From your first SIP to your first crore — and beyond.
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Mutual funds live in your CAS, demat stocks live in your NSDL eCAS. mcrux reads both and merges them into a single consolidated view — so cross-asset exposure stops hiding in the gap between two PDFs.
One PDF from CAMSOnline or KFintech covering every AMC — folios, transactions, SIPs, and compliance detail.
Password defaults to your PAN in lowercase
Emailed by NSDL every month — search your inbox for “NSDLe-CAS”. Covers stocks and MF folios across all your demat accounts.
Password is your PAN in UPPERCASE
Both are parsed in memory and discarded — the PDF itself is never stored. Upload either one, or both.
Add every member — you, your spouse, your parents, the kids’ folios. mcrux aggregates them into one household portfolio, then reports per member and across the family at once.
You
Spouse
Parent
Child
4 members
one consolidated report
Upload your CAS from CAMSOnline or KFintech. mcrux analyses every fund, every overlap, every fee — and writes a plain-English AI diagnosis of what to act on.
Every analysis downloads as a formatted PDF — the full household breakdown, per-member holdings, overlap tables, and the AI narrative. Take it to your CA, keep it for your records, or read it offline.
Generated from your latest analysis
Your mcrux AI Wealth Coach knows your actual holdings — overlap, fees, tax position, goal gaps. Ask in plain English, get a direct and specific answer.
Ask AI included with AI Pro · ₹2,999/year
What's our biggest overlap?
OverlapMirae Asset Large Cap + SBI Bluechip — 61% overlap, 18 common stocks. Two expense ratios for one strategy.
How much are we paying in fees?
Fee Drag₹44,017/yr combined fee drag. Priya's 3 Regular plans alone cost ₹16,224/yr extra vs Direct equivalents.
Any tax opportunity before March 31?
TaxOne fund with ₹22,000 unrealised loss — booking it could save ₹2,750–₹4,400 in capital gains tax.
Is our emergency fund covered?
GoalsNo — neither CAS shows a Liquid or Overnight fund. With 94% equity, any urgent redemption hits at market price.
Both are open to anyone — useful before you upload anything, and a fair test of whether the analysis is worth your statement.
Six risk tiers from Conservative to Aggressive — each with its category mix, the years to stay invested, and category averages drawn from live fund data.
Explore risk tiers →ForecastModel lumpsum plus monthly SIP over 5–30 years at any return you choose. Adjust the numbers and watch the corpus curve move.
Open the calculator →Start free. Pay only for the stage you're at.
Need AI Personal Wealth Coach (₹9,999/yr) or Family Office? Contact us →
Illustrative scenarios, not customer reviews — examples of what the analysis tends to reveal once a household's statements are consolidated.
“I thought I was diversified with 8 Mutual Funds. mcrux showed me that 4 of them owned almost the same stocks. I was paying 4 management fees for 1 strategy.”
Illustrative scenario
Age 29 · Early Retirement
“The Regular vs Direct auditor was a wake-up call. I'm saving nearly ₹45,000 in future commissions just by switching based on this report.”
Illustrative scenario
Age 42 · Kid's Education
“The Tax-Loss Harvesting scanner found losses I could offset against my gains. It paid for the annual subscription 5 times over in one afternoon.”
Illustrative scenario
Age 35 · Wealth Optimisation
Used mcrux? Tell us what you found.
Your experience helps other investors know what to expect from their portfolio scan.
We built mcrux with privacy as the foundation, not an afterthought.
Row-level security — nobody else sees your data
Supabase enforces row-level security (RLS) at the database level. Your portfolio, holdings, and analysis rows are cryptographically scoped to your user ID.
Your CAS PDF is never stored
We parse your CAS PDF in memory the moment you upload it — extracting holdings, NAVs, and folios — then discard the file immediately. Only structured analysis data is saved.
Google Sign-In only — no passwords
mcrux has no password database. We use Google OAuth exclusively — no password file to leak, no reset flow to hijack.
Your data is never sold or shared
We do not sell, rent, or share your portfolio data with any third party — not AMCs, not distributors, not advertisers. mcrux earns from subscriptions only.
Read our full Privacy Policy for details.
See how consistent SIP + lumpsum investing builds wealth over 30 years at 15% CAGR.