ParakhFolio

Welcome

What is ParakhFolio?

ParakhFolio is a mutual-fund portfolio intelligence platform for Indian investors and their advisors. Upload the statements you already have, and it tracks your returns, watches every fund against a target, plans goals, stress-tests the money, and explains the whole portfolio in plain language.

You don't enter anything by hand to get started — ParakhFolio reads holdings straight from a CAMS/KFintech, NSDL/CDSL, NJ Wealth, or broker statement, then enriches each fund with live NAV and fund data. Everything after that is one screen: returns, risk, tax, goals, and an AI assistant grounded strictly in the actual numbers.

Section 1

Who it's for — the two roles

Each feature below is tagged Investor Advisor Both telling you who it's for.

Section 2

Quick start — your first 10 minutes

Section 3

Quick start — your first 10 minutes

Section 4

The Dashboard Both

Your at-a-glance home the moment you sign in:

• Summary cards — total invested, current value, overall gain/loss, and how many funds sit below your target return.
• Performance tabs — portfolio value and returns over time, charted.
• Quick links into alerts and analysis.

You see your own single portfolio here.

Section 5

Uploading statements Both

ParakhFolio reads holdings automatically from documents you already have. Drop a file into Documents and it extracts fund names, folios, units, invested amount, current value and any SIP/SWP schedules — then matches each fund to live market data.

You can reprocess or delete any upload at any time. In-app how-to guides show exactly where to download each statement from its source portal.

Section 6

Portfolio analytics — the Health hub Both New

Once holdings are imported, the Portfolio tab opens on the Portfolio Health hub — everything visible at a glance, no scrolling to find it:

• Portfolio Health score — a single 0–100 score + letter grade, rolled up transparently from five pillars (Performance, Cost, Diversification, Risk fit, Habits) shown as bars. A descriptive summary of your own holdings — not advice — that renormalises if a pillar can't be measured yet.
• Insight tiles — a responsive grid where every analytic is a compact tile with its headline number + a colour status dot (green good / amber watch / red alert). Tap a tile and its full card opens inline; tap again to close.
• Category chips — Overview · Performance · Risk · Habits · Tax filter the grid to focus on one area.

Nothing here calls a paid AI or places a trade — it's all math on your own data; heavier cards (overlap, the risk questionnaire) run only when you open their tile. Every card cites its data source.

How the Health score is worked out (plain words)

A report card out of 100 (grade A–E) blending up to five things; only the parts we can measure are counted, and the score re-balances if one is missing:

• Performance — of the funds we can compare to an index, how many are beating it.
• Cost — low-cost direct plans (100) vs costlier regular/commission plans.
• Diversification — money spread out vs piled into one fund (bigger largest holding → lower).
• Risk fit — does the equity-vs-safe mix match the risk quiz? Counts only once the quiz is done.
• Habits — SIP discipline, cost-consciousness, patience, and focus.

Weighted average (Performance counts a little more) → grade: A 85+ · B 70–84 · C 55–69 · D 40–54 · E <40. It's a description, not advice or a prediction — and lifting a weak bar (e.g. direct plans, taking the risk quiz) is how you improve it.

Net worth & allocation New

• Net Worth — the complete picture in one place. Mutual funds and direct equity are live from holdings; add FDs, EPF/PPF, NPS, real estate, gold, bank balances, bonds, insurance and liabilities manually. Shows total assets − liabilities = net worth, with an asset-class breakdown.
  • Trend line — each visit snapshots today's net worth, so a trend builds automatically; a sparkline shows the change over time.
  • Edit any manual asset in place (pencil icon) as an FD matures or property revalues — or remove it.
  • Account-Aggregator auto-sync is scaffolded with an honest status; once live it will fetch bank / EPF / deposit balances automatically.
• Portfolio Overview — a consolidated donut + detail table, re-groupable by Schemes / Asset Class / Scheme Type / Sub-Type / AMC (and, on the advisor all-clients view, by Investor), each with Investments, Current Value, Unrealised Gain/Loss and Holding %, an All / MF / Stocks filter, and CSV export.
• Holdings table — units, invested, current value and returns per fund.

Performance & benchmarking

• Missed Gains New — the headline "what did drifting cost me?" card. For every fund with a valid category benchmark, it computes what that same money would be worth had it simply tracked the index, and sums the shortfall — an honest, illustrative "money left on the table" figure (labelled vs-index, not a guarantee).
• Return Attribution & Peers New — what drove the return: the top funds that contributed and those that dragged (in portfolio percentage-points and ₹), an attribution table by asset class, and a peer standing line. Per-fund contributions sum exactly to the absolute return.
• Benchmark comparison — each fund against its category index (e.g. a large-cap fund vs Nifty 50), with blended portfolio alpha.

Habits, risk & suitability

• Investor Behaviour Score New — grades habits, not just the portfolio: Automation & SIP discipline, Cost consciousness (direct vs regular plans), Patience (small-cap / sectoral trend-chasing) and Focus (clutter / duplicate funds). A 0–100 score with a letter grade, naming the biases it spots (Recency bias, Fee insensitivity, Over-diversification). Trade-timing signals unlock once a transaction statement is uploaded.
• Risk Profile & Suitability New — 8 quick SEBI-style questions set a risk category (Conservative → Aggressive) with a recommended equity band, then check it against how the money is actually invested — flagging more or less equity risk than the profile suggests, on an actual-vs-target bar.

Overlap, volatility, stress & tax

• Fund Overlap & Look-through — how much any two funds duplicate each other (overlap %), a diversification score, and the single stocks most exposed to across all funds. Plus sector exposure (look-through) and plain-language concentration warnings when a stock, the top-5, a sector, or a fund-pair grows too large. Coverage is shown honestly (Nippon India & SBI today, refreshed monthly; more AMCs over time).
• Volatility Health Check New — a value-weighted read of how bumpy the portfolio is: realized annualised standard deviation with a plain band (Low → Very High), the normal swing to expect in a typical year (≈1 SD), and a rough year (≈1.5 SD).
• Stress Test New — how the portfolio would have held up in past crashes (2008 GFC, COVID, a rate shock, a mid/small-cap bear), with ₹ drawdown and historical recovery time per scenario.
• Commission leak — the rupee cost of holding regular (commission-bearing) plans versus direct plans.
• Tax-loss & gain harvesting New — loss-harvesting candidates and headroom to book up to ₹1.25L of LTCG tax-free before 31 March (India has no wash-sale rule). Works at position level, and goes exact FIFO lot-level via Enter lots (key actual purchase lots per fund) or a detailed transaction statement. The card names the basis it used.
• Capital-gains export — a CSV of unrealised gains with Indian LTCG/STCG/slab tax applied for the current financial year.
• Model-portfolio compare Advisor — compare a client's actual asset-class mix against a saved model portfolio and see the drift per class, so rebalancing is a glance, not a spreadsheet.

Wealth Recap New

The Wealth Recap button in the portfolio header generates a shareable, "year-in-review"-style summary: biggest wealth creator, best-returning fund, asset mix and milestones — a friendly one-screen story built from the same verified numbers. Great to keep as a record.

Section 7

Shares — direct equities Both

If a statement includes directly-held stocks (via NSDL/CDSL or a broker CSV), the Shares tab adds:

• Holdings table with live prices (refreshable on demand).
• Concentration — the largest single-stock positions.
• Sector allocation — how equity is spread across sectors.
• Equity insights — a factual, descriptive AI read of concentration and sector tilts (descriptive only — no buy/sell calls, per SEBI norms).
• Account Aggregator link — consent-based live sync (rolling out).

Section 8

AI portfolio analysis Both

From the Analysis tab, run an AI review. ParakhFolio:

1. Computes the hard numbers itself — returns, CAGR, risk, quality checks — so the AI reasons over verified data, not guesses.
2. Adds goals and active macro factors as context.
3. Produces a recommendation for every fund (hold / increase / reduce / exit / switch), each with a confidence score, reasoning citing return vs threshold, and — for exits/switches — verified alternatives whose real 1-year return beats the fund you hold.
4. Gives an overall outlook and portfolio-level suggestions.

Fairer, smarter judging New

• Balanced-fund / STP aware — Balanced Advantage & Dynamic Asset Allocation funds (used to park a lumpsum and STP into equity) are set aside, and Conservative Hybrid / Equity Savings / Arbitrage funds aren’t judged against your equity target. No more false "underperformer" flags.
• Active-vs-index overlay — for large-cap-style funds, see what a low-cost index fund returned over the same year, and get the index offered as a "go passive" alternative when it won.
• What the experts say — a cited round-up of Value Research 5★ ratings, ET Wealth picks and named advisor views (CNBC-TV18 / Zee Business / ET Now / NDTV Profit) for your fund categories. Every item links to its source — information to verify, not our advice.

Section 9

Goals & projections Both

Plan what the money is for.

• Create a goal — type (retirement, education, home, car, trip, emergency, wealth creation, medical), target amount and target year.
• Target allocation — a rules engine sets a recommended equity / debt / gold split; override with sliders and ask "Why this?" for a plain-language rationale.
• Gap analysis — current holdings vs target, with the rupee gap per asset class.
• Projection — "will you get there?" New — a Monte-Carlo simulation (2,000 paths): a probability of success, a fan chart vs the target line, and live sliders for monthly SIP, annual step-up and amount already saved.
• Drawdown / decumulation New — on a retirement goal, model the spending phase: how long the corpus lasts at a chosen inflation-adjusted withdrawal, and the sustainable withdrawal it supports.
• Horizon Planner & a fresh proposed portfolio New — in the Health hub, set an investment horizon and see the fit, a rupee-level rebalance, an SWP income simulator, and a proposed portfolio (target mix + real funds) for that horizon, with a conservative / moderate / aggressive toggle.

Free Plan Builder (no login) New — at /plan, anyone can enter age, horizon and amount and instantly get a proposed portfolio, a Monte-Carlo growth projection, and an SWP income scenario — great to share with a prospect before they sign up.

Projections are illustrative, not guarantees.

Section 10

Ask AI — the portfolio assistant Both New

A chat that answers questions about the portfolio itself — grounded strictly in its holdings, returns, goals and macro context. It won't guess or pull outside numbers; if something isn't in the data, it says so. Ask things like:

• "Which funds are underperforming, and by how much?"
• "Is there overexposure to any one fund or category?"
• "How is this tracking against the goals?"
• "What happens to the goal if the largest SIP stops?"

The assistant describes and explains; it won't issue buy/sell instructions — for any action it points to a SEBI-registered adviser.

Section 11

Alerts Both

• Threshold breach — a fund's return falls below target for the check window; severity escalates if an active SIP is feeding a losing fund. Same-category alternatives are attached.
• Category reclassification New — if a held fund is officially reclassified by SEBI/AMFI, an alert prompts a review of whether it still fits its goal.
• Alerts appear in-app (with an unread count) and by email; checks run on a schedule.

Section 12

Fund Explorer Both

• Browse and search funds with live NAV and metadata.
• Fund detail — NAV history chart, category, expense ratio, risk metrics, plus:
  • Rolling returns New — 1/3/5-year rolling summaries (best / worst / average across every start date), a truer picture of consistency than one point-to-point number.
  • Style box New — where the fund sits by market-cap size (large → small / flexi / index / ELSS). Honest that the value↔growth axis isn't inferred.
• Below-threshold view — funds currently under the target return.

Section 13

Market analysis & macro Both

• Macro analysis — an AI read of current conditions (RBI policy, inflation, global factors, sector outlook), using live web search.
• Macro checklist Advisor — maintain the master list of macro factors; per investor, enable or disable individual factors so analysis is tailored.
• SIP intelligence — the SIPs view surfaces systematic plans and their health: which SIPs are compounding into underperformers, and where a step-up or switch would help.

Section 14

Advisor tools — households & models

• Combined dashboard across all your investors.
• Approve / adjust every AI recommendation before the client sees it.
• Per-investor thresholds and macro overrides.
• Households New — group related investors (e.g. a family) into a household for a combined view of everyone's assets, allocation and goals — so you advise the family, not just individuals.
• Model Portfolios New — build and save target asset-class models, then compare any investor against a model to see drift and drive rebalancing conversations.
• Shareable exports (capital gains, analysis) and a Wealth Recap per client.

Section 15

Install as an app (PWA) Both New

ParakhFolio installs like a native app on a phone or laptop — no app store:

• On Android / Chrome / Edge, tap the Install prompt (or browser menu → Install app). On iPhone / Safari, use Share → Add to Home Screen.
• It opens full-screen with its own icon, launches faster, and keeps already-loaded pages viewable if the connection drops.

Section 16

Settings & plans Both

• Return threshold — the annualised, pre-tax target each fund is judged against (per investor).
• Personal preferences and theme.
• Plans & payment — subscription tiers (Tracker, Insights, Family) billed monthly or annually, paid by UPI: you get a UPI link and reference code, and the account activates once paid. See the Pricing and Refunds pages for details.

Choose your AI model & bring your own key New

Under Settings → AI model & keys you control which AI powers your analysis:

• Pick your model — from OpenAI, Anthropic (Claude) and Google (Gemini). The free default (a fast, cost-effective model) runs on the app's key at no cost.
• Bring your own key — paste your own OpenAI / Claude / Gemini API key to unlock that provider's models with unlimited use billed to your account. Keys are verified on save, encrypted at rest, and never shown again.
• Free monthly allowance — app-key AI actions are capped monthly (a bar shows used / cap); hit the cap and you're prompted to add your own key. BYOK is never capped.
• Per-run switch — the Analysis screen has a model switcher to choose per run.

Your data (holdings, returns, goals — never PAN or bank details) goes to the chosen provider to generate analysis and is not used to train their models. The web-grounded Macro outlook follows your chosen provider too.

Section 17

Important notes & disclaimers

Every figure cites its source. Each analytics card shows where its numbers come from — NAV & fund data from AMFI / MFApi.in, underlying-stock weights from AMC monthly SEBI portfolio disclosures, live equity prices from Yahoo Finance — and clearly labels model assumptions (projections, stress shocks, missed-gains) as estimates, not guarantees.