What we check
Four questions we ask of every fund in your list
We do not rank your funds by last year's return. A fund can top the charts and still be the wrong thing for you to own. These are the four checks, in the order we run them.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
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Overlap
Two large cap funds and a flexi cap fund often hold the same top 20 companies. You think you own three funds; you really own one, three times over. We compare the top holdings of each pair and flag any pair sharing more than about 40% of its money.
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Cost
We list the expense ratio of every fund, any exit load still running, and the tax you would pay if you switched today. Sometimes the right advice is to stop a SIP but leave the old units alone, because selling them costs more than it saves.
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Category fit
Is the fund doing the job its category says? A small cap fund held for 2 years, a sectoral fund making up a third of the money, a debt fund chosen for "high return": these are mismatches between the category and how it is being used.
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Goal fit
Money needed in 3 years for a flat down payment should not sit in mid cap funds. Money for retirement in 22 years should not sit in a liquid fund. We map each fund to a goal and a date, and point out the ones that have no goal at all.
What overlap looks like on paper
A made-up example of three equity funds held by one person. Company names are replaced with letters; the pattern is what we see most weeks.
| Top holding | Large cap fund 1 | Large cap fund 2 | Flexi cap fund |
|---|---|---|---|
| Company A (bank) | 9.1% | 8.7% | 7.9% |
| Company B (bank) | 7.6% | 8.2% | 6.4% |
| Company C (IT services) | 6.0% | 5.5% | 5.8% |
| Company D (energy) | 5.8% | 6.3% | 4.1% |
| Company E (telecom) | 4.2% | 3.9% | 3.6% |
| Shared with fund 1 | - | 61% | 48% |
Illustrative figures, not taken from any real scheme. What we would say here: keep one of the two large cap funds, keep the flexi cap fund, and move the third SIP to a category the portfolio does not yet have.
Why cost gets a whole check
One per cent a year is not small
Cost is the part of returns you can see in advance. Here is what a 1 percentage point difference in yearly net return does to ₹10 lakh left alone for 15 years.
- At 12% a year
- ₹54.7 lakh
- At 11% a year
- ₹47.8 lakh
- Gap after 15 years
- about ₹6.9 lakh
12% and 11% are assumed rates for illustration, not a forecast for any fund. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.
Before we suggest any switch
- Is an exit load still running? Many equity funds charge 1% if units are sold within a year of purchase.
- Will the sale be short term or long term for tax? Equity gains after 12 months are taxed at 12.5% above ₹1.25 lakh a year; gains within 12 months at 20%.
- Is the old fund actually bad, or only "not the top fund this year"? The second is not a reason to sell.
- Can a new SIP fix the mix without selling anything? Often it can.
Tax figures: rules as of 2026, check current rules before acting.
What you send us
Ten minutes of your time. Nothing that gives anyone access to your money.
Your consolidated account statement
The CAS is a single PDF listing every mutual fund folio under your PAN. You request it yourself by email from the registrar websites, choose "detailed", and forward the PDF. Password protected is fine; tell us the password on a call, not in writing.
Your list of running SIPs
Fund category, amount and date. A screenshot of your bank's auto-debit list works if you are not sure which SIPs are still live.
Three lines about goals
What the money is for and roughly when: "child's college in 2034", "retire at 55", "house down payment in 3 years". Rough is fine.
Optional: other savings
PPF, EPF, fixed deposits, term and health cover. Not needed for the fund review, but it changes what we suggest.
We never ask for OTPs, net banking logins, app passwords or card details. If anyone claiming to be us does, it is not us.
A sample review, trimmed
Salaried, 34, two children. Seven funds, ₹14,800 a month in SIPs, about ₹6.2 lakh invested. Goals: children's education in 12 years, retirement at 58.
| Fund (category) | Monthly SIP | Verdict | Why |
|---|---|---|---|
| Large cap fund 1 | ₹3,000 | Keep | Core holding, low cost, held 5 years. |
| Large cap fund 2 | ₹2,000 | Stop SIP | 61% same stocks as fund 1. Leave existing units, no exit load but no need to sell. |
| Flexi cap fund | ₹2,500 | Keep | Does the job of the category. Becomes the main retirement SIP. |
| Small cap fund | ₹2,500 | Reduce | Fine for a 12-year goal, too large a share at 17% of SIPs. Cut to ₹1,500. |
| Sectoral fund (technology) | ₹1,800 | Stop SIP | Started after a good year, no goal attached. Already in your large cap funds. |
| ELSS | ₹2,000 | Keep | Still useful only if you file under the old tax regime. Check this with your CA. |
| Credit risk debt fund | ₹1,000 | Switch | Chosen for yield. Move new money to a short duration or liquid category for the emergency fund. |
After the changes
- Funds with live SIPs
- 5 (was 7)
- Monthly SIP total
- ₹14,800 (unchanged)
- New SIP added
- Index fund, ₹3,800 for education goal
- Units sold
- None
Things outside the funds
- No term cover. At a ₹14 lakh salary with two children, we would look at ₹1.5 to 2 crore of cover.
- Emergency money sits in the savings account. Three months of expenses in a liquid fund would do.
- Next review: same month next year, or earlier after any big change.
A fictional example to show the format. Categories only, no scheme names. Your note will look different. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.
After you get the note
You decide. We just make it easy to act.
- A 20-minute call to go through the note line by line and answer the "why".
- You choose what to change. Doing nothing is also a valid answer.
- If you want help, we handle the SIP stops, new SIPs and paperwork. If not, the note is yours to use anywhere.
- Once a year we run the same four checks again, so the portfolio does not drift back.
Questions
Before you send your statement
Anything else, ask on WhatsApp. A person replies, usually the same working day.
Is the review really free? What is the catch?
There is no fee for the review. We are an AMFI-registered mutual fund distributor, so if you later choose to invest through us, we earn the commission the fund house pays distributors. If you take the note and act on it elsewhere, that is fine too.
Do I need to hold a large portfolio to ask?
No. Two funds and a ₹1,000 SIP is enough to check. Small portfolios often benefit most, because fixing the mix early is cheap.
Will you tell me to sell everything and start fresh?
Rarely. Selling triggers tax and sometimes exit loads. Most of our notes stop or reduce a few SIPs and start one or two new ones, and leave existing units where they are.
Can you review funds bought through a bank, an app or another distributor?
Yes. The CAS lists every folio under your PAN, wherever it was bought. Every holding shows up and we review all of it.
Is my data safe with you?
We use the statement only for your review, do not share it, and delete the file on request. A CAS shows holdings, not access: nobody can buy or sell with it.
Do you also look at insurance policies?
If you send them, yes. We check whether term and health cover are enough for your income and family, and flag money-back or endowment plans that mix insurance with saving, so you can decide with full information.
Free portfolio review
Start with three details
Fill this in and WhatsApp opens with your message ready. We reply with the email address to forward your CAS to, and the written note follows within 2 working days of receiving it.
- No fee, no obligation to invest through us
- Written note you keep
- No OTPs or logins, ever
Related
Pages that pair with a review.