# Upstox 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 Upstox tradebook on TrueXIRR →](/content/site-root.html)

## What Upstox Pro Dashboard Misses

Upstox Pro gives you a clean dashboard with current holdings and P&L. But **P&L alone is** **misleading** — it doesn't account for the _timing_ of your investments.

Upstox (formerly RKSV Securities) was among the first discount brokers in India. If you've been investing since the RKSV days, your portfolio likely spans 5+ years of trades. XIRR reveals how efficiently your capital worked across all that time.

## Upstox vs TrueXIRR

| Feature                    | Upstox Pro     | TrueXIRR       |
|----------------------------|-----------------|-----------------|
| Portfolio P&L              | ✓               | ✓               |
| Per-stock XIRR            | ✗               | ✓               |
| Decision Impact            | ✗               | ✓               |
| Historical RKSV Trades     | ✓ (same account) | ✓ (via CSV)    |
| Nifty Benchmark            | ✗               | ✓               |
| Data Privacy               | Server          | Client-side     |

## Upstox Brokerage: The 2.5% Cap Advantage

Upstox charges **₹20 per order or 2.5% of trade value** (whichever is lower). This means:

### Small Orders (₹500)

Pay only ₹12.50 (2.5% cap) instead of ₹20. Better for SIP-style micro-investing.

### Large Orders (₹50,000+)

Pay flat ₹20. Same as Zerodha and Angel One. Negligible XIRR impact on larger portfolios.

## Step 1: Download Your Upstox Tradebook

1. Log in to [Upstox Pro](https://upstox.com/) web platform  
2. Go to **Portfolio → Reports → Tradebook**  
3. Select maximum date range available  
4. Click **Download CSV**

### 📱 Upstox Pro Web vs App

The Upstox Pro mobile app may have limited CSV export. Use the **web platform** for full tradebook download access.

## Step 2: Analyze with TrueXIRR

1. Visit [TrueXIRR.com](/content/site-root.html)  
2. Select **Upstox** as your broker  
3. Upload your tradebook CSV  
4. See per-stock XIRR, decision impact, and Nifty comparison!

## Privacy & Security

TrueXIRR processes everything **locally in your browser**. No Upstox login, API key, or Demat credentials needed — just the CSV file.

## Frequently Asked Questions

### How do I download my Upstox tradebook?

Upstox Pro web: Portfolio → Reports → Tradebook → Select dates → Download CSV. Use the web version for full access.

### Does Upstox show XIRR?

No. Upstox shows current portfolio value and P&L, but not XIRR. Export your tradebook and use TrueXIRR.

### What about my old RKSV trades?

Upstox rebranded from RKSV. Your old trades are in the same account. Download the full tradebook to include them in your XIRR.

### How does the 2.5% brokerage cap help?

For small orders under ₹800, you pay 2.5% instead of flat ₹20. This helps SIP-style micro-investors keep brokerage costs low.

### Is my data safe?

100% safe. Everything runs in your browser. No data uploaded. No login credentials needed.

### See What Shaped Your Upstox Returns

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

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