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Sample AI Mutual Fund Portfolio Report

Generated · 14 May 2026, 10:32 AM

Household of 2 · 2 CAS statements analysed

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5 sample questions the AI Wealth Coach can answer about Rahul + Priya's portfolio

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Family Report

AI Wealth Insights for Family Portfolio

Combined analysis across the household — gaps, overlap, and areas to review.

2 action needed

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 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).

mcrux Fund Rankings

5 funds scored

HDFC ELSS TaxSaver (Priya)

Bottom Quartile22.1/100

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:

Mirae Asset ELSS Tax Saver Fund81.4Quant ELSS Tax Saver Fund76.2Canara Robeco ELSS Tax Saver Fund72.8

SBI Bluechip Fund (Priya)

Below Median31.4/100

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:

Nippon India Large Cap Fund78.9ICICI Pru Bluechip Fund74.3Mirae Asset Large Cap Fund71.2

1 fund could not be ranked — performance data pending.

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.

Family Fund Overlap

Mirae Asset Large Cap Fund (Rahul) ↔ SBI Bluechip Fund (Priya)

61.2% overlap

Common: HDFC Bank, ICICI Bank, Reliance Industries, Infosys, Axis Bank +1 more

Axis Bluechip Fund (Rahul) ↔ Mirae Asset Large Cap Fund (Rahul)

57.4% overlap

Common: HDFC Bank, ICICI Bank, Reliance Industries, TCS, Infosys +1 more

Axis Bluechip Fund (Rahul) ↔ SBI Bluechip Fund (Priya)

53.1% overlap

Common: HDFC Bank, ICICI Bank, Reliance Industries, Infosys, Axis Bank

Axis ELSS Tax Saver (Rahul) ↔ Axis Bluechip Fund (Rahul)

41.8% overlap

Common: HDFC Bank, ICICI Bank, Bajaj Finance, Reliance Industries, Infosys

HDFC ELSS TaxSaver (Priya) ↔ Axis Bluechip Fund (Rahul)

34.5% overlap

Common: HDFC Bank, ICICI Bank, L&T, Infosys, Kotak Bank

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))

Areas to Review

  1. 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.
  2. 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.
  3. 3HDFC 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.
  4. 4Priya'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.

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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.