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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
Estimated Fee Drag
₹27,793/yravg 1.09%Details
| Fund | TER | Drag/yr |
|---|---|---|
| Axis Bluechip Fund | 1.52% | ₹8,816 |
| Mirae Asset Large Cap Fund | 0.54% | ₹2,268 |
| HDFC Mid-Cap Opportunities | 1.61% | ₹9,821 |
| Axis ELSS Tax Saver | 0.69% | ₹3,381 |
| SBI Debt Hybrid Fund | 1.05% | ₹3,255 |
| Mirae Asset NYSE FANG+ ETF FoF | 0.18% | ₹252 |
TER sourced from AMFI monthly disclosure. Drag = TER × current value.
Missed Gains
₹12,363/yrDetails
Regular vs Direct — annual fee drag
These funds have a Direct plan equivalent with a lower expense ratio. Switching from Regular to Direct eliminates the annual drag shown below.
| Fund | Regular TER | Direct TER | Annual drag |
|---|---|---|---|
| Axis Bluechip Fund | 1.52% | 0.54% | ₹5,684 |
| HDFC Mid-Cap Opportunities | 1.61% | 0.82% | ₹4,819 |
| SBI Debt Hybrid Fund | 1.05% | 0.45%~ | ₹1,860 |
- !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.
Compliance Audit
2 of 4 folios with issuesDetails
Compliance Audit
2 of 4 folios with issuesAxis Mutual Fund
Folio 1234/56
HDFC Mutual Fund
Folio 9876/21
Mirae Asset
Folio 5544/01
SBI Mutual Fund
Folio 3310/77
Your SIPs
Inferred from CAS transaction history
Active monthly
₹15,000
Inactive / stopped
Axis Bluechip Fund - Regular Growth
Last: Nov 2024
Fund Returns
AI InsightDetails
Fund Returns
AI Insight| Fund | 1Y | 3Y | |||
|---|---|---|---|---|---|
| HDFC Mid-Cap Opportunities | +22.4% | +18.6% | |||
| Axis Bluechip Fund | +14.2% | +12.8% | |||
| Axis ELSS Tax Saver | +15.1% | +13.4% | |||
| Mirae Asset Large Cap Fund | +16.8% | +13.9% | |||
| SBI Debt Hybrid Fund | +8.4% | +7.9% | |||
| Mirae Asset NYSE FANG+ ETF FoF | +28.4% | +12.1% | |||
Category averages | |||||
| Mid Cap Fund | +21.6% | +17.2% | |||
| Large Cap Fund | +13.1% | +11.4% | |||
| ELSS | +14.8% | +12.9% | |||
| Aggressive Hybrid Fund | +9.2% | +8.8% | |||
| Fund of Funds (Overseas) | +24.1% | +11.8% | |||
CAGR sourced from mfapi.in historical daily NAV; refreshed weekly. Category averages computed from all Direct+Growth funds in the same SEBI category.
AI Narrative
Rahul'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) — two funds in the same SEBI category. The ELSS allocation via Axis Direct is well-structured. The SBI Debt Hybrid regular plan has a higher TER (1.05%) compared to passive debt index options — worth evaluating whether the allocation and cost structure match your goals. Mid Cap exposure via HDFC adds avoidable cost via the Regular plan.
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 | ₹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 if Sold Today
AI Insight| Fund | Gain | LTCG tax |
|---|---|---|
| HDFC Mid-Cap Opportunities | ₹1,60,000 | ₹20,000 |
| Axis Bluechip Fund | ₹1,60,000 | ₹20,000 |
| Axis ELSS Tax Saver | ₹1,10,000 | ₹13,750 |
| Mirae Asset Large Cap Fund | ₹80,000 | ₹10,000 |
| SBI Debt Hybrid Fund | ₹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.
Priya
Spouse
Portfolio
₹11,80,000
+22.9% overall
Allocation
Invested ₹9,60,000 · Current ₹11,80,000
Estimated Fee Drag
₹16,224/yravg 1.37%Details
| Fund | TER | Drag/yr |
|---|---|---|
| SBI Bluechip Fund | 1.42% | ₹6,816 |
| HDFC ELSS TaxSaver | 1.50% | ₹6,300 |
| Kotak Balanced Advantage | 1.11% | ₹3,108 |
All 3 funds are Regular plans. TER sourced from AMFI monthly disclosure.
Missed Gains
₹9,034/yrDetails
Regular vs Direct — annual fee drag
These funds have a Direct plan equivalent with a lower expense ratio. Switching from Regular to Direct eliminates the annual drag shown below.
| Fund | Regular TER | Direct TER | Annual drag |
|---|---|---|---|
| SBI Bluechip Fund | 1.42% | 0.62% | ₹3,840 |
| HDFC ELSS TaxSaver | 1.50% | 0.75% | ₹3,150 |
| Kotak Balanced Advantage | 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.
Compliance Audit
2 of 3 folios with issuesDetails
Compliance Audit
2 of 3 folios with issuesSBI Mutual Fund
Folio 7721/03
HDFC Mutual Fund
Folio 4456/88
Kotak Mahindra MF
Folio 2209/11
Your SIPs
Inferred from CAS transaction history
Active monthly
₹13,000
Fund Returns
AI InsightDetails
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% | |||
Category averages | |||||
| Large Cap Fund | +13.1% | +11.4% | |||
| ELSS | +14.8% | +12.9% | |||
| Aggressive Hybrid Fund | +9.2% | +8.8% | |||
CAGR sourced from mfapi.in historical daily NAV; refreshed weekly. Category averages computed from all Direct+Growth funds in the same SEBI category.
AI Narrative
Priya'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 if Sold Today
AI Insight| Fund | Gain | LTCG tax |
|---|---|---|
| SBI Bluechip Fund | ₹1,10,000 | ₹0 |
| HDFC ELSS TaxSaver | ₹70,000 | ₹0 |
| Kotak Balanced Advantage | ₹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.
AI Wealth Insights for Family Portfolio
Combined analysis across the household — gaps, overlap, and areas to review.
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 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 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% 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
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
- 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 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.
- 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.