Data last verified: June 2026
XIRR in Zerodha and Groww Explained: How to Check Your Mutual Fund Returns
Learn how to find and understand your XIRR in Zerodha Coin and Groww. Discover how these apps calculate mutual fund returns and how to track your overall portfolio.
Jashmin is a finance professional and founder of AbacusHand. She specialises in EMI & loan planning, income tax under old and new regimes, and SIP investment analysis for Indian households. Every calculator and article on AbacusHand is personally reviewed by her for accuracy.
If you are investing in mutual funds through popular platforms like Zerodha Coin or Groww, you have likely noticed the term 'XIRR' prominently displayed on your portfolio dashboard. While it is great that these apps show you your returns, many investors do not fully understand what this number means, how it is calculated, or its limitations. If you want to know exactly how to check your XIRR in Zerodha and Groww, and what it tells you about your financial health, this guide breaks it all down.
What Does XIRR Mean in Investment Apps?
In simple terms, the XIRR (Extended Internal Rate of Return) shown on Zerodha and Groww represents the annualized rate of return your mutual fund investments have generated. Because you likely invest through monthly SIPs (where each installment has a different time horizon), simple absolute returns are misleading. XIRR accounts for the exact date and amount of every single SIP installment, giving you the true, time-weighted annual return of your portfolio. You can read more about why this metric is crucial in our guide on XIRR vs CAGR.
How to Check XIRR in Zerodha Coin
Zerodha Coin makes it very straightforward to track your mutual fund performance. Here is how you can find your XIRR on both the mobile app and the web console:
Steps to find XIRR in Zerodha Coin:
- Open the Zerodha Coin mobile app or log in to the web console.
- Navigate to the 'Portfolio' or 'Holdings' tab and select 'Mutual Funds'.
- At the very top of the dashboard, you will see your 'Invested' amount, 'Current Value', and the overall portfolio XIRR.
- To check the XIRR of a specific scheme, click on the fund name. The scheme-level summary will display the XIRR for that particular investment.
- Note: Zerodha also provides a 'Returns' tab where you can view your XIRR across different timeframes (1Y, 3Y, 5Y, etc.).
How to Check XIRR in Groww
Groww is known for its highly intuitive user interface, and tracking your returns is one of its strongest features. Here is how to locate your XIRR on the Groww app:
Steps to find XIRR in the Groww app:
- Open the Groww app and tap on the 'Mutual Funds' section at the bottom.
- Go to the 'Portfolio' tab to see all your active investments.
- At the top of the screen, Groww displays your total investment, current value, and the overall 'XIRR' in a clear, easy-to-read format.
- Tap on any specific mutual fund scheme to see its individual XIRR, absolute returns, and a graphical representation of your gains over time.
Is There a Difference in How Zerodha and Groww Calculate XIRR?
The short answer is no. Both Zerodha and Groww use the exact same mathematical XIRR formula to calculate your returns. The underlying data (your transaction dates, amounts, and the daily NAVs) is sourced from the same registrars (CAMS and KFintech). However, you might occasionally see a microscopic difference (e.g., 12.45% on Groww vs 12.42% on Zerodha) if you hold the same fund on both platforms. This happens due to slight variations in the exact time the app fetches the end-of-day NAV or how they handle fractional units.
The Hidden Problem: Calculating XIRR Across Multiple Apps
Here is the biggest limitation of checking XIRR on Zerodha or Groww: they only show the XIRR for investments made *through their specific platform*. If you have SIPs running in Groww, some lumpsum investments in Zerodha Coin, and a few direct funds via your bank's website, neither app can show you your *overall* portfolio XIRR. Relying solely on app dashboards gives you a fragmented view of your wealth.
How to Calculate Your Complete Portfolio XIRR
To get the true picture of your wealth creation, you need to calculate the XIRR of your entire mutual fund portfolio across all platforms. The most accurate way to do this is by downloading your Consolidated Account Statement (CAS) from CAMS or KFintech. Once you have the statement, you can extract all your transaction dates and amounts and plug them into our free XIRR calculator. Alternatively, you can use the Excel method outlined in our guide on how to calculate XIRR in Excel.
Important Note on Dividends: If you invested in an IDCW (dividend) plan and withdrew the dividend payouts to your bank account, your XIRR on Zerodha or Groww will look artificially low. This is because the app only calculates returns on the money remaining in the mutual fund. To get the true return, you must add the withdrawn dividends back into your final portfolio value before calculating XIRR.
Invested across multiple apps? Find out the true annualized return of your entire mutual fund portfolio in seconds.
Calculate Overall XIRRFrequently Asked Questions
The difference is usually negligible (a few basis points) and occurs due to the exact timing of when the app fetches the end-of-day NAV, or how the platform handles fractional units and dividend reinvestments. The underlying mathematical formula used by both apps is exactly the same.
No, the XIRR displayed on any mutual fund app is the pre-tax, gross return. It does not account for the capital gains tax (LTCG or STCG) you will have to pay when you redeem your units. Your post-tax return will always be lower than the XIRR shown on the app.
No, neither Zerodha nor Groww can track investments made on competing platforms. To see your overall XIRR across all apps, you must download your Consolidated Account Statement (CAS) and use a standalone XIRR calculator or Excel.
A sudden drop in XIRR usually happens for two reasons: 1) The stock market experienced a sharp correction, lowering the current NAV of your funds, or 2) You received a dividend payout (IDCW) that was credited to your bank account, which reduces the current value of your mutual fund holdings on the app.