects your true investment performance regardless of when you made each investment.
How often should I review my mutual fund portfolio?
Review your portfolio quarterly for performance check and annually for rebalancing. Avoid checking daily as short-term volatility can trigger emotional decisions. Focus on whether your funds are meeting their benchmark and category peers over 3-year periods.