Quick Mutual Fund Portfolio Check: a free health check of your funds in two minutes
A quick, FREE portfolio check-up with complete privacy.
Want a fast, honest look at your mutual funds without wading through a long report? The Basic edition of the PortfolioCube Portfolio Health Check reads your CAS or a simple Excel file and tells you, in plain English, whether your portfolio is well put together: is your asset allocation right for your risk profile, are funds doing the same job twice, where is the risk concentrated, and what are your funds charging? It is completely free: no sign-up, no login, and nothing to install.
Need more depth? The Advanced edition reads the same files and adds period-wise XIRR and Alpha, wealth milestones, holdings on any date, CAMS / KFintech distribution and cashflow analysis. To see what your redemptions cost you, use the exclusive Redemption Analysis.
What you get in Basic, free
1. Portfolio Health Score (out of 100)
One number that sums up how well your portfolio is put together, with a clear band: Healthy, Needs a Tune-up, Needs Attention or Needs Full Review. It comes from eight checks: asset allocation versus your risk profile, time horizon, number of funds, several funds in one category, higher-risk share of equity, your largest fund, very small holdings and spread across fund houses.
2. Your profile and allocation
- Asset allocation (Equity, Hybrid, Debt, Gold & Silver) and sub-asset allocation, as interactive doughnut charts.
- Equity exposure against the range that suits your risk profile, monthly SIP total, number of funds, and money by goal.
- Corpus by Registrar: how much is serviced by CAMS and how much by KFintech, and where your funds are held (fund-house folios or demat).
3. Portfolio Dashboard and Journey (from a CAS)
- Dashboard: invested value, market value, gain or loss, % gain, your XIRR and the BSE Sensex CAGR over the same dates, and IDCW paid out.
- Portfolio Journey: one chart of your whole history from a detailed CAS (MF Central, CAMS or KFintech): market value against the BSE Sensex, with cost of units held, total put in and total value created a click away, plus your money put in, taken out and gained.
4. What the check found
Plain-English findings, each with a suggested question for your review: too many funds in one category, a large cap fund and an index fund held together, sector and thematic bets, higher-than-typical expense ratios, emergency money in equity, SIPs spread too thin, ELSS lock-in and funds not mapped to a goal.
5. Your funds and their expense ratios
A sortable table of every fund: cost, market value, gain or loss, each fund's own XIRR (detailed CAS), monthly SIP and TER, filled in automatically from AMFI data, with your portfolio's weighted TER and the Regular / Direct split.
6. Questions and a PDF report
A ready list of questions for your next review, and a clean PDF of the report (tick Include in PDF to choose sections), which you can also have emailed to you.
Every input, one page
- CAS PDF: MF Central summary or detailed CAS, the CAMS / KFintech Consolidated Account Statement, or the MF Utilities CAN-based Consolidated Transaction Statement (CoTS) (password-protected files supported). The CoTS gives your holdings and active SIPs for the whole portfolio, and from its orders a Portfolio Journey and XIRR for your investments made through MF Utilities, plus a Through MF Utilities summary. A CoTS lists only orders placed through MF Utilities, so add your CAMS / KFintech CAS as a second statement for your complete history; when both are added, the CAS is used as the source of truth.
- Two statements combined (yours, or you and your spouse), and your Value Research history to fill in old folios.
- Excel template or manual entry: up to 150 funds.
Privacy built in
Your files are read inside your browser. They are never uploaded to any server. Only fund data is used: your name, PAN, email and address are ignored and never stored. The password only opens the file.
Basic or Advanced: which should I use?
Both editions take the same files. Use Basic for a quick check-up: score, allocation, findings, costs and a simple journey. Use Advanced when you want to dig into returns by period, compare with the Sensex or Nifty 50, or see milestones and distribution. To find out what your redemptions cost you, use the Redemption Analysis.
How to use the tool
- Get your CAS from MF Central, CAMS or KFintech. When you request it, enter your PAN, so no folio is missed. A detailed CAS gives you the Dashboard XIRR and the Journey; a summary CAS gives today's holdings.
- Tell the tool about yourself: your age, when you will need the money, and your risk profile. If you don't know your risk profile, take the free Risk Profiling test first.
- Upload your CAS (enter the PDF password if asked), or upload the Excel template, or type your funds in. Pick a category for any highlighted row and map each fund to a goal.
- Press "Check my portfolio" and read your report. Use the buttons under the version line to jump to any section.
- Save or share: click the printer icon to download the PDF, or have it emailed to you.
The Portfolio Health Check is a free self-check tool and is not investment advice. Past returns do not guarantee future returns. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Nawneet Kumar Panjiyar is an AMFI-registered Mutual Fund Distributor (ARN-303470).
How the Portfolio Health Check works
The check reads the funds you list and runs eight simple tests. Each test is scored as healthy, worth a look or needs attention, and the results add up to a Health Score out of 100.
- Asset allocation vs your risk profile – is your equity exposure inside the range that usually suits your profile?
- Time horizon – is money you need soon sitting in volatile equity funds?
- Number of funds – more funds rarely means more diversification after a point.
- Several funds in one category – SEBI categories are clearly defined, so funds within the same category follow a similar mandate and often hold the same stocks; very small extra holdings (under 0.5%) rarely add anything.
- Higher-risk share – how much of your equity is in mid cap, small cap, sectoral and thematic funds.
- Single-fund concentration – whether one fund carries too much of the portfolio.
- Very small holdings – tiny positions that add paperwork without changing results.
- Fund-house concentration – how much sits with a single fund house.
One more point is flagged as a guideline but not scored: sectoral and thematic funds. They bet on one sector or theme, so results depend on when you enter and exit. Most retail investors are better off avoiding them; if held, keep them below about 5% of the portfolio.
Costs are shown in full but are not scored. A Regular plan's higher TER pays for the ongoing service of a distributor, so it is a choice rather than a fault.
What a personal portfolio review adds
Rules of thumb are a good first filter, but real decisions depend on details this page can't see. In a personal review with PortfolioCube we look at:
- your goals and when you need each part of the money, linked to the Goal Planning and Retirement Planning tools;
- the actual stocks inside your funds, to measure true overlap rather than category overlap;
- your real returns (XIRR) from your transaction history;
- tax and exit-load cost before anything is moved, including ELSS lock-ins;
- how often to review and what should trigger a rebalance.
A good rhythm is one full review a year, plus a check after any big market fall or life event such as a new job, a home purchase or a child's arrival.
How to download your Consolidated Account Statement (CAS)
Your CAS lists every mutual fund you hold across all fund houses, whichever app or distributor you used. It is free and arrives by email as a password-protected PDF.
- CAMS: on the CAMS website, open the investor statements section and choose the consolidated CAS covering CAMS and KFintech funds. Pick a detailed statement, enter your PAN and registered email, and set a password for the PDF.
- MFCentral: log in with your PAN and request the CAS from the reports section. The Consolidated Account Summary PDF can be uploaded straight into this page to fill in your funds.
- MF Utilities (CAN): if you invest through MF Utilities, its Consolidated Transaction Statement (CoTS) for your CAN can be downloaded from the MFU website or requested through the CAMS mailback service. It lists your holdings and active SIPs as on the statement date, and can be uploaded here.
- Demat CAS (NSDL or CDSL): if you hold a demat account, the monthly CAS emailed by NSDL or CDSL also shows mutual funds linked to your PAN.
Menu names change from time to time, but the statement is always free. Keep it handy for your review.
Terms and Definitions used in this Portfolio Health Check
Examples use the example portfolio on this page: 10 funds worth ₹41.5 lakh, age 30, a Growth (Moderate) risk profile and money needed in 3 to 5 years.
Expense Ratio (TER) – the Total Expense Ratio is the yearly fee a fund charges, as a percentage of your investment. It is deducted from the fund's value every day before the NAV is published, so you never see a separate bill. A fund's TER can change from month to month, so always check the latest factsheet. Example: 1.65%.
Weighted Average TER – the average TER of your portfolio, where bigger holdings count for more. Only funds with a TER entered are included. Example: 1.39% for the example portfolio.
Regular Plan – the version of a scheme bought through a mutual fund distributor. Its TER includes the distributor's commission.
Direct Plan – the version of the same scheme bought directly from the fund house or a direct-plan platform, with no distributor commission and so a lower TER. The portfolio is identical.
Asset Allocation – how your money splits across SEBI’s asset classes: Equity, Hybrid, Debt and Gold & Silver. Hybrid is its own asset class and is not added into Equity. Example: Equity 91.6%, Hybrid 7.2%, Debt 1.2%.
Sub-Asset Allocation – the same money split by fund category within each asset class, such as Large Cap, Flexi Cap or Liquid.
Equity Exposure – equity funds plus the equity part of your hybrid funds, counted at typical proportions for each hybrid category (for example, about 50% for a balanced advantage fund and 75% for an aggressive hybrid fund). This is the figure compared with your risk profile. Example: 95.2%.
Goal Mapping – the goal each fund is meant for, such as Retirement, a Child’s Education or an Emergency Fund. It shows how much money sits behind each goal and flags emergency money held in equity-oriented funds.
Suggested Equity Range – the equity share that usually suits each risk profile on this site: Conservative up to 20%, Balanced 20–40%, Growth 40–60%, Aggressive 60–80% and Very Aggressive above 80%. These are the same ranges used in the Risk Profiling questionnaire.
Fund Category – SEBI's classification of a scheme by what it may invest in, such as Large Cap, Flexi Cap or Short Duration. Two funds in the same category are required to follow a similar mandate.
Several Funds in One Category – holding two or more funds within the same diversified SEBI category. SEBI categories do not overlap, but funds inside one category follow a similar mandate and usually own many of the same stocks, so extra funds add tracking effort more than diversification.
Sectoral / Thematic Fund – a fund that invests in one sector (such as banking or pharma) or one theme (such as consumption or manufacturing). Returns depend heavily on entry and exit timing; as a guideline, keep them below about 5% of the portfolio, or avoid them.
Portfolio Overlap – the share of stocks two funds hold in common. This page checks overlap by category only; a personal review can measure true stock-level overlap from each fund's holdings.
Higher-Risk Share – the part of your equity held in mid cap, small cap, small & mid cap, sectoral and thematic funds. These can grow faster but fall harder and stay down longer.
Single-Fund Concentration – the largest share of your portfolio held in any one fund. Above about 40% the portfolio depends heavily on one fund manager's calls.
Fund-House Concentration – the share of your portfolio managed by one fund house (AMC). Spreading across a few fund houses reduces dependence on one investment team's style.
Monthly SIP – the amount invested at the start of every month. Example: ₹25,000.
Total put in – on the Portfolio Journey chart, all the money you have put into your funds up to each date. Formula: Total put in = value of the portfolio at the start of the period shown (only when the period starts after your first investment) + every purchase and SIP up to that date (stamp duty included). Switches and STPs between your own funds are left out, as they only move money inside the portfolio. Example: a ₹1,00,000 lump sum plus a ₹10,000 SIP for 12 months gives Total put in = 1,00,000 + 12 × 10,000 = ₹2,20,000.
Total value created – what the money you put in has become by each date, counting money you have already taken home. Formula: Total value created = market value on that date + all redemptions + all IDCW paid out to your bank, up to that date. The gap between Total value created and Total put in is your total gain. Example: with the ₹2,20,000 above, if you redeemed ₹50,000, received ₹5,000 of IDCW and the funds are worth ₹2,10,000 today, Total value created = 2,10,000 + 50,000 + 5,000 = ₹2,65,000, so your total gain = 2,65,000 − 2,20,000 = ₹45,000.
Consolidated Account Statement (CAS) – a free statement listing all your mutual fund holdings across fund houses, available from CAMS, KFintech, MFCentral and the depositories.
ELSS Lock-in – Equity Linked Savings Schemes lock every investment, including each SIP instalment, for three years. ELSS gives a Section 80C deduction only under the old tax regime.
Exit Load – a charge some funds apply if you redeem within a set period, commonly one year for equity funds. It is one of the costs checked before any switch.
XIRR – your true annual return, taking the date and size of every investment into account. It needs your transaction history, so this page calculates it when you upload a detailed CAS (or your Value Research history): for the whole portfolio and for each fund. (XIRR for each period from YTD to 10 years is in the Advanced edition.)
CAGR – the compound annual growth rate of an index such as the BSE Sensex between two dates. Comparing it with your XIRR over the same dates shows whether your portfolio beat the index.
Health Score PortfolioCube Framework – the total of the eight scored checks, out of 100: 80 and above is Healthy, 60–79 needs a tune-up, 40–59 needs attention and below 40 calls for a full review. If you choose "Not sure yet" for your risk profile, the asset-allocation check is skipped and the score is scaled to the remaining checks.
