Portfolio Management
Portfolio Health Calculator
Instantly score your mutual fund portfolio's health across 5 dimensions: diversification, risk balance, cost efficiency, liquidity, and concentration. Free India portfolio analysis tool.
Your Funds
Total: 100% ✓
Portfolio Health Score
7.7/10
Diversification
7.7/10
Risk Balance
7.3/10
Cost Efficiency
7.6/10
Liquidity
8.5/10
Health Dimensions
Get this calculated on your actual portfolio
Get a real health score on your actual portfolio — not a manual estimate. Upload your CAS to FundSageAI for a full automated portfolio health report.
What is Portfolio Health Calculator?
The Portfolio Health Calculator gives your mutual fund portfolio a health score from 1–10 across five dimensions: Diversification (are you spread across asset classes?), Risk Balance (is equity/debt mix appropriate?), Cost Efficiency (are you in low-cost direct/index funds?), Liquidity (can you access funds quickly?), and Concentration (are any single funds too large a share?). Enter your fund types and allocation percentages to get an instant health diagnosis. This is a simplified educational tool — FundSageAI computes a more precise score from your actual CAS statement.
How to use this tool
Add each fund with its category (Large Cap Index, Mid Cap, Debt Fund, etc.) and allocation %.
Ensure allocations sum to 100% for accurate scoring.
View the Health Score out of 10, dimension scores, radar chart, and health alerts.
Address any red-flag alerts first (sector concentration, excessive small-cap, etc.).
The Formula
Health Score = Weighted average of dimension scores (out of 10): - Diversification (30%): based on asset class spread and HHI - Risk Balance (20%): large-cap anchor presence - Cost Efficiency (25%): estimated expense ratio - Liquidity (15%): redemption timeline of fund categories - Concentration (10%): HHI of individual fund weights
Key Terms
- Portfolio Health Score
- A composite score (1–10) measuring the overall quality and suitability of a mutual fund portfolio across multiple risk and return dimensions.
- HHI (Herfindahl-Hirschman Index)
- A measure of concentration: sum of squared market shares. Lower HHI = better diversification. A portfolio of 5 equal funds has HHI = 0.2; a single-fund portfolio has HHI = 1.0.
- Expense Ratio
- The annual fee charged by a mutual fund as a percentage of AUM. Direct plans: 0.1–1.5%. Regular plans: 0.5–2.5%. Lower is better for investor returns.
- Tracking Error
- For index funds, the deviation of fund returns from the benchmark index. Lower tracking error = more faithful index replication.
Key Benefits
- ✓Quick sanity check on whether your portfolio is structured correctly.
- ✓Identifies red-flag patterns: too many funds, sector concentration, zero debt buffer.
- ✓Radar chart shows which dimensions need the most improvement.
- ✓Acts as a starting point before a deeper SEBI-RIA advisor review.
Practical Example
Portfolio: 40% Large Cap Index + 20% Mid Cap + 15% Small Cap + 20% Debt + 5% Gold Health Score: 8.2/10 Diversification: 9/10 (good spread) Risk Balance: 9/10 (solid debt buffer) Cost Efficiency: 9/10 (index-heavy → low ER) Liquidity: 9/10 (all open-ended funds) Concentration: 7/10 (small cap at 15% — acceptable)
FundSageAI Dashboard
Do more with your real portfolio data
- 1Automated portfolio health score from CAS data
- 2Fund overlap analysis across all holdings
- 3AI-powered improvement suggestions
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Common Questions
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These calculators use assumptions.
Your portfolio uses facts.
Upload your CAMS or KFintech CAS statement to get real XIRR, true corpus values, actual fund overlap, and personalised insights — all pre-filled with your data.