From a SEBI-registered Investment Adviser

Free mutual fund portfolio analysis

Link your mutual funds once, with your consent. Genvest checks every fund against its category, shows where several funds do the same job and lists the ones in regular plans, so you know what to look at first.

Get your free checkupSee a sample report
  • SEBI Reg. No. INA000018382
  • Linked through Account Aggregator or MF Central
  • No CAS upload, no passwords
  • No commission on any fund
Genvest Mutual Fund Analysis card for a 15-fund demo portfolio worth ₹26.9 lakh with a 14.7% XIRR: no category leaders, 7 funds below average or poor against their category, and all funds on direct plans
Demo portfolio. Figures are illustrative.

What the analysis checks

Six checks run on every linked portfolio. Each one points to a decision you can make yourself.

  1. Funds that lag their category

    Each fund is compared with the average of its category over three years and placed in a band: category leader, in-line, below average or poor.

  2. Several funds doing one job

    Three flexi cap or three large cap funds often run similar portfolios. The category breakup counts your funds in each category, so duplicates stand out.

  3. Commission in regular plans

    Regular plans pay a distributor commission out of their expense ratio. The fee check lists every fund you hold in a regular plan.

    What the commission costs over time →

  4. How your money is spread

    The category breakup shows how the portfolio splits across large cap, mid cap, debt and other categories, which is where concentration hides.

    Check concentration without the app →

  5. Your actual return

    XIRR across all your funds, counting each SIP instalment and lump sum on the date it was invested.

    How XIRR works →

  6. A report on every fund

    Open any fund for its performance, holdings, risk analysis and Genvest AI score, so you can see why it was flagged.

A sample report

Screens from a demo portfolio in the Genvest app. Figures are illustrative.

Genvest mutual fund overview for a 15-fund demo portfolio: value ₹26.9 lakh, invested ₹22.1 lakh, XIRR 14.7%, all funds on direct plans, and a breakup across 7 categories
Portfolio overviewValue, gain and XIRR, the fee-leak check, and how many funds you hold in each category.
Genvest fund-quality card for the demo portfolio: no category leaders, 6 funds in-line, 5 below average and 2 poor over three years
Fund qualityWhere each fund stands in its category over three years, from category leader to poor.
Risk-adjusted quality section of a Genvest fund report showing Sharpe 0.4, Sortino 0.6 and Calmar 0.7
Inside a fund reportEach fund report adds risk-adjusted measures: Sharpe, Sortino and Calmar ratios.

From download to first checkup

  1. Install Genvest

    Download the app on Android or iPhone and sign up.

  2. Link your funds

    Give consent through Account Aggregator or MF Central. Genvest fetches your folios across fund houses; there is no statement to upload.

  3. Read your checkup

    See every flag in one place, open any fund for detail and decide what to do. Your investments stay in your own folios.

Before you switch a fund

Moving from a regular plan to a direct plan, or out of a fund you no longer need, is a redemption. Capital gains tax and exit load can apply, so check both first. How to switch from regular to direct

Advice without commission

Genvest is a SEBI-registered Investment Adviser (INA000018382). Advisers cannot take commission from fund houses, so the analysis has no reason to favour one fund over another.

Adviser vs distributor: what changes · How to verify a SEBI registration

Free to start

The checkup is part of the free plan. If you want a plan built for you, Pro (₹1,499 a year) adds a personalised investment plan, a quant-driven mutual fund portfolio and rebalancing guidance.

Start free

Questions, answered

Is Genvest's mutual fund portfolio analysis free?

Yes. The portfolio checkup is part of Genvest's free plan: link your funds and see which ones lag their category and what your portfolio has returned. Paid plans add a personalised investment plan and rebalancing guidance.

How does Genvest get my mutual fund data?

With your consent, through the Account Aggregator framework or MF Central. Genvest fetches your folios across fund houses, so there is no statement to upload and no password to share.

Is it safe to link my mutual funds?

Account Aggregator is an RBI-regulated consent framework. Each consent states what data is shared, for what purpose and for how long, and you can revoke it. It shares data only; it gives no access to move money.

How does the analysis decide a fund is underperforming?

It compares each fund's return with the average of its category over three years and places the fund in a band: category leader, in-line, below average or poor. A fund can lag for a while for reasons that do not call for selling it, so treat the band as a prompt to look closer.

Does Genvest check overlap between my funds?

It checks overlap by category: if you hold three flexi cap funds or three large cap funds, the category breakup shows it. It does not compare the individual stocks inside each fund.

Should I switch my regular plans to direct plans?

The direct plan of the same scheme usually costs less because it carries no distributor commission. But a switch is a redemption and a fresh purchase, so capital gains tax and exit load can apply. Check both before you switch.

Does Genvest earn commission on the funds it suggests?

No. Genvest is a SEBI-registered Investment Adviser (INA000018382) and takes no commission from fund houses. It earns from the subscription fees of its paid plans.

Related guides

See what your own portfolio looks like.

Get your free checkup

Screens show a demo portfolio; figures are illustrative and not a recommendation. Investments in securities market are subject to market risks. Read all related documents carefully before investing. Registration granted by SEBI, enlistment with IAASB and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.