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 — 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 Lidle. 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, 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.