Portfolio X-Ray
You've been investing for years. But do you know what you actually own? We look inside every fund and stock you hold — uncovering overlap, hidden costs, concentration risk, and gaps your statements never show you.
The average Indian investor holds 8–12 mutual funds and believes they are well diversified. In most cases, 60–70% of the underlying stocks are identical across those funds. You are paying multiple expense ratios for the same exposure — and your "diversification" is largely an illusion.
Illustrative example — 4 equity funds held by a single investor. Colour shows actual stock overlap.
Overlap and duplication
How many of your funds own the same stocks? Are you paying for diversification you do not actually have?
Cost drag
Total expense ratios, exit loads, distributor commissions — how much is silently leaving your portfolio every year?
Concentration risk
Are you too heavy in one sector, one stock, or one asset class? What happens if that one thing falls 40%?
Goal alignment gaps
Is your portfolio actually structured for your goals and timeline — or is it a collection of unconnected decisions?
- ✔ A complete stock-level overlap analysis across all your mutual funds
- ✔ Total cost audit — expense ratios, exit loads, commissions — with direct-plan savings quantified in rupees
- ✔ Sector and asset class concentration analysis
- ✔ A "keep / replace / exit" verdict for each fund or holding, with reasoning
- ✔ A proposed clean portfolio structure aligned to your goals and risk profile
- ✔ A written report with a 60-minute walkthrough call
Your CAS (Consolidated Account Statement) can be downloaded free from CDSL or NSDL in under 2 minutes — it is the single document that makes this analysis possible.
- ● You have been investing for 5+ years but have never done a structured review
- ● You suspect you are over-diversified but do not know how to simplify
- ● You are in regular (commission) mutual fund plans and want to know the true cost
- ● You have recently come into a lump sum and want to invest it into a clean, structured portfolio
- ● You want a fresh, objective view before your annual portfolio review