### Groww XIRR Calculator

Get a quick estimate of your annualized returns — no trade history export needed

**Total Invested (₹)**  
**Current Value (₹)**  
**Investment Date**  
**Valuation Date**  
**Calculate My XIRR →**

Your Annualized Return (XIRR)  
Absolute Profit  
If FD @ 7%  
[Want stock-by-stock XIRR? Upload your Groww tradebook on TrueXIRR →](/content/site-root.html)

## Groww's P&L vs. Actual Returns: The Gap

Groww shows you a simple profit or loss number. But it doesn't show you **which decisions** contributed to that number.

Here's the catch: **Groww shows XIRR for mutual funds but NOT for stocks**. If you're an equity investor on Groww, you only see absolute P&L — which can be misleading.

- Did your partial sell in Stock A improve your XIRR or reduce compounding?  
- Did averaging down in Stock B improve your returns or just repeat a mistake?  
- Which holdings are worth the time and capital you're giving them?

## Groww App vs TrueXIRR: What You Get

| Feature              | Groww                     | TrueXIRR          |
|---------------------|--------------------------|--------------------|
| Stock P&L           | ✓ Absolute only           | ✓ \+ XIRR         |
| MF XIRR             | ✓                        | ✓ SIP Calculator    |
| Per-stock XIRR      | ✗                        | ✓                  |
| Decision Impact      | ✗                        | ✓                  |
| Behavioral Analysis  | ✗                        | ✓                  |
| CSV Export           | Desktop only              | Imports CSV        |
| Data Processing      | Server                   | Client-side        |

### 🎯 Example: Same Stock, Different Outcomes

Two Groww investors both made ₹30,000 on ₹1,00,000 in the same stock. Investor A held for 4 years (7% XIRR). Investor B traded in and out, achieving 15% XIRR. Same stock, different decisions, very different capital efficiency.

## Step 1: Download Your Groww Trade History

1. Open **Groww website** on desktop (not the app) at [groww.in](https://groww.in/)  
2. Go to **Stocks → Orders → Order History**  
3. Click the **Download** icon (top-right of order history)  
4. Select **CSV format** and the widest date range possible

### 📱 Why Desktop, Not App?

Groww's mobile app has **limited CSV export** functionality. The desktop website gives you full access to download your complete trade history in CSV format. If you only use the app, try accessing [groww.in](https://groww.in/) from your phone's browser in desktop mode.

### 📋 What's in a Groww Order History CSV?

Your exported file contains:

- Stock Name
- BSE/NSE Code
- Order Date
- Buy/Sell
- Quantity
- Price
- Status
- Order Type

TrueXIRR uses Stock Name, Order Date, Buy/Sell, Quantity, and Price to calculate your per-stock XIRR.

## Step 2: Analyze with TrueXIRR

1. Visit [TrueXIRR.com](/content/site-root.html)  
2. Select **Groww** as your broker  
3. Upload your trade history CSV  
4. See your true XIRR instantly — per stock and portfolio-wide!

## Why This Matters for Groww Investors Specifically

Groww attracted **millions of first-time investors** during 2020-2021. Many started with small amounts during the COVID rally. If that's you, here's what you need to know:

#### COVID Rally Trap

Many stocks bought in 2020-21 at ATH have since corrected 30-50%. Your Groww P&L might show profit overall, but XIRR tells you the annualized reality.

#### SIP vs Lump Sum

If you invested via SIP-style (monthly buys), your XIRR will be different from absolute returns. XIRR accounts for each investment's timing.

## Privacy & Security

TrueXIRR processes everything **locally in your browser**. Your Groww data never leaves your device. We don't need your Groww login credentials, API access, or Demat number — just the exported CSV file.

## Frequently Asked Questions

#### How do I download my trade history from Groww?

On the Groww website (not app): Stocks → Orders → Order History → Download icon → CSV. Desktop is recommended as the mobile app has limited export.

#### Does Groww show XIRR for stocks?

No — Groww shows XIRR only for mutual fund investments. For stock XIRR, export your order history and use TrueXIRR.

#### Why is my Groww P&L different from XIRR?

Groww P&L is absolute profit/loss without considering time. ₹10K profit over 5 years (≈2% XIRR) is very different from ₹10K over 6 months (≈20% XIRR).

#### Can I calculate XIRR for Groww mutual funds?

Yes! Use TrueXIRR's [SIP XIRR Calculator](/content/blog/sip-xirr-calculator.html). Enter your monthly SIP amount, start date, and current value.

#### Is my Groww data safe on TrueXIRR?

100% safe. Everything runs in your browser. No data uploaded. We don't need your Groww login — just the CSV file.

### See What Shaped Your Groww Returns

Upload your trade history. See which decisions helped or hurt. Free, private, instant.

[Analyze My Returns →](/content/site-root.html)