# VestBook > VestBook is a read-only wealth tracker for Indian families that brings mutual funds, shares, deposits, EPF and other holdings from the statements people already receive onto one private dashboard. VestBook is built for India. It is an information service: it shows facts from a family's own statements, never gives buy, sell or hold advice, and never places trades or moves money. Website: https://vestbook.in. App: https://app.vestbook.in. ## Who it is for - **VestBook Personal:** Individuals and families. Everything a family needs to see all its investments in one place. - **VestBook Wealth:** HNI families. For wealth spread across many accounts, people and platforms. - **VestBook Enterprise:** Advisers, wealth managers, family offices and PMS firms. One factual view of every client family, with access each client grants and can withdraw. ## How it works 1. **Upload what you already receive:** A CAS, a broker holdings report or an EPF passbook. No bank or broker password is ever asked for. 2. **Check what was read:** Every row is shown to you before anything is saved. 3. **See the whole family:** Everyone together, or one person, one platform or one basket at a time. ## What it does today - **Your whole family on one page:** See the family's total and each member's holdings in one view. Switch between the whole family, one person, one platform or one basket in a click. - **Add investments from the statements you already get:** Upload a Groww or Zerodha holdings report, a CAMS or KFintech mutual fund CAS, an NSDL or CDSL CAS, or an EPFO passbook. Files are read in seconds, and you check every row before it is saved. - **A dashboard that answers the obvious questions:** How much is in equity, debt and gold? Where is it held? Who holds what? Allocation charts and a sortable holdings table show it at a glance, with profit and loss on what you invested. - **Yearly returns from your own records:** XIRR for each mutual fund, worked out from the full transaction history in a detailed CAS. Where the history is incomplete, the reason is shown instead of a guess. - **Custom baskets:** Group holdings across family members and platforms, such as "Retirement" or "Children's education", and see each basket's value, cost, profit and mix of assets. - **Fixed deposit and bond maturity reminders:** Track every fixed deposit, bond, NCD and sovereign gold bond with its maturity date. VestBook emails you 30 days and 7 days before each one matures. - **Checked against the source:** Each statement is matched to its own stated total, and broker holdings are checked against your depository statement. A figure that cannot be supported is shown as missing, never estimated. - **Your data, yours to take or delete:** Download a copy of everything VestBook keeps about you, or delete your account yourself at any time. ## Coming soon (not available yet) - **Consolidated reports to download:** A family wealth report as PDF or Excel, by member, platform and asset class. - **Property and loans, for true net worth:** Add property and loans, so net worth means what you own less what you owe. - **Limits you set yourself:** Set your own limits, such as equity under 60% or no more than 10% in one company, and see where you stand. VestBook never tells you what to buy or sell. - **Yearly return for the whole family:** XIRR across all holdings, for the family and for each member. ## For advisers, wealth managers and family offices Your clients hold wealth with several brokers, banks and fund houses. You see the share that runs through you. VestBook gives each family one factual record, built from their own statements, and gives your firm a single view across the families who invite you in. How it is designed to work: 1. **The family builds its record:** They upload the statements they already receive and check every row before it is saved. This part is live today. 2. **The client grants your firm access:** Access is read-only and recorded, and the client can withdraw it at any time. 3. **You see every family in one place:** Holdings by person, platform and asset class, and what matures next across your book. Not your back office: VestBook does not trade, rebalance, bill or hold custody, and it replaces none of the systems your firm runs. Orders stay with your broker. Advice and suitability stay with you. VestBook only keeps the client's full picture, in facts. What a compliance officer should know: - **It cannot move money:** There is no order, transfer or payment feature of any kind, and no bank or broker password is ever asked for. - **Data stays in India:** Stored and processed in Mumbai. Statement files are read in memory and then discarded. - **Identifiers are cut short:** Only the last four characters of a PAN, folio, demat or account number are kept. - **Consent sits with the client:** Each grant of access is recorded, and the client can withdraw it without asking the firm. - **Every change is logged:** An activity log shows who changed what, and when. - **No advice, no product sales:** VestBook shows facts and limits the user sets. It never suggests buying, selling or holding. What is built and what is planned: - **Firm workspace** (Being built with early-access firms): One view of every client family that has granted access, with maturities across your book and reports to download. - **White label** (Planned): The same product under your firm's name and logo, at your own address. - **API access** (Planned): Read each consenting family's consolidated record from your own systems and client portal. Firms apply for early access at https://vestbook.in/firms. ## Supported statements - CAMS and KFintech: Mutual fund Consolidated Account Statement (CAS) PDF, including transaction history for returns - NSDL and CDSL: Depository CAS PDF with shares, ETFs, bonds and mutual fund units held in demat - Groww: Stocks holdings and mutual fund holdings reports (Excel) - Zerodha: Console holdings report (Excel or CSV) - EPFO: Member passbook PDF from the EPFO member portal - Other brokers: Holdings exported as Excel or CSV, read by their column titles - Fixed deposits and bonds: Entered by hand from the deposit receipt or bond details - NPS: Statement of transactions from the CRA (coming soon) - PPF: Passbook or statement from the bank (coming soon) - ULIPs: Policy statements from insurers (coming soon) - Bank FD advice: Deposit advice PDFs from banks, read automatically (coming soon) ## Security and privacy - **Read-only, always:** VestBook has no way to place an order, move money or change anything at your bank or broker. It never asks for your bank or broker password. - **Your data stays in India:** Your account and investment information is stored in Mumbai, India. Statements are read on servers in Mumbai. - **Statement files are not kept:** An uploaded file is read in memory and discarded as soon as it is read. PDF passwords are used once and never saved or logged. - **Only the last four digits:** PAN, folio, demat and account numbers are never stored in full. Only the last four characters are kept. - **Each family kept apart:** Each family's information is separated by access rules inside the database itself, which are tested against attempts by other accounts to read it. - **Staff manage accounts, not wealth:** Administrators can manage sign-ins, but the app gives them no view of anyone's investments. - **Every change recorded:** Changes to your account are logged, so it is always clear who did what and when. - **Facts, never tips:** No buy, sell or hold suggestions, ever. VestBook shows facts from your own statements. ## Pricing Every plan is free during early access. Prices shown apply after early access ends and are before 18% GST. We will tell you well before any charge begins, and nothing is charged without your agreement. - Personal: ₹2,499 a year after early access - Wealth: ₹11,999 a year after early access - Enterprise: On request, priced per client family ## How to get each statement ### How to get your mutual fund CAS from CAMS or KFintech A mutual fund Consolidated Account Statement (CAS) lists the funds held under your PAN across fund houses serviced by CAMS and KFintech. One request covers both. 1. Open the CAMS website (or the KFintech investor site) and find the CAS or consolidated account statement request, usually under investor services or statements. 2. Choose the detailed statement, so it includes each transaction. VestBook uses the transactions to work out returns. 3. Choose the period. To see your full history, pick the widest period offered. 4. Enter your email address and PAN, and set a password for the PDF. 5. Open the email when it arrives and save the attached PDF. 6. In VestBook, open Upload, choose the PDF and enter the password you set. - The statement covers funds held in your own name. Each family member needs their own statement. - VestBook asks for the file's password only to open it while reading, and never saves it. Official site: https://www.camsonline.com. Guide: https://vestbook.in/guides/cams-kfintech-cas ### How to get your depository CAS from NSDL or CDSL If you have a demat account, a depository (NSDL or CDSL) emails a Consolidated Account Statement listing what you hold in demat across your demat accounts. 1. Search your email for the CAS from NSDL or CDSL. It is sent for each month with a transaction, and at least once every six months otherwise. 2. Save the attached PDF. The email says what its password is. 3. If you cannot find it, request a copy from the NSDL or CDSL website (cdslindia.com for CDSL). 4. In VestBook, open Upload, choose the PDF and enter its password. - Where a fund house statement or broker report already covers a holding, VestBook uses that and does not count the depository row twice. - VestBook asks for the file's password only to open it while reading, and never saves it. Official site: https://nsdl.co.in. Guide: https://vestbook.in/guides/nsdl-cdsl-cas ### How to download your EPF passbook from EPFO The EPF passbook shows the employee and employer contributions and interest for each member ID linked to your UAN. 1. Open the EPFO member passbook site and sign in with your UAN and password. Your UAN must already be activated. 2. Choose the member ID for the employer you want. 3. Download the passbook as a PDF. 4. In VestBook, open Upload and choose the PDF. - If you have worked for more than one employer, download a passbook for each member ID. Official site: https://passbook.epfindia.gov.in. Guide: https://vestbook.in/guides/epfo-passbook ### How to download your holdings report from Groww Groww provides holdings reports for stocks and for mutual funds as Excel files. 1. Sign in to Groww and open the reports section from your profile. 2. Download the stocks holdings report and, if you hold funds on Groww, the mutual funds holdings report. 3. In VestBook, open Upload and choose each Excel file. - VestBook never needs your Groww password. It reads only the file you upload. Official site: https://groww.in. Guide: https://vestbook.in/guides/groww-holdings ### How to download your holdings report from Zerodha Console Zerodha Console, Zerodha's back-office site, lets you download your current holdings as a file. 1. Sign in to Zerodha Console. 2. Open your holdings under the portfolio section. 3. Download the holdings as Excel or CSV. 4. In VestBook, open Upload and choose the file. - VestBook never needs your Zerodha password. It reads only the file you upload. Official site: https://console.zerodha.com. Guide: https://vestbook.in/guides/zerodha-holdings ## Glossary - **Asset allocation:** How a family's holdings are split across kinds of assets, such as equity, debt, gold and cash, shown as a share of the total value. - **Basket:** A VestBook term: a named group of holdings you choose, across family members and platforms, such as Retirement. - **CAS (Consolidated Account Statement):** A single statement listing investments under one PAN. Mutual fund CAS comes from CAMS and KFintech; depository CAS comes from NSDL or CDSL. - **CDSL and NSDL:** India's two securities depositories. They hold shares and other securities in electronic form in demat accounts. - **Demat account:** An account that holds shares, ETFs, bonds and some mutual fund units in electronic form, opened through a depository participant such as a broker or bank. - **EPF:** The Employees' Provident Fund, a retirement savings scheme run by EPFO, with contributions from the employee and the employer. - **ETF:** An exchange-traded fund: a fund whose units are bought and sold on a stock exchange like shares. - **Folio number:** The account number a fund house gives an investor. One person can have several folios. - **ISIN:** International Securities Identification Number, a 12-character code that identifies a security such as a share, bond or fund plan. - **Maturity date:** The date on which a fixed deposit or bond ends and its money is paid out. - **NAV:** Net asset value: the price of one unit of a mutual fund, published for each business day. - **RTA:** Registrar and transfer agent. CAMS and KFintech are the RTAs that keep investor records for most Indian mutual funds. - **SIP:** Systematic investment plan: a fixed amount invested in a mutual fund at regular intervals. - **UAN:** Universal Account Number, the number EPFO gives each member, which links the EPF accounts from different employers. - **XIRR:** A yearly rate of return that accounts for the date and size of each investment and withdrawal. VestBook shows it only where the statement includes the transactions it needs. ## About VestBook was founded by Jordan Dias. Jordan Dias is a technology and product strategy professional with over 24 years of experience across the BFSI sector, cybersecurity and enterprise technology. Passionate about building practical technology solutions, he founded VestBook with a vision to simplify wealth tracking and make financial information more accessible and meaningful. He believes individuals, families and financial professionals should have a clear, consolidated view of their wealth, enabling better visibility, informed decisions and stronger financial planning. https://www.linkedin.com/in/jordias/ ## Questions ### What is VestBook? VestBook is a read-only wealth tracker for Indian families that brings mutual funds, shares, deposits, EPF and other holdings from the statements people already receive onto one private dashboard. ### Is VestBook free? Yes, during early access every plan is free. After early access, Personal is planned at ₹2,499 a year and Wealth at ₹11,999 a year, before GST. Enterprise for firms is priced per client family, on request. ### Which statements can I upload? CAMS and KFintech mutual fund CAS, NSDL and CDSL depository CAS, Groww and Zerodha holdings reports, EPFO member passbooks, and holdings exported as Excel or CSV from other brokers. Fixed deposits and bonds are entered by hand. NPS, PPF, ULIP and bank FD advice statements are coming soon. ### Does VestBook need my bank or broker password? No. You upload statements you already receive. VestBook never asks for, and has no use for, your bank or broker login. ### Can VestBook buy, sell or move my money? No. VestBook is read-only. It has no trading or money-movement features of any kind. ### Does VestBook give investment advice? No. VestBook shows facts from your own statements. It never suggests buying, selling or holding anything. ### Where is my data stored? In India. Account and investment information is stored in a database in Mumbai, and statements are read on servers in Mumbai. ### Are my statement files kept? No. A file is read in memory and discarded as soon as it is read. PDF passwords are used once and never saved or logged. Only the holdings read from the file are saved. ### Who can see my investments? Only you, and family members or advisers you choose to give access to. VestBook staff cannot read your investment information through the app. Each family's information is kept apart by rules in the database itself. ### Does VestBook store my PAN or account numbers? Only the last four characters. PAN, folio, demat and account numbers are never stored in full. ### How does VestBook remind me about maturing deposits? Add each fixed deposit or bond with its maturity date. VestBook emails the account holder 30 days and 7 days before it matures, and you can turn reminders off. ### What is a basket? A named group of holdings you choose, across family members and platforms, such as Retirement. VestBook shows each basket's value, cost, profit and mix of assets. ### Can advisers and wealth firms use VestBook? Yes, through the Enterprise plan, in early access by application. Firms see the families who grant them access, and each client can withdraw that access. ### Does VestBook offer white label or an API for firms? Both are planned for the Enterprise plan and are not available yet. White label will put the product under a firm's own name and logo. API access will let a firm read the records of families who have given consent. ### Can I delete my data? Yes. You can download a copy of everything VestBook keeps about you, and delete your account yourself at any time from Your data in the account menu. ## Pages - [VestBook: everything your family owns, on one page](https://vestbook.in/): See your family's mutual funds, shares, deposits and EPF on one private, read-only page, built from statements you already get. Data stays in India. - [VestBook Personal: family investment tracker for India](https://vestbook.in/personal): See every family member's mutual funds, shares, deposits and EPF in one place, with baskets and maturity reminders. Free during early access, then ₹2,499 a year. - [VestBook Wealth: for HNI families in India](https://vestbook.in/wealth): One view across every broker, bank, fund house and family member, checked against depository statements. Free during early access, then ₹11,999 a year. - [VestBook for advisers, wealth managers and family offices](https://vestbook.in/enterprise): One factual view of every client family, with access each client grants and can withdraw. White label and API access are planned. Early access by application. - [Features | VestBook](https://vestbook.in/features): What VestBook does today and what is coming soon: family dashboard, statement upload, allocation, XIRR, baskets, maturity reminders and more. - [Supported statements | VestBook](https://vestbook.in/statements): VestBook reads CAMS and KFintech CAS, NSDL and CDSL CAS, Groww and Zerodha holdings reports, EPFO passbooks and Excel or CSV holdings files. - [Security and privacy | VestBook](https://vestbook.in/security): Read-only, data stored in India, statement files never kept, passwords never saved, and only the last four digits of PAN and account numbers stored. - [Pricing | VestBook](https://vestbook.in/pricing): Free during early access. Personal ₹2,499 a year and Wealth ₹11,999 a year afterwards, before GST. Enterprise priced per client family. - [Questions about VestBook](https://vestbook.in/questions): Plain answers on what VestBook does, what it costs, which statements it reads, where data is stored and who can see it. - [Apply for early access as a firm | VestBook](https://vestbook.in/firms): Advisers, wealth managers and family offices can apply for early access to VestBook Enterprise. - [Privacy | VestBook](https://vestbook.in/privacy): What VestBook collects, what it never keeps, where data is stored in India, and who can see it. - [Terms of use | VestBook](https://vestbook.in/terms): The terms for using VestBook, an information service that gives no investment advice. - [Guides: how to get your investment statements | VestBook](https://vestbook.in/guides): Step-by-step guides to getting your mutual fund CAS, NSDL or CDSL CAS, EPF passbook and Groww or Zerodha holdings reports. - [How to get your mutual fund CAS from CAMS or KFintech](https://vestbook.in/guides/cams-kfintech-cas): Request the Consolidated Account Statement (CAS) that lists every mutual fund folio under your PAN, and upload it to VestBook. - [How to get your depository CAS from NSDL or CDSL](https://vestbook.in/guides/nsdl-cdsl-cas): Find the depository Consolidated Account Statement that lists shares, ETFs, bonds and mutual fund units held in demat, and upload it to VestBook. - [How to download your EPF passbook from EPFO](https://vestbook.in/guides/epfo-passbook): Download the EPF member passbook PDF with your UAN and upload it to VestBook to see your provident fund balance. - [How to download your holdings report from Groww](https://vestbook.in/guides/groww-holdings): Download Groww's stocks and mutual fund holdings reports as Excel and upload them to VestBook. - [How to download your holdings report from Zerodha Console](https://vestbook.in/guides/zerodha-holdings): Download your holdings from Zerodha Console as Excel or CSV and upload the file to VestBook. - [Glossary of Indian investment terms | VestBook](https://vestbook.in/glossary): Plain definitions of CAS, demat, folio, ISIN, NAV, RTA, SIP, UAN, XIRR and other terms on Indian investment statements. - [About VestBook and its founder](https://vestbook.in/about): VestBook is a read-only wealth tracker for Indian families, founded by Jordan Dias.