The Problem With "Just Check Your App"
Most investing apps show you your portfolio in a way that's designed to be visually satisfying, not analytically useful. You see green/red percentage changes, a pie chart, maybe a graph of "portfolio growth." What you usually can't see at a glance is your actual asset allocation, the cost basis across everything, or whether you're holding duplicate funds across platforms.
For a real review, you need your portfolio statement — a flat file that lists exactly what you hold, at what price you bought it, and what it's worth now.
Where to Get It (By Platform Type)
Mutual funds and ETFs: Log into your fund platform or broker, go to Reports or Statements, and download a Consolidated Account Statement or Holdings Report. Both PDF and CSV work. In India, you can also get a CAS (Consolidated Account Statement) directly from CAMS or KFin that covers all your mutual fund investments in one place, regardless of AMC.
Stocks (direct equity): Log into your brokerage account, go to Portfolio or Account Statements, and download the holdings summary. CSV is better than PDF if you want to run your own analysis. Zerodha's Console, Groww's P&L section, and ICICI Direct all offer this.
Crypto: Log into your exchange, find the Portfolio, Wallet, or Reports section, and download a holdings or balance report. If you hold crypto across multiple wallets, combine them — otherwise you'll have an incomplete picture of your total exposure.
Wealth management apps (Kuvera, Scripbox, INDmoney, etc.): Most of these have an Export button somewhere in the portfolio section. It'll give you a CSV with all your holdings across the platforms you've linked.
What the Statement Should Show You
A useful statement includes the asset name (fund name, ticker, or symbol), the number of units or shares you hold, the price you paid (cost basis), the current market value, your unrealised gain or loss, and what percentage of your total portfolio each holding represents.
The allocation percentage column is often the most revealing. People are frequently surprised to discover they have 70% in three funds that all hold the same large-cap stocks.
Once You Have It
Upload it to WealthLenseAI. The AI reads the file — PDF, CSV, Excel, or even a screenshot — and gives you a portfolio health score, full allocation breakdown, overlap analysis, and specific recommendations. Works for India, USA, UK, Singapore, Australia, and most other markets. No sign-up required.