Mutual Fund Portfolio Analytics
See the full picture of your mutual fund portfolio. Track returns, XIRR, dividends, allocation and benchmark performance across your INDmoney and external mutual fund holdings.
What Mutual Fund Portfolio Analytics Shows You On INDmoney
Total Portfolio Value
See your invested value, current value, absolute returns and one-day movement in one place. Invested value shows how much money you put in, while current value shows what your units are worth today.
For example, two investors may both have a ₹10 lakh portfolio. But one may have invested ₹9.5 lakh, while the other invested ₹6 lakh over time. The current value is the same, but the return story is very different.
XIRR Tracking
Track your annualised return using XIRR, especially when you invest through SIPs or make multiple transactions over time. XIRR considers when each investment was made and how long it stayed invested.
For example, a ₹10,000 SIP made three years ago and a ₹10,000 SIP made last month cannot be judged the same way. XIRR adjusts for this timing difference and shows one return number.
Returns vs Benchmark
Compare your mutual fund portfolio with a benchmark to understand whether your returns are meaningful. A portfolio may show profit simply because the broader market has also moved up.
If your equity mutual fund portfolio has delivered 11% annualised return while the benchmark has delivered 14% over the same period, the portfolio may need a closer review.
Growth Breakdown
See how much of your portfolio value came from your own investments and how much came from returns. This helps separate money added by you from wealth created by the portfolio.
For example, two investors may both have a ₹8 lakh portfolio. But one may have invested ₹7.7 lakh, while the other invested ₹5.5 lakh. The current value is the same, but the growth created is very different.
Market Cap Allocation
Check how your portfolio is split across large-cap, mid-cap and small-cap exposure. This helps you understand whether your mutual fund portfolio is stable, balanced or more aggressive.
For example, a portfolio with high small-cap exposure may perform strongly during market rallies. But it can also fall more sharply during corrections. Market-cap allocation helps you see this risk clearly.
Sector Allocation
See how your money is spread across sectors like financials, technology, healthcare, energy and consumer businesses. This helps you spot concentration that may not be visible from fund names.
You may own a large-cap fund, a flexi-cap fund and an ELSS fund, but all three may still have high exposure to banking and financial stocks. Sector allocation helps you understand whether your portfolio is truly diversified.
Equity vs Liquid Split
Understand how much of your portfolio is in equity-oriented funds and how much is in liquid or lower-volatility funds. This helps you check whether your portfolio matches your investment timeline.
For example, money needed after 10 years may handle more equity exposure. But money needed next year may need more stability. This split helps you review that balance.
Dividend Tracking
Track dividend or IDCW income from your mutual funds in one place. This helps you see the income generated by your portfolio along with capital growth.
For example, if you hold payout-based fund options across multiple AMCs, dividend income can be hard to track separately. Portfolio Analytics brings it together and makes the details easier to review.
Track Funds From Any Broker For Free
Import mutual funds bought through other brokers, AMCs, banks or distributor platforms and track them with your INDmoney holdings.
Many investors start investing from one platform and then move to another. Over time, the portfolio gets scattered. One fund may be in an old broker app, another with an AMC, and new SIPs may be on INDmoney.
External fund tracking brings all of this into one view, so you are not mentally adding numbers across apps.
How to Use Mutual Fund Portfolio Analytics on INDmoney
View Your Full Portfolio
Start by viewing your INDmoney mutual funds and importing any funds held outside INDmoney. This brings your old broker, bank-held and AMC investments into one place so that you can review your full invested value, current value, returns and holdings together.
Check Returns With Context
Look at the current value, invested value, absolute return, and XIRR together, then compare performance against a relevant benchmark. This helps you understand not just whether your portfolio is in profit, but whether your funds are actually adding value
Review & Decide Action
Check your market-cap split, sector exposure, fund types and fund-wise performance. This helps you see if your portfolio is balanced, if any fund is dragging returns, or if you need to continue, rebalance, switch from regular to direct, or avoid adding another similar fund.
When Should You Review Your Mutual Fund Portfolio?
Review Every Quarter or Six Months
For most investors, a quarterly or half-yearly review is enough. This gives enough time for return and allocation trends to become visible.
A long-term SIP portfolio does not need daily action. But reviewing it every few months can help you check whether the portfolio is still aligned with your goal, benchmark and risk comfort.
Review After Big Market Moves
Sharp rallies and corrections can change the shape of your portfolio. If small-cap funds rise quickly, they may become a larger part of your portfolio than intended.
This does not mean you must immediately rebalance. It simply means you should check whether the portfolio has become more aggressive than planned.
Review When a Goal Gets Closer
The closer a goal is, the more important stability becomes. Money needed after 10 years can handle more volatility than money needed in the next 12 months.
For instance, an equity-heavy portfolio may work for a child’s education goal 8 years away. But if the fee payment is due next year, the same allocation may carry unnecessary risk.
Review Before Redeeming
Do not redeem a fund only because it is down for a few months. First check the fund’s role, benchmark performance, category performance, exit load and tax impact.
A fund may be weak because the entire category is going through a rough phase. That is different from a fund that has consistently lagged its benchmark and peers.
Hidden Risks Mutual Fund Portfolio Analytics Can Help You Spot
Too Many Similar Funds
Holding more funds does not always mean better diversification. Four different fund names may still lead to the same top stocks, same sectors and similar return behaviour.
You may hold a large-cap fund, flexi-cap fund, ELSS fund and focused fund, but if all of them are heavily invested in the same large-cap companies, your portfolio may only look diversified on paper.
High Mid-Cap or Small-Cap Exposure
Mid-cap and small-cap funds can add growth potential, but they also make the portfolio more volatile. The risk often becomes visible only when markets fall.
For example, if a rally increases your small-cap allocation from 20% to 40%, your portfolio may become more aggressive than you originally planned.
Sector Concentration
Sector concentration can build quietly. Your funds may have different names, but the underlying exposure may still be concentrated in one sector.
For example, many Indian equity funds may hold banks, NBFCs and financial services companies. If several of your funds have high financial-sector exposure, your portfolio may depend too much on one sector’s performance.
Hidden Weak Funds
A good overall portfolio return can hide weak individual funds. Strong performers may lift the total XIRR, while one underperforming fund quietly stays unnoticed.
For example, your overall portfolio may show a healthy XIRR, but one fund may have consistently underperformed its benchmark. Fund-wise analytics helps you identify which funds are contributing and which ones need review.
Frequently Asked Questions
XIRR is the annualised return of your mutual fund investments after considering the date and amount of every SIP, lumpsum investment and redemption.
It is useful because most investors invest at different times. A SIP made three years ago and a SIP made last month cannot be treated equally. XIRR adjusts for this timing difference.
Yes. Benchmark comparison is built into the analytics. You can see your portfolio's return plotted against the Nifty 50 for your holding period, so you know whether your funds are outperforming or underperforming the market
Invested value is the total amount you have actually put in. Current value is what those units are worth today at the latest NAV. The difference between them, shown as absolute returns, is your gain or loss.
INDmoney looks through your funds to their underlying holdings and groups them by market cap (large, mid, small) and by sector (financials, industrials, technology and others). This shows your true exposure, which a fund name alone does not reveal.
Yes. Import your external mutual funds from any broker or AMC and get the full analytics suite free, including XIRR, returns, allocation and benchmark comparison, unified with your INDmoney holdings.
Yes. All dividend (IDCW) income is tracked by fund and by period, so you can see the income your portfolio has generated and use it easily at tax time
Mutual fund portfolio analytics helps you understand your full mutual fund portfolio beyond just its current value. It shows how much you invested, what your portfolio is worth today, how much return you earned, where your money is allocated and how your funds compare with a benchmark.
So instead of only knowing “my portfolio is ₹8 lakh,” you can also understand whether you invested ₹7.5 lakh or ₹5 lakh, whether your SIPs are giving healthy returns and whether your money is spread properly.
Current value is the latest value of your mutual fund units based on the latest NAV. It tells you what your portfolio is worth today.
But current value alone does not show performance. If your portfolio is worth ₹5 lakh, the return story is very different if you invested ₹4.9 lakh versus ₹3 lakh.
In a SIP, every instalment is invested on a different date. The first instalment stays invested for longer, while the latest instalment may have been invested for only a few days or weeks.
A simple return number cannot handle this properly. XIRR converts all those instalments into one annualised return number for your actual SIP journey.
A fund’s published return is based on the fund’s NAV movement over a fixed period. Your XIRR depends on when you invested, how much you invested and whether you redeemed any amount.
So a fund may show a 1-year return of 15%, but your XIRR may be lower or higher depending on your actual SIP dates, lumpsum entries and holding period.
If your portfolio has Indian equity exposure, Nifty 50 can act as a broad market reference. It helps you judge whether your equity mutual funds are delivering meaningful returns for the risk you are taking.
A portfolio may show profit and still underperform the benchmark. Benchmark comparison helps you catch that.
Fund overlap happens when different mutual funds hold the same stocks. Some overlap is normal, but high overlap can reduce real diversification.
You may own five funds and feel diversified, but if all of them hold similar large-cap stocks, your actual exposure may still be concentrated.
You may own too many funds if several of them do the same job, hold similar stocks or do not have a clear role in your portfolio.
A good portfolio does not need the maximum number of funds. It needs funds that serve different purposes, such as long-term growth, stability, tax saving or short-term liquidity.
Yes. Before adding a new fund, you can check your existing market-cap allocation, sector exposure and fund categories.
If your portfolio already has high small-cap exposure, adding another small-cap fund may increase risk instead of improving diversification. Portfolio Analytics helps you see that before adding more funds.
Not always. High return should be seen along with risk, benchmark performance and allocation.
A portfolio may show high returns because it is heavily exposed to small-cap or sector funds. That may work in a rally, but it can also fall sharply during corrections. Portfolio Analytics helps you see the risk behind the return.
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