Here's what MF Gyan would tell you about a real portfolio.
You've grown ₹2.00 L into ₹3.43 L — a gain of ₹1.43 L (+71.4%). Over the last 5 years, this mix has outpaced the Nifty 50 by 8.3 percentage points.
5 funds matched. All numbers below are descriptive — MF Gyan does not tell you what to buy or sell.
Your active picks beat a plain Nifty 50 index fund by 6.0% over 5 years. We rolled your current unit counts back to 08-11-2021 to get the starting value, then compared against the same rupees invested in UTI Nifty 50 Index Fund on that date. Descriptive comparison — not a suggestion.
Your portfolio at a glance
Four descriptive ratings — Risk, Diversification, Cost efficiency, Concentration. No recommendations, just what your portfolio looks like today.
Expect meaningful ups and downs — normal for equity-heavy mixes.
Your money is spread across several categories — swings in any one hurt less.
You're on Direct plans throughout — no distributor commission is eating into returns.
44% sits in one fund. If it stumbles, your portfolio feels it hard.
Your mix fell 17.1% at its worst.
This is the worst peak-to-trough fall your current holdings would have experienced together if you'd owned them through that period. Real historical data, not a simulation. Being mentally ready for these dips is what separates people who compound long-term from people who panic-sell.
Implied CAGR: 8.0%
Computed from your current holdings rolled back 5 years. Past pace doesn't guarantee future pace — markets move in cycles.
What we noticed (2)
That fund is UTI Nifty 50 Index Fund - Direct Plan - Growth. Holding a large share in one fund concentrates your exposure to that fund manager's decisions.
You are avoiding distributor commissions on all funds. Direct plans typically return 0.5-1% more per year than Regular plans.
Where your money is
By category
By fund house
If you'd held this exact mix for the last 5 years
We take your CURRENT holdings and roll them back — using your current unit counts and historical NAV — to show how this specific mix would have moved. Compared to the Nifty 50 (via UTI Nifty 50 Index Fund) as a neutral reference. Descriptive simulation, not a prediction.
Your holdings
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This analysis is descriptive only. It is not investment advice. Consult a SEBI-registered adviser before acting on anything you see here.