### HDFC Sky XIRR Calculator

Quick estimate of your annualized returns — no tradebook download 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 HDFC Sky tradebook on TrueXIRR →](/content/site-root.html)

## What HDFC Sky Dashboard Doesn't Tell You

HDFC Sky (from HDFC Securities) gives you a clean trading platform with portfolio tracking. But **P&L doesn't tell the full story**.

With HDFC's **3-in-1 account** (savings + demat + trading), moving money is instant. But that convenience can lead to impulsive entries. Question is: did those quick buys help or hurt your annualized returns?

## HDFC Sky vs TrueXIRR

| Feature            | HDFC Sky | TrueXIRR |
|--------------------|----------|----------|
| Portfolio P&L      | ✓        | ✓        |
| Per-stock XIRR     | ✗        | ✓        |
| 3-in-1 Account     | ✓        | N/A      |
| Decision Impact     | ✗        | ✓        |
| Nifty Benchmark     | ✗        | ✓        |
| Data Privacy       | Server   | Client-side |

## The 3-in-1 Account Advantage (& Risk)

#### ✓ Advantage

Instant fund transfer means no waiting. You can act on opportunities immediately. No bounced orders due to insufficient margin.

#### ⚠ Risk

Easy access leads to impulsive buys. XIRR analysis shows whether those "opportunities" actually improved your returns or were reactive decisions.

## Step 1: Download Your HDFC Sky Tradebook

1. Log in to [HDFC Sky](https://hdfcsky.com/) web or app  
2. Go to **Portfolio / Reports**  
3. Select **Trade History** or **Tradebook**  
4. Choose the widest date range available  
5. Download as **CSV**

### ⚠️ Migrated from HDFC Securities?

If you had an older HDFC Securities account before the Sky platform launched, your historical trades should be accessible in the same account. Download the full tradebook to include all historical data.

## Step 2: Analyze with TrueXIRR

1. Visit [TrueXIRR.com](/content/site-root.html)  
2. Select **Generic / Other CSV** (or HDFC Sky if listed)  
3. Upload your tradebook CSV  
4. See per-stock XIRR with decision impact analysis!

## Privacy & Security

TrueXIRR processes everything **locally in your browser**. We never access your HDFC bank account, savings, or 3-in-1 credentials. Only the exported CSV is used — and it never leaves your device.

## Frequently Asked Questions

#### How do I download my HDFC Sky tradebook?

HDFC Sky web/app: Portfolio → Reports → Tradebook → Select dates → Download CSV.

#### Does HDFC Sky show XIRR?

No. HDFC Sky shows portfolio value and P&L but not XIRR. Export your tradebook and use TrueXIRR.

#### What about my old HDFC Securities trades?

If you migrated from HDFC Securities to Sky, your old trades should be in the same account. Download the full tradebook with maximum date range.

#### Does the 3-in-1 account affect XIRR?

Not directly, but the ease of instant fund transfer can lead to more impulsive trades. TrueXIRR shows whether those quick entries actually helped or hurt returns.

#### Is my data safe?

100% safe. Everything runs in your browser. No banking credentials needed. No data uploaded. Just the CSV file.

### See What Shaped Your HDFC Sky Returns

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

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