How It Works

From scattered assets
to complete clarity.

Velthian brings every asset you own into one intelligent platform — live prices, true XIRR, tax intelligence, and an AI advisor that knows your entire portfolio.

01
Getting Started

Import your portfolio
in under two minutes.

There's no manual data entry required to get started. Upload your CAS statement — a single PDF that contains your complete equity and mutual fund transaction history — and Velthian does the rest.

MF Central CAS
Full transaction history across every fund house. Download the "Detailed" CAS from mfcentral.com — covers CAMS and KFintech schemes.
Best for Mutual Funds
NSDL CAS
Your complete demat snapshot across all brokers — equity holdings and mutual fund units in one file.
Best for Equity

Prefer to enter transactions yourself? Use the manual entry form for individual buys and sells, or log corporate actions like splits and bonuses. US equity transactions can be added stock by stock with automatic USD→INR conversion.

02
Portfolio Dashboard

Your net worth,
at a glance.

The dashboard puts your complete financial picture on one screen. Net worth is calculated live — market assets refreshed daily, non-market assets updated whenever you choose.

Net Worth
Gross wealth across all asset classes minus liabilities — your real number.
Today's Gain
How much your market portfolio moved since yesterday's close.
XIRR
Your actual annualised return — active positions only, or including closed positions.
Allocation
How your wealth is spread across equity, mutual funds, fixed income, real estate and alternatives.
Equity Exposure
Your combined equity weight shown against a risk meter — Low, Medium, or High.
Asset Performance
Each asset class shown as a card — click any card to drill into its holdings.
03
Asset Coverage

Every asset you own,
tracked properly.

Most portfolio trackers handle one or two asset classes. Velthian tracks all six — with the depth each one deserves.

Indian Equity

Live NSE and BSE prices refreshed daily. Each stock shows current value, invested amount, unrealised gain, XIRR (active positions only, or overall including sold shares), and realised profits. Drill into any stock to see its full transaction history — every buy, sell, split, and bonus recorded. Tag holdings with custom categories to group them by sector, strategy, or theme.

$ US Equity

NYSE and NASDAQ holdings tracked with live prices. All values converted to INR using the RBI reference rate — so your US portfolio contributes correctly to your net worth without any manual calculation. P&L, XIRR, and tax exposure are all shown in rupees.

Mutual Funds

Daily NAV from AMFI keeps every scheme current. Per-fund XIRR (active and overall), realised gains, and invested versus current value — shown both for each scheme and as a rollup across your entire MF portfolio. Import new transactions at any time via CAS upload; pending actions are flagged for review when an import can't be automatically reconciled.

Fixed Income

PPF, EPF, FDs, bonds, NPS, 401K, and any other debt instrument — logged by name and current value. Define your own instrument types, then tag each entry accordingly. The total feeds directly into your net worth.

Real Estate

Investment properties, commercial spaces, land, and REITs tracked by current market value. Log purchase and sale transactions separately to keep a record of what you paid. Primary residence excluded — only wealth-generating properties are counted.

Alternatives & Liabilities

Gold, SGBs, unlisted shares, art — anything that doesn't fit a standard category. Liabilities are tracked separately and subtracted from gross wealth to give you a true net worth figure.

04
Tax Centre

Know your tax liability
before you file.

The Tax Centre calculates your capital gains for any financial year using the FIFO method — the same method the IT department expects. Switch between years with a single click.

STCG & LTCG Breakdown

All realised gains split into short-term and long-term buckets — equity, mutual funds, and US holdings each calculated separately at the correct tax rates.

Tax-Loss Harvesting

For the current financial year, the "Before You File" panel surfaces every position where you're sitting on a loss. Booking that loss offsets your gains — the exact tax saving is shown per position, so you know exactly what you'd recover.

LTCG Window Tracker

Holdings that are approaching — or have just crossed — the 12-month LTCG threshold are flagged. Holding a few more weeks can mean the difference between 20% STCG and 12.5% LTCG.

Download Statement

Export a complete capital gains statement — transaction by transaction — as a spreadsheet. Hand it directly to your CA or use it while filing.

05
Artha — AI Wealth Advisor

Ask your portfolio
anything.

Artha is Velthian's AI wealth advisor — powered by GPT-4o and connected directly to your data. Ask in plain English. Artha retrieves the exact numbers, then gives you a clear, specific answer. No hallucination — every figure comes from your actual portfolio.

"Why did my portfolio drop today?"
"What's my overall XIRR?"
"How much tax can I save this year?"
"How am I doing vs Nifty?"
"Which fund performed best?"
"What's my net worth?"
"Am I overexposed to any single position?"
"Show me my worst performing stocks."

Artha can answer questions across your entire portfolio — day's movers, XIRR by asset class, tax opportunities, benchmark comparisons, net worth, cash position, concentration risk, and more. The more you ask, the more useful it becomes.

Artha is also surfaced inline throughout the app — contextual nudges on the dashboard and asset pages point you to relevant questions before you think to ask them.
06
Daily Intelligence

Insights delivered
every morning.

Velthian's insight engine runs every night. By morning, a personalised digest lands in your inbox — written by Artha, grounded in your actual numbers from the day before.

Portfolio performance — how your portfolio moved, which asset classes led or lagged, and how today compares to your recent trend.
XIRR drift — whether your annualised return is improving or declining relative to last quarter, broken down by asset class.
Benchmark gaps — how your equity and mutual fund portfolios are performing against Nifty, S&P 500, Nasdaq, and other indices.
Tax signals — approaching LTCG windows, harvest opportunities, and your remaining ₹1.25L exemption headroom for the year.
Concentration alerts — if any single position or sector has grown large enough to warrant attention, Artha flags it.
Also included
Performance Between Dates
Measure returns over any window — This FY, Last FY, This CY, or a custom date range. See XIRR, profit/loss, and invested amount for mutual funds, Indian equity, and US equity side by side.
Benchmark Comparison
1-month, 3-month, and 1-year returns for Nifty 50, S&P 500, Nasdaq 100, Nikkei 225, FTSE 100, and Gold — always available to set your performance in context.
Custom Equity Categories
Create your own categories — by sector, theme, or strategy — and tag each equity position. Filter your holdings by category to see performance within a slice of your portfolio.
Corporate Actions
Splits, bonuses, and rights issues are logged as separate events so your XIRR and cost basis remain accurate across the full life of every holding.
Excel Export
Download your holdings, transactions, and capital gains statements as spreadsheets — from any view, at any time.
Dark & Light Mode
Velthian adapts to your preference — a precise dark theme for focused work, or a clean light mode when you prefer it.

Ready to see your
complete picture?

Import your portfolio in under two minutes. No spreadsheets. No manual data entry.