Console shows absolute P&L but doesn’t give you a proper annualized XIRR that correctly accounts for corporate actions. I built a free tool to fix that.
What it does:
- Upload your Zerodha tradebook CSVs (download from Console → Reports → Tradebook)
- Optionally upload Tax P&L XLSX to include dividends as cash inflows
- Get your portfolio XIRR instantly — overall and per-symbol breakdown
- Automatically handles stock splits, bonus shares, rights issues, mergers/demergers (HDFC Bank merger, Tata Motors DVR, Vodafone Idea splits etc.)
- Validates your current holdings quantity against what the tradebook implies — flags mismatches
- Works for multiple Zerodha accounts simultaneously
No signup. No data stored. Files are processed locally and discarded.
Link: https://xirr.veloxlab.dev/
Would love feedback from the community — especially if you hit a corporate action that isn’t handled correctly. Happy to add it.
Feedback: I am getting unrealistic number also even after uploading docs p&l are not matching. Maybe need to fix it
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Thank you for your valuable feedback. Will review it.
Hi, thanks for the feedback — both issues are confirmed and addressed.
The unrealistic XIRR (e.g. 59,641,404%)
This is a bug in how per-symbol XIRR is displayed. XIRR is an annualised rate, so a stock bought and sold within just 1–2 days — even with a completely ordinary daily move — produces a mathematically valid but meaningless annual figure. For example, a 4% gain held for a single day annualises to roughly 165,000,000%. The engine was passing that number straight to the table.
After the fix, any symbol whose annualised XIRR exceeds 50,000% (which is still ~55× higher than the best realistic equity return of ~900% for a true 10-bagger in one year) is moved out of the table and into the Flagged Symbols panel with the message: “XIRR unreliable — extremely short holding period or dividend recorded before earliest buy.”
The P&L mismatch
Two possible causes:
- Cost basis method — This tool uses weighted-average cost (WAVG). Zerodha’s platform uses FIFO. For stocks with multiple partial buys the numbers will legitimately differ. This is by design.
- Incomplete tradebook upload — If you uploaded only recent tradebook files but originally bought the stock earlier, the earlier buy records are missing and the cost basis will be wrong. Fix: upload all tradebook years that cover your full holding period for each symbol.
Both fixes are live. If the P&L is still off after uploading all years, share the symbol and trade details and I’ll take a closer look.
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