Your equity allocation has drifted to 42% — 4% above your Growth target of 38%. I recommend rebalancing ₹2.4L from equity to debt.
✦
MIA — My Intelligent Analyst
3 New Insights
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.
Smart Nudges
View All ›
💰 Tax Saving
You have ₹1.2L in short-term gains. Booking losses in 2 underperforming stocks could save ₹18,000 in taxes.
Harvest Now →
🛡️ Coverage Gap
Your term cover is ₹1.5Cr but recommended for your income is ₹3Cr. Consider topping up.
Review Coverage →
⚡ Emergency Fund
Your liquid reserves cover only 2.8 months of expenses. Target is 6 months. Redirect ₹15K/mo?
Build Fund →
MIA Advisories
3 Active ›
📊
Asset Rebalancing
Equity 42% exceeds target by 4%. Move ₹2.4L to debt funds for optimal risk-adjusted returns.
Review Allocation →
🏠
Loan Refinancing
SBI is offering 8.5% home loan rates. Switching from 9.2% saves ₹3.8L over tenure.
Compare Rates →
📈
Benchmark Outperformance
Portfolio XIRR 18.4% vs Nifty 500 14.2%. Alpha of +4.2% sustained over 3 years.
View Performance →
Asset Allocation
₹12.84 Cr ›
₹12.84Cr
Total Assets
Equity
38%
Mutual Funds
26%
EPF/NPS
18%
Bonds
12%
US Stocks
4%
Cash
2%
Liabilities
₹1.45 Cr ›
₹1.45Cr
Total
Home Loan65%
Personal Loan35%
Debt / Asset Ratio
11.3% ✓ Healthy
🏠
Home Loan · SBI
9.2% interest · 18 years remaining
₹95L
EMI ₹42,000/mo
💳
Personal Loan · ICICI
11.5% interest · 3 years remaining
₹50L
EMI ₹8,000/mo
Total Monthly EMI
₹50,000
Debt/Asset Ratio
11.3%
Monthly Cash Flow
Mar 2026 ›
Inflows
₹2.8L
Salary + Dividends
Outflows
₹1.25L
EMI + SIP + Expenses
Net Surplus+₹1.55L/moHealthy ✓
Portfolio Performance
5 Years ›
Indexed to 100 · Mar 2021 – Mar 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
Your XIRR
0%
Annualised IRR
Nifty 500 TRI
0%
Benchmark
Alpha Generated+4.2% p.a.Outperforming ↑
All
1M
3M
6M
1Y
3Y
5Y
Monthly Commitments
₹25K
SIP / month
↑ 12% vs last year
Equity SIP
₹15,000
Debt SIP
₹10,000
Home Loan EMI
₹42,000
Personal EMI
₹8,000
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
Digit Comprehensive
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
🏡
Second Home
Target 2028 · 2 years remaining
81%
₹40.5L / ₹50L
✈️
Europe Holiday
Target Dec 2026 · 10 months left
55%
₹5.5L / ₹10L
Wealth Health Score
Details ›
0
/ 100
Growth Phase
Above average financial health. Focus: reduce debt burden and increase emergency fund to push score to 80+.