BYLD
WEALTH
Build Your Lifestyle & Destiny
SEBI RIA Reg. No: INA000014252 · AMFI ARN: ARN-149832
Investment advisory services by BYLD Wealth Management Pvt. Ltd.
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WEALTH
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Analyzing Your Profile
Calculating your BYLD Risk Score...
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CALCULATING
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Your Profile Dimensions
Model Allocation

Analyzing your risk profile...

AI-generated insight · Not personalized financial advice
MIA's analysis is AI-generated and indicative. Your risk profile and asset allocation are starting points — your dedicated advisor will review and customize these based on a comprehensive understanding of your financial situation.
Investor Profiles
9:41
Account Aggregator
Secure, consent-based data sharing

To build your complete financial picture, we'll connect your accounts using India's Account Aggregator framework — regulated by RBI, consent-based, and fully secure.

Your data is never stored by the AA — it's passed directly to BYLD with your permission.

RBI Regulated Licensed under RBI's Account Aggregator Master Directions
End-to-End Encrypted Data travels encrypted; AA cannot read your financial data
You Control Consent Revoke access anytime from the AA dashboard
Discover Accounts
Finding your financial accounts across FIPs
Discovering your accounts...
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Confirming ownership via OTP
SBI
OTP sent to your SBI registered mobile +91 98XXX XX90
Linked 0 of 4 FIPs
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Sahamati-compliant consent artefact
Consent Details
FIU (Data Requester) BYLD Wealth Management Pvt. Ltd.
Purpose To generate insights based on your overall finances and provide incidental recommendations
Data Types
  • Savings/Current Accounts
  • Mutual Funds
  • Equities/ETFs
  • Fixed Deposits
  • Insurance
  • NPS/EPF
  • Credit Score
Consent Duration 1 year from date of approval
Fetch Type Periodic
Data Fetch Frequency ≤45 times/month (per CT008)
Data Life 1 month (re-fetched periodically)
Purpose Code 102 — Personal Finance
Consent Modes Profile, Summary, Transactions
RBI Account Aggregator Framework
This consent adheres to RBI Account Aggregator Master Directions and the Digital Personal Data Protection Act (DPDP) 2023.
Fetching Your Data
Securely retrieving via AA gateway
Connecting to AA gateway...
Fetching bank accounts & FDs...
Fetching mutual funds (CAMS + KFin)...
Fetching equities & ETFs (NSDL)...
Fetching insurance & pension (NPS/EPF)...
Building your wealth picture...
Some accounts couldn't be linked
We couldn't fetch data from 1 FIP (ICICI Bank). This may be due to a temporary issue. You can retry or continue with partial data.
Successfully linked:
✓ HDFC Bank (Savings + FD)
✓ SBI (Savings)
✓ CAMS (12 Mutual Funds)
✓ NSDL (7 Equities)
✗ ICICI Bank — Timeout
3 Bank Accounts & 2 FDs
12 MF Folios
7 Equities & ETFs
2 Insurance Policies
LIC + Star Health policies linked
NPS & EPF synced via PFRDA
782 ExcellentCredit Score
Your Wealth Health Score
0
out of 100
0
Risk
0
Cost
0
Overlap
0
Goals
0
Behavior

Analyzing your financial data...

Your Wealth X-Ray
A snapshot of where your money sits today
Net Worth Composition
42%
28%
18%
8%
4%
Equity ₹4.58L
Debt ₹3.05L
Real Estate ₹1.96L
Gold ₹0.87L
Cash ₹0.45L
Quick Wins
Consolidate 4 overlapping MFs
Your large-cap funds have 68% portfolio overlap. Merging into 2 funds saves expense ratio.
Save ₹12,400/yr in fees
Tax-loss harvest 2 positions
Two equity holdings show short-term losses that can offset your gains this FY.
Potential tax saving ₹8,200
Rebalance to target allocation
Equity is 7% over target weight. A small rebalance aligns risk with your profile.
Reduce portfolio risk by 12%
Emergency fund gap detected. Your liquid reserves cover only 2.1 months of expenses. SEBI guidelines recommend at least 6 months.
Your wealth is well-diversified across 5 asset classes, but the emergency fund gap needs attention first. Fixing the 3 quick wins above can save you ₹20,600/yr and reduce overall portfolio risk.
Complete Your Picture

The Account Aggregator captured your financial accounts. Do you have any other assets or liabilities I should include for an accurate picture?

Add Assets
Real Estate
Vehicle
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Unlisted Shares
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Crypto
Agriculture
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Other Loans
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9:41
Choose Your Path
Based on your profile, we recommend:
Why Direct Plans Matter
Stop Paying Hidden Commissions
Regular plans charge 1-1.5% extra annually in distributor commissions. That compounds into serious money.
Money You Lose Over 10 Years
₹0
on your current regular MF holdings
Direct Plans
₹0
Regular Plans
₹0
With BYLD Wealth, your ₹0 in regular MFs switch to direct automatically — you keep the difference.
BYLD Wealth
SEBI RIA Advisory
From ₹3,650/yr
Fee-only advisory. We earn from your subscription — not commissions.
  • Direct plans (lower expense ratios)
  • Personalized Investment Policy Statement
  • Wealth Health Score + rebalancing
  • Tax optimization & harvesting
SEBI RIA Reg. No: INA000014252
BYLD Markets
Distribution
Free • Commission
Commission-based. Regular plans — no advisory fee.
  • Insurance (Ditto) + Loans
  • PMS / AIF + FD (Blostem)
  • No advisory · Regular plans only
BYLD One
₹3,650 / yr + GST
MF Advisory
1,000 AI Credits
Direct Plans
  • Net worth dashboard & financial ratios
  • Insurance gap analysis
  • Portfolio rebalancing alerts
  • Tax-loss harvesting suggestions
  • AI insights (basic) — 1,000 MIA credits/yr
  • DIY transactions (Direct Plans)
  • Annual wealth health snapshot
  • Email + in-app support
BYLD Legacy
₹36,500 / yr + GST
Full Advisory
Monthly Calls
eWills
  • Everything in Edge, plus estate planning
  • Dedicated relationship manager
  • 10,000 MIA AI credits / year
  • Real estate portfolio checkup
  • Custom asset allocation strategy
  • Family balance sheet consolidation
  • Succession & estate planning (EazyLegal)
  • White-glove onboarding
Launch offer: ₹29,999 for 3 years
Why BYLD?
1
Zero Commissions, Zero Conflicts
We're a SEBI-registered RIA — we earn from your subscription, not from product commissions. Your advisor's incentive is your growth, not a sales target.
2
MIA: Your 24/7 Wealth Analyst
An AI analyst trained on 10,000+ AI credits of market data, tax rules, and your own financial profile. Ask anything — portfolio review, tax harvesting, or "should I buy this fund?"
3
Direct Plans Save You Lakhs
Regular plans silently charge 1-1.5% extra in distributor commissions every year. Over 10 years on a ₹50L portfolio, that's ₹8-12L you never see. BYLD switches you to direct automatically.
4
One App, Complete Financial Life
Mutual funds, PMS, AIF, insurance gap analysis, FD booking, tax planning, eWills, loans — all through one unified interface. No more juggling 7 different apps.
5
Built for India's HNI Families
Family wealth consolidation, Finvu Account Aggregator for real-time portfolio sync, SEBI/AMFI compliant advisory, and estate planning via EazyLegal — designed for families managing ₹50L+.
Welcome to BYLD Wealth!
Your onboarding is complete. Your dedicated wealth advisor will reach out within 24 hours.
9:41
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73
V
Good afternoon
Net Worth
--Cr
▲ ₹2.3L this month
▲ ₹1.24Cr  +12.4% YTD
Investments
₹1.82Cr
+12.4% YTD
Savings
₹28.5L
FD + Liquid + Cash
Liabilities
₹38.5L
Home + Personal
Others
₹42.0L
Property + Gold
MIA Advisory
New Opportunity
Action
Refinancing your home loan from 9.2% → 8.5% could save you ₹3.8L over the remaining tenure. Also, increasing your monthly SIP by ₹5,000 accelerates your retirement corpus by 2 years.
AI-generated insight · Not personalized financial advice
Asset Allocation
-- ›
--
Total Assets
Equity
64%
Debt
18%
Cash
2%
Others
16%
Portfolio Performance
Details ›
1D
1W
1M
3M
1Y
5Y
ALL
Indexed to 100 · Feb 2021 – Feb 2026
Portfolio
Nifty 500
Invested
₹8.42L
Cost basis
Value Now
₹10.91L
MTM
Gain
+₹2.49L
+29.6%
Alpha
+4.2%
vs Nifty
XIRR vs Benchmark
▸
Monthly Commitments
▸
Insurance Coverage
₹84,700/yr ›
Life Insurance
LIC Jeevan Anand
₹50L
₹24,000/yr
Health / Mediclaim
Star Health Family
₹25L
₹18,500/yr
Term Insurance
HDFC Click2Protect
₹1.5Cr
₹14,200/yr
Vehicle Insurance
ICICI Lombard
Comprehensive
₹28,000/yr
Total Annual Premium ₹84,700
Financial Goals
4 Active ›
Child Education
Target 2030 · 4 years remaining
68%
₹34L / ₹50L
️
Retirement Corpus
Target 2040 · 14 years remaining
42%
₹2.1Cr / ₹5Cr
Emergency Fund
6 months expenses · Always active
85%
₹8.5L / ₹10L
New Car
Target 2027 · 1 year remaining
30%
₹6L / ₹20L
Upcoming Reminders
3 items
05
Apr
SIP Auto-Debit
₹25,000 across 5 SIPs via MFU Central
15
Apr
Insurance Renewal
Star Health Family Floater · ₹18,500 premium via Ditto
30
Apr
Goal Review Due
Quarterly review of Child Education & Retirement goals
Wealth Health
72
/ 100

Good Health

Above average. Focus on reducing debt to reach 80+.

Savings 8/10
Investing 9/10
️ Insurance 7/10
Debt 5/10
Goals 8/10
9:41
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Portfolio
₹47.66L
Invested
₹36.8L
Current
₹47.66L
Gain
+₹10.86L
XIRR
18.4%
Mutual Funds
HDFC Flexi Cap Direct
★★★★★
₹4.10L
+28.1%
Invested ₹3.20L · Growth Direct
DIRECT
Axis Bluechip Regular
★★★★
₹3.00L
+20.0%
Invested ₹2.50L · Growth Regular
REGULARSwitch to Direct?
SBI Small Cap Direct
★★★★★
₹2.30L
+53.3%
Invested ₹1.50L · Growth Direct
DIRECT
Equities
Reliance Industries
50 shares · NSE
₹7.90L
+10.9%
HDFC Bank
100 shares · NSE
₹1.62L
+11.7%
Infosys
75 shares · NSE
₹1.14L
+10.1%
Fixed Income
EPF (EPFO)
Employee Provident Fund
₹18.50L
@ 8.25% p.a.
NPS (PFRDA)
Moderate allocation
₹8.20L
Moderate
Fund Overlap Alert
HDFC Flexi Cap & Axis Bluechip share 43% holdings in common (HDFC Bank, Reliance, ICICI Bank). Consider consolidating for better diversification.
MIA Advisory
Switch Axis Bluechip from Regular to Direct — saves ₹12,000/yr in expense ratio difference. I can initiate the switch for you.
Portfolio X-Ray
Powered by Morningstar
Style Overlap
Large Cap
42%
Mid Cap
28%
Small Cap
18%
Others
12%
Sector Concentration
Financial
32%
Technology
22%
Consumer
16%
Geographic Exposure
India
96%
United States
4%
9:41
●●●●5G▮▮▮
Invest
Top Rated Funds
HDFC Flexi Cap Direct
★★★★★
Moderate-High
1Y
18.7%
3Y
15.2%
5Y
14.8%
AMFI ARN: ARN-149832
Axis Bluechip Direct
★★★★
Moderate
1Y
14.2%
3Y
12.8%
5Y
12.1%
AMFI ARN: ARN-149832
SBI Small Cap Direct
★★★★★
High
1Y
24.5%
3Y
19.1%
5Y
17.4%
AMFI ARN: ARN-149832
Fund Details
9:41
●●●●5G▮▮▮
More
Manage your wealth, insurance & account
Financial Planning
Core advisory tools for your wealth journey
Goals
Track & plan goals
Insurance
Gap analysis
Loans
Eligibility & EMI
Tax Centre
80C, LTCG & harvesting
Calendar
SIP & EMI dates
eWills
Estate planning
Family Wealth
Consolidated view
Calculators
SIP, EMI, Goals & more
Investing
Products & opportunities
Baskets
Curated MF baskets
FD Booking
Blostem FDs
PMS / AIF
Alternative investments
Credit Cards
Smart recommendations
Account
Settings, reports & support
Reports
Holdings & tax reports
Settings
Profile & security
Referral
Invite & earn
Help
FAQs & support
Tax Centre
FY 2025-26
Here's your tax overview for FY26. You have room to save more under 80C, and I've found a tax-loss harvesting opportunity.
Section 80C Investments
₹80,000 of ₹1,50,000
53%
₹80K invested ₹70K headroom
EPF (Employer PF)
₹50,000
ELSS Mutual Funds
₹20,000
LIC Premium
₹10,000
Total 80C Used ₹80,000
₹1.2L
Total LTCG
₹45K
Total STCG
Per-Fund Gains Breakdown
HDFC Flexi Cap Direct Growth
LTCG · Held 2.3 yrs
+₹45,000
Parag Parikh Flexi Cap Direct
LTCG · Held 1.8 yrs
+₹38,000
Mirae Asset Large Cap Direct
LTCG · Held 3.1 yrs
+₹37,000
ICICI Pru Bluechip Direct
STCG · Held 8 mo
+₹45,000
Axis Bluechip Regular Growth
LTCG · Held 1.4 yrs
−₹8,000
Running Total
+₹1,57,000
Estimated Tax Liability
LTCG Tax (10% above ₹1L)
₹2,000
STCG Tax (15%)
₹6,750
Total Estimated Tax
₹8,750
Long-Term Capital Gains
Equity gains this year
₹1,20,000
Exempt (Sec 112A)
First ₹1L exempt from tax
−₹1,00,000
Taxable LTCG
Taxed at 10% without indexation
₹20,000
Estimated LTCG Tax ₹2,000
Short-Term Capital Gains
Equity gains (<12 months)
₹45,000
Estimated STCG Tax @ 15% ₹6,750
MIA Tax-Loss Harvesting Tip
Sell Axis Bluechip Regular Growth (unrealised loss of ₹8,000) to offset your LTCG. This could reduce taxable LTCG to ₹12,000 and save ₹800 in tax.
Payment Calendar
March 2026
Total outflow this month
₹80,000
M
T
W
T
F
S
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1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
SIP
Loan EMI
Insurance
Other
Upcoming This Week
HDFC Mid-Cap Opportunities
5 Mar · SIP auto-debit
₹5,000
SIP
Axis Bluechip Fund
5 Mar · SIP auto-debit
₹3,000
SIP
Home Loan EMI — SBI
15 Mar · Auto-debit via NACH
₹42,000
EMI
LIC Premium — Endowment
18 Mar · Manual payment
₹12,000
Insurance
Personal Loan EMI — ICICI
25 Mar · Auto-debit via NACH
₹18,000
EMI
Your total outflow this month: ₹80,000. SIPs account for 10%, EMIs for 75%. Next SIP on 5th April.
Goals
What are you saving for? Let me help you plan.
Active Goals
Retirement
Target ₹5Cr by 2048 · SIP ₹15K/mo
42%
Child Education
Target ₹50L by 2035 · SIP ₹8K/mo
68%
Emergency Fund
Target ₹6L · Liquid Fund
85%
New Car
Target ₹15L by 2028 · SIP ₹5K/mo
30%
Open Calculators Hub →
Calculators
Plan smarter with these tools. Pick a calculator to get started.
SIP Calculator
Monthly SIP → future corpus
›
Lumpsum
One-time → maturity value
›
EMI Calculator
Loan EMI & total interest
›
Goal Planner
Target → required SIP
›
Retirement
Corpus needed & SIP required
›
Education
Inflation-adjusted cost & SIP
›
SIP Calculator
Monthly Investment₹10,000
Expected Return12%
Duration5 years
FUTURE VALUE
₹8.25L
Invested: ₹6.00L · Wealth gained: ₹2.25L
Lumpsum Calculator
Investment Amount₹1,00,000
Expected Return12%
Duration5 years
MATURITY VALUE
₹1.76L
Invested: ₹1.00L · Wealth gained: ₹0.76L
EMI Calculator
Loan Amount₹50L
Tenure20 years
Interest Rate8.5%
MONTHLY EMI
₹43,391
Total interest: ₹54.14L · Total payment: ₹1.04Cr
Goal Planner
Target Amount₹50L
Timeline10 years
Expected Return12%
REQUIRED MONTHLY SIP
₹21,740
Total invested: ₹26.09L · Returns: ₹23.91L
Retirement Calculator
Current Age30
Retire At60
Monthly Expenses₹50,000
Inflation6%
RETIREMENT CORPUS NEEDED
₹5.74Cr
Monthly SIP required: ₹24,580 (at 12% returns)
Education Planner
Child's Age5
Education At Age18
Current Cost₹20L
Education Inflation10%
FUTURE COST OF EDUCATION
₹47.35L
Monthly SIP required: ₹20,280 (at 12% returns, 13 yrs)
Insurance
Let me understand your insurance needs better. I'll ask a few quick questions to give you a personalized gap analysis.
Family Details
Based on your profile and AA data, here's your insurance gap analysis:
Life Cover Gap
Current
₹50L
Recommended
₹1.5Cr
Gap: ₹1Cr under-covered
Health Cover Gap
Current
₹10L
Recommended
₹25L
Gap: ₹15L under-covered
Coverage Summary
Life Cover (Current)
₹50L
Health Cover (Current)
₹10L
Annual Premium
₹18,500
Dependents Covered
3 members
Next Renewal
15 Aug, 2026
Based on your gaps, here are my top 2 recommendations:
MIA Recommends
Term Life Insurance
Cover the ₹1Cr life cover gap
Cover Amount₹1 Crore
Est. Premium₹8,500 – ₹12,000/yr
TermTill age 60
Top PicksHDFC Click 2 Protect, ICICI iProtect
Health Super Top-Up
Cover the ₹15L health gap
Cover Amount₹15 – 25 Lakh
Deductible₹10L (your existing cover)
Est. Premium₹4,000 – ₹7,000/yr
Top PicksStar Health, Care Supreme
Book a Free Consultation
Speak with a Ditto insurance advisor for unbiased recommendations. No commissions, no pressure.
Loans
What type of loan are you looking for? I'll check your pre-eligibility based on your financial profile.
Loan Type
Based on your AA data, you could refinance your home loan from 9.2% → 8.5%, saving ₹3.8L over the remaining tenure.
Loan Profile
Existing Home Loan
₹42L outstanding
Current Rate
9.2% p.a.
Remaining Tenure
15 yrs
Monthly EMI
₹43,391
CIBIL Score
782 (Excellent)
Open EMI Calculator →
Reports
Holdings Report
›
Transaction Report
›
Capital Gains Report
›
Tax Statement
›
Settings
Profile
Name
Vivek
Email
vivek@byld.in
Phone
+91 98765 43210
Family Members
Priya Kumar
Spouse
Add Family Member
Consolidate family wealth for a complete picture
Relation
Family Invites
V
Vivek Kumar
PRIMARY ACCOUNT HOLDER
Active
Invite a family member to view your portfolio
Security
App PIN
****
Biometric Login
Notifications
SIP Reminders
Drift Alerts
Weekly Insights
Plan & Billing
Current Plan
BYLD One
Support
Help & Support
Open Freshdesk ›
Compliance
⚖
SEBI RIA Status
Registered Investment Adviser
● Active
Registration No.
INA000XXXXXX
Valid Until
31 Mar 2029
Principal Officer
Vivek Kumar
DPDP Compliance
Digital Personal Data Protection Act 2023
● Compliant
Consent Collected
Yes
DSR Enabled
Yes
Grievance Officer
compliance@byldwealth.com
Account Aggregator (Finvu)
AA Data Fetch via FIFactor
● Active
Consent Status
Active
Last Data Refresh
24 Mar 2026
FI Types Linked
MF, Bank, Insurance
AMFI ARN
Mutual Fund Distribution
● Active
ARN Number
ARN-XXXXXX
Valid Until
31 Mar 2027
Manage Consents
AA Data Sharing (Finvu)
Last updated: 24 Mar 2026
Marketing Communications
Last updated: 15 Jan 2026
MIA AI Processing
Last updated: 24 Mar 2026
Third-party Data Sharing
Last updated: 10 Feb 2026
Legal
Family Wealth
Family Net Worth
₹2.34 Cr
+₹18.6L (+8.6%) this year
Members
VK
Vivek Kumar
Self (Primary)
₹1.09 Cr
46.6%
PK
Priya Kumar
Spouse
₹82.4L
35.2%
AK
Aarav Kumar
Child
₹42.6L
18.2%
Combined Asset Allocation
38%
24%
22%
10%
6%
Equity
Debt
Real Estate
Gold
Cash
Family Goals
Dream Home
Vivek & Priya
₹1.2 Cr
Aarav's Education
Aarav (2032)
₹45L
Early Retirement
Vivek (2040)
₹3.5 Cr
Referral
Refer & Earn
Share your referral code and earn 1 month free for each successful signup.
BYLD2026VK
Help & Support
How can I help? I can answer questions about your portfolio, explain features, or connect you with our support team.
eWills (EazyLegal)
I can help you create a legally valid Will online through our partner EazyLegal. It takes about 15 minutes and is fully digital.
Secure Your Legacy
Legally valid eWill · Digital witnesses · Safe custody
Credit Cards
Based on your spending profile, I can recommend credit cards with the best rewards. Let me connect you with our partner banks for pre-approved offers.
Smart Card Recommendations
Pre-approved offers · Best rewards match · No impact on CIBIL
Curated Baskets
Here are our curated baskets — theme-based collections built by our research team. Pick a theme that matches your conviction and invest in one tap.
EV & Clean Energy
India's electric vehicle and renewable energy revolution. Covers battery tech, EV manufacturers, solar, and charging infrastructure leaders.
5 stocks
1Y: +34%
Moderately High
Digital India
Riding the digital transformation wave. SaaS leaders, fintech platforms, cloud infra, and India's fastest-growing tech exporters.
5 stocks
1Y: +28%
Moderate
Banking Leaders
India's top private and PSU banks with strong NIMs, expanding credit books, and digital banking leadership. Stable earnings play.
4 stocks
1Y: +22%
Low to Moderate
Dividend Aristocrats
Companies with 10+ years of consistent dividend growth. Reliable income generators with strong free cash flows and low payout volatility.
6 stocks
1Y: +18%
Low
Fixed Deposits
Here are the best FD rates across banks. Compare and book directly via Blostem — fully digital, safe, and secure.
State Bank of India
7.10%
p.a.
Tenure: 1–3 yrs
Min: ₹10,000
HDFC Bank
7.25%
p.a.
Tenure: 1–5 yrs
Min: ₹5,000
ICICI Bank
7.00%
p.a.
Tenure: 1–3 yrs
Min: ₹10,000
Bajaj Finance
7.40%
p.a.
Tenure: 1–5 yrs
Min: ₹15,000
Shriram Finance
8.10%
p.a.
Tenure: 1–5 yrs
Min: ₹5,000
Rates as of Mar 2026 · Booked via Blostem · DICGC insured up to ₹5L per bank
PMS / AIF
Explore curated PMS and AIF strategies from India's top fund managers. Min ₹50L for PMS, ₹1Cr for AIF.
PMS for you View
Flexi Cap
Motilal Oswal - Value Migration
24.8%
1Y CAGR
Large Cap
Marcellus - Consistent Compounders
18.2%
1Y CAGR
Mid & Small Cap
Carnelian Capital - Shift Strategy
-3.52%
1Y CAGR
Flexi Cap
W WealthEdge - Growth Strategy
28.77%
1Y CAGR
AIFs for you View
CAT III
Flexi Cap
Abakkus Flexi Edge Fund I
CAT III
Flexi Cap
Carnelian Bharat Amritkaal Fund II
CAT III
Multi Cap
ValueQuest India Inflexion Fund
CAT III
Multi Cap
Motilal Oswal Founders Fund VII
9:41
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Reference Number
BYLD2026032401234
Welcome to BYLD One
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MIA
Your Financial Co-Pilot · Online
BYLD Edge · 4,287 credits
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Net Worth ₹11.39Cr · XIRR 18.4% · SIP ₹25K/mo · Health 74
9:41

Start SIP

HDFC Flexi Cap Direct Growth
★ ★ ★ ★ ★
5Y Return 14.8%
Risk Moderate-High
Category Flexi Cap
AMFI ARN: ARN-149832
₹
₹2K
₹5K
₹10K
₹25K
1st
5th
10th
15th
Enable Step-up
Increase SIP annually
At ₹5,000/month, you'll reach ₹14.1L in 15 years (12% CAGR)
✓
Matches your Growth risk profile
✓
Adds diversification to your MF mix
⚠
Overlap with Axis Bluechip: 43% (HDFC Bank, Reliance common)
Tax Preview
Equity fund · LTCG exempt up to ₹1L gains/year · 10% above ₹1L

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. SEBI Registration No. INA000014252.

Order Summary
Fund HDFC Flexi Cap Direct Growth
SIP Amount ₹5,000
SIP Date 5th of every month
First Debit 5th April 2026
Your first SIP of ₹5,000 will be debited on 5th April 2026 via MFU Central
SIP Started!
SIP of ₹5,000/month started on HDFC Flexi Cap Direct
Order Status
Processing
Order ID
ORD-20260326-00000
Type
SIP
Amount
₹5,000
NAV Date
T+1
Track Order →
HDFC Flexi Cap Direct Growth
★ ★ ★ ★ ★
5Y Return 14.8%
Risk Moderate-High
Category Flexi Cap
AMFI ARN: ARN-149832
₹
₹10K
₹25K
₹50K
₹1L
₹5L
₹50,000 invested today at 12% CAGR = ₹1.55L in 10 years
✓
Matches your Growth risk profile
✓
Adds diversification to your MF mix
⚠
Overlap with Axis Bluechip: 43% (HDFC Bank, Reliance common)
Tax Preview
Equity fund · LTCG exempt up to ₹1L gains/year · 10% above ₹1L

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. SEBI Registration No. INA000014252.

Investment Placed!
₹50,000 invested in HDFC Flexi Cap Direct Growth
MFU Ref: MFU-2026032514827
Order Status
Processing
Order ID
ORD-20260326-00000
Type
Lumpsum
Amount
₹50,000
NAV Date
T+1
Track Order →
9:41
Investment Policy Statement
SEBI RIA · INA000014252
Client Snapshot
Risk Profile
Growth
Time Horizon
Long-term (10+ yrs)
Primary Goal
Wealth Creation
Secondary Goal
Capital Stability
Client
—
BYLD Score
—
Key Parameters
SEBI RIA Registration
INA000014252
Advisory Fee
1.0% p.a.
Review Frequency
Quarterly
IPS Effective Date
25 Mar, 2026
Rebalancing Trigger
±5% drift
Portfolio Objective
To achieve long-term capital appreciation while managing downside risk in line with the client's risk tolerance and time horizon.
Strategic Asset Allocation
Rebalancing Policy
Annual review conducted by your dedicated BYLD advisor
Automatic alert when any allocation deviates by ±5% from target
MIA monitors drift daily and recommends systematic transfers
Risk Controls & Concentration Limits
Diversification across all major asset classes
No single mutual fund exceeds 10% of total portfolio (15% for index/liquid funds)
Liquidity buffer maintained for 6 months of expenses
Fund Limits by Type
Equity Mutual FundsMax 8-10%
Debt Mutual FundsMax 10-12%
Index Funds / ETFsMax 12-15%
Liquid / OvernightMax 15-20%
PMSMax 25-30%
AIF (Cat II/III)Max 20-25%
Direct Equity (single stock)Max 5-7%
Review & Suitability
Reviewed annually or upon major life events (marriage, child, retirement, inheritance)
Updated risk profile overrides previous IPS automatically
Schedule Quarterly Review
Next review: June 2026
This IPS is auto-generated based on your SEBI-mandated risk profiling.
It serves as a guideline — your dedicated advisor will customize it.
BYLD Wealth Management Pvt. Ltd. · SEBI RIA: INA000014252
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