← Focused Advisory Services
Focused Advisory · Portfolio Audit
Portfolio X-Ray
You've been investing for years. But do you know what you actually own? We look inside every fund and stock you hold — uncovering overlap, hidden costs, concentration risk, and gaps your statements never show you.
💡
The average Indian investor holds 8–12 mutual funds and believes they are well diversified. In most cases, 60–70% of the underlying stocks are identical across those funds. You are paying multiple expense ratios for the same exposure — and your "diversification" is largely an illusion.
Sample findings from a real portfolio audit
68%
Stock overlap across 4 funds
1.4%
Avg expense ratio being paid
84%
Allocation in one sector
0.12%
Could be paying with direct plans
What a typical "diversified" portfolio looks like under the X-Ray
Illustrative example — 4 equity funds held by a single investor. Colour shows actual stock overlap.
Banking/financials overlap
Unique mid/small exposure
The four lenses we look through
🔁
Overlap and duplication
How many of your funds own the same stocks? Are you paying for diversification you do not actually have?
🧾
Cost drag
Total expense ratios, exit loads, distributor commissions — how much is silently leaving your portfolio every year?
⚠️
Concentration risk
Are you too heavy in one sector, one stock, or one asset class? What happens if that one thing falls 40%?
🎯
Goal alignment gaps
Is your portfolio actually structured for your goals and timeline — or is it a collection of unconnected decisions?
Signs you may need this
⚠ You hold more than 5 mutual funds but cannot explain why each one is there
⚠ Your portfolio was built fund-by-fund over years with no overarching structure
⚠ You are in regular (commission) plans and have never switched to direct
⚠ You have a mix of stocks, funds, and fixed deposits with no clear allocation logic
⚠ Your portfolio has never been reviewed since you first started investing
What you receive
- ✔ A complete stock-level overlap analysis across all your mutual funds
- ✔ Total cost audit — expense ratios, exit loads, commissions — with direct-plan savings quantified in rupees
- ✔ Sector and asset class concentration analysis
- ✔ A "keep / replace / exit" verdict for each fund or holding, with reasoning
- ✔ A proposed clean portfolio structure aligned to your goals and risk profile
- ✔ A written report with a 60-minute walkthrough call
What we need from you
📋 CAS statement (CDSL / NSDL)
🎯 Your financial goals
📅 Investment horizon
📈 Risk tolerance
🏦 Any PMS / AIF holdings
💰 Monthly SIP commitments
Your CAS (Consolidated Account Statement) can be downloaded free from CDSL or NSDL in under 2 minutes — it is the single document that makes this analysis possible.
This service is right for you if…
- ● You have been investing for 5+ years but have never done a structured review
- ● You suspect you are over-diversified but do not know how to simplify
- ● You are in regular (commission) mutual fund plans and want to know the true cost
- ● You have recently come into a lump sum and want to invest it into a clean, structured portfolio
- ● You want a fresh, objective view before your annual portfolio review
₹7,500
One-time · Report delivered in 5 business days · Includes 60-min advisory call
Book This Service →
🛡️ SEBI Registered · INA000022534
🚫 No fund commissions, ever
🔒 CAS data stays confidential