Is there a free portfolio tracker in India in 2026?

Quick Answer: Yes: the Consolidated Account Statement (CAS) that NSDL or CDSL emails you is a free portfolio tracker that needs no app. Set up under a SEBI circular of 12 November 2014, it arrives monthly if you transact and half-yearly otherwise, covering demat holdings and mutual fund folios under one PAN. Free app tiers add current prices but usually cap portfolios, syncs or history.

Behind the question there is usually a second one: what does tracking cost once the free version runs out? That depends on what "track" means to you. A statement of what you own arrives by regulation, no app required. Live prices, returns maths and alerts are where apps in India draw their free and paid lines in 2026.

Can the Consolidated Account Statement work as a free tracker?

Yes, India has free portfolio trackers: since a SEBI circular of 12 November 2014, depositories must send investors with demat and mutual fund holdings a Consolidated Account Statement matched by PAN. That statement is the closest thing India has to a regulator-built portfolio tracker, and because it covers every folio it also works as a mutual fund portfolio tracker. You do not need an app to receive it.

SEBI's investor site defines the Consolidated Account Statement as a single statement showing a month's transactions across all mutual funds and the securities in your demat accounts. To receive it, your PAN has to be updated with your depository participant or stock broker.

Three other free routes sit alongside the CAS. Most brokers show the holdings in the demat account linked to them, though not the mutual fund folios held elsewhere. Tracking apps are the third route: Value Research's My Investments describes itself as a free portfolio tracker for stocks, mutual funds and NPS, INDmoney offers free tracking of stocks and mutual funds, and MProfit sells a multi-asset tracker with capital gains and XIRR reports (product pages, checked 18 Sep 2026). A spreadsheet kept by hand costs nothing but the time it takes to keep current.

Each of these is free in a different sense. The CAS is complete but periodic. A broker view is live but partial. An app's free tier is live and consolidated, within limits the vendor sets and can change.

What does a free portfolio tracker in India include in 2026?

A free tracker in India in 2026 usually includes a holdings list, current value and a basic gain figure. Limits usually appear at multi-account views and deeper analysis. The table sets out what each free route covers, from the sources named.

Free portfolio tracking routes in India (as of 18 September 2026)

Alerts sit in a separate layer from tracking. Multibagg's WhatsApp alerts for your stocks are described on the product page as free (as of 18 September 2026), covering news on stocks in a portfolio or watchlist. Ask Iris, the platform's AI assistant, answers questions about connected holdings within the monthly question allowance of each plan.

Free vs paid portfolio trackers: what changes?

Paid plans mostly raise quantity limits (portfolios, syncs, history and questions) rather than unlocking tracking itself. Multibagg's own pricing page, fetched 18 September 2026, is one dated example of how the lines are drawn.

Multibagg AI plan limits for portfolio tracking (pricing page, as of 18 September 2026)

Premium and Professional are paid annual plans, shown under a 'Save 40% today' promotional banner on the pricing page (as of 18 September 2026); the price shown can vary by offer, so check the page. Value Research, INDmoney and MProfit, among other Indian tracking apps, publish their own plan pages; those are the only reliable place to read their current prices.

The subscription is also not the only cost of holding a portfolio. Brokerage, exchange fees and taxes are levied on each trade, and for an active investor the charges on every NSE trade can exceed a tracker's fee.

Can a free tracker import holdings from a CAS statement?

A free tracker can import holdings from a CAS if it supports the format: the e-CAS arrives as a password-protected, digitally signed PDF rather than a data feed. Some apps parse that PDF, while others connect to brokers instead. Check each app's own help pages before relying on either.

What makes the CAS worth importing is its reach. Per the NSDL CAS FAQ, one statement consolidates demat accounts held with both NSDL and CDSL, along with mutual fund units held in statement-of-account form, and shows demat and folio units separately. A broker connection, by contrast, sees only that broker's demat account.

Timing sets how fresh an imported CAS can be. Under a SEBI circular dated 14 February 2025, effective 14 May 2025, AMCs and registrars send common-PAN data to the depositories by the 5th day after month end. The depositories then email the monthly CAS by the 12th day, or post it by the 15th.

For investors with no transactions, the half-yearly CAS goes out by email by 18 April and 18 October, and by post by 21 April and 21 October. A CAS imported in mid-September 2026 therefore reflects holdings as of 31 August at best, which is why CAS-based tracking works for record-keeping but not for daily prices.

How do free trackers handle dividends and XIRR?

Trackers that read the CAS capture mutual fund dividends, because the NSDL CAS lists dividend reinvestment, dividend accrued, SIP, SWP, STP, bonus and merger transactions. Share dividends and return maths vary more by app.

A dividend on a listed share is paid out in cash rather than recorded as a holding change, so it may not show up in a holdings statement alone. Trackers fill the gap by reading exchange corporate-action data against your holdings on the record date, or by asking you to enter the credit. Where a free tier skips that step, your return figure will understate income.

XIRR is the other common gap. It annualises returns when money went in on different dates. As an illustration with hypothetical figures, ₹1,00,000 invested on 1 January 2025 and ₹50,000 on 1 July 2025, worth ₹1,65,000 on 31 December 2025, is a 10% absolute gain but an XIRR of 12.09%, because the second ₹50,000 was invested for only half the year. The XIRR meaning and formula explains the calculation in more depth.

Neither figure accounts for tax. Gains and dividends are taxed under separate rules, covered in this guide to investment taxes in India, so a pre-tax tracker return is a starting point, not a final one.

Can a family portfolio tracker in India combine several PANs?

A family portfolio tracker can combine several PANs only by merging separate statements: under SEBI's circular of 12 November 2014, the CAS is consolidated by PAN, so each family member receives their own.

The same circular covers two edge cases. Joint holdings are consolidated on the first holder's PAN and the pattern of holding, so a joint demat account appears in the first holder's statement. A member whose PAN has mutual fund units but no demat account gets the CAS from the fund house or its registrar rather than from NSDL or CDSL.

For a household view, the options are importing several CAS files, keeping one spreadsheet for everyone, or a tracker that allows several portfolio connections. Connection limits decide how many separate portfolios fit in one view: Multibagg's pricing page lists 1 on the free Standard plan and 3 on Premium (as of 18 September 2026). On the free plan, you can connect one portfolio to Multibagg's Portfolio dashboard and put questions about those holdings to Ask Iris.

Disclaimer: This article is for educational and informational purposes only. Multibagg AI is not a SEBI-registered investment adviser or research analyst, and it does not provide investment, financial, legal or tax advice. Nothing here is a recommendation to buy, sell, hold or invest in any security. Market data is shown as of the dates stated and may have changed since. Please consult a SEBI-registered adviser before making any investment decision.