How do I download my Zerodha tradebook for XIRR calculation?

Log in to Zerodha Console (console.zerodha.com), go to Reports → Tradebook, select your date range (preferably All Time), and click Download in CSV format. This CSV contains all buy/sell trades with dates needed for accurate XIRR calculation.

Why is my XIRR different from Zerodha Console P&L?

Zerodha Console shows absolute P&L (total profit/loss). XIRR is your annualized return that accounts for the timing of each trade. If you invested ₹1L and made ₹20K profit, Console shows +20%. But XIRR tells you the annualized rate — if that took 3 years, your XIRR is about 6.3%, not 20%.

What is a good XIRR for stock investments in India?

A good XIRR depends on your benchmark. Nifty 50 has historically returned 12-14% CAGR. If your stock portfolio XIRR is consistently above 15%, you're outperforming the market. Below 7% means you might be better off in Fixed Deposits.

Zerodha XIRR Calculator - See Which Decisions Shaped Your Returns

Q: Does Zerodha Console show XIRR?

No, Zerodha Console does not show XIRR. It shows absolute P&L and today's portfolio value. For XIRR calculation, you need to export your tradebook and use a tool like TrueXIRR or Excel's =XIRR() function.

Q: Is it safe to upload my Zerodha tradebook to TrueXIRR?

Yes, TrueXIRR is a client-side application. Your tradebook data is processed entirely in your browser and never leaves your device. We don't store, upload, or have access to any of your financial data.

Why Zerodha Console Doesn't Show the Full Picture

Your Zerodha Console shows you what you made (the P&L number). But it doesn't show you which decisions contributed to that number.

Did your partial exit in Stock A help or hurt your compounding? Did averaging down in Stock B actually improve your returns, or just your comfort? Zerodha's dashboard can't answer these questions because it's built for accounting, not decision analysis.

TrueXIRR calculates XIRR (Extended Internal Rate of Return), which measures your annualized return while accounting for timing. But more importantly, it breaks down your returns by decision: each buy, each sell, each re-entry.

💡 Decision-Aware XIRR

Regular XIRR gives you a number. Decision-Aware XIRR shows you why that number is what it is. It connects your returns to your behavior: where you added capital, where you exited, and whether timing helped or hurt.

Zerodha Console vs TrueXIRR: Feature Comparison

Feature	Zerodha Console	TrueXIRR
Absolute P&L	✓	✓
Per-stock XIRR	✗	✓
Decision Impact Analysis	✗	✓
Nifty 50 Benchmark	✗	✓
Behavioral Patterns	✗	✓
Tax P&L Statement	✓	✗
Data Privacy	Server	Client-side only

Step 1: Download Your Zerodha Tradebook

Log in to Zerodha Console
Go to Reports → Tradebook
Select the date range (we recommend "All time" or at least 1 year)
Click Download and choose CSV format

⚠️ Important: Tradebook vs P&L Report

Download the Tradebook, not the Tax P&L report. The Tradebook contains individual trades with exact dates and quantities, which is required for accurate XIRR. The Tax P&L only has summarized data per financial year.

📋 What's in a Zerodha Tradebook CSV?

Your downloaded file will contain these columns:

Symbol Trade Date Trade Type Quantity Price Exchange Segment Order ID

TrueXIRR uses Symbol, Trade Date, Trade Type, Quantity, and Price to calculate per-stock XIRR.

Step 2: Upload to TrueXIRR

Go to TrueXIRR.com
Select Zerodha as your broker
Upload the CSV file you just downloaded
Your XIRR will be calculated instantly — per stock and portfolio-wide!

What You'll Actually Learn

TrueXIRR shows you which decisions are working and which aren't:

Decision Impact per Stock — See if your partial exits helped or hurt your compounding
Timing Analysis — Find out if averaging down improved your XIRR or just felt good
Capital Efficiency Heatmap — Identify which holdings are worth the time you're giving them
Behavioral Patterns — Spot if you're cutting winners early and holding losers too long
Nifty 50 Benchmark — Know if you're beating the index or just feeling good

Real Example: A Zerodha Portfolio Analyzed

Here's what a typical Zerodha user discovered after uploading their tradebook:

Console showed

+₹45,000 P&L

Looks great!

Actual XIRR

8.2%

Over 3 years of trading

Nifty 50 same period

14.1%

Underperformed by 5.9%

The ₹45K profit looked good, but an index fund would have earned ₹78K in the same period with zero effort.

Is My Data Safe?

Absolutely. TrueXIRR is a client-side application. Your tradebook data is processed entirely in your browser and never leaves your device. We don't store, upload, or have access to your financial data. Unlike some tools that require API access to your Zerodha account, TrueXIRR works with just the CSV file — no Kite Connect API, no login credentials.

Frequently Asked Questions

How do I download my Zerodha tradebook?

Log in to Console (console.zerodha.com) → Reports → Tradebook → Select date range → Download CSV. Make sure to download the Tradebook, not the Tax P&L.

Why is my XIRR different from Console P&L?

Console shows absolute profit. XIRR is your annualized return accounting for timing. ₹20K profit on ₹1L over 3 years = 6.3% XIRR, not 20%.

Does Zerodha Console show XIRR?

No. Zerodha Console shows P&L and portfolio value but does not calculate XIRR. You need to export your tradebook and use TrueXIRR or Excel's =XIRR() function.

What about Zerodha Coin (Mutual Funds)?

TrueXIRR currently supports Zerodha equity tradebook. For Coin (MF) XIRR, use our SIP XIRR calculator with your monthly SIP amount and current value.

Is it safe to upload my tradebook?

100% safe. TrueXIRR processes everything in your browser. No data is sent to any server. Unlike tools that need Kite API access, we only read your CSV file locally.

See What Shaped Your Zerodha Returns

Upload your tradebook. See which decisions helped or hurt. Free, private, instant.

Analyze My Returns →