Which app tracks stocks and funds across brokers in India?

Quick Answer: The RBI's Account Aggregator framework is the route built for this: the depositories and mutual fund registrars share your demat and fund holdings, in real time, with an app you authorise. The depositories' consolidated account statement covers the same holdings against your PAN as a periodic document. Portfolio apps sit on top of one or both.

Indian investors end up with several accounts: a broker for equities, another for a legacy holding, a fund platform, an old demat account. Consolidation is a real problem, and two official mechanisms already address it.

Neither is a portfolio app. Both are plumbing that apps build on, and knowing which one an app uses tells you what it can and cannot see.

Which app tracks stocks and funds across brokers in India?

Portfolio apps do, and they draw on one of two official routes: a depository statement, or an authorised data-sharing connection. Multibagg's portfolio dashboard shows sector allocation and risk across connected broker holdings.

Import method is what separates them. An app reading a depository statement sees whatever the depository holds against your PAN; an app connected through a data-sharing framework sees only what you authorised it to see, account by account, and nothing at all beyond that.

Neither route is a trading connection. A consolidated view reads positions and does not place orders, a distinction the last section of this article returns to.

What is an Account Aggregator, and can it share demat data?

Yes. An Account Aggregator is a non-banking financial company regulated by the Reserve Bank of India under its Master Direction for NBFC Account Aggregators, first issued on 2 September 2016, and it sits between three parties: the institution holding your data, the recipient you nominate, and you. It does not store the information that passes through it, and that information is not its property.

Demat and fund data joined the framework in 2022. SEBI's circular of 19 August 2022 named the depositories, and fund houses acting through their registrars, as financial information providers, so demat holdings and mutual fund units can both travel through an Account Aggregator to an app you authorise.

Consent is the whole mechanism. You approve an electronic consent artefact naming a specific recipient, specific data and a specific period, and you can withdraw it. Before sharing, the depository or registrar must check that the consent is valid, that its dates and usage match, and that the aggregator's credentials hold; it then digitally signs the data and sends it in real time.

Regulation is split, which is the source of most confusion about the framework. The RBI regulates the aggregator, while SEBI sets the rules for the depositories and registrars supplying securities data, and which information types travel is decided by the framework, never by the app doing the asking. Each depository and registrar must also list on its website the Account Aggregators it shares data through, which is the quickest way to check whether an app's aggregator can reach your holdings.

How do Indian investors consolidate holdings across brokers in 2026?

Through two routes: the Account Aggregator connection above, and the consolidated account statement, which the two depositories issue against a PAN rather than against a broker. Because demat holdings sit with the depository rather than with the broker, one statement can cover accounts held through several brokers at once.

CDSL's CAS service is one of the two depository routes. The statement combines demat holdings with mutual fund units held against the same PAN, which is what makes it broader than a single broker's holdings page.

That PAN-level scope is also its limit. Holdings outside the depositories and outside the mutual fund registry do not appear, however many brokers you consolidate.

How does the depositories' CAS combine demat and mutual fund holdings?

By joining demat holdings from the depository and mutual fund units from the registrars against your PAN rather than an account number, so one statement spans every broker and covers funds bought directly as well as through a platform, under the framework SEBI sets for depositories. Our guide to free portfolio trackers covers downloading a CAS and using it as a tracker, including for several PANs in one family, and our note on the debate about CAS explains why its format is under review.

How do you import holdings from several brokers into one tracker?

Three routes, in descending order of effort saved: a depository statement, an authorised data connection, and manual entry. Each gives a different freshness and a different coverage.

Effort differs more than accuracy does. Importing a statement is manual and periodic, an authorised connection needs no repeat action once granted, and manual entry needs one every single time.

Manual entry is the fallback for anything the first two miss, and it is also where errors enter, particularly on quantity after a corporate action. Company pages in Multibagg's stocks section carry the filings that explain such changes.

The three consolidation routes compared (depository CAS; RBI Master Direction for NBFC Account Aggregators; checked 24 September 2026)

What does a consolidated view miss?

Four categories sit outside it. That is more than most people expect: physical share certificates, holdings under a different PAN, employee stock options before exercise, and assets held anywhere outside the Indian financial system.

Return calculation is the second gap. A consolidated list of positions is not a return figure, and money invested at different dates needs a cash-flow-weighted calculation, which our note on calculating XIRR across stocks and funds works through.

The Account Aggregator route has its own blind spot. It reaches only institutions that have joined as financial information providers, and only the accounts you name in a consent, so a holding left out of the consent is invisible to the app even though a CAS would show it. SEBI's 2022 circular also states that the new route does not affect the depositories' CAS, so the two work as complements, not substitutes.

Third, a view is not an instruction. Consolidation shows what you hold, and it makes no statement whatsoever about what you might sensibly do with any of it.

How often does a consolidated view update?

It depends entirely on which of the three routes feeds it. A depository statement is a point-in-time document, so a tracker built on it is exactly as current as the last statement you imported, which may be weeks old.

An authorised data connection refreshes without you doing anything, inside whatever consent window you granted. That is the practical argument for the Account Aggregator route over periodic statement imports.

Manual entry updates when you remember. That makes it both the least current of the three routes and the most error-prone, particularly after a corporate action changes a quantity without any trade taking place at all.

See the whole position, then check the filings

A consolidated view answers what and how much, across all three import routes. The reason a quantity changed lives somewhere else entirely, in the company's own filings, and that record is worth reading beside the position it explains.

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.