Frequently asked questions

A tool that reads your mutual fund consolidated account statement (CAS) and shows your annualised return (XIRR), every holding, a chart of how your portfolio value moved, and your full transaction ledger. You do not need an account to use it.

The detailed CAS PDF from CAMS or KFintech. Not yet: NSDL or CDSL demat statements, broker contract notes, or Zerodha exports. See how to get your CAS for the steps.

No. Uploading starts an anonymous session in your browser: no email, no phone number, no name. If you want to keep your dashboard for longer than 30 days without visiting, or open it on another device, you can save it with an account inside the app.

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.

Usually under a minute. Large statements with many years of SIPs take longer to read.

XIRR is the one steady 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. Read XIRR in plain English for a worked example.

Usually because the two numbers measure different things (absolute return versus an annualised rate), cover different funds, or use different valuation dates. Read why your app's return differs for the common causes.

An exact XIRR needs every purchase behind the units you hold. If your statement starts after your first investment, or a few rows could not be read, the transactions add up to fewer units than you own. Rather than show a wrong exact number, FolioQ labels the figure an estimate, or shows your total return (gain divided by amount invested, not annualised), and tells you which holdings are affected.

To fix it, request a new detailed CAS with a start date before your first investment and upload it, choosing to replace your existing data.

FolioQ values your funds at the NAVs printed on your statement, as of the statement date. Your app uses the latest NAV. Upload a fresh statement to bring FolioQ up to date.

The current value of the units you hold now, minus what those units cost you. Units you have already sold are not part of this figure.

From the daily NAVs that AMFI publishes for each fund, wherever your fund can be matched. For a fund that cannot be matched, the chart knows its NAV only on your transaction dates and the statement date and draws a straight line in between, and says so. You can also choose to hide liquid and short-term debt funds, money you parked rather than invested for growth.

Yes, the same way. Transactions you already uploaded are recognised and not added twice. If you would rather start fresh, choose to replace your existing data when you upload.

No. The PDF is read in memory and discarded. FolioQ keeps only the fund transactions, holdings and the results it computes. It does not keep your name, PAN, email, phone number, address or the PDF password.

It is part of an internal reference for each transaction, so that uploading the same statement twice does not create duplicate rows.

Only your own browser session, enforced by row-level security in the database. Your data is not sold or shared with advertisers, lenders, distributors or fund houses. The hosting and database providers listed in the privacy policy process it only to run FolioQ.

Without an account it is deleted automatically after 30 days without a visit. Each visit, meaning opening FolioQ in the browser that holds your session, restarts the 30 days.

Open Settings in the app and press Delete my data. Your transactions, holdings and results are removed straight away and permanently. To close a saved account entirely, email hello@folioq.in.

No third-party analytics or advertising scripts, on the website or in the app. Browser storage is used only to keep your session signed in.

Not yet. Today FolioQ reads only CAMS and KFintech mutual fund statements. Zerodha CSV upload for stocks, a Nifty 50 benchmark page and a capital gains (STCG/LTCG) view are being built. There are no dates for these until they are ready.

No. Nothing on FolioQ today is a tax calculation. For your tax return, use the capital gains statement your registrar provides, your Annual Information Statement (AIS), and advice from a chartered accountant.

No, and no. FolioQ is a calculator over your own statement. It does not recommend buying, selling, holding or switching any fund, and it is not registered with SEBI as an investment adviser or research analyst. Speak to a SEBI-registered adviser before making investment decisions. See the full disclaimer.