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Generated · 14 May 2026, 10:32 AM
Household of 2 · 2 CAS statements analysed
Rahul
Self
Portfolio
₹25,50,000
+30.8% overall
Allocation
Invested ₹19,50,000 · Current ₹25,50,000
Fee Drag
6 funds analysed — click to expand
₹27,793/yravg 1.09%
Fee Drag
6 funds analysed — click to expand
| Fund | TER | Drag/yr |
|---|---|---|
| Axis Bluechip Fund – Regular | 1.52% | ₹8,816 |
| Mirae Asset Large Cap Fund – Direct | 0.54% | ₹2,268 |
| HDFC Mid-Cap Opportunities – Regular | 1.61% | ₹9,821 |
| Axis ELSS Tax Saver – Direct | 0.69% | ₹3,381 |
| SBI Debt Hybrid Fund – Regular | 1.05% | ₹3,255 |
| Mirae Asset NYSE FANG+ ETF FoF – Direct | 0.18% | ₹252 |
Missed Gains
Regular vs Direct — annual fee drag
| Fund | Regular TER | Direct TER | Annual drag |
|---|---|---|---|
| Axis Bluechip Fund – Regular | 1.52% | 0.54% | ₹5,684 |
| HDFC Mid-Cap Opportunities – Regular | 1.61% | 0.82% | ₹4,819 |
| SBI Debt Hybrid Fund – Regular | 1.05% | 0.45% | ₹1,860 |
Benchmark underperformance — annual gap
| Fund | Alpha | Annual gap |
|---|---|---|
| HDFC Mid-Cap Opportunities – Regular | -2.1% | ₹12,810 |
- !Holding 3 Regular plans costs ~₹12,363/yr in extra distributor commissions vs Direct equivalents.
- !HDFC Mid-Cap Opportunities has underperformed its benchmark (Nifty Midcap 150 TRI) by 2.1% annually — ~₹12,810/yr in foregone returns.
Fee drag uses estimated Direct TERs from AMFI. Alpha gap is sourced from ETMoney fund data. Actual savings may vary.
Fund Returns
AI InsightShow
Fund Returns
AI Insight| Fund | 1Y | 3Y |
|---|---|---|
| Axis Bluechip Fund | +14.2% | +12.8% |
| Mirae Asset Large Cap | +16.8% | +13.9% |
| HDFC Mid-Cap Opportunities | +22.4% | +18.6% |
| Axis ELSS Tax Saver | +15.1% | +13.4% |
| SBI Debt Hybrid | +8.4% | +7.9% |
| Mirae NYSE FANG+ FoF | +28.4% | +12.1% |
AI Narrative
AI InsightRahul's portfolio shows a well-diversified equity core, but the mix of Regular and Direct plans is creating a fee drag of ₹27,793/yr — money that compounds against wealth over time.
The Large Cap allocation is doubled-up across Axis Bluechip (Regular, 1.52% TER) and Mirae Asset (Direct, 0.54% TER). Consolidating to the Direct plan alone would save approximately ₹8,800/yr and remove portfolio management overhead. The ELSS allocation via Axis Direct is well-structured. The SBI Debt Hybrid regular plan warrants a review — consider switching to a low-cost debt index fund for the ₹3.1L allocation. Mid Cap exposure via HDFC is appropriate for the risk horizon indicated, but the Regular plan adds avoidable cost.
Goal Alignment
AI Insight- !No emergency fund detected — consider keeping 3–6 months of expenses in a Liquid or Overnight fund for quick, penalty-free access.
Tax Loss Harvesting
AI Insight| Fund | Loss |
|---|---|
| Mirae Asset NYSE FANG+ ETF FoF – Direct | ₹22,000 |
- !1 fund with unrealised losses totalling ₹22,000. Booking before 31 March could save ₹2,750–₹4,400 in capital gains tax.
- !India has no wash-sale rule — you can sell and rebuy the same fund on the same day to maintain market exposure while locking in the tax loss.
Loss estimates use total invested value vs current value from your CAS. Per-lot purchase dates are not available, so STCG vs LTCG split is approximate. Consult a CA for precise tax calculation before acting.
Tax Liability
AI Insight| Fund | Gain | LTCG tax |
|---|---|---|
| HDFC Mid-Cap Opportunities – Regular | ₹1,60,000 | ₹20,000 |
| Axis Bluechip Fund – Regular | ₹1,60,000 | ₹20,000 |
| Axis ELSS Tax Saver – Direct | ₹1,10,000 | ₹13,750 |
| Mirae Asset Large Cap Fund – Direct | ₹80,000 | ₹10,000 |
| SBI Debt Hybrid Fund – Regular | ₹40,000 | ₹5,000 |
- ₹Estimated LTCG tax if entire equity portfolio sold today: ₹53,125 (12.5% on gains above ₹1.25L annual exemption).
- ₹No short-term holdings detected — no STCG exposure.
Tax estimates use total invested value vs current value from your CAS. Per-lot purchase dates unavailable — actual LTCG/STCG split may differ. Consult a CA before acting.
Compliance Audit
2 issues across 4 foliosShow
Compliance Audit
2 issues across 4 foliosAxis Mutual Fund
Folio 1234/56
HDFC Mutual Fund
Folio 9876/21
Mirae Asset
Folio 5544/01
SBI Mutual Fund
Folio 3310/77
Priya
Spouse
Portfolio
₹11,80,000
+22.9% overall
Allocation
Invested ₹9,60,000 · Current ₹11,80,000
Fee Drag
3 funds analysed — click to expand
₹16,224/yravg 1.37%
Fee Drag
3 funds analysed — click to expand
| Fund | TER | Drag/yr |
|---|---|---|
| SBI Bluechip Fund – Regular | 1.42% | ₹6,816 |
| HDFC ELSS TaxSaver – Regular | 1.50% | ₹6,300 |
| Kotak Balanced Advantage – Regular | 1.11% | ₹3,108 |
Missed Gains
Regular vs Direct — annual fee drag
| Fund | Regular TER | Direct TER | Annual drag |
|---|---|---|---|
| SBI Bluechip Fund – Regular | 1.42% | 0.62% | ₹3,840 |
| HDFC ELSS TaxSaver – Regular | 1.50% | 0.75% | ₹3,150 |
| Kotak Balanced Advantage – Regular | 1.11% | 0.38% | ₹2,044 |
- !All 3 funds are in Regular plans — switching to Direct would save ~₹9,034/yr in annual distributor commissions.
Fee drag uses estimated Direct TERs from AMFI. Actual savings may vary slightly after switching.
Fund Returns
AI InsightShow
Fund Returns
AI Insight| Fund | 1Y | 3Y |
|---|---|---|
| SBI Bluechip Fund | +13.8% | +11.9% |
| HDFC ELSS TaxSaver | +14.6% | +12.4% |
| Kotak Balanced Advantage | +10.2% | +9.8% |
AI Narrative
AI InsightPriya's portfolio is 100% Regular plans — every rupee is paying distributor commission that doesn't serve the portfolio.
The effective fee drag of ₹16,224/yr compounds significantly over a 10-year horizon. At 8% assumed CAGR differential between Regular and Direct plans, the cost over 10 years is approximately ₹2.4L in lost compounding. The concentration in Large Cap (41%) and ELSS (35%) means limited mid-cap and zero international exposure. With no debt allocation, the portfolio is fully equity-correlated — adding a short-duration debt fund would improve the risk-adjusted profile.
Goal Alignment
AI Insight- !No emergency fund detected — consider keeping 3–6 months of expenses in a Liquid or Overnight fund for quick, penalty-free access.
Tax Loss Harvesting
AI InsightNo unrealised losses — nothing to harvest this FY.
- !No unrealised losses detected — no tax-loss harvesting opportunities this FY.
Loss estimates use total invested value vs current value from your CAS. Per-lot purchase dates are not available, so STCG vs LTCG split is approximate. Consult a CA for precise tax calculation before acting.
Tax Liability
AI Insight| Fund | Gain | LTCG tax |
|---|---|---|
| SBI Bluechip Fund – Regular | ₹1,10,000 | ₹0 |
| HDFC ELSS TaxSaver – Regular | ₹70,000 | ₹0 |
| Kotak Balanced Advantage – Regular | ₹40,000 | ₹0 |
- ₹Estimated LTCG tax if entire equity portfolio sold today: ₹11,875 (12.5% on ₹95K gain above ₹1.25L exemption).
Tax estimates use total invested value vs current value from your CAS. Per-lot purchase dates unavailable — actual LTCG/STCG split may differ. Consult a CA before acting.
Compliance Audit
2 issues across 3 foliosShow
Compliance Audit
2 issues across 3 foliosSBI Mutual Fund
Folio 7721/03
HDFC Mutual Fund
Folio 4456/88
Kotak Mahindra MF
Folio 2209/11
Household Overview
Combined analysis — gaps, overlap, and next steps across Rahul + Priya.
Portfolio Gaps
- 1No emergency fund visible in CAS — consider a liquid fund or short-duration debt fund equivalent to 6 months of expenses.
- 2International allocation is 5.8% (Rahul only). Priya has zero international exposure — consider adding a global index fund for currency diversification.
- 3ELSS lock-in on 4 folios expires in the next 12 months — review whether to redeem or continue based on tax bracket.
- 4Priya's entire portfolio is in Regular plans, costing an estimated ₹16,224/yr in extra distributor commissions. Switching to Direct would improve returns by ~0.9% annually.
Family Fund Overlap
Cross-fund stock overlap detection is in progress.
Actionable Next Steps
- 1Switch Priya's SBI Bluechip and HDFC ELSS to Direct plans — estimated annual saving of ₹13,116. Use Kuvera or MFCentral for direct plan migration.
- 2Consider reviewing "Axis Bluechip Regular" vs "Mirae Asset Large Cap Direct" — both are Large Cap funds with significant AUM. Consolidating to one reduces management overhead.
- 3HDFC Mid-Cap Opportunities (Regular) has a TER of 1.61%. The Direct variant at 0.82% would save ~₹4,800/yr on the same ₹6.1L holding.
- 4Add a debt allocation for Priya — her portfolio is 100% equity/hybrid. A short-duration debt fund of ₹1–1.5L improves risk-adjusted returns for the household.
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Educational portfolio analysis — not personalised investment advice. mcrux is not a SEBI-registered investment advisor. Past performance does not guarantee future results.