Sample Portfolio Analysis
A.S., 34 · Software Engineer · Bengaluru · Generated by ArthaDNA AI
Risk profile mismatch detected
Your stated risk profile is Conservative, but your actual portfolio behaves as Moderate-Aggressive (13% small-cap, 20% mid-cap allocation). This mismatch can trigger panic selling during market corrections.
✦ AI Findings
🔴 Regular plan cost drag
2 funds worth ₹8,08,000 are in Regular plans. You're paying ~₹12,100/year extra in distributor commissions. Switching to Direct takes 10 minutes online.
🟡 SIP gap: FI at 52 at risk
Your FI Number is ₹4.2 Cr at age 52. At ₹28,000/mo SIP and 12% assumed return, you reach FI at 57. Increasing SIP by ₹13,000/mo closes this gap by 5 years.
🟡 Small-cap overweight
Small-cap allocation is 13% of portfolio. For your Moderate-Aggressive risk profile, 5–8% is recommended. High small-cap exposure amplifies drawdowns in bear cycles.
🟢 Emergency fund adequate
Liquid Fund (₹2.4L) + Savings (₹1.5L) = ₹3.9L liquid. At ₹76,000/mo estimated expenses, this is 5.1 months of runway. Target is 3–6 months, so you're in the green.
✦ Holdings8 funds · Click column header to sort
| Fund ↕ | Value ↓ | 3Y CAGR | Action | Note |
|---|---|---|---|---|
Mirae Asset Large Cap FundREG | ₹5,12,000 | 13.1% | EXIT | Regular plan: switch to Direct |
HDFC Mid Cap Opportunities Fund | ₹4,84,000 | 21.4% | HOLD | Strong performer |
SBI Small Cap Fund | ₹3,20,000 | 28.6% | REDUCE | Overweight small-cap |
Axis Bluechip FundREG | ₹2,96,000 | 11.2% | EXIT | Regular plan: switch to Direct |
ICICI Pru Balanced Advantage Fund | ₹2,41,400 | 12.8% | ADD | Under-allocated |
Nippon India Liquid Fund | ₹2,40,000 | 6.8% | HOLD | Emergency buffer |
Parag Parikh Flexi Cap Fund | ₹2,18,000 | 18.2% | HOLD | Core holding |
SIP Savings Bank | ₹1,50,000 | — | — | Cash buffer |
Mirae Asset Large Cap Fund
Large Cap
HDFC Mid Cap Opportunities Fund
Mid Cap
Strong performer
SBI Small Cap Fund
Small Cap
Overweight small-cap
Axis Bluechip Fund
Large Cap
ICICI Pru Balanced Advantage Fund
Balanced Advantage
Under-allocated
Nippon India Liquid Fund
Liquid
Emergency buffer
Parag Parikh Flexi Cap Fund
Flexi Cap
Core holding
SIP Savings Bank
Cash
Cash buffer
✦ FI JourneyFinancial Independence tracker
Monthly SIP Adequacy
How much you invest vs how much you need
Years to FI
Age 34 → target 52 · 18 years remaining
🔒 FI Number details unlocked in Pro plan
Allocation breakdown
🎯 Deploy Decision: where to put your moneyPRO
Say you have ₹25 L idle. ArthaDNA's answer:
🟡 Watch zone · 58/100Deploy ₹8.75 L now · stagger ₹16.25 L over 8 weeks · keep ₹4 L liquid for your 2027 goal
Why Watch: Nifty P/E 20 (fair, 18–22 band), market 12% off highs. Each fund's call comes from its P/E vs 10-yr average; near-term goal money stays liquid; funds you already own are kept, not churned. Re-checked as the market moves. That's the Pro edge.
See your real numbers, not fictional ones
Upload your CAMS/KARVY statement (PDF) or connect your demat. ArthaDNA generates this exact analysis, with your funds, your XIRR and your FI date, in under 60 seconds.
All data on this page is entirely fictional and used for demonstration purposes only. ArthaDNA does not constitute investment advice. Please consult a SEBI-registered advisor.