FolioQ

About

About FolioQ

FolioQ shows the return your mutual funds actually earned, worked out from the statement you already get from CAMS or KFintech.

Why it exists

Many investors who run SIPs across a few fund houses cannot easily answer a simple question: what yearly return has my money actually earned? Fund apps tend to show absolute return or a fund's trailing return, and see only what was bought through them. Working out a proper XIRR by hand means copying every transaction into a spreadsheet.

FolioQ does that work from your consolidated account statement, which already lists every folio under your PAN. Upload it, and you see one honest yearly figure, with a clear label when your statement does not have enough history for an exact one.

What it does today

  • Reads a detailed CAMS or KFintech CAS PDF, with no signup.
  • Calculates your XIRR across every scheme, labelled an estimate when history is missing.
  • Shows each holding, combined across folios, with value and gain.
  • Draws a performance chart from the daily NAVs AMFI publishes.
  • Lists your full transaction ledger.
  • Lets you delete your data yourself, at any time.

Being built, without dates until they are ready: Zerodha CSV upload for stocks, a Nifty 50 benchmark page, and a capital gains (STCG/LTCG) view.

How it treats your data

The PDF is read in memory and discarded. FolioQ keeps the fund transactions and the results it computes, under an anonymous session, and not your name, PAN or contact details. There are no third-party analytics or advertising trackers. The privacy policy lists exactly what is stored, who processes it and how deletion works.

Early access, and what it will cost

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 before anything is charged. No specific price is published yet. See early access.

What FolioQ is not

FolioQ is an information tool. It does not recommend buying, selling, holding or switching any fund. It is not registered with SEBI as an investment adviser, research analyst or portfolio manager, and it is not a mutual fund distributor, so it earns no commission on any fund you choose. It does not calculate tax. See the disclaimer.

Who runs it

FolioQ is built and run by Manoj Attal in Pune, India. It is not yet a registered company. For questions, bugs and suggestions, email hello@folioq.in directly. Please never email your statement or PAN; they will never be asked for.