Mutual fund holdings on Kite
The Mutual fund holdings view on Kite is a read-only summary of the mutual fund schemes you have subscribed to via Zerodha Coin . It exists as a convenience surface for users who spend most of their time in Kite; the canonical MF dashboard with transaction history and SIP management lives on Coin.
Why Kite has a MF view at all
Mutual funds are not tradable on Kite the way equities and ETFs are. NSE / BSE do not list MF units; subscriptions and redemptions happen via the AMC (or AMC’s appointed RTA, CAMS / KFinTech). Coin is Zerodha’s MF transaction platform. However, many users want a portfolio-wide view of all their investments (equity + ETFs + MFs + bonds) in one place. The Kite MF view provides this.
What the Kite MF view shows
| Column | What it shows |
|---|---|
| Scheme | The MF scheme name (e.g., “PPFAS Flexicap Fund Direct Plan Growth”) |
| Folio | The AMC folio number assigned to the user |
| Units | Total units held |
| NAV | Latest known NAV (from end of previous day, since MFs are not real-time priced) |
| Invested | Total amount invested (sum of all subscription amounts) |
| Current | Current value (units x NAV) |
| Returns (abs) | Current - Invested |
| Returns (%) | (Current / Invested - 1) x 100 |
| XIRR | Money-weighted return |
The XIRR (Extended Internal Rate of Return) is the most meaningful return metric for SIP investors because it accounts for the timing of each contribution.
What is editable from Kite
Almost nothing. The Kite MF view is a portfolio summary. To buy, sell, start a SIP, modify a SIP, or redeem, click through to Coin. The Kite MF view typically has a “Manage on Coin” link that opens the Coin app or web in a new tab.
Difference from the Coin dashboard
| Surface | Best for |
|---|---|
| Kite MF view | Quick read of current value across all MF schemes |
| Coin dashboard | Detailed scheme view, transaction history, SIP management, redemption requests |
| Console MF view | Tax computation, historical CAS export, capital gains reports |
How often the NAV updates
MF NAV is published once per business day, typically by 22:00 IST for equity funds (after the day’s market close + valuation). The NAV shown on the Kite MF view is the last published NAV (i.e., end of T-1 for current-session viewing).
Between NAV publishes, the Current value column does not change. This is different from equity / ETF holdings, where LTP updates live.
XIRR calculation
XIRR is computed across all the user’s transactions on the scheme:
- Subscription transactions are negative cash flows (money out).
- Redemption transactions are positive cash flows (money in).
- Current NAV value is treated as a positive cash flow on today’s date.
The result is the implied annualised return that makes the present value of all flows zero. For a SIP-only portfolio, XIRR reflects the average return earned across the SIP duration.
Direct vs regular plans
The Kite MF view shows whichever plan the user actually subscribed to. Coin offers direct plans only (the direct vs regular plan distinction is significant for long-term returns). If the user has legacy regular-plan holdings (acquired outside Coin), those would not appear in the Kite MF view because Coin manages only direct subscriptions.
Folio and KYC
Each MF scheme creates a folio identifier with the AMC’s RTA. The folio is the unique ID for the user’s investment in that scheme. A single user typically has dozens of folios across schemes; the Kite MF view consolidates them.
Mutual fund KYC is independent of the demat / trading account KYC; the AMC validates KYC via CAMS or KFinTech.
Common confusions
- Why don’t I see my old SBI MF holdings here? If they were purchased outside Coin (direct from AMC, or via a distributor), Coin won’t show them. You can consolidate via CAMS or KFinTech and import only via tedious workflows.
- The Current value differs from Coin. Both surfaces should show the same NAV. Briefly different if Kite hasn’t refreshed the NAV after publish.
- The Current value differs from AMC’s website. AMC website may show pre-distribution NAV (before the post-distribution adjustment for dividend / bonus units); always trust the AMFI feed or Coin.
See also
- Kite Holdings tab explained
- Kite Positions tab explained
- Holdings value differs Console vs Kite
- P symbol on holdings page
- Day’s P&L on holdings calculation
- Realised vs unrealised profit calculation
- How to fix ESOP shares not on Kite
- How to fix smallcase Kite holdings mismatch with filters
- How to use the marketwatch on Kite
- Mutual fund
- Mutual funds in India
- Direct vs regular plan
- SIP
- Mutual fund KYC
- Consolidated Account Statement (CAS)
- NAV
- XIRR
- CAMS
- KFin Technologies
- Zerodha Coin
- Kite (Zerodha)
- Kite web
- Kite mobile app
- Zerodha
- Zerodha Console
- AMFI India
- Capital gains tax (India)
- Briefcase symbol on Kite
External references
References
- Zerodha Support, Mutual fund holdings on Kite, support.zerodha.com.
- Zerodha Coin, Direct mutual funds via Coin, coin.zerodha.com.
- SEBI (Mutual Funds) Regulations, 1996.
- AMFI India, Best practice guidelines on disclosure, amfiindia.com.