9:41
Good morning,
Vadivel Chinnasamy
Total portfolio value
₹3,42,180
+₹14,320 today (+4.4%)
18.6%
XIRR
+₹52,180
Total gain
₹9,500
Monthly SIP
72
Health Score
5
Active Funds
3
Alerts
4
Goals
Asset allocation
₹3.4L Total
Equity funds62%
Debt / Liquid20%
ELSS (80C)12%
US Index6%
Top holdings
Parag Parikh Flexi Cap
SIP ₹3,000 · Multi Cap
₹1,06,400
+22.4%
Mirae Asset ELSS Fund
SIP ₹2,000 · Tax Saving
₹84,200
+19.1%
SBI Nifty 50 Index
SIP ₹2,000 · Index
₹78,050
+14.8%
HDFC Liquid Fund
Emergency · Liquid
₹52,000
+6.8%
Motilal S&P 500 Fund
SIP ₹500 · US Index
₹21,530
+11.2%
Quick actions
Analyse
Add Fund
Compare
Rebalance
Goals
Portfolio Analysis
72 /100
Portfolio Health
Good
Well diversified. Minor overlap in large-cap exposure detected.
Score breakdown
Diversification
85
Risk-Return ratio
78
Cost efficiency
70
Goal alignment
65
Overlap score
58
Risk profile
Your risk score Moderate-Aggressive
6.4 / 10
ConservativeModerateAggressive
Your 62% equity allocation is appropriate for age 25–35. Consider adding 5–10% more to debt instruments to protect against market downturns.
Fund overlap detected
⚠ 34% overlap between 2 funds
Parag Parikh Flexi Cap and SBI Nifty 50 both hold HDFC Bank, Infosys, and Reliance in their top 10. This reduces true diversification. Consider replacing SBI Nifty 50 with a Midcap fund.
AI insights
Your XIRR of 18.6% beats Nifty 50 by 4.2%
Excellent performance. Your fund selection is outperforming the benchmark consistently over 3 years.
Emergency fund is 68% complete
₹81,600 saved of ₹1,20,000 target. 6 more months of current SIP completes it.
Tax saving gap: ₹56,000 remaining
₹94,000 invested in ELSS. You need ₹56,000 more to max out 80C by March. Increase ELSS SIP by ₹3,000/month.
Add Investment
Mutual Fund
Direct Stock
US Stock
Gold ETF
PPF / FD
Fund Name
Units / NAV
Invested ₹
SIP Amount
Start Date
Category
Recently added
Motilal S&P 500 Fund
Added 3 days ago · US Index
New
HDFC Liquid Fund
Added 2 weeks ago · Emergency
Active
Compare & Benchmark
1Y
3Y
5Y
All time
Your portfolio vs benchmarks
Your Portfolio
+18.6%
XIRR · 3 years
Nifty 50
+14.4%
3Y CAGR
Nifty Midcap 150
+22.1%
3Y CAGR
S&P 500 (INR)
+16.8%
3Y CAGR
Gold
+12.3%
3Y CAGR
Fund vs fund comparison
Parag Parikh
+22.4%
3Y XIRR
Mirae ELSS
+19.1%
3Y XIRR
SBI Nifty 50
+14.8%
3Y XIRR
HDFC Liquid
+6.8%
3Y XIRR
SIP growth projection
Projected at 12% CAGR · ₹9,500/month SIP
Y1
Y2
Y3
Y4
Y5
Y7
Y10
Y15
₹67L
10 Years
₹1.9Cr
15 Years
₹4.8Cr
20 Years
Rebalance Portfolio
Current vs Target Allocation
Equity 62% → target 65%
Debt / Liquid 20% → target 15%
ELSS (80C) 12% → target 14%
US Index 6% → target 6%
Action items
Increase ELSS SIP by ₹2,000/month
You are ₹56,000 short of maxing 80C. Deadline: March 31. Increase Mirae ELSS SIP immediately.
→ Adjust SIP now
Fund overlap: SBI Nifty 50 vs Parag Parikh
34% portfolio overlap reduces diversification. Consider switching SBI Nifty SIP to a midcap fund.
→ View overlap report
Emergency fund: 2 months to target
₹81,600 of ₹1,20,000 goal reached. At current SIP of ₹1,500/month, target reached by August.
→ Track progress
Add a mid-cap fund to improve diversification
0% mid-cap exposure. Nifty Midcap 150 returned 22.1% vs your 18.6%. A ₹1,000 SIP addition improves health score by 8 points.
→ Add mid-cap fund
Financial Goals
Emergency Fund
Target: ₹1,20,000 · Dec 2025
68%
₹81,600 saved₹38,400 remaining
Child Education
Target: ₹5,00,000 · Jun 2030
18%
₹90,000 saved₹4,10,000 remaining
Home Down Payment
Target: ₹10,00,000 · Mar 2028
9%
₹90,000 saved₹9,10,000 remaining
Retirement Corpus
Target: ₹1.2 Crore · 2045
4%
₹48,000 saved₹1.15 Cr remaining