Track everything you own, in one place
The gap
Most apps help you buy. Very few help you plan.
Broker apps earn when you trade, so they show you "top funds" and "trending stocks". The things that actually build wealth — a plan, the right mix and discipline — are left to you.
They push products
Buy buttons everywhere, but no answer to "Is this right for my goal?"
They ignore your mix
A pie chart of what you bought — not a check against what you should hold.
They see one account
Your EPF, PPF, FDs, gold and your parents' funds live somewhere else.
Asset allocation
The decision that matters most — and most apps skip it
How you split your money between equity, debt and cash decides most of your returns and your risk — much more than which fund you pick. eVesh puts this split at the centre.
Liquid — money you can use within days: savings account, liquid funds.
Income — steady and safer: debt funds, FDs, PPF, EPF, bonds.
Growth — for the long run: equity funds, stocks, NPS equity.
Plan vs actual
Whole familyBlack line = your plan. Bar = what you actually hold.
Rebalance suggestion
Estimated tax on this switch: ₹0 — gains stay within your ₹1.25 lakh limit.
Drift & rebalancing
Get a nudge the moment your mix goes off track
When markets rise or fall, your 60:30:10 quietly becomes 68:24:8. That's called drift. You set a limit, say ±5%, and eVesh alerts you once you cross it.
It then tells you exactly which fund to trim, where to add, and how much — while keeping your tax as low as possible. You stay disciplined without checking the market every day.
Goal planning
Every fund gets a job
A goal without money linked to it is just a wish. In eVesh, you tag each fund to a goal — your bike, a Europe trip, your child's education, a house. You always know which money is for what, and exactly how many rupees are still missing.
New bike
Aarav · Short term
₹1.1 L / ₹1.8 L
Gap ₹70K
Linked: Liquid Fund, Arbitrage Fund
Riya's college
Family · Medium term
₹9.3 L / ₹15 L
Gap ₹5.7 L
Linked: Balanced Advantage, Corporate Bond Fund
Retirement
Aarav & Neha · Long term
₹31 L / ₹4.2 Cr
Gap ₹3.9 Cr
Linked: Nifty 50 Index, Flexi Cap, EPF, NPS
Your retirement number at 60
₹4.2 Cr
Based on ₹60,000 monthly expenses today and 6% inflation
Already counted
EPF + NPS + PPF
On track
74%
To close the gap, increase your SIP by
₹6,500 a month
Retirement planning
Know your retirement number — while you're still young
Starting at 25 instead of 35 can make your monthly SIP less than half. eVesh works out how much you'll need, adjusts it for inflation, counts what your EPF, NPS and PPF will already give you, and shows the monthly amount that closes the gap.
As retirement gets closer, it reminds you to slowly shift money from Growth to Income, so a market fall right before you retire doesn't hurt you.
Smart alerts
Save tax and cut losses — without watching the market all day
Tax gain harvesting
Long-term equity gains up to ₹1.25 lakh a year are tax-free. eVesh reminds you before 31 March to sell and buy back, so you use this limit every year instead of wasting it.
“Book ₹1.1 L gains in Flexi Cap before 31 March — tax saved: ₹13,750.”
Tax loss harvesting
Holding a fund or stock that's in loss? Selling it can cancel out gains you've already booked, so you pay less tax this year.
“Selling Small Cap X books a ₹38K loss and cuts your tax by ₹7,600.”
Stop-loss alerts
Set a limit for any stock or fund. If it falls below, eVesh alerts you so you can decide calmly — before a small loss becomes a big one.
“Tata Motors is 12% below your buy price. Your limit was 10%.”
Rebalance triggers
Pick a drift limit — ±5% or ±10%. eVesh only speaks up when it actually matters, not every time the market moves.
“Growth crossed +5%. Here's a 3-step switch plan.”
Fund-to-goal mapping
Tag every fund to a goal. Selling something? eVesh warns you if it's money meant for your child's school fees.
“This fund is linked to Riya's college. Still sell?”
Ask the AI in plain words
Get answers from your family's real holdings and tax details — not generic tips from the internet.
“Am I on track to buy a house by 2030?”
How eVesh compares
What each kind of tool can actually do for your family.
| Broker app | CAMS / NSDL | Excel sheet | eVesh | |
|---|---|---|---|---|
| Tracks all assets for the whole family | Only what you bought on that app | Mutual funds or demat only | If someone updates it | MFs, stocks, EPF, PPF, NPS, FDs, gold — all members |
| Asset allocation vs your plan | A pie chart of what you bought | No | You do the maths | Actual vs plan, fund by fund |
| Drift alerts and rebalance plan | No | No | No | Alerts at your limit, with exact switch amounts |
| Goals with linked funds and rupee gap | Just a target amount | No | You keep it updated | Short, medium, long — progress and gap |
| Retirement planning with inflation | A basic calculator | No | If you build it | Your number, counting EPF, NPS and PPF |
| Tax gain and loss harvesting | Rarely | No | No | Reminders before 31 March, with tax saved |
| Stop-loss alerts | Only as a trade order | No | No | Alerts on stocks and funds |
| Pushes you to buy or trade | Yes | No | No | Never — it doesn't earn from your trades |
Get started in four steps
- 1
Add your family
Add yourself and each member whose money you want to track.
- 2
Bring in your investments
Connect INDmoney, upload a CAMS / NSDL statement, and add EPF, PPF, FDs or gold.
- 3
Set your plan
Choose your Liquid, Income and Growth split and a drift limit.
- 4
Add goals, get alerts
Link funds to goals and let eVesh tell you when to act.
Your money deserves a plan. Build it today.
eVesh is not a broker — it never buys or sells anything for you. It tracks, plans and reminds, so every decision stays yours.
eVesh is a tracking and planning tool, not investment advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Tax figures shown are illustrative and based on current rules for listed equity (12.5% on long-term gains above ₹1.25 lakh a year). Please check with a tax professional before acting.