Cash Drag: ₹28.5L sitting idle
Impact: ₹1.7L/year opportunity cost
Fix →
Insurance Gap: ₹50L life cover shortfall
Critical
Your current coverage does not meet the recommended level based on your dependants and liabilities.
Review →
Tax Inefficiency: Regular MF in portfolio
Impact: ₹45K/year higher expense from regular plan commissions
Switch →
Low-Yield Debt: ₹15L in savings @3.5%
Opportunity to move to FD or short-term debt MFs earning 6-7%.
Move to FD/Debt MF →
Total potential savings
₹3.2L/year