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Instantly parse your Consolidated Account Statement to extract portfolio holdings, stock overlaps, TER leakage, and tax harvesting roadmaps.
Total Portfolio Valuation
₹24,50,000
Parsed from latest NAVs
Overall Overlap Risk
38.5%
High concentration risk
Annual TER Drag
₹18,500
Regular vs Direct leakage
10-Yr Compounded Drag
₹2,36,400
Wealth drag at 12% returns
Top Stock Concentration Overlaps
Underlying equities held simultaneously across multiple mutual fund schemes
| Stock Name | Sector | Portfolio Weight | Market Valuation | Held In Schemes |
|---|---|---|---|---|
| ICICI Bank Ltd. | Financial Services | 12.4% | ₹3,03,800 | HDFC Top 100, SBI Bluechip |
| Reliance Industries Ltd. | Energy | 9.8% | ₹2,40,100 | Parag Parikh Flexi, HDFC Top 100 |
| HDFC Bank Ltd. | Financial Services | 8.5% | ₹2,08,250 | Nippon Small Cap, SBI Bluechip |
| Infosys Ltd. | Technology | 7.2% | ₹1,76,400 | Parag 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.
Phase 2: Eliminate High-Overlap Duplicate Funds
Post 365 Days HoldingConsolidate duplicate Large Cap funds after 365 days to avoid 20% Short-Term Capital Gains (STCG) tax.
Phase 3: Diversification into Alternative Products (AIF/PMS/Bonds)
Next Financial QuarterDeploy liquidated capital into asset-backed private credit AIF or high-yield corporate bonds for non-correlated returns.