How-to SIP tracking SIP history

How to track SIP history (mutual fund)

From WebNotes, a public knowledge base. Last updated 19 May 2026. Reading time ~4 min.

Key facts

Monthly platform view	Real-time dashboard via Coin, Groww, Kuvera, MF Central, AMC portal
Official Statement of Account	Issued by AMC monthly via email; on-demand from RTA
CAS (Consolidated Account Statement)	Monthly email from NSDL or CAMS
XIRR computation	Platform dashboard typically shows; or via spreadsheet

Tracking SIP history lets you verify that installments debited correctly, units allotted at the right NAV, and the overall return matches expectations. Multiple sources of truth exist: platform dashboard, AMC’s Statement of Account, and the monthly Consolidated Account Statement.

Conflict-of-interest disclosure. This guide is published by WebNotes Editorial Team for informational purposes. WebNotes has no commercial relationship with any AMC or platform. No affiliate commission is earned.

Step-by-step procedure

See the procedure infobox above.

Three sources of truth

Source	Pro	Con	Frequency
Platform dashboard	Real-time, intuitive	Limited to that platform’s view	Live
AMC SoA	Official, AMC-issued	One AMC at a time	Monthly + on-demand
CAS	All AMCs in one document	Monthly only; minor lag	Monthly

For comprehensive tracking, use CAS as the master record and platform dashboard for day-to-day monitoring.

What to verify

Item	What to check
Number of installments	All debits accounted for; none missed
NAV applied	Same-day NAV if order before 3 PM; T+1 otherwise
Units allotted	Amount / NAV = units (4 decimals typical)
Folio number	All installments under same folio
TER drag	Reflected in NAV (no separate line)

XIRR vs CAGR vs absolute return

Metric	Use case	Formula
XIRR	Irregular cash flows (SIPs)	Spreadsheet XIRR(amounts, dates)
CAGR	Single-point investment	(Final/Initial)^(1/years) - 1
Absolute return	Quick %	(Final - Initial) / Initial

For SIP investments, XIRR is the right metric. CAGR overstates returns; absolute return ignores time.

Spreadsheet XIRR setup

In Excel / Google Sheets:

Column A: Dates of each SIP debit + today’s date.
Column B: Amounts (negative for debits, positive for current value).
Formula: =XIRR(B:B, A:A).
Result: annualised XIRR (e.g., 12.5%).

Reconciliation against bank statement

Each SIP debit appearing on the AMC’s SoA should match a bank statement debit. Discrepancies:

Bank debit but no AMC credit: Raise with AMC.
AMC credit but no bank debit: Rare; verify both sides.
Different dates: NAV cut-off rule may explain (debit on T but NAV applied at T+1).

External references

References

SEBI (Mutual Funds) Regulations, 1996.
SEBI Master Circular for Mutual Funds - Consolidated Account Statement provisions.
AMFI Best Practice Guidelines on investor statements.

Reviewed and published by

WebNotes Editorial Team

The WebNotes Editorial Team covers Indian capital markets, payments infrastructure and retail investor procedures. Every article is fact-checked against primary sources, principally SEBI circulars and master directions, NPCI specifications and the official support documentation published by the intermediary in question. Drafts go through a second-pair-of-eyes review and a separate compliance read before publication, and revisions are tracked against the SEBI and NPCI rule changes referenced in the methodology section.

Last reviewed: 19 May 2026
Conflicts of interest: WebNotes is independent. No relationship with any broker, registrar or bank named in this article.