How is the ML fund score calculated?

The ML score (0-100) combines multiple factors: historical returns (1Y, 3Y, 5Y), risk metrics (standard deviation, Sharpe ratio, Sortino ratio, max drawdown), expense ratio, AUM trends, category-relative performance, and market news sentiment analysis.

What is XIRR and why does this tool calculate it?

XIRR (Extended Internal Rate of Return) is the most accurate way to measure your mutual fund portfolio's actual return, accounting for the exact dates and amounts of all your investments and redemptions. Unlike simple returns, XIRR handles SIP investments correctly.

How are the Top Funds selected?

Top Funds are selected using our ML scoring engine that evaluates funds across 22 categories. The scoring considers 10+ criteria including rolling returns consistency, risk-adjusted returns (Sharpe and Sortino ratios), expense ratios, AUM stability, and category-relative performance.

Mutual Fund Assessor — AI-Powered Portfolio Analysis for Indian Investors

Free AI-powered mutual fund analysis tool for Indian investors. Analyze your portfolio, get ML-based fund scores, risk assessment, SIP optimization, and personalized fund recommendations for 10,000+ AMFI-listed mutual funds.

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Our Tools

Portfolio Tracker — Track holdings with real-time NAV, XIRR, and import from Groww, Zerodha, Kuvera
Fund Explorer — Search & compare 10,000+ Indian mutual funds with detailed metrics
Portfolio Analysis — AI health check with diversification, sector analysis, stress testing, VaR
Recommendor — ML-powered fund suggestions, SIP optimization, behavioral insights, tax optimization
Top Funds — ML-ranked best mutual funds across 22 categories
Glossary — Learn 50+ financial terms with interactive charts and examples
Profile — Set financial goals, risk tolerance, and monthly SIP commitment

Key Features

ML-based fund scoring (0-100) across 10,000+ AMFI-listed mutual funds
Portfolio health check with overlap detection and diversification analysis
SIP budget optimization and financial goal tracking
Risk assessment with Sharpe, Sortino, VaR, CVaR, and max drawdown metrics
Stress testing with historical crisis scenario simulation
Market regime detection (Bull/Bear/Sideways)
Behavioral bias detection and tax optimization insights
AI-powered rebalancing suggestions and fund recommendations
Top funds ranked across 22 categories — Large Cap, Mid Cap, Small Cap, ELSS, Index, and more
Import portfolio from Groww, Zerodha, Kuvera, or CAS PDF statements
Interactive financial glossary with 50+ terms explained with charts

Frequently Asked Questions

How does the Mutual Fund Assessor analyze my portfolio?

The tool uses machine learning models to score each mutual fund on 10+ criteria including returns consistency, risk-adjusted performance (Sharpe/Sortino ratios), expense ratios, AUM stability, category performance, and market sentiment. Each fund gets a score from 0-100.

Is Mutual Fund Assessor free to use?

Yes, Mutual Fund Assessor is completely free. You can analyze your portfolio, get fund recommendations, track performance with XIRR, and receive AI-powered insights at no cost.

Which mutual funds are covered?

All 10,000+ mutual funds listed on AMFI (Association of Mutual Funds in India) are covered, including equity, debt, hybrid, ELSS, index funds, and sectoral funds from all major AMCs.

Can I import my portfolio from Groww, Zerodha, or Kuvera?

Yes, you can import your mutual fund portfolio from Groww, Zerodha, Kuvera, and other platforms. We support CAS PDF imports, CSV imports, and screenshot-based portfolio import using AI-powered OCR.

What categories are covered in Top Funds?

Top Funds covers 22 categories: Large Cap, Mid Cap, Small Cap, Flexi Cap, Multi Cap, Large & Mid Cap, ELSS, Value, Contra, Focused, Dividend Yield, Sectoral, Thematic, Index/Passive, International, Hybrid Balanced, Aggressive Hybrid, Conservative Hybrid, Arbitrage, Equity Savings, Dynamic Bond, and Liquid funds.