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C.02 / Ekam vs Zerodha Coin

Ekam vs Zerodha Coin

Zerodha Coin is a direct mfs (zerodha). 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 Zerodha Coin is the better tool.

EkamThis is us
Multi-asset net-worth aggregator

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.

Zerodha Coin
Direct MFs (Zerodha)

Zerodha's zero-commission direct mutual-fund platform, holding MFs in demat alongside your stocks — but, like all Zerodha surfaces, limited to the Zerodha account.

The honest verdict

Coin is a great zero-commission place to buy direct funds; Ekam pulls those funds — and everything outside Zerodha — into one neutral picture.

Where Ekam fits better

  • Tracks external MF folios and every other asset, not just Zerodha-demat funds.
  • Combines funds with equity, US stocks, EPF, FDs and cash into one net worth.
  • Advisor-grade analytics and decision cues on top of holdings.
  • No broker login, offline-resilient and self-hostable.

Where Zerodha Coin is stronger

  • Genuinely zero-commission direct mutual funds.
  • MFs consolidated in demat with stocks, with clean XIRR.
  • Seamless SIP/SWP and tax reporting via Console.
Capability matrix

Ekam vs Zerodha Coin, line by line

Capability
Ekam
Zerodha Coin
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●○
●Yes◐Partial— hover the dotted marks for the caveat○No–N/A
Ekam pricing
Individual free forever; Family ₹3,999/yr + GST

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.

Zerodha Coin pricing
Free — zero commission, direct plans

No account, subscription or brokerage fees; direct plans only. Tracks only Zerodha-held MFs.

Sources & methodology

Capabilities were compiled from Zerodha Coin'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.

Compare Ekam with others

See your real net worth in one place

Ad-free, and nothing to sell you. Bring Zerodha Coin along — Ekam sits above it, not against it.

Start the ledger

Comparisons are compiled from each platform's own pages and reputable reviews (checked June 2026); fintech features and pricing change often, so treat figures as point-in-time. Ekam is an independent portfolio viewer built on statements you import yourself — not affiliated with any platform named here. Not investment advice.