Mutual Fund Analysis

Portfolio from Zerodha Coin04 Jun 2026, 07:12 ISTAMFI-standard analysis
Total MF Portfolio Value

₹12.19L

Invested ₹9.80L · +₹239K gain

Absolute return: +24.4%·5 active folios·Monthly SIP: ₹48,000
Avg Portfolio XIRR

17.9%

Nifty 500 XIRR: 16.8%

+1.1% alpha
Avg 3Y Alpha vs Category

+4.3%

Annualized excess return

1 fund need rebalancing

Active Folios

5 funds · Zerodha Coin · AMFI data

FundValueXIRR1Y Return3Y Return3Y AlphaTERRiskSignalSIP

Quant Small Cap

Quant Mutual Fund · Equity: Small Cap

Since Feb 2022

₹272K

inv ₹200K

24.8%
+31.2%

bm: 10.5%

+28.4%

bm: 16.3%

+12.1%0.62%Very HighOUTPERFORM₹10K/mo

PPFAS Flexi Cap

PPFAS · Equity: Flexi Cap

Since Jan 2021

₹284K

inv ₹220K

22.4%
+28.4%

bm: 21.2%

+24.1%

bm: 18.4%

+5.7%0.58%Very HighOUTPERFORM₹10K/mo

Mirae Emerging Bluechip

Mirae Asset · Equity: Large & Mid Cap

Since Mar 2021

₹198K

inv ₹160K

18.1%
+22.8%

bm: 19%

+19.4%

bm: 16.2%

+3.2%0.52%Very HighOUTPERFORM₹8K/mo

HDFC BAF

HDFC Mutual Fund · Hybrid: Balanced Advantage

Since Nov 2020

₹322K

inv ₹280K

14.8%
+16.2%

bm: 14.8%

+15.8%

bm: 13.4%

+2.4%0.72%ModerateMARKET-PERFORM₹15K/mo

Axis Small Cap

Axis · Equity: Small Cap

Since Jun 2021

₹143K

inv ₹120K

9.2%
+8.4%

bm: 10.5%

+14.2%

bm: 16.3%

-2.1%0.48%Very HighREBALANCE₹5K/mo
Total SIP: ₹48,000/monthTotal current value: ₹12.19L

Category Allocation

AMFI category breakdown

Flexi Cap
23.3%
Large & Mid Cap
16.3%
Small Cap
34.0%
Balanced Advantage
26.4%

Rolling 1Y Returns

All funds vs Nifty 500

Portfolio Overlap Analysis

Redundant fund identification — reduce hidden concentration

1 high-overlap pair
PPFAS Flexi Cap↔Mirae Emerging Bluechip

34.2%

Moderate
Shared stocks:HDFC BankInfosysAxis Bank
Mirae Emerging Bluechip↔Axis Small Cap

18.4%

Low Overlap
Shared stocks:Deepak NitriteNavin Fluorine
Axis Small Cap↔Quant Small Cap

42.1%

High Overlap
Shared stocks:BSE LtdCDSLMCXAngel One

⚠ Consider consolidating — both funds cover similar small cap universe

PPFAS Flexi Cap↔HDFC BAF

8.2%

Low Overlap
Shared stocks:ITCBajaj Finance

Rebalance Recommendations

Based on current macro cycle, fund performance, and AMFI category signals

1 urgent

Axis Small Cap Fund

Reduce SIP from ₹5,000 to ₹2,500/month

Act Now
Current allocation:9.8%6%

Fund underperforming category benchmark by 2.1% on 3Y rolling basis. Fund manager tenure only 4 years — insufficient track record. High overlap (42%) with Quant Small Cap.

Quant Small Cap Fund

Increase SIP from ₹10,000 to ₹12,500/month

This Month
Current allocation:18.6%21%

Quant-driven momentum strategy outperforming by 20.7% on 1Y basis. Small cap category tailwind continues in current macro cycle. Manager tenure 6 years with strong risk-adjusted returns.

PPFAS Flexi Cap Fund

Continue SIP at ₹10,000/month — no change needed

No Action

Best-in-class fund manager (Rajeev Thakkar, 18 years). Global diversification via US tech stocks (Alphabet, Meta) provides macro hedge. 3Y alpha of 5.7% is exceptional for the category.

HDFC Balanced Advantage Fund

Consider reducing SIP to ₹10,000/month

This Month
Current allocation:22%18%

BAF category underperforms in bull markets. Current macro: equity markets trending up — pure equity allocation would generate better returns. High expense ratio (0.72%) vs alternatives.

Recommendations based on: AMFI category signals, fund manager quality assessment, rolling alpha analysis, portfolio overlap, and current macro cycle positioning. Not financial advice — consult your AMFI-registered advisor.

Fund Manager Quality

Rajeev Thakkar

PPFAS

9.4/10

quality score

3Y Alpha

+5.7%

Consistency

9.1/10

AUM Managed

₹84,200 Cr

Tenure

18 yrs

Investment Style

Value + Global exposure

Top Holdings

HDFC BankITCAlphabetMeta

Neelesh Surana

Mirae Asset

8.1/10

quality score

3Y Alpha

+3.2%

Consistency

8.2/10

AUM Managed

₹42,800 Cr

Tenure

12 yrs

Investment Style

Growth at reasonable price

Top Holdings

Axis BankInfosysBharti AirtelMaruti

Anupam Tiwari

Axis

5.2/10

quality score

3Y Alpha

-2.1%

Consistency

5.8/10

AUM Managed

₹24,100 Cr

Tenure

4 yrs

Investment Style

Quality small cap

Top Holdings

Deepak NitriteNavin FluorineAlkyl Amines

Gopal Agrawal

HDFC MF

7.6/10

quality score

3Y Alpha

+2.4%

Consistency

7.8/10

AUM Managed

₹91,400 Cr

Tenure

7 yrs

Investment Style

Dynamic asset allocation

Top Holdings

ICICI BankRelianceHCL TechL&T

Vasav Sahgal

Quant MF

8.8/10

quality score

3Y Alpha

+12.1%

Consistency

6.4/10

AUM Managed

₹28,400 Cr

Tenure

6 yrs

Investment Style

Quant-driven momentum

Top Holdings

RelianceONGCCoal IndiaAdani Ports