Questions people ask about VestBook
Short, plain answers about what VestBook does, what it costs and how it looks after your data.
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.