Mutual Fund Portfolio Analyzer
Add your mutual fund holdings, get the latest NAV, 1/3/5-year CAGR, and a category allocation breakdown.
Add Holdings
Search across AMFI-registered schemes
No fund selected — type above to search
Add at least one fund to get started
Fund-wise Analysis
Point-to-point CAGR of each scheme’s NAV (not your personal return). IDCW plans exclude payouts, so their CAGR looks lower.
| Fund | Category | NAV | Invested | % Alloc | 1Y | 3Y | 5Y |
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Category Allocation
Share of your invested amount in each SEBI fund category
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What is the Mutual Fund Portfolio Analyser?
The MF Portfolio Analyser lets you add your mutual fund holdings and see the latest NAV, 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 needs none of that. Search for your funds and enter the amount invested to see each fund's returns and your category mix. 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
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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 AMFI-registered schemes and prioritises Direct Growth plans.
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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.
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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.
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4
Click "Analyse Portfolio" and review your results
You'll see each fund's latest NAV, its share of your portfolio, 1, 3 and 5-year NAV CAGR, and a category allocation breakdown of the amount you invested, 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 allocation breakdown shows how your invested amount is distributed across categories: large cap, mid cap, flexi cap, debt, hybrid, etc. If one category dominates (over 60%), your portfolio may be under-diversified.
Why No Gain / Loss?
Your actual profit depends on the dates and NAVs at which you bought units, which this tool doesn't ask for. So it doesn't show a current value or gain/loss. For exact P&L, check your fund house statement or your Consolidated Account Statement (CAS).
Category Concentration
If you hold 3 large-cap funds, the allocation breakdown will show heavy large-cap concentration, and you're likely paying 3 expense ratios for similar exposure. This tool checks category concentration only; it does not compare the individual stocks each fund holds.
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, so their expense ratio (TER) is lower than the Regular plan of the same scheme, and that difference adds to your return every year. Compare the two TERs on the AMC's website. 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 (many equity funds charge one if you redeem within a year; check the scheme document) and capital gains tax can eat into returns. For units sold from 1 April 2025: equity funds are taxed at 20% if held up to 12 months and 12.5% after that on gains above ₹1.25 lakh a year; funds with more than 65% in debt are taxed at your slab rate however long you hold them; funds with 35–65% in equity are taxed at 12.5% after 24 months and at slab rate before that. Rebalance once a year, not every quarter.
