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Sample AI Mutual Fund Portfolio Report
Generated · 14 May 2026, 10:32 AM
Household of 2 · 2 CAS statements + 1 eCAS analysed
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5 sample questions the AI Wealth Coach can answer about Rahul + Priya's portfolio
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AI Wealth Insights for Family Portfolio
Combined analysis across the household — gaps, overlap, and areas to review.
Asset mix
Where your money sits
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Asset mix
Where your money sits
Mutual funds vs direct equity
Invested ₹29,10,000 · Current ₹37,30,000
Moderately High
Risk level 4 of 5
Tap a band to preview →
Risk vs return
An aggressive mix — up +28.2% since you invested. Strong growth potential, but expect bigger swings.
Educational read of your mix, not personalised advice.
Your journey
At your current risk (Level 4 · ~12.5% a year), ₹45,51,200 plus ₹28,000/mo could grow to
₹7.79Cr
by 2046 — and mcrux coaches you the whole way.
Tap a band on the dial to see how the destination shifts. Illustrative over 20 years at assumed returns per band — not a guarantee; higher bands mean bigger ups and downs along the way.
Family focus
Top actions across the household this month
- 13 fund pairs across the family overlap heavily — consider reviewing whether they add real diversification.
- 2Rahul: 2 folios need attention — consider updating KYC / nomination details.
- 3Rahul: 1 demat account has no nominee registered — consider adding one via your broker to ease transmission for heirs.
Family Leaks
Combined yearly cost drag across the household · avg TER 1.18%
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 4.1% (Rahul only). Priya has no international fund exposure — whether this suits the household depends on individual goals and risk profile.
- 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 — TER differential vs equivalent Direct plans is approximately ₹16,224/yr (~0.9% of portfolio value annually).
- 5Direct equity is 18% of household value and concentrated in 5 large-cap names that the funds also hold — see Cross-asset exposure.
Portfolio trend
Month-on-month value since Jun 25 · 1 of 2 members
+3.26%Show
Portfolio trend
Month-on-month value since Jun 25 · 1 of 2 members
As of May 26
₹33,71,200
+₹6,29,200 (+22.9%) over 12 months
Movement reflects both market value and money added or withdrawn — a fall can mean units were sold, not only that prices dropped.
Covers the 1 of 2 members with an NSDL eCAS — a CAS alone carries no value history.
Composition
2 asset classes
Show
2 asset classes
ShowAs reported on your May 26 statement.
AI Analysis
generated across the household
Family Fund Overlap
Mirae Asset Large Cap Fund (Rahul) ↔ SBI Bluechip Fund (Priya)
61.2% overlapCommon: HDFC Bank, ICICI Bank, Reliance Industries, Infosys, Axis Bank +1 more
Axis Bluechip Fund (Rahul) ↔ Mirae Asset Large Cap Fund (Rahul)
57.4% overlapCommon: HDFC Bank, ICICI Bank, Reliance Industries, TCS, Infosys +1 more
Axis Bluechip Fund (Rahul) ↔ SBI Bluechip Fund (Priya)
53.1% overlapCommon: HDFC Bank, ICICI Bank, Reliance Industries, Infosys, Axis Bank
Axis ELSS Tax Saver (Rahul) ↔ Axis Bluechip Fund (Rahul)
41.8% overlapCommon: HDFC Bank, ICICI Bank, Bajaj Finance, Reliance Industries, Infosys
HDFC ELSS TaxSaver (Priya) ↔ Axis Bluechip Fund (Rahul)
34.5% overlapCommon: HDFC Bank, ICICI Bank, L&T, Infosys, Kotak Bank
1 index/ETF fund tracks an index — not part of the fund-overlap comparison.
Data mix: Apr 2026 (Mirae Asset Large Cap Fund (Rahul), SBI Bluechip Fund (Priya), Axis Bluechip Fund (Rahul), Axis ELSS Tax Saver (Rahul)) · Mar 2026 (HDFC ELSS TaxSaver (Priya))
mcrux Fund Rankings
5 funds scoredHDFC ELSS TaxSaver (Priya)
Rank 37 of 42 in ELSS · 3Y CAGR 10.2% · TER 1.68% · 59 pts below category best
Consider reviewing this fund's long-term performance vs its ELSS peers.
Top-ranked ELSS funds by mcrux Score — for reference only▸
SBI Bluechip Fund (Priya)
Rank 19 of 27 in Large Cap Fund · 3Y CAGR 11.4% · TER 1.45% · 48 pts below category best
Consider reviewing this fund's long-term performance vs its Large Cap Fund peers.
Top-ranked Large Cap Fund funds by mcrux Score — for reference only▸
1 index/ETF fund tracks their index · 1 debt fund — mcrux ranks actively managed equity funds.
Performance data pending for 1 fund.
mcrux Score = 35% 3Y-CAGR + 30% rolling consistency + 20% Sharpe + 15% expense ratio (lower TER = better) vs SEBI category peers. Educational analysis, not investment advice.
Stocks You Also Own Through Funds
Your direct demat stocks matched against every equity fund's disclosed holdings — your real per-stock exposure.
HDFC Bank Ltd
₹4,21,040 total₹2,53,500 direct · ₹1,67,540 via funds (39.8%)
Axis Bluechip Fund (Rahul) (8.9%) · SBI Bluechip Fund (Priya) (9.1%) · Mirae Asset Large Cap Fund (Rahul) (9.4%) · HDFC ELSS TaxSaver (Priya) (7.8%)
Infosys Ltd
₹2,88,840 total₹1,87,200 direct · ₹1,01,640 via funds (35.2%)
Axis Bluechip Fund (Rahul) (5.4%) · SBI Bluechip Fund (Priya) (5.2%) · Mirae Asset Large Cap Fund (Rahul) (5.9%) · HDFC ELSS TaxSaver (Priya) (4.9%)
Reliance Industries Ltd
₹2,42,460 total₹1,42,000 direct · ₹1,00,460 via funds (41.4%)
Axis Bluechip Fund (Rahul) (6.8%) · SBI Bluechip Fund (Priya) (6.5%) · Mirae Asset Large Cap Fund (Rahul) (7.1%)
+ 1 more stock ▸Show fewer ▾
Tata Consultancy Services Ltd
₹1,98,260 total₹1,56,000 direct · ₹42,260 via funds (21.3%)
Axis Bluechip Fund (Rahul) (4.1%) · Mirae Asset Large Cap Fund (Rahul) (4.4%)
1 index/ETF fund tracks an index — stock exposure through them is not itemised.
Data mix: Apr 2026 (Axis Bluechip Fund (Rahul), Mirae Asset Large Cap Fund (Rahul), SBI Bluechip Fund (Priya)) · Mar 2026 (HDFC ELSS TaxSaver (Priya))
Areas to Review
- 1Priya holds 3 Regular plans — SBI Bluechip, HDFC ELSS TaxSaver, and Kotak Balanced Advantage. Equivalent Direct plans exist with lower TERs; the estimated cost difference is ₹13,116/yr. Worth evaluating with a distributor or registered advisor before making any changes.
- 2Rahul holds 2 Large Cap funds — Axis Bluechip Regular and Mirae Asset Large Cap Direct. Both are in the same SEBI category with significant AUM overlap. Many investors review for duplication within a single category.
- 3HDFC Bank, Infosys, Reliance and TCS are each held directly in Rahul's demat account and again inside the household's large-cap funds — combined exposure to those four names is ₹11.5L, about 25% of household value. Worth reviewing the true position size rather than each account separately.
- 4HDFC Mid-Cap Opportunities (Regular) has a TER of 1.61% vs 0.82% for the Direct variant — a cost difference of ~₹4,800/yr on the ₹6.1L holding. No change in fund, just plan type.
- 5Priya's portfolio has no debt or liquid component (100% equity/hybrid). Many investors with similar equity exposure maintain some debt allocation for liquidity. Worth discussing with an advisor whether this suits Priya's goals and timeline.
Family Portfolio Forecast
Current portfolio (lumpsum)
₹45.5L
Monthly SIPs
Expected CAGR
Invested (30 yr)
₹1.46Cr
Portfolio value
₹23.52Cr
16.1× your money
Wealth created
₹22.06Cr
Illustrative only · not a guarantee of future performance
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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.