Track External Mutual Funds On INDmoney
Import mutual funds bought through other brokers, AMCs, banks or investment platforms and track them with your INDmoney holdings in one place. See current value, invested value, returns, XIRR, SIPs, dividends, allocation and tax details across your full mutual fund portfolio.
Why Track External Mutual Funds?
See Total Value
View your total invested value and current value across INDmoney and external mutual funds. If you have ₹3 lakh on INDmoney, ₹2 lakh with an old broker and ₹1 lakh with an AMC, your real mutual fund portfolio is ₹6 lakh, not just the value shown on one app.
Know Actual Returns
Your return view is incomplete if old funds are missing. For example, if your oldest SIP was started five years ago on another platform, ignoring it can make your XIRR look very different, especially when older SIPs have had more time to compound.
Find Old Active SIPs
Old SIPs may continue running even when you stop checking that platform. You may think your monthly SIP is ₹10,000, but after importing external funds, you may find another ₹5,000 SIP still active through a bank or broker.
Spot Funds Overlap
Owning many funds across apps can make your portfolio look diversified. But once all funds are visible together, you may find that three different funds are all large-cap heavy or holding similar top stocks.
Identify Regular Plans
Imported funds can help you find regular plans bought through other brokers. For example, an old ELSS fund bought through a bank may still be a regular plan, even if your newer investments are direct plans.
Review Tax Details
Capital gains, losses and dividend or IDCW income can come from funds held across different platforms. Tracking external mutual funds helps bring these details into one place, making ITR review easier.
How To Track External Mutual Funds On INDmoney
Verify With MF Central OTP
Open the Mutual Funds tab on INDmoney and click on 'Track Other Funds'. Verify your details through the MF Central OTP to give consent for fetching your external mutual funds.
Select AMCs & Sync Holdings
Choose the AMCs whose mutual fund holdings you want to track. These can include funds bought through brokers, banks, AMC websites or other investment platforms.
View & Analyse Full Portfolio
Once synced, your external funds appear with your INDmoney holdings. You can then track invested value, current value, returns, SIPs, allocation, dividends and tax details in one place.
What Can You Track After Importing External Mutual Funds?
Total Mutual Fund Value
See your full invested value and current value across INDmoney and external mutual funds. This shows how much money you invested and what your units are worth today. For Example: You invested ₹4 lakh across old platforms and ₹2 lakh on INDmoney. After importing, you can see your full ₹6 lakh invested base and its current value together.
XIRR Across All Funds
Track annualised returns across SIPs, lumpsum investments and redemptions. XIRR gives a better return view when investments happen on different dates. For Example: A ₹5,000 SIP from 2020 and a ₹50,000 lumpsum from 2025 cannot be judged with a simple average return. XIRR adjusts for when each amount was invested.
Active SIPs Across Platforms
See SIP commitments across imported and INDmoney funds. This helps you understand how much money is actually going into mutual funds every month. You may think your SIP outflow is ₹10,000 per month, but after importing external funds, you may discover old SIPs that take the real number much higher.
Fund-Wise Performance
Check which funds are contributing to returns and which ones are lagging. A portfolio can look profitable overall while one fund quietly underperforms for years. Fund-wise tracking helps you identify whether every fund still deserves a place in your portfolio.
Allocation and Overlap
Review exposure across fund categories, sectors and market caps. This helps you spot concentration. Say, you may own five funds, but if all of them have high exposure to large-cap stocks, your portfolio may not be as diversified as it looks.
Dividend and IDCW Income
Track dividend or IDCW income from mutual funds in one place. This is useful if you hold payout-based fund options across different platforms. It also helps during ITR filing because dividend income should be reviewed along with your other income details.
Get Portfolio Analytics On Tracked Mutual Funds
Once your external mutual funds are imported, INDmoney can include them in your Portfolio Analytics along with your INDmoney holdings. This means your portfolio review is not limited to only the funds bought on one app. You can see how your full mutual fund portfolio is performing, where your money is invested, which funds are helping returns, and where hidden risks may be building.
With Portfolio Analytics on tracked mutual funds, you can review:
- Full Portfolio XIRR: See annualised returns across INDmoney and external mutual fund transactions.
- Fund-Wise Performance: Identify which funds are contributing to returns and which ones are underperforming.
- Market-Cap Allocation: Check exposure to large-cap, mid-cap and small-cap funds across your full portfolio.
- Sector Exposure: See whether multiple funds are creating hidden concentration in sectors like financials, IT, energy or healthcare.
- Equity vs Liquid Split: Understand how much money is in growth-oriented funds and how much is in lower-volatility or liquid funds.
- Dividend / IDCW Tracking: Review dividend income from mutual funds in one place.
- Portfolio Overlap: Spot funds that may be holding similar stocks or adding duplicate exposure.
This helps you take cleaner decisions after importing external funds, such as whether to continue a fund, stop an old SIP, switch a regular plan to direct, redeem an underperforming fund, rebalance allocation or avoid adding another similar fund.
Frequently Asked Questions On Tracking External Mutual Funds
You can see them on another app, but that app usually shows only the funds bought or held there. If you have mutual funds across multiple platforms, each app shows only one part of your portfolio. Tracking external mutual funds on INDmoney helps you see your full portfolio in one place. This matters because decisions like “Am I investing enough?”, “Is my portfolio diversified?” or “What is my actual XIRR?” need complete data, not just one platform’s view.
No. Tracking external mutual funds does not move your money. It only brings your mutual fund data into INDmoney for visibility and analysis. Your mutual fund units are not sold, redeemed, switched or transferred just because you track them. Think of it like adding your bank accounts to a money-tracking app. The app can show your balances, but the money does not automatically move.
No. Your existing broker, AMC, bank, folio and investment platform do not automatically change when you import external mutual funds. Your holdings continue to remain where they are. INDmoney only helps you view and analyse them in one consolidated portfolio unless you separately choose to take an action such as switch, redeem or invest.
External mutual fund tracking usually brings in details such as fund name, folio details, units, invested value, current value, transactions, SIP history, returns and other portfolio-level information, depending on the supported import flow. This data helps INDmoney calculate your total portfolio value, XIRR, fund-wise returns, allocation and tax-related details. Before publishing, confirm the exact fields available in the current product flow.
Yes. Mutual funds bought directly from AMC websites can be tracked on INDmoney if they are available through the supported import flow. This is useful because many investors buy direct plans from AMC websites but later struggle to track them with funds bought through brokers, banks or other apps.
Yes. Mutual funds bought through banks, brokers or distributor platforms can be imported and tracked if the data is available through the supported import flow. This is especially useful for older investments. Many investors start their first ELSS or SIP through a bank, then later shift to direct platforms. Importing helps bring those old holdings back into the main portfolio view.
No. Importing external mutual funds does not stop or change old SIPs. If an SIP is active on another platform, it will continue unless you separately stop or modify it through the relevant platform or supported flow. Tracking only helps you see that the SIP exists and understand how it affects your overall monthly investment amount.
Yes. Imported data can help you view SIP-related holdings and performance from other platforms, depending on the data available. This matters because many investors underestimate their actual monthly SIP commitment. You may think you are investing ₹10,000 per month, but after importing external funds, you may find older SIPs that take the real commitment to ₹15,000 or ₹20,000.
Yes. Once holdings and transaction data are available, INDmoney can help show XIRR across your tracked and INDmoney mutual fund holdings. XIRR is important because mutual fund investments usually happen across different dates. A SIP made three years ago and a lumpsum investment made last month cannot be judged using the same simple return calculation. XIRR adjusts for timing and gives a better annualised return view.
Yes. Importing external mutual funds can help identify regular plans in your portfolio. This is important because many investors do not realise that older funds bought through banks, brokers or distributors may be regular plans. Regular plans usually have a higher expense ratio than direct plans because distributor commission is built into the cost. After identifying them, you can evaluate whether switching to direct makes sense.
Yes. Importing external mutual funds can help you review capital gains, losses, dividend income and other tax-related details across platforms. This is useful because mutual fund transactions may be spread across banks, brokers, AMCs and investment apps. A consolidated view reduces the chance of missing old investments or dividend income while reviewing tax details.
Track All Your Mutual Funds In One Place
Import mutual funds bought through other brokers, AMCs, banks or platforms and track your full portfolio with returns, XIRR, SIPs, allocation, dividends and tax details on INDmoney.