Free Portfolio Tool

MF Portfolio Analyser

Add your mutual fund holdings, get real-time NAV data, CAGR returns, and category allocation breakdown.

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Search across 14,000+ AMFI-registered schemes

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What is the Mutual Fund Portfolio Analyser?

The MF Portfolio Analyser is a free online tool that lets you add your mutual fund holdings and instantly see real-time NAV data, 1/3/5-year CAGR returns, and a category allocation breakdown. It pulls live data directly from AMFI (Association of Mutual Funds in India) — the same official source your AMC and fund house uses to publish daily NAVs.

Unlike portfolio trackers that require login, linking your demat account, or importing a CAS statement — this analyser works instantly. Just search for your funds, enter the amount invested, and get a complete portfolio health check in seconds. It covers all AMFI-registered schemes: equity, debt, hybrid, ELSS, index funds, and sectoral/thematic funds.

Use it to check if your portfolio is over-concentrated in one category (e.g., large cap), spot consistently underperforming funds, and verify whether your asset allocation matches your risk profile. A well-diversified portfolio typically has exposure across large cap, mid cap, flexi cap, and debt categories.

How to Use This MF Portfolio Analyser

  1. 1

    Search for your mutual fund

    Type any part of the fund name — e.g. "Axis Bluechip", "Parag Parikh", "HDFC Mid Cap". The search auto-filters across 14,000+ AMFI-registered schemes and prioritises Direct Growth plans.

  2. 2

    Enter the amount you invested

    Enter the total amount (in ₹) you have invested in that fund — including all SIP instalments and lumpsum top-ups combined.

  3. 3

    Add more funds to build your portfolio

    Repeat for each fund you hold. You can add up to 20 funds. If you add the same fund twice, the invested amounts are automatically merged.

  4. 4

    Click "Analyse Portfolio" and review your results

    You'll see total invested vs current value, overall gain/loss, a category allocation doughnut chart, and fund-wise CAGR returns for 1, 3, and 5 years — all based on real historical NAV data.

Understanding Your Portfolio Analysis

CAGR Returns (1Y / 3Y / 5Y)

CAGR (Compound Annual Growth Rate) shows the annualised return of each fund. A fund with 15% CAGR over 5 years has grown at an average 15% per year, accounting for compounding. Compare across funds to spot underperformers.

Category Allocation

The doughnut chart shows how your investments are distributed across categories — large cap, mid cap, flexi cap, debt, hybrid, etc. If one category dominates (over 60%), your portfolio may be under-diversified.

Gain / Loss & Current Value

Since we don't know your exact purchase NAV, units are approximated from your invested amount and current NAV. The gain/loss is directional — for exact P&L, check your fund house statement or CAS report.

Fund Overlap & Concentration

If you hold 3 large-cap funds, the allocation chart will show heavy large-cap concentration. This "fund overlap" is a common portfolio mistake — you're paying 3 expense ratios for essentially the same exposure.

How to Build a Better Mutual Fund Portfolio

Diversify across categories, not just funds. Holding 8 funds doesn't help if they're all large-cap equity. A balanced portfolio for a moderate-risk investor might look like: 40% large/flexi cap, 25% mid cap, 15% small cap, and 20% debt or hybrid.

Prefer Direct Growth plans. Direct plans skip the distributor commission and deliver 0.5–1.5% higher annual returns than Regular plans. If you invest via Groww, Kuvera, Zerodha Coin, or MF Central — you're already on Direct plans.

Review underperformers annually. If a fund has underperformed its benchmark and category peers for 2+ consecutive years, consider switching. Use the 3Y and 5Y CAGR columns in the analysis table to spot these funds.

Avoid frequent churning. Exit loads (typically 1% if redeemed within 1 year) and short-term capital gains tax (20% for equity, 30% for debt under 3 years) can eat into returns. Rebalance once a year, not every quarter.

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FAQs

Frequently asked questions

What does the MF Portfolio Analyser do?
It analyses your mutual fund portfolio using real NAV data to show actual CAGR returns, category-wise allocation (large cap, mid cap, debt, etc.), and helps identify overlap or concentration risk. No signup required — just search and add your funds.

How is CAGR different from absolute returns?
CAGR (Compound Annual Growth Rate) shows your annualised return, making it easy to compare investments across different time periods. Absolute return is the total percentage gain/loss. A 50% absolute return over 5 years = roughly 8.4% CAGR.

How often should I review my mutual fund portfolio?
Review quarterly or semi-annually. Check if your asset allocation has drifted from your target, if any fund has consistently underperformed its benchmark for 2+ years, and whether your overall portfolio aligns with your goals and risk appetite.

What is a good asset allocation for mutual funds?
A common rule: 100 minus your age = equity allocation percentage. A 30-year-old might hold 70% equity and 30% debt. However, this depends on your risk tolerance, goals, and timeline. The analyser helps you see your current allocation clearly.