Mutual Fund Portfolio Analyzer

Executive Advisory & Overlap Diagnostic

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Instantly parse Consolidated Account Statements and compute stock-level portfolio concentration & TER expense drag.

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Supports CAMS & KFintech Consolidated Statements

Total Portfolio Valuation

24,50,000

Parsed from latest NAVs

Overall Overlap Risk

38.5%

High portfolio concentration

Annual TER Drag

18,500

Regular vs Direct plan leakage

10-Yr Compounded Drag

2,36,400

Wealth lost at 12% returns

Top Stock Concentration Overlaps

Underlying equities held simultaneously across multiple mutual fund schemes

Stock NameSectorPortfolio WeightMarket ValuationHeld In Schemes
ICICI Bank Ltd.Financial Services12.4%3,03,800HDFC Top 100, SBI Bluechip
Reliance Industries Ltd.Energy9.8%2,40,100Parag Parikh Flexi, HDFC Top 100
HDFC Bank Ltd.Financial Services8.5%2,08,250Nippon Small Cap, SBI Bluechip
Infosys Ltd.Technology7.2%1,76,400Parag Parikh Flexi, ICICI Bluechip

Tax-Aware Rebalancing Roadmap

Structured execution phases optimizing LTCG exemptions (₹1.25L limit) and avoiding STCG penalties.

Phase 1: Tax-Free LTCG Harvesting & Direct Plan Migration

Immediate (Current FY)

Redeem holdings held > 365 days within ₹1.25 Lakh annual LTCG tax-free exemption limit and switch from Regular to Direct plans.

Estimated Tax Payable: ₹0.00

Phase 2: Eliminate High-Overlap Duplicate Funds

Post 365 Days Holding

Consolidate duplicate Large Cap funds after 365 days to avoid 20% Short-Term Capital Gains (STCG) tax.

Estimated Tax Payable: ₹6,250.00

Phase 3: Diversification into Alternative Products (AIF/PMS/Bonds)

Next Financial Quarter

Deploy liquidated capital into asset-backed private credit AIF or high-yield corporate bonds for non-correlated returns.

Estimated Tax Payable: ₹0.00