See the return your funds actually earned
Upload your CAMS or KFintech statement for your true XIRR, every holding and a daily‑NAV chart. No signup. We do not keep your PDF.
Free during early access. FolioQ will become a paid product. Early users will hear about pricing before anyone is charged. Early access.
Upload your CAS PDF
The detailed statement from CAMS or KFintech, as emailed to you.
- Your file is read in memory. We do not keep it.
- Your name and PAN are not kept. We keep the funds, dates, units, amounts and folio numbers.
- Delete your portfolio data from Settings. How we handle data
- No signup, no phone number
- Usually under a minute
How your statement is handled
- Locked to your session
- Your fund data sits in a database with row-level security, so only your own browser session can read it.
- No trackers
- No third-party analytics or advertising scripts, on this page or in the app.
- Delete it yourself
- Settings, then Delete my data. Without an account it goes after 30 days without a visit.
- A person you can write to
- Built and run by Manoj Attal in Pune. Questions go to him directly.
How it works
Three steps, one statement
Everything FolioQ shows comes from the CAS you already receive by email. We only do the arithmetic the statement leaves out.
Download your detailed CAS
Request a consolidated account statement from CAMS or KFintech. Choose “detailed”, pick a date range that starts before your first investment, and set a password. It arrives by email.
Our sketch. The registrar's form looks different, but has this choice. Upload it and enter the password
Drop the PDF on this page, tick the consent box and type the password you chose when you requested the statement.
See what you actually earned
Your true XIRR across every scheme, each holding with its current value and gain, a daily‑NAV performance chart, and the full transaction ledger.
Large statements can take 20 to 40 seconds, sometimes longer. Nothing is wrong if it does; keep the tab open.
What you get after the upload
The real Overview page, filled with sample data. Yours shows the numbers from your statement.
- XIRR cardAnnualised, from every cash flow in your statement. Labelled an estimate if history is missing.
- Performance chartDaily NAV from AMFI, not statement-date snapshots.
- Holdings tableEvery scheme, combined across folios, with current value and gain.
Privacy and data handling
What we keep, and what we do not
Your statement contains your name, PAN, address and every holding. FolioQ keeps the fund transactions and the results it computes, under an anonymous session, and nothing else from the file.
What we keep
- Transactions: date, scheme, units, NAV
- Holdings: scheme, ISIN, units, cost
- Computed results: value, XIRR, gain
- Folio number, inside a transaction id
- Consent record: time and IP address
What we never keep
- Your statement PDF
- Your PDF password
- Your name
- Your PAN
- Email, phone or address from the PDF
- Bank account or nominee details
Upload. Your PDF and password are sent over an encrypted connection to our parsing service, which opens the file in memory with your password, reads the fund transactions and closing balances, and discards it when parsing ends. The password is used once and not saved. We do not keep your PDF.
What is stored. Transaction rows (date, scheme and ISIN, units, NAV, amount, registrar), your holdings and the computed results (value, invested amount, XIRR, return), under a random anonymous user id. Folio numbers are kept inside an internal transaction reference so a second upload does not duplicate rows. No name, PAN, email, phone, address, bank or nominee details.
Who can see it. Only your browser session, enforced by row-level security in the database. The founder does not look at individual portfolios. We do not sell your data or share it with advertisers, lenders, distributors or fund houses. Our hosting and database providers process it only to run FolioQ. There are no third-party analytics or advertising trackers.
Deleting. Settings, then Delete my data: your transactions, holdings and results are removed immediately and permanently. Without an account, everything is deleted automatically after 30 days without a visit. With an account it stays until you delete it. The consent record (anonymous id, time, IP address) is kept as proof that you agreed to processing.
- Checked against the code on 2026-10-25. Read the full privacy policy.
What works today
This is early access. Here is exactly what you get today, and what is still being built.
Works today
- CAMS and KFintech CAS PDF upload (detailed statement)
- True XIRR across all schemes, labelled when it is an estimate
- Holdings with current value and gain
- Daily‑NAV performance chart (1M to All)
- Transaction ledger
- Delete your data any time
Coming soon
- Zerodha CSV upload for stocksSoon
- Nifty 50 benchmark comparisonSoon
- Capital gains view (STCG / LTCG)Soon
- Help centreSoon
Want to know when these land? Email us below. No dates until they are ready.
Early access
Free during early access. FolioQ will become a paid product.
Uploading a CAS and seeing your XIRR costs nothing while FolioQ is in early access. There is no card and no signup. Early users will hear about pricing before anyone is charged. The amount, what it covers and who it applies to will be announced on this site before anything is charged.
- Today
- Free. Upload a CAMS or KFintech CAS and see your XIRR. No card and no signup.
- Later
- FolioQ will become a paid product. Early users will hear about pricing before anyone is charged.
- Price
- No price yet. The amount, what it covers and who it applies to will be announced before anyone is charged.
The price is not set yet. FolioQ is not registered with SEBI, and this is not tax or investment advice.
Questions people ask first
What is a CAS and how do I get the detailed one?
A consolidated account statement lists every mutual fund folio under your PAN, across fund houses. Request it free from CAMS or KFintech: choose the detailed version (with transactions), set the start date to before your first investment, enter your registered email, and set a password. It arrives by email as a password-protected PDF, usually within the hour.
One statement from either registrar is enough; each includes funds serviced by the other. Get it from CAMS or Get it from KFintech.
Why does it ask for a password? Where does the password go?
The PDF is encrypted with the password you chose when you requested it. The file and the password are sent over an encrypted connection to our parsing service, which uses the password once to open the PDF. The password is not saved or logged. If you have forgotten it, request a new statement and set a new password.
Is my PAN or name stored anywhere?
No. The parser returns only scheme names, ISINs, dates, transaction types, units, NAVs and amounts, and those are what we store. Your name, PAN, email, phone number, address and bank details printed on the statement are not read into our database. Folio numbers are kept inside an internal transaction reference so that uploading the same statement twice does not create duplicates.
What does “true XIRR” mean, and how is it different from the return my app shows?
XIRR is the one yearly rate that explains every rupee you put in and took out, on the actual dates it happened. It is comparable with an FD rate. Many apps show absolute return (gain divided by amount invested), which ignores how long the money was invested, or a fund's trailing return, which describes the fund and not your timing.
If your statement does not cover your full history, we label the figure an estimate and show the simpler non-annualised return instead of a wrong exact number. Read the plain-English guide to XIRR for a worked example.
What happens to my data if I close the tab?
It stays under the anonymous session in that browser. Without an account it is deleted automatically after 30 days without a visit; each visit restarts the 30 days. You can delete it yourself at any time from Settings. To keep it longer or open it on another device, save it with an account inside the app.
Does this work for stocks or Zerodha?
Not yet. Today FolioQ reads only CAMS and KFintech mutual fund CAS PDFs. Zerodha CSV upload for stocks, a Nifty 50 benchmark page and a capital gains (STCG/LTCG) view are being built; we will not put dates on them until they are ready. Nothing on FolioQ today is a tax calculation.
Does it cost anything?
FolioQ is free during early access. It will become a paid product. Early users will hear about pricing before anyone is charged. The amount, what it covers and who it applies to will be announced on this site before anything is charged. No specific price is published yet. See early access.
Is FolioQ registered with SEBI? Is this investment advice?
No, and no. FolioQ is a calculator over your own statement: it shows XIRR, holdings and history, and does not recommend buying, selling or holding any fund. It is not registered with SEBI as an investment adviser or research analyst. Speak to a SEBI-registered adviser before making investment decisions, and check with your CA before filing anything.
Not ready to upload yet?
We are building Zerodha CSV upload, a capital gains view and a full Nifty 50 comparison. Email us and we will write once, when they are ready. No newsletter.
Email hello@folioq.inYour email is used only for that one message. Reply “stop” at any time and it is deleted.