📊Live P&L— Real-time portfolio tracking
🤖AI Insights— Claude-powered analysis
🌱Tax Harvesting— Save tax intelligently
💰1,730+ Funds— Mutual fund discovery
📈Markets— Live indices & stocks
📄Annual Reports— AI-powered RAG analysis
🏥Health Score— Portfolio risk analysis
⚖️Rebalancing— AI-driven suggestions
📊Live P&L— Real-time portfolio tracking
🤖AI Insights— Claude-powered analysis
🌱Tax Harvesting— Save tax intelligently
💰1,730+ Funds— Mutual fund discovery
📈Markets— Live indices & stocks
📄Annual Reports— AI-powered RAG analysis
🏥Health Score— Portfolio risk analysis
⚖️Rebalancing— AI-driven suggestions
AI-Powered · Built for Indian Investors

Invest smarter
with AI intelligence

Connect your Zerodha portfolio and get real-time AI insights, live tax tracking, annual report analysis, and macro intelligence — all in one clean dashboard.

Start for free →See features
2,263
NSE reports indexed
₹10
Per day
Real-time Kite prices
sarasnidhi.in/dashboard
Portfolio value
₹4,82,340
+₹12,480 today (+2.6%)
84
Health score
30-day portfolio trend
NIFTY 50
22,147
+0.84%
Holdings
8 stocks
3 sectors
Active SIPs
3 funds
₹15k/mo
🤖
AI Insight: Your IT exposure is 42% — consider rebalancing into defensive sectors before Q4 earnings.

Integrated with

Zerodha Kite
CAMS
KFintech
Setu AA
DigiLocker
Razorpay
Claude AI
Gemini Flash
Neo4j Graph
Quicko ITR
Supabase Auth
Startup India · DIPP125574
Zerodha Kite
CAMS
KFintech
Setu AA
DigiLocker
Razorpay
Claude AI
Gemini Flash
Neo4j Graph
Quicko ITR
Supabase Auth
Startup India · DIPP125574
⚡ Features

Everything you need to
invest with confidence

Built for Indian retail investors who want institutional-grade tools without the complexity.

📊
Live Portfolio Tracking
Real-time prices via Zerodha Kite WebSocket. See your P&L update live every 500ms during market hours.
🤖
AI Chat Advisor
Ask anything about your portfolio. Claude AI analyses your actual holdings and gives personalised, actionable advice.
🎯
Goal Planner
Set a goal — house, education, retirement. AI calculates your SIP plan with fund recommendations.
🏥
Portfolio Health Score
Get a 0–100 score based on diversification, concentration risk, sector exposure and benchmark performance.
📈
MF Analytics
Alpha, Beta, Sharpe ratio, Sortino — institutional-grade metrics for every mutual fund you research.
🌍
Macro Intelligence
Oil, USD/INR, US yields, VIX — AI generates sector outlooks and portfolio impact from macro signals.
⚠️
Risk Alerts
AI detects concentration risk, sector overexposure, and volatility spikes before they hurt your portfolio.
📰
News Sentiment
Bullish, bearish, or neutral — AI reads the latest news for every stock in your watchlist and portfolio.
🧾
Tax P&L Report
Auto-calculates STCG/LTCG from your Kite trade history. Download PDF for your CA.
🧠 AI Intelligence

One question. Three AI layers.
One precise answer.

See exactly how Sarasnidhi reasons about your most important financial questions.

Ask anything about your portfolio in plain language

Claude AI fetches your real holdings, tax position, and market data — then gives you a specific, actionable answer. Not generic tips. Your portfolio. Your risk.

  • ✓Reads your live Zerodha holdings via OAuth
  • ✓Crosses your tax position before any suggestion
  • ✓Searches 2,263 annual reports for company context
  • ✓Answers in under 3 seconds with sources shown
How does RBI rate hike affect my portfolio?
✓ Fetched 12 holdings · HDFCBANK 23% · INFY 14%
✓ Searched HDFCBANK FY24 annual report · NIM sensitivity detected
Your HDFCBANK holding faces NIM pressure. Consider rotating ₹40,000 to INFY. STCG impact: ₹2,340. Wait 2 months for LTCG treatment. ⚠️ AI analysis, not SEBI advice.
-3.2%Rate Risk
+₹4,200Tax Saved
72/100Health Score

Know your exact tax liability — before July

Live FIFO STCG/LTCG updates every time you trade. Tax loss harvesting alerts tell you exactly which stocks to sell to save money this financial year.

  • ✓Real-time STCG / LTCG across all holdings
  • ✓Tax loss harvesting — specific sell suggestions
  • ✓Advance tax alerts before due dates
  • ✓PDF tax report export for CA / ITR filing
STCG This Year₹48,200
LTCG This Year₹12,400 (exempt)
Tax Payable Estimate₹7,230
💡 Harvest OpportunitySave ₹4,200
Sell WIPRO at a loss of ₹4,200 before March 31 to bring your STCG below ₹1L exemption. Net tax saving: ₹630.

2,263 NSE annual reports — already read and indexed

Ask any question about any NSE company's annual report. MD&A, red flags, ESG, financials — Gemini AI has read them all. You just ask.

  • ✓2,263 NSE companies indexed with pgvector
  • ✓Admin-verified before going live
  • ✓Bull / bear thesis generated per company
  • ✓ESG, governance, risk sections extracted
What are the key risks in Reliance FY25 annual report?
✓ Searching Reliance Industries FY25 · 847 pages · pgvector match: 94%
Key risks: (1) Jio tariff war — ARPU pressure H2. (2) Retail capex ₹50,000 Cr committed FY26. (3) O2C margin compression from crude volatility. Bull thesis: New Energy is 3–5 year optionality.
Pages analysed847
Confidence score94%

News mapped to YOUR specific stocks

Neo4j maps 2,264 NSE stocks to RBI policy, inflation, oil prices, and 10 macro factors. When macro news breaks, Sarasnidhi tells you exactly which of your holdings are affected.

  • ✓2,264 stocks × 10 macro factors mapped
  • ✓NIFTY 50/100/200 index membership tracked
  • ✓Sector & competitor relationships
  • ✓5,557 SENSITIVE_TO relationships indexed
RBI Repo Rate↑ +25bps
Your portfolio has 3 rate-sensitive holdings: HDFCBANK (23%), ICICIBANK (12%), BAJFINANCE (8%). Combined exposure: 43% of portfolio.
HDFCBANKHigh sensitivity
ICICIBANKMedium sensitivity
INFYNot rate-sensitive
🧠 AI Intelligence

Claude AI, trained
on your portfolio

Every AI feature reads your actual holdings, transaction history, and watchlist before generating insights.

💬
Portfolio-aware chat
Ask 'should I sell WIPRO?' and get an answer based on your actual cost price, holding period, and tax implications.
🔮
Scenario analysis
AI finds past market periods similar to today's macro and shows what happened to portfolios like yours.
📋
Daily digest
Every morning, AI summarises overnight global events, their sector impact, and specific actions for your portfolio.
🤖
Sarasnidhi AI
● Online
Should I buy more RELIANCE?
🤖
You hold RELIANCE at ₹2,680 avg — up 6.2%. At ₹2,847, it trades at 24x PE vs 5Y avg of 21x. Consider averaging only if it dips below ₹2,750.
What's my biggest risk?
🤖
⚠️ IT overweight at 42%. If US tech spending slows, TCS + WIPRO could correct 15–20%. Add defensive position in FMCG or Pharma.
🧮 Calculators

Plan your finances with smart tools

Free calculators for every money decision — SIP, FIRE, EMI, tax and more. No login needed.

View all 21 calculators →
SIP Calculator
Calculate how much your monthly SIP grows over time with compounding returns.
Monthly SIP Amount ₹5,000
Expected Return (p.a.) 12%
Investment Duration 10 yrs
Estimated Maturity Value
₹11.61 L
after 10 years at 12% p.a.
Total Invested
₹6.00 L
Est. Returns
₹5.61 L
Wealth Gain
93.5%
Monthly SIP
₹5,000
Start investing on Sarasnidhi →View all 20 calculators →
FIRE Number Calculator
How much corpus do you need to retire early and live off investments forever?
Monthly Expenses ₹50,000
Inflation Rate 6%
Portfolio Return (p.a.) 10%
Required Retirement Corpus
₹1.50 Cr
at 4% real return
Annual Expenses
₹6.00 L
Real Return
4%
Rule of 25
₹1.50 Cr
Safe Withdrawal
4% p.a.
Track your FIRE journey →View all 20 calculators →
Home Loan EMI Calculator
Calculate your monthly EMI, total interest and full repayment breakdown.
Loan Amount ₹50.00 L
Interest Rate (p.a.) 8.5%
Loan Tenure 20 yrs
Monthly EMI
₹43,391
for ₹50L at 8.5% over 20 years
Total Payment
₹1.04 Cr
Total Interest
₹54.14 L
Principal
₹50.00 L
Interest Ratio
52%
Track net worth on Sarasnidhi →View all 20 calculators →
Income Tax Calculator
Compare Old vs New tax regime for FY 2025-26 and find which saves you more.
Annual Income ₹12.00 L
80C Deductions ₹1.50 L
HRA Exemption ₹1.00 L
Recommended Regime
New Regime
saves more for your income profile
Old Regime Tax
₹0
New Regime Tax
₹0
Tax Saving
₹0
Effective Rate
0%
Track capital gains on Sarasnidhi →View all 20 calculators →
💳 Pricing

Simple, transparent pricing

No hidden commissions. No order flow selling. Pay only for what you use.

Daily
₹10
per day
  • Portfolio tracking
  • AI Chat advisor
  • Health Score
  • Risk Alerts
  • News Sentiment
Get daily
Weekly
₹59
per week · save ₹11
  • Everything in Daily
  • 7 days access
  • Daily AI digest
  • Portfolio Advisor
Get weekly
MOST POPULAR
Monthly
₹199
per month · save ₹101
  • Everything in Weekly
  • MF Analytics suite
  • Goal Planner + AI
  • 30 days access
Get monthly
Yearly
₹1,499
per year · save ₹889
  • All features unlocked
  • Market Outlook AI
  • Macro Intelligence
  • 365 days access
Get yearly
💬 Testimonials

Loved by investors

★★★★★
"The AI chat is insane — I asked it to analyze my IT-heavy portfolio and it gave me a full rebalancing plan with specific stocks. Nothing else does this."
R
Rahul Sharma
Software Engineer, Bangalore
★★★★★
"The MF analytics with Alpha, Beta, and Sharpe ratios helped me understand which funds actually beat the index. Switched 3 of them after seeing the numbers."
P
Priya Nair
Chartered Accountant, Mumbai
★★★★★
"Health score of 62 made me realize I had zero debt allocation. Used Goal Planner to set up a ₹20L corpus plan for my daughter's education. Simple and effective."
A
Anand Krishnan
Business Owner, Chennai
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🛡️
Supabase JWT Auth
🔒
TOTP 2FA
✅
PAN Never Stored
🔑
TLS Encrypted
⚖️
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intelligence

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