How to Read Your Mutual Fund Portfolio Analysis
After uploading your CAS statement, MFPA generates a detailed portfolio analysis with returns, holdings, allocation, and timeline. Here's what each section means and how you can use it to evaluate your mutual fund investments.
Key Metrics — Portfolio Summary at a Glance
The four summary cards at the top give you an instant snapshot of your mutual fund portfolio health — total invested, current value, returns, and scheme count.
●Total Invested
The total amount of money you have put into your mutual fund schemes through purchases and SIPs. This is your cost basis — compare it against Current Value to see whether your portfolio has grown.
●Current Value
The present-day market value of all your holdings, calculated using the latest available NAV (Net Asset Value) for each scheme. This tells you what your portfolio is worth if you were to redeem everything today. NAVs are updated daily on business days.
●Total Returns
The absolute profit or loss (Current Value minus Total Invested), shown both as a rupee amount and a percentage. Green means your portfolio is in profit; Red means it is currently at a loss. The percentage tells you how much your total investment has grown or shrunk overall.
●Total Schemes
The number of unique mutual fund schemes you currently hold. This helps you understand how diversified or concentrated your portfolio is across different funds.
Portfolio Holdings — Scheme-wise Mutual Fund Breakdown
The most detailed section — a scheme-by-scheme breakdown of every mutual fund you hold, including XIRR, NAV, and gain/loss for each fund.
What each column means
Scheme — The name of the mutual fund. If you hold the same scheme across multiple folios (e.g., from different platforms), MFPA automatically combines them. Click the arrow to see individual folio details.
Units — The number of mutual fund units you currently hold in that scheme.
NAV — The latest Net Asset Value (price per unit) along with the date it was last updated.
Invested — The total amount you have invested in this scheme through purchases and SIPs.
Current Value — Units multiplied by latest NAV. This is what the scheme is worth today.
Gain/Loss — Current Value minus Invested. Green = profit, Red = loss.
Returns % — The absolute return percentage. A simple point-to-point return calculation.
XIRR — The annualized return accounting for the timing and amount of each transaction. This is the most accurate measure of your actual returns.
Sorting your holdings
Use the sort buttons above the table to quickly identify:
- • Your largest holdings — sort by Value (descending)
- • Your best-performing funds — sort by XIRR or Returns (descending)
- • Your worst-performing funds — sort by XIRR or Returns (ascending)
- • Where you have the most capital — sort by Invested (descending)
XIRR vs Returns %
Returns % is a simple calculation of how much your investment has grown. XIRR accounts for the timing of each transaction — a fund where you invested mostly recently will have a different XIRR than one invested years ago, even if the absolute return is the same. XIRR is the industry standard for evaluating mutual fund performance.
Asset Allocation — Mutual Fund Category Breakdown
Shows how your money is distributed across different mutual fund categories like Large Cap, Mid Cap, Small Cap, Index Funds, ELSS, and Debt — displayed as a doughnut chart and a table.
Category — Your schemes grouped by fund classification (e.g., Large Cap, Mid Cap, Small Cap, Flexi Cap, Index Fund, ELSS, Debt, Liquid, etc.)
Value — The current market value of your holdings in each category.
Allocation % — What percentage of your total portfolio is in each category. Hover over chart segments for exact figures.
How to use this for analysis
- • Check diversification — If one category dominates (e.g., 80% in Large Cap), consider whether that aligns with your risk appetite and goals.
- • Spot concentration risk — Heavy allocation to a single category means your portfolio is more sensitive to that segment's performance.
- • Debt vs Equity — Check how much is in equity categories versus debt categories to understand your overall risk profile.
- • Review periodically — Allocation can drift over time as some categories outperform others. Use this view to decide if rebalancing is needed.
Investment Timeline — FY-wise Investment Journey
Visualizes your complete mutual fund investment journey across financial years (April to March), showing yearly invested, redeemed, and net flow to help you track how your investments have evolved over time.
Summary cards
Total Invested — The total amount invested across all financial years, including in schemes that may have been fully redeemed.
Total Redeemed — The total amount withdrawn or redeemed across all financial years.
Net Investment — Total Invested minus Total Redeemed. The net capital still deployed in your portfolio.
Active Since — The first financial year you made a mutual fund investment.
Reading the chart
- ■ Green bars — Amount invested in each financial year.
- ■ Red bars — Amount redeemed in each financial year.
- — Blue line — Cumulative net investment (running total of invested minus redeemed over time).
A rising blue line means your net invested capital is growing. Green bars without matching red bars indicate years of pure accumulation.
Year-wise breakdown
Below the chart, click on any financial year to expand and see exactly which schemes you invested in or redeemed from during that period, including the number of transactions and amounts.
How to use this for analysis
- • Track investing discipline — Are you investing consistently year over year?
- • Spot patterns — Did you invest more during market corrections? Did you redeem during peaks?
- • Measure growth — The cumulative line shows how your total deployed capital has evolved over the years.
Tip: Get the complete timeline
When requesting your CAS from CAMS or KFintech, select "With zero balance folios" under Folio Listing. This includes funds you have fully redeemed, so the timeline captures your complete investment history. See download guide →
Don't have your CAS statement? Follow our download guide