Investments — recording & importing
Sahidha tracks each investment as its own card: what it cost you, what it's worth, and every rupee that moved in or out through your bank. This guide shows the manual entry path and the faster statement-import path.
The one rule that keeps it clean
One investment card per real-world holding, keyed the way the institution keys it:
| You hold | Create | The key field |
|---|---|---|
| A mutual fund folio (SIP or lump sum) | one card per scheme × folio | Folio number — two folios of the same scheme are two cards |
| Listed shares | one card per stock | ISIN / symbol |
| RBI Sovereign Gold Bond | one card per tranche/series (e.g. "SGB 2023-24 Ser IV") | the tranche's ISIN |
| NCD / other bond | one card per bond | ISIN |
| FD, PPF, NPS | one card per deposit/account | account number |
The folio/ISIN matters because statement imports auto-match on it.
Adding an investment
Investments → Add investment. Pick the Investor (each member's or HUF's holdings stay their own), a clear Investment name, the Type (Mutual Fund, Stocks, Bonds, Gold, FD, PPF, NPS, Real Estate), and fill the folio/account field with the real folio or ISIN. For SIPs, set the Monthly SIP amount — the recurring detector then knows to expect it.
For Invested amount enter what it has cost you so far; for Current value the latest value you know. Both refine automatically as you link entries and record valuations.
Recording money in and out
Money movements stay on your bank statement — you never retype them:
- SIP debit / purchase: import your bank statement as usual, then on the row choose type Investment and pick the card (the Categorize screen does this in bulk; recurring SIPs remember the link). This adds to the card's cost.
- Redemption credit: same — link the bank credit to the card.
- SGB / bond interest credit: record it as income (e.g. category FD/Interest Income). It's earnings, not a change in the bond's cost.
Tracking value and gains
On any investment card, + Record valuation books the holding's cost and market value as of a date (e.g. every 31-Mar, or whenever a statement tells you). Unrealised gain = market − cost. When you redeem, the cost "steps down" and the difference books as realised gain — the Reports → Capital gains tab shows both, per FY.
Importing statements (the fast path)
All imports start at Import statement in the left menu. Give the family member a broker/MF account of type "Investment (broker / MF holder)" to upload against. Three kinds of files are recognised automatically:
1. Broker holdings export (Zerodha)
Console/Kite holdings CSV or XLSX → Sahidha lists every position, auto-matches by ISIN/symbol, and lets you match / create / skip each one. Confirming records a dated cost & market valuation per holding — the same thing as pressing "+ Record valuation" on each card, done in one shot.
2. Mutual-fund CAS (CAMS/KFintech)
The consolidated account statement PDF (password-protected — Sahidha asks for the password and can remember it, encrypted). Every scheme in the CAS appears with units, cost and value; folio number is the auto-match key. Confirm to write valuations across all your folios at once.
3. Capital-gains statements (at tax time)
Upload the CAMS/KFintech Capital Gain statement or the Zerodha Tax P&L and Sahidha imports each redemption's short-term/long-term tax outcome exactly as the fund house / broker computed it — FIFO lots, grandfathering and all. Nothing is recomputed and no bank entries are created (those already exist). Results appear in Reports → Capital gains (tax): equity/debt × ST/LT, spread across the five advance-tax periods, matching the statement's own summary page.
Re-importing the same statement is always safe — rows de-duplicate.
If the family admin has recorded each member's PAN (Settings → Members → Add PAN), Sahidha verifies that an uploaded investment statement actually belongs to the member you're importing for — a "PAN verified ✓" chip on match, a clear warning if it looks like someone else's statement. It never blocks; Excel exports often carry no PAN and simply skip the check.
Sovereign Gold Bonds & other bonds, briefly
- Buy: bank debit linked to the tranche's card (type Bonds).
- Interest (2.5% p.a., half-yearly): bank credit as income — linked to the card if you want it on the card's history.
- Maturity/redemption: bank credit linked to the card; held-to-maturity SGB gains are tax-exempt — if you import a CG statement it will carry the right classification; recorded manually, note it as exempt.
If you don't see these screens
Statement imports for holdings and capital gains are newer capabilities — ask your family admin to enable Try beta features in Settings, or check with support that they're switched on for your family.