Ekam vs Dezerv
Dezerv is a managed wealth + free tracker. Ekam is the household ledger — every account and asset class in one honest number, built from statements you already have. Here's how they actually differ — and where Dezerv is the better tool.
A broker-agnostic personal-wealth aggregator built on statements you already have — no broker login — folding equity, mutual funds, US stocks, EPF, FDs, bonds and cash into a single net worth, with advisor-grade analytics on top and nothing to sell you.
A managed-wealth provider (PMS-style, ₹50L+) for HNIs, with a free 'Wealth Monitor' that aggregates external MFs, stocks, NPS and FDs into one dashboard — as the top of a managed-money funnel.
Dezerv is for handing wealth to managers; Ekam is for investors who want to see and steward it themselves.
Where Ekam fits better
- Self-serve, no sales motion — Ekam isn't a funnel into managed products.
- Transparent, tunable analytics you run yourself (stress test, liquidity, real return).
- Holdings from a statement you already have, not an advisory onboarding.
- Self-hostable and ad-free, with no AUM minimum.
Where Dezerv is stronger
- Professional active management for HNIs who want it done for them.
- PMS gives direct demat ownership with a performance-linked fee option.
- Advisor relationship and curated strategy that software alone can't give.
Ekam vs Dezerv, line by line
| Capability | Ekam | Dezerv |
|---|---|---|
| Coverage & imports | ||
| Unified net worth | ● | ◐ |
| Equity & ETF auto-import | ● | ◐ |
| Mutual funds | ● | ● |
| US / foreign stocks | ◐ | ○ |
| EPF / PF / NPS | ◐ | ◐ |
| FDs, bonds & debt | ● | ◐ |
| Broker-agnostic | ◐ | ◐ |
| Multi-account / family | ● | ◐ |
| Analytics & insight | ||
| XIRR / true returns | ● | ◐ |
| Capital-gains / tax | ◐ | ◐ |
| Advisor-grade analytics | ● | ◐ |
| Per-holding status & alerts | ● | ◐ |
| Screeners & research | ○ | ○ |
| Options analytics | ○ | ○ |
| Posture & trust | ||
| Trade execution | ○ | ● |
| Independent (no ads / no product push) | ● | ○ |
| Privacy posture | ● | ◐ |
| Works without a live session | ● | ○ |
Two plans, no add-ons, and no trial — Individual is free forever, not a runway: one net worth across every Indian asset class for one person, with unlimited accounts, imports, holdings, XIRR, end-of-day prices, in-app alerts and the whole Indian tax year (realised gains, the estimate and harvesting room), plus 12 months of rolling history and 2 open goals. Family (₹3,999 a year + GST) covers six people under one roll-up with a per-member view, and folds in the Wealth Lab — stress test, liquidity ladder, tax drag, real return, fund-rating changes — plus foreign assets and accounts, the tax year per member, the Sunday email digest, and unlimited history and goals; people beyond six are ₹399 + GST each a year (introductory, ₹499 later) on the same invoice, up to 12. Prices exclude GST. Billing is not open yet: accounts opened before it starts keep a founding price of ₹2,499 + GST a year for as long as they stay subscribed. Schedule FA/Form 67, PDF reports, an estate register and a CA share link are described as on the way, not sold. A Wealth Advisor tier (₹9,999/yr reference price) for CAs, RIAs and family offices managing several clients' books is on the roadmap, not yet built or sold.
Wealth Monitor tracker is free. Managed PMS requires ₹50L+ (SEBI minimum) with a ~1%/yr fee or up-to-10% profit-share. Aggregation import method unverified.
Sources & methodology
Capabilities were compiled from Dezerv's own pages and reputable reviews (checked June 2026). Indian fintech features and pricing change frequently and are often promo-driven; treat figures as point-in-time. "Partial" marks a real but narrower capability or one we could not fully verify — hover any dotted mark above for the specific caveat.
See your real net worth in one place
Ad-free, and nothing to sell you. Bring Dezerv along — Ekam sits above it, not against it.
Start the ledger