Most mutual fund investors never review whether their portfolio is actually working for them. After 20 years of writing about personal finance, I built a free AI tool to fix that — and it takes less than 60 seconds. I have been writing about personal finance and mutual funds for over 20 years now. One thing I keep hearing from readers is — “Suresh, I have been investing in mutual funds for years, but I honestly don’t know if my portfolio is good or bad.”
That is a very common problem. Most of us invest regularly, but we never really sit down and review whether we are investing in the right funds, whether our funds are overlapping, or whether our portfolio even matches our goals. So I built something to help with this — the AI Mutual Fund Portfolio Analyser — a free tool on myinvestmentideas.com that gives you a complete analysis of your mutual fund portfolio in about 60 seconds.
Let me walk you through what it does, how to use it, and what kind of report you can expect.
Why I Built This Tool
Every few days I get emails / comments on this blog from readers sharing their fund lists and asking me to review them. I love helping, but I can only do so many reviews personally.
I thought — what if there was a tool that could do the basic analysis automatically? Something that checks your allocation, compares your returns to Nifty 50, tells you if your funds are overlapping, and gives you a simple health score?
That is exactly what this tool does. It uses AI to read your portfolio and give you a structured report — the kind of analysis a financial advisor might walk you through in a paid consultation.
And it is completely free to try now.
The tool is live at: myinvestmentideas.com/mutual-fund-portfolio-analyser/
What Does the Tool Analyse?
The tool generates a report across 7 sections:
1. Risk Level Are you taking more or less risk than your stated appetite?
For example, if you said “Moderate” but 60% of your money is in small cap and sectoral funds, the tool will flag that.
2. Where Your Money Is Invested A visual donut chart showing how your money is split across large cap, mid cap, flexi cap, gold, debt, and other categories — along with whether each category is within the ideal range for your risk profile and goal.
3. How Does Your Portfolio Perform? Your portfolio’s 1-year, 3-year and 5-year returns compared to Nifty 50 and category averages. Fund-by-fund returns are also shown, with a “vs benchmark” column so you can see which funds are actually earning their keep.
4. Do Your Funds Overlap? This is one of my favourite sections. Many investors hold 8-10 funds thinking they are diversified, but actually hold the same stocks across multiple funds. The tool shows you which fund pairs overlap and which stocks are repeated.
5. Does This Match Your Goal? Whether your current portfolio actually suits your stated goal — wealth creation, retirement planning, or something else.
6. Is This Right for Your Age? A quick check on whether your allocation makes sense given your age and investment horizon.
7. Will It Beat Inflation? Your real returns after inflation — shown as a projection chart so you can see what your money actually grows to in purchasing power terms.
Beyond these 7 sections, the tool also gives you:
- A Behavioural Guidance section with simple do’s and don’ts personalised to your portfolio
- A Points to Consider section with actionable observations
- A Portfolio Health Score out of 10 with a breakdown of how it was calculated
How to Use the Tool — Step by Step
It takes less than 2 minutes. Here is how:
Step 1 — Upload your portfolio or enter fund names manually
You can either type your fund names and amounts directly, or upload a CSV/Excel export from Kuvera, ET Money, MF Central, KFintech, Groww, or Zerodha Coin.
If you upload a file, the tool automatically reads your fund names, invested amounts, and current values from it.
Step 2 — Fill in your investment profile
Tell the tool your investment goal (wealth creation, retirement, etc.), time horizon in years, risk appetite, and optionally your age and monthly SIP amount. This helps the AI personalise the analysis to your situation.
Step 3 — Click Analyse My Portfolio
The AI takes about 30-40 seconds to generate the full report. You will then see the complete 7-section analysis with charts, tables, and your Health Score.
Step 4 — Print or save as PDF
There is a Print / Save as PDF button at the bottom. Use your browser’s print dialog and select “Save as PDF” to keep a copy.
What the Report Looks Like
Here are some actual screenshots from a sample analysis:
As you can see, the report is visual and easy to read. You do not need a finance background to understand it.
What Makes This Different?
There are several portfolio trackers out there — Kuvera, MF Central, Value Research. They all do a good job of showing you your returns.
But this tool goes further:
- It compares your returns to Nifty 50 and your category benchmark — not just shows raw numbers
- It identifies overlapping stocks across your funds with actual stock names and percentages
- It gives Behavioural Guidance — this is something you will not find in any tracker. It tells you things like “do not stop your SIP when markets fall” based on your specific portfolio
- It shows your real returns after inflation — because what matters is not just the absolute number but how much purchasing power you are actually building
- It gives a Health Score with full justification — you know exactly why you scored what you scored
Who Should Use This?
- Anyone who has been investing in SIPs for more than 1 year and has never done a formal review
- Investors with 5 or more funds who want to check if they are truly diversified or just holding the same stocks in different wrappers
- Anyone who chose funds based on past returns and is not sure if they still make sense
- New investors who want to understand if their initial fund selection is on the right track
A Note on Data Privacy — Please Read This Before Uploading
I want to be completely transparent about this before you use the tool.
What happens to your data? When you type fund names or upload a file, that data is sent to the AI (Claude by Anthropic) to generate the analysis. The tool does not store your portfolio data on myinvestmentideas.com servers permanently. Once your session ends, the data is not retained by us.
What columns do platform exports typically contain?
Here is a quick guide to what common platform exports include — and what to watch out for:
| Platform | Typically included in export | Sensitive columns to remove |
|---|---|---|
| Kuvera | Fund name, units, NAV, current value, invested amount, folio number | Folio number |
| ET Money | Fund name, units, NAV, current value, invested amount, folio number | Folio number |
| MF Central / CAMS / KFintech | Fund name, units, NAV, current value, folio number, investor name, PAN (sometimes) | Folio number, investor name, PAN |
| Groww | Fund name, units, NAV, current value | Usually safe as-is |
| Zerodha Coin | Fund name, units, NAV, current value | Usually safe as-is |
What is a folio number and why does it matter? Your folio number is a unique account number assigned by the AMC (like HDFC Mutual Fund or SBI MF). It is not as sensitive as your bank account number, but it can be used to verify your ownership of mutual fund units. Out of caution, I recommend removing the folio number column before uploading.
What you should NEVER upload:
- Bank account numbers or statements
- Credit card or debit card details
- PAN card or Aadhaar number
- Net banking passwords or login credentials
- Full CAS (Consolidated Account Statement) from CAMS or KFintech that includes PAN and personal details
The safest approach: Before uploading, open the file in Excel and simply delete any columns you are not comfortable sharing — folio number, your name, PAN, email, phone. The tool only needs fund name, invested amount, and current value to generate the analysis. Everything else is optional.
Alternatively, use the “Enter Manually” tab and just type in your fund names and current values — no file upload needed at all.
By using this tool, you acknowledge that:
- The analysis is generated by AI and is for educational purposes only
- You are voluntarily sharing portfolio data with the AI to generate this analysis
- You have reviewed and agree to the Privacy Policy of myinvestmentideas.com
- myinvestmentideas.com is not responsible for any sensitive information you choose to include in uploaded files
Important Disclaimer
This tool is for educational and informational purposes only. It does not constitute investment advice. myinvestmentideas.com is not a SEBI-registered investment advisor.
The analysis gives you observations and points to consider — not recommendations to buy or sell any fund. Please consult a SEBI-registered financial advisor (RIA) before making any investment decisions.
Past performance of any fund shown in the analysis is not indicative of future results.
Try It Now
The tool is live at: myinvestmentideas.com/mutual-fund-portfolio-analyser/
It is free to use. Upload your portfolio or type in a few fund names and see what your Health Score is. I would love to hear what you think — drop a comment below with your score!
