CompoundX Portfolio X-Ray
See inside the funds you already own.
Add your mutual-fund holdings and see how they’re spread, where they concentrate and where they double up. Plain arithmetic on what you enter — nothing guessed.
- A few minutes
- No PAN, folio or bank details
- Nothing saved until you choose
Two ways in
Type your holdings, or fill in the template and upload it. Either way, you can review every row before the X-Ray runs.
We never ask for PAN, folio or bank details. What you type stays in this browser until you upload or save. Uploaded files are stored privately and removed under our retention policy (currently 90 days).
Your holdings
0 holdingsTotal entered ₹0
Your X-Ray appears here
01What you get
Six views, one portfolio.
Every figure comes from the holdings you enter, with the method one click away. Where an analysis would need data we don’t have, X-Ray says so instead of estimating.
Asset allocation
How your money splits across equity, debt, hybrid and other SEBI category groups.
Category mix
Each SEBI category’s share — large cap, flexi cap, liquid, arbitrage and the rest.
Fund-house concentration
How much sits with each AMC, with the concentration score explained in plain words.
Scheme concentration
Your largest holdings, the top-five share and the “equivalent number” of schemes.
Duplication
Categories where you hold several schemes, and schemes entered more than once.
Invested vs today
Gain and absolute return — only for holdings where you enter what you invested.
02Method
How X-Ray works it out
The same formulas run in your browser and on our servers. Saved X-Rays are always recalculated on the server from the holdings you saved.
- Formula version
- 1.0.0
- Values
- As you enter them — no live NAVs
Each scheme’s share is its current value divided by the total. The same scheme entered more than once (for example in two folios) is added together, matched by name.
share = scheme value ÷ portfolio value
Categories follow SEBI’s scheme categorisation. Asset allocation groups them by the part before the colon — “Equity: Large Cap” counts as Equity. Holdings without a category show as Uncategorised; nothing is guessed from the scheme name.
Concentration uses the Herfindahl–Hirschman index: square each percentage share and add them up. 10,000 means everything is in one place; four equal parts give 2,500. The equivalent number is 10,000 divided by the index. Fund-house concentration uses only holdings with an AMC entered, and says how much of the portfolio that covers.
HHI = Σ (100 × share)² equivalent number = 10,000 ÷ HHI
A category is flagged when it holds two or more different schemes. It is a prompt to look closer, not a judgement — several schemes in a category can be deliberate.
Shown only for holdings with an invested amount. Absolute return compares value today with what went in; without purchase dates it is not annualised.
absolute return = (value today − invested) ÷ invested
Overlap between funds, sector and market-cap exposure and performance history need each scheme’s underlying holdings or price history from a verified source. Until that data is available, those sections say “Data unavailable for this analysis.”
03Questions
Good to know
Because it doesn’t need them. X-Ray works from scheme-level facts — the scheme, its fund house and category, and what it’s worth. Identity and account details would add risk without adding insight, so the editor never asks for them and the uploader skips such columns without reading them.
Those need each fund’s underlying holdings — the stocks and bonds it owns and their weights — from a verified source. Until that data is connected, X-Ray shows “Data unavailable for this analysis” rather than estimating.
Not yet. CAS files differ by issuer and are password-protected, and reading them unreliably would put wrong numbers in front of you. Most statements list the same few columns as our template, so copying them across takes a few minutes.
No. It is arithmetic on the holdings you enter: shares, concentration and duplication. It doesn’t rate schemes or suggest what to buy, sell or switch. If you’d like to talk it through, request a portfolio review.
04Keep exploring
Understand first. Invest second.
Terms to know
- Asset allocationHow you divide money across asset classes such as equity, debt, gold and cash — the biggest single driver of a portfolio’s risk and behaviour.
- DiversificationSpreading money across different investments so that a loss in any one of them has a limited effect on the whole portfolio.
- RebalancingBringing a portfolio back to its intended asset mix after market movements have pushed it away from target.
- Expense ratioThe yearly cost of running a mutual fund scheme, shown as a percentage of its assets and deducted from the scheme before NAV is published.
- Direct planThe version of a mutual fund scheme bought directly from the fund house, with no distributor commission and so a lower expense ratio.
- Regular planThe version of a mutual fund scheme bought through a distributor; its expense ratio includes the distributor’s commission.
Read next
Next step
Know what you own. Then decide what’s next.
Take the X-Ray into a fuller picture with the Wealth Lab, or talk it through with a CompoundX relationship manager — no obligation.