What mutual fund apps do well
They show one person’s mutual funds in detail, and many read a CAS statement. If that is all you need, they serve you well.
Compare
Kosh or a mutual fund app
A mutual fund app shows what one person holds today. Kosh tracks what the family has, what it owes and what is due next, on each Member’s iPhone.
Net worth
₹61 L
Funds and savings ₹85 L, home loan ₹24 L
Asha₹40 LRavi₹21 L
Savings last11 months
Largest fund32%
Mutual funds₹62 L · 73%
PPF and NPS₹14 L · 16%
ULIP₹9 L · 11%
Side by side
| Question | Kosh | Mutual fund apps |
|---|---|---|
| Whose money | The whole Household, split by Member | Usually one person’s holdings |
| Fund holdings | From a CAMS or KFintech CAS statement | Often from a CAS statement or a broker link |
| Loans and insurance | EMIs, premiums and cover tracked with the plan | Often not covered, or kept in a separate screen |
| Due dates | Notification on each Member’s iPhone on the due date | Not their focus |
| Two phones | Each Member signs in on their own iPhone, one shared plan | Usually one sign-in per person, not shared |
| Goals | A target by a date, with a projection | Some offer Goals for one person |
| Hard rules | Warns before a change breaks a limit, such as ₹1,25,000 LTCG | Usually not; some show tax reports |
| Fund detail | Holdings and amounts only | Charts, NAV history and fund detail, often richer |
| Fund picks | Never names a fund or product to pick | Some show fund ratings or lists |
What Kosh adds
Kosh puts both partners’ holdings, the home loan, PPF and insurance into one family net worth by Member and Category, then tracks the payments and Goals around them.
Family net worth
₹61 L
Asha ₹40 L, Ravi ₹21 L
Holdings are half the plan
An EMI, a premium or a PPF deposit has a due date. Kosh sends a notification on the day and lets either of you mark it done.
Questions
Kosh vs mutual fund apps: questions
Can I use Kosh with a tracker app?
Yes. Some families keep a tracker app for fund detail and use Kosh for the family plan, the due dates and the Hard rules.
Does Kosh read my CAS statement?
Yes. Import a CAMS or KFintech CAS PDF. Kosh reads it on the server without AI, keeps the numbers, and deletes the file and its password at once.
Does Kosh connect to my broker?
No. Kosh never asks for bank or broker logins and cannot move money.
Will Kosh tell me which fund to pick?
No. Kosh tracks, notifies and warns on rules you set. It never names a fund, policy or product.