Frequently Asked Questions

FundSageAI is an AI-powered mutual fund analytics platform that helps retail investors track, analyze, and optimize their investments. It goes beyond simple tracking by providing deep diagnostics, health scoring, and actionable insights to improve your portfolio's performance.

Absolutely. We use enterprise-grade HTTPS/TLS encryption for all data transmission and secure cloud storage. We only read your CAS statement to build your dashboard—we cannot execute trades, and we never ask for your bank login credentials.

No manual entry is required. You simply upload your CAMS/KFintech Consolidated Account Statement (CAS) PDF. Our secure engine will automatically parse, categorize, and sync your entire transaction history in seconds.

General-purpose AI models are probabilistic—they predict text and are prone to hallucinations, especially with complex financial math. FundSageAI uses a deterministic financial engine tailored specifically to your unique risk profile, goals, and actual portfolio data. Additionally, sharing your financial statements directly with public LLMs poses significant data privacy risks. FundSageAI keeps your data walled off while utilizing AI safely for strict diagnostic insights.

Our AI engine evaluates your portfolio using over 50 data points, combined with your unique risk profile, age, retirement target, and specific financial goals. We consolidate these factors to give you a comprehensive health score and an actionable 'Next Steps' list to help you identify and fix inefficiencies in your portfolio.

FundSageAI's logic looks at the complete picture to generate data-driven insights. Rather than just tracking value, our engine focuses on finding structural inefficiencies—such as fund overlaps, asset allocation imbalances, having too many funds, risk exposure gaps, rolling returns, metrics like fund alpha, sharpe ratio, sortino ratio, PE ratio, PB ratio, beta, and high expense ratios. When surfacing potential insights, it performs a simulated cost-benefit analysis. This ensures that factors like potential tax outgo and exit loads are weighed against marginal gains in fund metrics, protecting you from tax-inefficient decisions. Please note that FundSageAI is an analytics platform, and these insights are for informational purposes only, not direct financial advice.

Yes! Our Ecosystem feature allows you to seamlessly aggregate multiple CAS statements under a single household view, giving you a unified, holistic picture of your family's overall wealth.

While automated sync via MF Central was possible in the past, the service has been discontinued for retail third-party apps due to strict SEBI compliance and associated cost factors. We are actively exploring compliant alternatives for the future.

Not at all. For long-term investors, daily price fluctuations do not alter your core asset allocation or the fundamental quality of your funds. Unless you are making major structural changes (huge redemptions or adding new funds), the net portfolio scoring remains accurate. Updating your CAMS statement quarterly is more than enough to keep your insights perfectly calibrated.