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Portfolio Health Check
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Is your portfolio actually built for you?

Upload your holdings, answer eleven questions, and see the concentration, overlap and risk your statement does not show you — with an illustrative model portfolio to discuss with us.

{{ dataAsOf }} Values and returns are your statement's. Categories, NAV and risk statistics are live from AMFI and actual NAV history. Look-through holdings, sector splits, overlap and expense ratios show as unavailable until those feeds are connected.
Step 1 of 4

Investor profile

Your answers set the reference point for everything that follows. The portfolio is measured against your profile — not against an index alone.

11 questions, about three minutes
Step 2 of 4

Risk assessment

Risk capacity — what your circumstances can absorb — is scored separately from risk tolerance, which is how you behave when markets fall. The two are usually different, and the difference is what most portfolios get wrong.

C — capacity T — tolerance
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Step 3 of 4

Portfolio holdings

Read from your consolidated statement. Review the mapping, edit any value, or add holdings held elsewhere.

MF
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Check the category and values against your statement — edit any cell. Add another statement to merge more folios.
₹{{ fmt.current }} read from {{ schemeSummary }}. {{ statedNote }} Anything the file did not carry can be added or corrected in the table below.
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You are viewing the sample portfolio. Upload your own statement above to replace it.
Scheme Sub-category Invested Current value Abs ret XIRR Weight
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{{ h.alloc }}%
Total {{ schemeSummary }} {{ fmt.invested }} {{ fmt.current }} {{ fmt.absRet }}% {{ fmt.xirr }}% 100%
Look-through analysis uses sample factsheet holdings until the AMFI and factsheet feeds are connected.
Nothing to analyse yet

Upload your mutual fund statement first

This tool analyses your real holdings — nothing is pre-filled. A consolidated statement from CAMS, KFintech, MF Central, NSDL or CDSL works, as PDF, CSV or Excel. The file is read in your browser and never uploaded to a server.

Reading your statement…
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OF 100
Portfolio health score
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Portfolio snapshot

Every metric carries what it means for you underneath it
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{{ obsCount }} key observations

Finding, evidence, why it matters, suggested action — click any row
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Why it matters
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Suggested action
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True asset allocation

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Market-cap exposure

Your equity look-through against what your risk profile suggests
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Sector exposure vs benchmark

Look-through, against a blended broad-market sector weighting
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Portfolio Benchmark weight

Hidden concentration

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Effective stock exposure — top 10
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Top 10 stocks
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of equity exposure
Scheme-level HHI
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Scheme overlap matrix — shared holdings
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High above 40% Moderate 20–40% Low under 20%
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Detailed diagnostics

Risk-free rate {{ rfRate }}% (10Y G-Sec, admin-set) · computed from actual scheme NAV history, 3 years
Metric Portfolio Benchmark Model Read {{ r.metric }} {{ r.port }} {{ r.bench }} {{ r.model }} {{ r.read }}
Risk vs return map
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volatility →
Holding classification
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Current vs suggested allocation

Illustrative model for a {{ risk.profileName }} profile over a {{ profile.horizon }} horizon
SleeveCurrentSuggestedChange
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Illustrative model portfolio

Six sleeves, each with a defined role. Categories are the recommendation — scheme names are examples for discussion.
Role Category Allocation Value Why this sleeve is considered {{ m.role }}
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 {{ m.pct }}% ₹{{ m.value }} {{ m.reason }}

Suggested action plan

Phased deliberately — large one-time switches carry tax and timing risk of their own
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Ask about this portfolio

Every answer cites the numbers it was derived from
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Disclaimer

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Client report

Seventeen sections in Rytvae layout — profile, diagnostics, observations, gaps, model allocation, disclosures. Editable before it reaches the client.
Rytvae Consulting — Think Right Invest Right
Equity Portfolio Health Check
Prepared for {{ investorName }}
Portfolio value ₹{{ fmt.current }} · {{ risk.profileName }} risk profile
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Contents
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Executive summary — page 3
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Administrator settings

Scoring thresholds, allocation models, fund-selection weights and disclaimer wording are configuration, not code. Changes apply to every subsequent analysis.

Health score weights

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Asset allocation models

Profile {{ h }} {{ r.name }} {{ c }}

Fund selection factor weights

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Market assumptions & data sources

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Disclaimer text