Mutual Fund Portfolio Health Check PortfolioCube Framework

Free Mutual Fund Portfolio Health Check: your whole portfolio, its history and its returns, in one free report

India’s most comprehensive FREE Portfolio Health Check with complete privacy.

This is the Advanced edition, the full analysis. For a shorter report from the same CAS or Excel file, use the Basic edition.

Most investors know what their mutual funds are worth today. Far fewer know how the portfolio got there, whether it beat the market, or whether it still fits their goals. The PortfolioCube Portfolio Health Check answers all three in a couple of minutes, completely free: no sign-up, no login, and nothing to install.

Upload your CAS (Consolidated Account Statement) and the tool builds a full report. It covers a Health Score, a historical journey of your portfolio, period-wise returns against the Sensex or Nifty 50, asset allocation, fund-by-fund costs and a list of questions to take into your next review.

What makes it unique

• Redemption Analysis PortfolioCube Framework, now a tool of its own: if your statement shows redemptions, the report ends with a card that opens it with your statement already loaded. See what your portfolio would be worth today if you had never redeemed, with its own journey chart, 12 wealth milestones up to ₹10 Cr, XIRR and Alpha by period and a scheme-by-scheme audit table.
• Complete privacy: your CAS PDF, password and Excel files are read and processed inside your browser. Nothing is uploaded or stored, and personal details such as name, PAN, email and address are ignored.
• Every CAS, one view: MF Central (summary or detailed), CAMS and KFintech statements and the MF Utilities CAN-based statement (CoTS), with two statements combined (yours, or you and your spouse), plus your Value Research history to fill in old folios.
• Six Portfolio Milestones PortfolioCube Framework: flags on your journey chart at ₹5 L, 15 L, 25 L, 50 L, 75 L and ₹1 Cr, with the date reached, time taken, money invested, gain and the gap between milestones.
• Period-wise XIRR from YTD to All years, side by side with BSE Sensex or NSE Nifty 50 CAGR and your Alpha for each period.
• Health Score out of 100 PortfolioCube Framework with plain-English findings and questions for your review.
• SIP Distribution by four views: your monthly SIPs split by CAMS and KFintech, By Asset, By Sub-Asset, By AMC or By Schemes.
• Holdings on any date, CAMS / KFintech distribution (Top 10 by AMC or scheme), and an Excel round trip for goal mapping.

What you get, 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. The score comes from checks that matter in practice:

• asset allocation versus your risk profile;
• the number of funds;
• several funds doing the same job (duplicate categories);
• the share of higher-risk equity (mid, small, sectoral);
• your largest single fund;
• very small holdings;
• spread across fund houses;
• whether your time horizon fits the portfolio.

2. Historical Portfolio Journey graph

See your portfolio's whole history on one chart, not just today's value:

• Market Value: what your portfolio was worth on each date.
• Cost of units held: what the units you held on each date cost you.
• Total put in and Total value created: every rupee you invested, against what it became, counting money you have already taken out.
• BSE Sensex or NSE Nifty 50, your choice, on its own axis for a side-by-side comparison.
• Money in / money out bars: when you invested and when you withdrew.
• Period buttons: 1, 2, 3, 5, 7 and 10 years, or your whole history.
• Six Portfolio Milestones PortfolioCube Framework: a green flag on the Market Value line the first time it reaches ₹5 L, 15 L, 25 L, 50 L, 75 L and ₹1 Cr, and a Milestone journey row of tiles giving each date, the time taken, money invested and gained at that point, and the gap from the previous milestone.
• Holdings on any date: click a point on the chart to see every fund you held that day, with units, NAV, value, cost, gain and share.

3. Period-wise XIRR, index CAGR and Alpha

Your portfolio's real, annualised return (XIRR) for YTD, 1 year, 2 years, 3 years, 5 years, 7 years, 10 years and All years, side by side:

• Portfolio XIRR for each period, plus the absolute gain (Abs).
• BSE Sensex CAGR (or NSE Nifty 50 CAGR, if you pick it) over exactly the same dates.
• Alpha: how many percentage points your portfolio beat (or trailed) the index in each period.

YTD is measured from the previous year's 31 December close, the same convention the exchanges and AMFI use.

4. Portfolio Dashboard

At a glance: invested value, market value, gain or loss, % gain, portfolio XIRR since your first investment, and the Sensex CAGR over the same dates. It also shows "Your money" tiles: money put in, money taken out, value now and total gain.

5. Your profile, allocation and spread

• Asset allocation (Equity, Hybrid, Debt, Gold & Silver) and sub-asset allocation, as interactive doughnut charts.
• Equity exposure, monthly SIP total, number of funds, IDCW (dividend) paid out, and money by goal.
• Corpus by Registrar: how much is serviced by CAMS and how much by KFintech.
• Your Portfolio Distribution: side-by-side CAMS and KFintech doughnuts showing your Top 10 by AMC or Top 10 by Schemes within each registrar, with % share and ₹ value.
• Your SIP Distribution: the same side-by-side CAMS and KFintech view for your monthly SIPs, with four buttons, By Asset, By Sub-Asset, By AMC and By Schemes, each a doughnut with % share and ₹ a month. If you have no SIP, the card says so.
• Where your funds are held: fund-house folios and demat.

6. What the check found

Plain-English findings, each with a suggested question for your review. Examples:

• too many funds in one category;
• a large cap fund and a Nifty 50 / Sensex index fund held together;
• sector and thematic bets;
• higher-than-typical expense ratios;
• emergency money sitting in equity;
• SIPs spread too thin;
• ELSS lock-in;
• funds not mapped to any goal.

7. Cashflow Analysis

Every rupee that went into your funds and came back out, year by year since your first transaction: money invested (purchases, SIPs, NFOs), redemptions, dividends (IDCW) received, the net cashflow, the cumulative net amount invested, the market value at the end of each year and your Total Gain (market value minus cumulative net invested: profit already taken out plus the gain on what you still hold). Click any year for its month-wise breakdown. Switches between your own funds are shown for reference.

8. Your funds and their expense ratios

A sortable table of every fund: cost, market value, IDCW paid, gain or loss, each fund's own XIRR, monthly SIP and TER. TERs are filled in automatically from AMFI data, and the table shows your portfolio's weighted TER. Use the All / CAMS / KFintech buttons to see the table and the Regular / Direct / weighted TER tiles for all your funds or only the funds serviced by one registrar.

9. Redemption Analysis, one click away PortfolioCube Framework

If your statement shows redemptions (one-shot or SWP; switches and STPs are not counted), the report ends with a short card: how much you redeemed, from how many schemes and between which dates. Its button opens the separate Redemption Analysis tool with your statement already loaded in the same browser tab, so you need not upload it again. There you see what those units would be worth today had they stayed invested: the no-redemption journey against BSE Sensex or NSE Nifty 50, 12 milestones up to ₹10 Cr, XIRR and Alpha by period, allocation, distribution and a scheme-by-scheme audit.

10. Questions to take into your review

A ready list of questions for your next conversation with your distributor or adviser.

11. PDF report, your way

• Download a clean, multi-page PDF of the full report.
• Tick Include in PDF on the sections you want, to get a shorter version.
• Every page has linked buttons that jump straight to any section.
• You can also have the PDF emailed to you.

12. Flexible ways to bring in your funds

• CAS PDF: the 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 are supported. The CoTS gives your holdings and active SIPs for the whole portfolio, and from its orders a Portfolio Journey, XIRR by period, milestones and Redemption Analysis for your investments made through MF Utilities, plus a Through MF Utilities summary (money invested by SIP, lump sum and NFO, redemptions and switches). A CoTS lists only orders placed through MF Utilities, so add your CAMS / KFintech CAS as a second statement for your complete history.
• Two statements: add a second CAS to see one combined view. This works for two statements of your own (holdings in both are counted once) or for a family view, such as you and your spouse, shown as Investor 1 and Investor 2.
• Value Research history (.xls): fills in old folios missing from your CAS, or works on its own.
• Excel template or manual entry: up to 150 funds.
• Download my funds: after a CAS upload, download your filled-in fund table in the Excel template, map each fund to a goal in Excel, and upload it back. Only the goal mapping (and anything you change) is updated; your CAS values and Journey stay.

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.

How to use the tool

1. Get your CAS. Download a detailed CAS PDF from CAMS or KFintech (it covers funds from both) or from MF Central.
   • Tip: when you request it, enter your PAN. A statement asked for by email alone lists only the folios registered with that email, so older folios can be missing.
   • The detailed CAS gives you the full Journey and period-wise XIRR. A summary CAS gives today's holdings only.
2. Open this page (portfoliocube.in/portfolio-health-check.html).
3. 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 on the site first.
4. Upload your CAS: click Upload CAS (PDF) and enter the PDF password if asked. The fund table fills itself: names, categories, fund houses, plans and values.
   • Optional: click Add a second CAS to combine two statements.
   • Optional: click Add Value Research history to bring in old folios.
   • No CAS? Download the Excel template, fill it in and upload it, or type your funds in by hand.
5. Check the table. Pick a category for any row the tool could not match (it is highlighted). Then map each fund to a goal, either right in the table or in Excel:
   • click Download my funds (.xlsx), pick a goal for each fund in the Goal mapping drop-down, save;
   • click Upload filled template. Your goals are added to the table and the CAS data stays.
6. Press "Check my portfolio". Your report appears below. Use the buttons under the version line to jump to any section.
7. Explore the Journey:
   • switch periods with the year buttons;
   • click a legend name to show or hide that line;
   • click any date on the chart to see your holdings that day;
   • switch Compare with between BSE Sensex and NSE Nifty 50;
   • compare your YTD to All-years XIRR with the index and read your Alpha;
   • if you have redeemed, open the Redemption Analysis from the card at the end of the report to see what the money you took out would be worth today had you stayed invested.
8. Save or share: tick Include in PDF on the sections you want (or leave all unticked for the full report), then 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.

1. Asset allocation vs your risk profile – is your equity exposure inside the range that usually suits your profile?
2. Time horizon – is money you need soon sitting in volatile equity funds?
3. Number of funds – more funds rarely means more diversification after a point.
4. 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.
5. Higher-risk share – how much of your equity is in mid cap, small cap, sectoral and thematic funds.
6. Single-fund concentration – whether one fund carries too much of the portfolio.
7. Very small holdings – tiny positions that add paperwork without changing results.
8. 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.

1. 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.
2. 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.
3. 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.
4. 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.

SIP Distribution – how your monthly SIPs are spread, shown separately for funds serviced by CAMS and by KFintech: by asset class (Equity, Hybrid, Debt, Gold & Silver), by fund category, by fund house (AMC) or by scheme. Example: SIPs of ₹4,800 a month in CAMS funds and ₹7,700 in KFintech funds make a total of ₹12,500; if ₹3,600 of the CAMS SIPs go to equity funds, Equity is 75% of the CAMS SIPs.

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.

Portfolio Milestones PortfolioCube Framework – six wealth marks on your Portfolio Journey: ₹5 L, ₹15 L, ₹25 L, ₹50 L, ₹75 L and ₹1 Cr. A green flag marks the first date your Market Value reached each one in the period shown, and the Milestone journey tiles show that date, the time taken from the start of the period, Invested (Total put in) and Gained (Total value created minus Total put in) on that date, and the gap from the previous milestone. Example: a portfolio that reached ₹25 L in 12 yrs 2 mths and ₹50 L 4 yrs 5 mths later shows how compounding shortens the time between later milestones.

Redemption Analysis PortfolioCube Framework – a “what if you had never sold” view of your portfolio. Every redemption (one-shot or SWP) is taken out of your statement, so those units stay invested to the statement date and are valued at AMFI NAVs; switches, STPs and IDCW payouts stay as they happened. Formula: Value if Not Redeemed = value now + units redeemed × NAV on the statement date; Gain from Staying Invested = Value if Not Redeemed − value now − amount received. Example: you redeemed 1,000 units at a NAV of ₹50 and received ₹50,000; the NAV today is ₹80, so those units would be worth ₹80,000 and the gain from staying invested is ₹30,000 (before exit load and tax). It has its own page: Redemption Analysis.

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, for each fund, and for each period from YTD to All years.

CAGR – the compound annual growth rate of an index such as the BSE Sensex or NSE Nifty 50 between two dates. Comparing it with your XIRR over the same dates shows whether your portfolio beat the index.

Alpha – on this page, your portfolio’s XIRR minus the index CAGR over the same period, in percentage points. Above zero means the portfolio did better than the index. It is a simple difference, not risk-adjusted.

YTD (Year to Date) – the period from the previous year’s 31 December close to your statement date.

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.