Groww XIRR Calculator: See Which Decisions Shaped Your Returns
Groww shows you made money. TrueXIRR shows which decisions made that money. Upload your trade history and see the difference.
Groww's P&L vs. Actual Returns: The Gap
Groww shows you a simple profit or loss number. But it doesn't show you which decisions contributed to that number.
Here's the catch: Groww shows XIRR for mutual funds but NOT for stocks. If you're an equity investor on Groww, you only see absolute P&L — which can be misleading.
- Did your partial sell in Stock A improve your XIRR or reduce compounding?
- Did averaging down in Stock B improve your returns or just repeat a mistake?
- Which holdings are worth the time and capital you're giving them?
Groww App vs TrueXIRR: What You Get
| Feature | Groww | TrueXIRR |
|---|---|---|
| Stock P&L | ✓ Absolute only | ✓ + XIRR |
| MF XIRR | ✓ | ✓ SIP Calculator |
| Per-stock XIRR | ✗ | ✓ |
| Decision Impact | ✗ | ✓ |
| Behavioral Analysis | ✗ | ✓ |
| CSV Export | Desktop only | Imports CSV |
| Data Processing | Server | Client-side |
🎯 Example: Same Stock, Different Outcomes
Two Groww investors both made ₹30,000 on ₹1,00,000 in the same stock. Investor A held for 4 years (7% XIRR). Investor B traded in and out, achieving 15% XIRR. Same stock, different decisions, very different capital efficiency.
Step 1: Download Your Groww Trade History
- Open Groww website on desktop (not the app) at groww.in
- Go to Stocks → Orders → Order History
- Click the Download icon (top-right of order history)
- Select CSV format and the widest date range possible
📱 Why Desktop, Not App?
Groww's mobile app has limited CSV export functionality. The desktop website gives you full access to download your complete trade history in CSV format. If you only use the app, try accessing groww.in from your phone's browser in desktop mode.
📋 What's in a Groww Order History CSV?
Your exported file contains:
TrueXIRR uses Stock Name, Order Date, Buy/Sell, Quantity, and Price to calculate your per-stock XIRR.
Step 2: Analyze with TrueXIRR
- Visit TrueXIRR.com
- Select Groww as your broker
- Upload your trade history CSV
- See your true XIRR instantly — per stock and portfolio-wide!
Why This Matters for Groww Investors Specifically
Groww attracted millions of first-time investors during 2020-2021. Many started with small amounts during the COVID rally. If that's you, here's what you need to know:
COVID Rally Trap
Many stocks bought in 2020-21 at ATH have since corrected 30-50%. Your Groww P&L might show profit overall, but XIRR tells you the annualized reality.
SIP vs Lump Sum
If you invested via SIP-style (monthly buys), your XIRR will be different from absolute returns. XIRR accounts for each investment's timing.
Privacy & Security
TrueXIRR processes everything locally in your browser. Your Groww data never leaves your device. We don't need your Groww login credentials, API access, or Demat number — just the exported CSV file.
Frequently Asked Questions
How do I download my trade history from Groww?
On the Groww website (not app): Stocks → Orders → Order History → Download icon → CSV. Desktop is recommended as the mobile app has limited export.
Does Groww show XIRR for stocks?
No — Groww shows XIRR only for mutual fund investments. For stock XIRR, export your order history and use TrueXIRR.
Why is my Groww P&L different from XIRR?
Groww P&L is absolute profit/loss without considering time. ₹10K profit over 5 years (≈2% XIRR) is very different from ₹10K over 6 months (≈20% XIRR).
Can I calculate XIRR for Groww mutual funds?
Yes! Use TrueXIRR's SIP XIRR Calculator. Enter your monthly SIP amount, start date, and current value.
Is my Groww data safe on TrueXIRR?
100% safe. Everything runs in your browser. No data uploaded. We don't need your Groww login — just the CSV file.
See What Shaped Your Groww Returns
Upload your trade history. See which decisions helped or hurt. Free, private, instant.
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