Paisaverse Help Center

Paisaverse currently supports equity and ETFs on NSE and BSE.

Global portfolio trackers handle multi-currency, but few go deep on FX — most convert your portfolio at today's rate and stop there. Paisaverse decomposes every position into Price Impact and FX Impact, maintains that decomposition at the portfolio level, and computes home-currency XIRR from the actual rate of each cash flow — not a single current-rate conversion. And global tools miss the Indian accounting nuances entirely: per-demat FIFO, Indian corporate actions, TDS, DTAA treaties.

Indian trackers get the India side right, but offer minimal outside view.

Paisaverse is built to hold its own on both fronts: India-native accounting as rigorous as the established Indian tools, and FX and cross-border analytics that go deeper than most global ones.

Access to asset classes has already increased — and it keeps evolving at record speed. The systems that track your performance and tax need to talk to each other as effectively as that access has grown. That's why Paisaverse is being built as a wealth intelligence layer, not another tool: data flowing in from many places, full visibility in one — nothing stitched together.

• Platform: Web app. A mobile app is in development.
• Sign up: Email + password
• Pricing: The Essential plan is available now at beta pricing. Your 14-day free trial starts when you sign up — no separate step. All features are on Essential during the beta; as Paisaverse grows, the plan structure may evolve and some features may later be reserved for higher plans.

Beta user benefit. Subscribe during the beta and get the Higher Tier plan free when it launches — one month on the monthly plan, three months on the yearly plan.

Setup takes under 10 minutes. Follow the five steps in order — each one builds on the previous.

Lock your home currency first. Once you upload trades or record remittances, your home currency is locked. Set it in Settings → Currency before doing anything else.

Settings has six sub-tabs:

Paisaverse doesn't create demat accounts — when you upload a tradebook, it saves the account by broker and account type, and this combination is called an Account in Paisaverse. After the upload, you assign the account type. The type determines which TDS rate applies and which treaty logic runs on trades from that Account — so set it correctly.

You can have more than one account. If you hold the same stock in two accounts, each account keeps its own separate FIFO queue — see Trade lots & FIFO.

1. From the top menu of any screen, tap + → Upload Trades. Currently supported: Zerodha Tradebook, with more brokers being added. Select your broker and upload the file.
2. Using a different broker? From the same screen, download the Paisaverse Excel template, fill in your trades, and upload it. The template works for any broker.
3. Add individual or off-market entries. The add menu on the Trades tab has Add Trades (manual entries) and Add Off Market Trades — IPO allotments, buybacks, and rights entitlements don't appear in broker tradebooks, so enter each one individually there.

Order doesn't matter. Uploading chronologically is fine, but it's not necessary — when you run Reset & Replay (Step 4), Paisaverse sorts every trade into correct chronological order and rebuilds your FIFO lot history automatically.

Once all trades are in, run Reset & Replay from the Trades tab. This rebuilds your entire portfolio from scratch — every trade and corporate action reprocessed in correct chronological order. See Reset & Replay for how it works and when to use it.

The Mobility Timeline records where you've lived over time. Each row captures: Residence Country, Start Date, End Date, Tax Treaty Country, Treaty Start, Treaty End. Add a new row each time you move.

You enter and maintain the timeline yourself — Paisaverse uses it to process your tax view but doesn't verify any of it, and you can change it anytime. You can also run scenarios: what if I had lived there, and what would I have paid? More features will be announced shortly.

The Tax Overview tab uses this timeline to apply the correct DTAA treaty and residence-country tax rules for each period. If the timeline is incomplete, your tax view will be incomplete. The dual-country tax output is shown only for NRI account types (NRE-PIS, NRO-PIS, NRO-NON-PIS); Resident accounts don't use the Mobility Timeline.

Treaty selection is your responsibility. The Tax Treaty Country field is separate from Residence Country — Paisaverse does not auto-select or verify which treaty applies to you. If you're unsure, consult a qualified tax advisor before filing.

The account type on each demat account is the single most important setting for your tax view. Paisaverse uses it to determine which TDS rate applies to each sell (STCG and LTCG are treated separately), and whether DTAA treaty relief is available.

Paisaverse applies TDS rates based on the commonly used method for each account type. Your actual deducted TDS can differ — broker practice and individual circumstances vary. That's why every rate we apply is shown in the Tax Ledger export: you or your CA can compare our applied rates against the TDS actually deducted, line by line.

Every buy creates a trade lot — a record of the shares purchased, the price paid, the date, and the account. When you sell, Paisaverse consumes lots in strict chronological order (FIFO) within each demat account, as required by Indian tax law.

The holding period for each lot runs from its acquisition date. For lots created by corporate actions — bonus shares, demerger children, merger exchanges — the acquisition date is determined as per Indian income tax rules, not the corporate action date. This matters for the 12-month STCG/LTCG boundary under Section 2(42A).

FIFO is per demat account, not across accounts. If you hold the same stock in an NRE-PIS account and an NRO account, each has its own FIFO queue. Lots from different accounts are never mixed.

Paisaverse follows the same return methodology as Indian mutual funds:

XIRR includes every cash flow — buys, sells, and dividends. Corporate actions with no actual cash flow are handled with synthetic cash flows: when a new company is formed in a demerger, for example, Paisaverse creates the synthetic flows for the child entity and adjusts the parent's XIRR accordingly — so your XIRR stays correct on both sides.

Returns are calculated in two currencies:

Use the currency toggle in the top-right corner to switch the entire app between INR and your home currency at any time.

Tax currency is separate from performance currency. Performance (XIRR, Price Impact, FX Impact) uses your home currency from Settings. Tax calculations use the currency of the treaty country in your Mobility Timeline, converted at that country's prescribed FX rate source. Changing your home currency does not affect your tax output.

Every position is decomposed into two components:

A stock can be up 30% in INR while your EUR return is nearly flat — because the rupee weakened. A flat INR year can look like a gain in AED if the rupee strengthened. Paisaverse shows both so you never mistake one for the other.

FX Impact is the lens that grounds your numbers in true performance — whether you're benchmarking against other investments or simply want to know what your holdings are actually worth to you.

Bonus shares inherit the original funding rate. Bonus shares involve no new cash outflow, so Paisaverse links them to the funding rate of the lot they came from. They may have zero cost for tax purposes, but they still show Price Impact and FX Impact in your portfolio view.

Paisaverse uses different FX rate sources for different jobs, each chosen for what it does best:

Recording remittances is optional, but recommended:

• If you log a remittance (under CASHFLOW → Remittances), Paisaverse uses the actual FX rate of that transfer as the funding rate for subsequent trades.
• If you don't, it falls back to the exchange rate on each trade date.

Logging remittances gives a more accurate home-currency return, where the trade-date rate and your actual transfer rate can differ materially.

Reset & Replay rebuilds your portfolio from the ground up: every trade, every corporate action, every FIFO allocation reprocessed in strict chronological order. The result is deterministic — the same inputs always produce the same output.

It runs at two levels:

Why a replay instead of incremental updates? Every change triggers a clean recalculation from the first trade. There is no partial state that can drift or accumulate errors over time. It is always safe to run at either level. Per-symbol replay is faster and comes with a higher monthly limit than full-account replay.

Editing or deleting a trade also triggers a recalculation automatically, so your holdings and FIFO lots stay in sync immediately.

Your home screen. Shows current holdings across all connected demat accounts, with unrealised gains computed against original cost. Two pie charts show allocation by broker and by asset class.

Drill into any holding to see its underlying lots — quantity, buy date, cost per share, current price, and the Price Impact / FX Impact breakdown.

Price data: Valuations use official end-of-day prices from NSE and BSE. 15-minute-delayed prices during market hours are on the way. FX rates for current home-currency values come from Open Exchange Rates — see FX rate sources.

Four sub-tabs: Holdings (current positions), Today's Trades (intraday activity), Trade History (complete log), and Tax Lot Harvesting History (lot-wise tax positions of active holdings).

From here you can:

• Tap + to Upload Trades (broker file or Paisaverse Excel template), Add Trades (manual entries), or Add Off Market Trades (IPO allotments, buybacks, rights)
• Run Reset & Replay after any bulk import, or whenever portfolio figures look unexpected
• Activate Action Mode for editing and additional options. The three-dot menu on each holding offers: View Transactions, View Tax Lots, Reset & Replay for this symbol, Buy/Sell that symbol, and Add Off Market Trades (IPO, buyback, rights entitlement)

Holdings (EUR)Holdings (INR)Tax Loss Harvesting (EUR)Tax Loss Harvesting (INR)

Lists corporate actions affecting stocks you hold or have held, in three views: History (already applied), Review (pending your confirmation), and Upcoming (not yet effective).

Paisaverse maintains a verified dataset of corporate actions from Indian exchanges. In most cases the action appears automatically — you just confirm it in Review if prompted. Use Auto-apply Corporate Actions for normal use, and Reset & Replay as a safety net if anything looks off after an action is applied — or if trades in between were not yet logged when the action ran.

When an action is in Review: this view shows corporate actions whose effective date has passed. Actions can't be manually edited — the details come from the company and the exchanges. The five core corporate actions (split, bonus, merger, demerger, dividend) are applied automatically; an edit option for actions needing manual intervention may come later as we learn from user feedback.

How each action type is handled:

Currently in testing. Computes capital gains (STCG and LTCG), Indian tax, TDS deducted, refundable TDS against the DTAA treaty, and estimated tax in your country of residence — based on your account types and the treaty country set in your Mobility Timeline.

The Tax Ledger export gives you every number used in the calculation, lot by lot, so you or your CA can verify the workings. See Verify every number.

Tax Overview is a starting point, not a filing. Your specific tax situation depends on your total income, residency facts, and factors Paisaverse doesn't see. Engage a qualified CA in India and a tax advisor in your country of residence before filing.

Record transfers from your home currency to India. Each entry captures the date, amount, FX rate used, and what portion of the remittance to track. Logging remittances improves the accuracy of your home-currency returns — see Remittances & the funding rate.

Shows the funds currently under tracking — both logged remittances and any auto-allocated balance. Use it to reconcile how much of your transferred money has been deployed into investments versus what remains undeployed.

1. Settings → Currency — lock your home currency first.
2. + → Upload Trades — upload all your trade files. Chronological order is fine but not required; Paisaverse handles the sequencing. Assign the correct account type when asked after each upload.
3. Trades tab → Add Off Market Trades — add IPO allotments, buybacks, and rights entitlements. These won't be in a tradebook.
4. Run Reset & Replay — every trade is sorted chronologically and the portfolio recalculates from the first trade.

For brokers other than Zerodha, download the template from + → Upload Trades and fill it in. One row per trade.

After the upload, Paisaverse asks for the demat account type — fill that in for the trades to be processed.

Make sure dates follow the exact format shown in the template — mismatched date formats are the most common upload error.

Every trade in your history can be edited or deleted: open it from Trade History, activate Action Mode, then use the edit or delete option.

Any change — fixing a price, correcting a date, removing a duplicate — automatically triggers a recalculation, so your holdings, FIFO allocation, gains, and XIRR stay consistent with the corrected data.

Common reasons to edit a trade: an incorrect buy price from a broker file, a wrong trade date, a duplicate entry from an overlapping import, or an off-market trade entered with the wrong quantity.

Reset & Replay is always safe to run at either level — it never loses data, only recalculates from it.

For broker-vs-Paisaverse P&L differences and other common questions, see the FAQ page.

Paisaverse applies the DTAA treaty you set in your Mobility Timeline to every gain, for every period. Depending on the treaty, the outcome differs:

• India has no taxing right under some treaties — TDS deducted in India is then potentially refundable, and Paisaverse tracks the refundable amount.
• No capital gains tax in your residence country — Indian tax applies in full, and Tax Overview shows India-only tax.

Tax Overview shows which treatment applies to you, period by period, based on your timeline. Paisaverse does not compute Foreign Tax Credits — where your residence country credits Indian tax against its own, that calculation is for you and your tax advisor, using the figures from the Tax Ledger.

DTAA rules differ materially by country — verify with a qualified CA. Don't assume one country's treatment applies to another, and don't rely on Paisaverse to determine your treaty position. Your own facts may change the outcome.

When you export your Tax Ledger, Paisaverse includes every number used in the calculation — each lot, acquisition date, FX rate, holding period, gain, TDS entry, and the treaty treatment applied. You or your accountant can verify the workings line by line, not just trust a summary figure.