Paisaverse works out what your Indian equity portfolio is actually worth — and, if you live abroad, what tax you actually owe — across the currency you live in and the tax treaty between India and your country.

You upload your trades and that's it. Every split, bonus, dividend, merger, and demerger gets applied automatically. Add a new trade later, edit an old one, drop in a year of history you forgot about — the whole portfolio rebuilds itself from scratch, with your cost basis, FX-decomposed returns, and (for those living outside India) your full tax position under the relevant DTAA, including whether your TDS is refundable and what your home country might tax.

No reconciling. No flagging. No "now go back and fix the old entries." Most accounting and tax tools — including premium ones — make you do that work manually. We don't.

If you live in India, you get the same engine without the cross-border layer: clean tracking with corporate actions handled automatically, and the option to view your portfolio in any supported currency as a benchmark.

Your broker shows you your holdings and what they're worth in INR — that's their job, and they do it well. Paisaverse picks up where that ends and handles the parts brokers aren't built for:

It rebuilds your portfolio every time anything changes. Upload a new trade, edit an old one, add a missing year — the system reapplies every split, bonus, dividend, merger, and demerger from scratch. Your tax math always reflects your complete history, without you ever having to fix old entries.

It computes returns in your chosen base currency and separates how much came from the investment versus how much came from currency movement — useful if you're an NRI watching the rupee move, or a resident curious about currency drag.

If you live abroad, it maps your holdings against the specific India–[your country] tax treaty. It tells you what India's taxing rights are, whether the TDS your broker deducted is refundable, and gives you a home country tax estimate based on the local rules we've mapped.

Anyone holding Indian equity shares or ETFs who wants a clearer view of cost basis, returns, and (if abroad) tax position than their broker is set up to provide.

It's especially useful if you live abroad — in France, Germany, Sweden, the UAE, or anywhere else India has a tax treaty with — because that's where the cross-border computation matters most. But if you live in India and just want clean portfolio tracking with corporate actions handled automatically, it works for you too.

No. Paisaverse is read-only. You upload your trade history from your broker, and we do the computation. We don't connect to your account, we don't place trades, and we don't replace your CA or tax advisor.

No. We give you the numbers — capital gains in both currencies, your treaty position, TDS refund eligibility, and a home country tax number. You take these to your CA, tax advisor, or filing software. We're the system of record, not the filing tool.

When you set your country of residence, we apply the specific India–[your country] DTAA to your holdings. For example, under India–France, India's treaty rate on listed share capital gains is 0% — meaning the TDS your broker deducted is refundable. Under India–Germany, India can tax at domestic rates, but Germany gives you a foreign tax credit. We surface this per country.

We focus on doing the hardest, most repeatable part well — the structured computation. Cost basis, FIFO matching, corporate action handling, FX conversions, treaty rate application, and home country tax estimates based on the local rules we've mapped. This is the part that's painful to do manually and easy to get wrong.

Where we go deepest today is France, Germany, Sweden, and the UAE — countries where we've mapped the local tax rules in detail. For countries where the deep local rules aren't built in yet, we show a directional estimate, clearly labeled as one in the app, so you have a sense of your position even before deeper rules are built in.

In every case, the numbers are meant to start your conversation with a CA or local tax consultant — not end it. Tax situations have personal wrinkles, jurisdictions evolve, and rules change every year. We map what we know. The final check stays with a professional who knows your full picture.

It depends on your treaty. If the DTAA puts India's capital gains rate at 0% (as it does for France, Sweden, UAE, and others), then the TDS your broker deducted is refundable by filing in India. We show the refund amount and the treaty basis. You file through a CA or tax service to actually claim it.

Not directly. We surface what your treaty says about FTC — for some countries the DTAA puts India's CG rate at 0%, so no FTC is needed; for others your home country provides the credit. The exact credit number depends on your total income and your home country's specific rules, and that part stays a CA conversation.

Update your country of residence and your tax picture remaps to the new treaty — new rates, new refund eligibility, new home country rules. Your data stays intact.

Paisaverse is in beta, and paid plans are now available at promotional beta pricing. You can start with a 14-day free trial — no card or payment details needed — and subscribe whenever you're ready; the trial simply ends if you don't, with no automatic charge. Beta pricing isn't our launch pricing, and early access users are looked after with the offers shown on our Pricing page.

Sign up for the beta, upload your tradebook from Zerodha or Angel One (or use our template), set your base currency and (if you live abroad) your country of residence, and your portfolio picture appears.

Download our trade template, fill it in with your data, and upload. We're adding more broker formats based on user priority.

You can add trades from before 2016 and they'll appear in your portfolio. Our corporate-action coverage — splits, bonuses, dividends, mergers, and demergers — currently begins in 2016, so anything earlier isn't applied automatically yet. For holdings that go back further, it's worth a quick check against your own records. Coverage is complete from 2016 onwards, and we're extending it over time.

Not yet. Grandfathering under Section 112A — using the 31 January 2018 fair market value as the cost base when computing long-term capital gains on holdings acquired before 1 February 2018 — is on our roadmap and will be added in a future release. Until then, capital gains for grandfathering-eligible holdings may not reflect the 112A relief, so those figures should be treated as provisional.

We're in beta. Our computations — cost bases, FX conversions, treaty rates, and tax estimates — are based on the data you upload and the rules in our system. We work hard to get them right, but they may contain errors or not reflect your exact situation. Always verify with a qualified tax professional before making decisions based on our output. As the platform matures, so will our accuracy and coverage.