Hi Zerodha Product Team and Fellow Investors,
I am writing this out of sheer frustration with a massive, inexplicable blind spot in Console. Zerodha prides itself on being India’s most tech-savvy, investor-first broker. Yet, it completely fails long-term investors on one of the most basic requirements of modern wealth management: the ability to download an itemised, lot-wise Excel report of our unrealised holdings.
Right now, if you are a long-term investor trying to manage your taxes responsibly, Console forces you into a corner.
The Problem: A Beautiful Web UI, A Completely Useless Excel File
When you go to Console > Reports > P&L > Unrealised and click on a mutual fund or stock, the on-screen user interface is brilliant. It expands to show a pristine, lot-wise breakdown: the exact historical purchase dates, the number of units in each tranche, their specific aging, and a clear split between what qualifies as Long-Term Capital Gains (LTCG) and Short-Term Capital Gains (STCG).
The data is right there on our screens. Zerodha’s backend has already done the heavy lifting and computed the math.
But the moment you click “Download Excel”, the system strips away all of that intelligence. The downloaded spreadsheet reduces your entire investment history to a single, consolidated row with a blended purchase average. The lot-wise entry dates and individual tranche quantities completely vanish.
Why the Standard Support Workarounds Fail Retail Investors
Whenever an investor raises this issue, support tickets are closed with generic, copy-paste workarounds like “Please download your Tradebook to see purchase dates.”
Let’s be clear: The Tradebook workaround breaks completely the moment an investor makes a single partial redemption.
Because the Income Tax Department mandates the First-In, First-Out (FIFO) method for capital gains, a raw Tradebook only shows a chronological list of historical buys. Once you sell a few units, you cannot look at a Tradebook and know which specific purchase lots are still left inside your portfolio. An investor is forced to spend hours building manual, complex FIFO Excel models just to reverse-engineer what Zerodha is already displaying on the web page.
We shouldn’t have to manually calculate our own remaining units in 2026.
Why This Is a Critical, Non-Negotiable Need for 2026
With the Union Budget increasing the LTCG tax rate to 12.5% and adjusting exemption baselines, Tax-Gain Harvesting is no longer a niche trick; it is a fundamental, routine administrative task for every disciplined long-term retail investor in India.
To legally harvest up to the ₹1.25 Lakh tax-free limit every financial year, we need to know the exact volume of units that have crossed the 12-month mark.
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If we under-calculate, we leave tax-free wealth optimization on the table.
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If we over-calculate and sell a single unit that is 11 months old instead of 12, we trigger an unexpected Short-Term Capital Gains tax liability.
We need a downloadable lot-wise matrix so we can plan our transactions safely and cleanly in smaller tranches throughout the year.
How Competitors Handle This
Traditional back-office legacy systems used by older brokers (like IIFL), as well as newer direct mutual fund platforms, have provided this feature for years. Their offline spreadsheet generation tools natively export an itemised ledger showing the specific entry date, remaining quantity, and tax category for every unliquidated lot in a user’s account.
If legacy systems and competitor apps can provide a clean data export, there is absolutely no reason why an engineering-driven company like Zerodha should lack this capability.
My Appeal to the Product Team
Please do not reply with a generic “It is on our roadmap” or “We have noted your feedback.” This is a fundamental reporting gap that directly affects the tax-compliance workflow of your most loyal, long-term user base.
The data is already calculated and rendered on the frontend web view. The engineering team simply needs to map that existing array to the Excel export script.
Fellow investors, if you have ever struggled to map your actual long-term units or spent hours cross-referencing your Tradebook just to harvest your ₹1.25L limit, please upvote this post and leave a comment below. Let’s bring enough visibility to this so the product managers prioritize a permanent fix.
Thank you!