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.

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.

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 (Consolidated Account Statement) PDF imports, CSV imports, and even screenshot-based portfolio import using AI-powered OCR.

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 Glossary — Learn 50+ Investment Terms

Learn essential mutual fund and investment terms with interactive visual examples and charts.

NAV (Net Asset Value): The per-unit market value of a mutual fund scheme. Calculated as (Total Assets − Liabilities) ÷ Number of Units outstanding.
XIRR (Extended Internal Rate of Return): 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.
CAGR (Compound Annual Growth Rate): The mean annual growth rate of an investment over a specified time period longer than one year, assuming profits are reinvested.
Sharpe Ratio: A measure of risk-adjusted return. Calculated as (Fund Return − Risk Free Rate) ÷ Standard Deviation. Higher Sharpe ratio means better risk-adjusted performance.
SIP (Systematic Investment Plan): Investing a fixed amount in mutual funds at regular intervals (usually monthly) to benefit from rupee cost averaging and compounding.
Expense Ratio: Annual fee charged by the fund house as a percentage of AUM. It covers fund management, administrative, and operational costs. Lower is better for investors.
AUM (Assets Under Management): The total market value of all investments managed by a mutual fund scheme. Higher AUM generally means more investor confidence.
Alpha: The excess return of a fund compared to its benchmark index. Positive alpha means the fund manager has added value beyond market returns.
Beta: A measure of a fund's volatility relative to the market. Beta > 1 means more volatile than the market, Beta < 1 means less volatile.
Max Drawdown: The maximum observed loss from a peak to a trough before a new peak. It measures the worst-case scenario risk for an investor.
VaR (Value at Risk): The maximum expected loss over a given time period at a given confidence level. For example, 95% VaR of 5% means you can expect a maximum loss of 5% on 95% of trading days.
ELSS (Equity Linked Savings Scheme): Tax-saving mutual funds with a 3-year lock-in period that qualify for Section 80C deduction up to ₹1.5 lakh per year under the Income Tax Act.
Sortino Ratio: Similar to Sharpe Ratio but only considers downside deviation, making it more relevant for investors who care about losses rather than overall volatility.
Standard Deviation: A statistical measure of how much a fund's returns deviate from its average return. Higher standard deviation means higher volatility and risk.
SWP (Systematic Withdrawal Plan): The opposite of SIP — withdraw a fixed amount at regular intervals from your mutual fund investment. Popular for generating retirement income.

And 35+ more terms explained with interactive charts and visual examples

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