Most Indian investors hold four or more separate accounts — Zerodha for stocks, Groww for mutual funds, NSDL for NPS, and paper certificates for SGBs. Richify brings it all into one ₹ portfolio view.
Quick Answer
Richify is the best free all-in-one portfolio tracker for Indians in 2026. Track NSE/BSE stocks, direct mutual funds (SIP + lumpsum), NPS Tier-I and II, EPF, sovereign gold bonds, physical gold, real estate equity, FDs, and crypto — all in one ₹ dashboard. Felix, your AI CFO, provides educational insights on allocation and growth. No bank linking needed.
Which apps actually track all Indian asset classes?
| App | Stocks | MF | NPS | Gold | Property | Free |
|---|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Groww | ✓ | ✓ | ✗ | ✗ | ✗ | ✓ |
| Kuvera | ✗ | ✓ | ✓ | ✗ | ✗ | ✓ |
| Zerodha | ✓ | ✓ | ✗ | ✗ | ✗ | ✗ |
| INDmoney | ✓ | ✓ | ✗ | ✗ | ✗ | ✓ |
| ET Money | ✗ | ✓ | ✓ | ✗ | ✗ | ✓ |
Track your full Indian portfolio — free
NSE/BSE stocks + mutual funds + NPS + gold + property. All in ₹. Felix gives educational context on allocation and growth.
Richify is the best all-in-one portfolio tracker for Indians in 2026 because it combines asset classes that other apps treat separately. Groww and Kuvera track direct mutual funds. Zerodha Kite and Upstox track NSE/BSE stocks. INDmoney connects accounts but misses gold and property. Richify tracks NSE/BSE stocks, mutual funds (SIP and lumpsum), NPS, EPF, sovereign gold bonds, physical gold, real estate equity, FDs, and crypto — all in one ₹ dashboard with no bank linking.
Yes — Richify is designed for Indians who hold both. You can add NSE/BSE stocks (by company name or ticker), direct mutual funds (by scheme name), index funds, sectoral ETFs (Nifty 50, Nifty Next 50, etc.), and SGB units alongside each other. The combined view shows your total equity allocation and how stocks vs mutual funds are balanced within it.
Groww is excellent for buying and tracking direct mutual funds — it handles SIP orders, NAV updates, and capital gains reports well. But it doesn't track NSE stocks (unless purchased through Groww), NPS, EPF, physical gold, SGBs, or real estate. Richify is your total portfolio picture: it includes mutual funds (like Groww), plus the stocks, NPS, gold, and property that complete the picture. Many users keep Groww for investing and Richify for their full portfolio view.
Yes. NPS is increasingly significant for salaried employees — especially post-NPS Tier-I mandatory contribution and the NPS Vatsalya scheme. Your NPS corpus (Tier-I and Tier-II) is a genuine investment portfolio: it's split across equity (E), corporate bonds (C), and government securities (G) funds managed by PFMs like HDFC, SBI, ICICI, and UTI. Including NPS gives you an accurate picture of your long-term equity exposure.
No. Richify is a financial education and calculation platform — not a SEBI-registered investment advisor (RIA) or AMFI-registered mutual fund distributor (MFD). You cannot buy, sell, or switch investments through Richify. Felix, the AI CFO, provides educational insights and calculations — not regulated investment advice. For regulated advice, consult a SEBI-registered RIA.