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Home / Mutual Funds / Portfolio Planner

Mutual fund portfolio planner

Add the funds you hold. See whether your portfolio has actually beaten the Nifty 50 (or a mid/small cap index), how much riskier it has been, and how much your funds overlap — from official NAVs and portfolio disclosures.

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Running SIPs? Compare them rupee-for-rupee in the SIP portfolio planner. Full stock-level detail: portfolio overlap checker.

How this works

Portfolio returns

We combine your funds’ month-end NAVs into one portfolio, weighted equally and rebalanced monthly, and compute 1, 3 and 5-year annualised returns over the months all your funds existed.

The benchmark

Indices can’t be bought directly, so each is represented by a large, low-cost Direct Growth index fund tracking it. That is the realistic “do nothing clever” alternative.

Risk

Volatility is how much monthly returns swing, annualised. Worst fall is the biggest peak-to-trough drop. Beating an index with far bigger swings is a different result from beating it smoothly.

Overlap

Measured from each fund’s latest SEBI-mandated monthly portfolio disclosure: for every pair, the sum of the smaller weight of each shared stock.

Portfolio Planner — common questions

Add your funds above. The planner combines them into one portfolio and compares its 1, 3 and 5-year annualised returns with a Nifty 50 index fund over exactly the same months. You also see a growth-of-₹100 chart, the volatility of each, and the worst fall each suffered, so you can judge whether any extra return came with extra risk.
An index is a list of stocks; you cannot invest in it directly. A low-cost index fund is the closest thing you can actually buy, and it carries real costs and tracking difference. Comparing with it answers the practical question: did my active funds do better than the cheap, passive option I could have picked instead?
No one can promise future returns. This planner shows what your mix of funds actually delivered in the past, alongside the index, which is a useful reality check but not a forecast. Returns depend on markets, your holding period and when you invested.
Not automatically. Some funds lag in one phase and lead in another, and switching can trigger exit loads and capital gains tax. Look at how long the gap has lasted, how much risk each fund takes, and whether your funds overlap. A portfolio review is the right place to decide which funds to keep.
Returns are measured only over months when every fund in your list existed. If one fund launched two years ago, the comparison window is two years. Remove the youngest fund to see a longer history for the rest.
Use the index that matches what your funds invest in: Nifty 50 for large cap and most flexi cap portfolios, Nifty Midcap 150 for mid-cap-heavy portfolios, and Nifty Smallcap 250 for small cap portfolios. Comparing a small cap fund with the Nifty 50 flatters or punishes it unfairly.

Returns are calculated from historical month-end NAVs (AMFI) and are not a forecast. Portfolio holdings come from AMC monthly disclosures. This tool is educational and is not investment advice. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance does not guarantee future returns.