Every rupee that moved
Net money inYou think you’ve invested ₹1.48 crore. You’ve actually put in ₹86.85 lakh — the rest was the same money going round again.
Nothing to sell you. No commission, ever.
What your money
actually did.
Drop in the statements you already have. See what you really own, what it really cost you, and whether you’d have done better doing nothing at all.
Start with one statementRuns in your browser. Nothing uploaded, no account, no server.
What you get back
Six answers, from files
already sitting in your inbox.
Every card below is a real screen, filled with an example family’s figures. Two of these you could piece together elsewhere. The other four, nowhere.
₹86,85,000
Every fund vs the index
DifferenceEight years of picking, watching and switching — and you’re ₹12.3 lakh ahead of having done nothing at all. Now you know.
The same company, held more than once
The householdOnce in your demat account, and again inside three of your funds.
Crossing into long-term
Coming upThree holdings cross the one-year mark next month, and ₹1,25,000 of this year’s tax-free limit is still sitting unused.
The running bill
Cost against what it boughtWhat investing has actually cost you since 2019 — brokerage, STT, stamp duty, fund fees. Every rupee read off a document.
Book by book
Total nowTwo people, three accounts, mutual funds and US stocks — one number, with every figure’s source one tap away.
Every statement in.
One book out.
Funds from CAMS and KFintech, stocks from whichever broker you use, US holdings from Vested — read on your own device and merged into a single household book.
CAMSDetailed CAS
KFintechDetailed CAS
ZerodhaTradebook · Tax P&L
Groww
Upstox
Angel One
ICICI Direct
Paytm Money
VestedUS holdings
Kotak Neo
CAMS
KFintech
Zerodha
Vested
Groww
Upstox
Angel One
ICICI Direct
Paytm Money
Kotak Neo
Built and tested against real statements
Read by matching column names — and named by what it looked for when a file won't read
Who pays for it?
Munshi ji is paid by nobody,
so nothing in it is arranged to make you act.
That one fact is what every row below comes down to — and it’s why it will tell you, plainly, when an index fund would have done better.
What Munshi ji does
Who pays for it
✓ Nobody
No commission, no cut of anything, no paid tier waiting three screens in.
No commission, no cut of anything, no paid tier waiting three screens in.
What counts as money you invested
✓ Only new money
Money in excludes anything bought with the proceeds of a sale. Only what actually left your bank counts, and switching funds around isn’t investing more.
Money in excludes anything bought with the proceeds of a sale. Only what actually left your bank counts, and switching funds around isn’t investing more.
How it compares you to the index
✓ Your own dates
Your real money, put into an index fund on the days you put it in — never last year’s index return against your return, a figure nobody earned on dates you never invested.
Your real money, put into an index fund on the days you put it in — never last year’s index return against your return, a figure nobody earned on dates you never invested.
When it doesn’t know something
✓ Tells you
Names exactly what’s missing and which file would fill it. A blank is never shown as a zero.
Names exactly what’s missing and which file would fill it. A blank is never shown as a zero.
Where your statements sit
✓ Your device
Read in your browser. Nothing is uploaded, because there’s nowhere to upload it to — no server, no database, no copy anywhere.
Read in your browser. Nothing is uploaded, because there’s nowhere to upload it to — no server, no database, no copy anywhere.
How much have you really invested?
You have probably invested
far less than you think.
When you sell one fund and buy another with the proceeds, no new money went in — and Munshi ji’s “money in” does not move. It was the same rupee, moving. Count it twice and every return you see is wrong.
Capital in, not cost basis
The money that crossed your bank account is the only honest denominator for a return. Internal churn inflates a money-in figure. Munshi ji’s excludes it.
Munshi ji computes both, keeps them apart, and shows its working for each.
Example ledgerFY19–FY27
Everything you boughtwhat the statement adds up to₹1,48,20,000
Bought with sale proceedsthe same rupee, working twice− ₹61,35,000
Capital inmoney that crossed your bank₹86,85,000
What it won’t guess
When it doesn’t know,
it says so.
No estimates, no averages, no quietly filling a gap with a plausible number. If something is missing you’ll see exactly what, and exactly which file would fix it. That’s the only reason to trust the numbers that do show up.
Still dark
The look-through for three of your funds
Their fund houses aren't among the four whose monthly disclosures are read. Needs: nothing you can do — this one is on us.
Still dark
Your broker account since 11 February
The last trade read is 11 February and your holdings are a live snapshot, so 209 days sit unwitnessed. Needs: a tradebook covering 11 Feb → today.
Held out
Three positions your trades don't explain
They arrived some other way and carry no cost basis in these documents, so they count in nothing. Needs: the tradebook that bought them.
What you need to bring
Three documents, in the order
that pays you back fastest.
You don't need step two until step one has shown you something. Stop after the CAS and you still have a working fund book.
01
One email to CAMS or KFintech
Ask for a detailed Consolidated Account Statement. It lands in your inbox in minutes, locked with your PAN. That single file has every mutual fund you have ever owned, at every fund house, going back to your first SIP.
~5 min02
Tradebooks and holdings
One tradebook per financial year plus today's holdings. This turns a fund book into a portfolio, and lets the index comparison cover everything you own.
~20 min03
Your tax P&L
Every documented charge, the realised gains, the set-off and carry-forward, and buy dates for lots older than the tradebook window.
~10 minWhere your data goes
Nowhere. It never leaves
your own laptop.
Your statements are read right here in the browser, and the numbers stay on this device. No account to create, no password, and no company anywhere holding a copy of your finances — because there is no company.
✓Check it yourself, in ten seconds
Open your browser’s network tab, then drop a statement in. Anything it lists is the app fetching its own files from munshiji.app — the same files for everyone — and nothing is uploaded. You do not have to believe me.
✓Your PAN and folio numbers are masked
Masked the moment the statement is read, and the full values are never stored anywhere.
✓No account, no password, no sync
There is nothing to sign into, so there is no database with your name in it to leak.
NameStatusTypeSize
0 B uploaded
Recording while an 18-page CAS is imported
munshiji.app onlyGET only0 B uploaded
The trade: because nothing sits on a server, clearing your browser data clears your portfolio — so exporting a backup matters, and the app keeps reminding you. Your phone and your laptop also hold separate books until you move an export between them.
Who made this
One person, for
one household.
I'm Vrushank. I built Munshi ji because I couldn't answer a simple question about my own portfolio: how much money had I actually put in, and had any of it been worth the effort compared with an index fund. Added up statement by statement, the same rupee counted three times.
So it was built against my own household's statements first — eight years, two people, four books — and every figure on every screen had to reconcile against a document before it was allowed to appear. Where it couldn't, it says so instead of estimating.
There's no company here, no funding and nothing for sale. That isn't modesty — it's the reason the index comparison can exist at all.
The limits, stated up front
What Munshi ji will not do.
✕No advice. No scores, no ratings, no "consider rebalancing". It reports; it doesn't recommend.
✕Not SEBI-registered. Not an adviser, analyst, broker or distributor — which is precisely why it can show you the index comparison.
✕No automatic sync. Account Aggregator caps depository history at two years. Your statements go back to inception. Files win.
Start with one email.
Five minutes from now you could know what your funds are really worth, what they have really cost you, and whether all of it beat leaving the money in an index fund.
Start with one statementNo sign-up. Nothing uploaded. Close the tab and nothing follows you.