Mutual Fund Portfolio Analysis | How to Track Your Investments

Do you check your mutual fund portfolio with some regularity? If not, you may be missing signs that your investments need attention. Just like you check your bank balance or monitor your fitness progress, tracking how your mutual funds are performing over time is important.

Let us understand how to check your mutual fund portfolio in India and why you should check your mutual fund portfolio. 

Why Should You Check Your Mutual Fund Portfolio?

Here are a few instances that call for mutual funds portfolio reviewing:

• Change in Circumstances: An additional inflow of funds from selling an ancestral property or your spouse quitting their job; these examples have two different impacts on your ability to take the risk and would, in turn, impact your asset allocation.
• Change in Risk Appetite: As people age, their risk tolerance reduces. An individual’s perspective towards a fund also changes with time. With annual portfolio reviews, you can bridge the gap between risk tolerance and exposure to different asset classes.
• Performance of the Asset Classes: The performance of your asset classes will impact your original asset allocation. It is important to restore your original allocation. However, reviewing each fund under every asset class and rebalancing it accordingly is equally important.
• Change in the Objectives: Consider an example where you are saving for your child’s education. You have planned for your child to take a graduation course in India, but when you observed your kid’s interest towards their education stream, you decided to send them abroad for higher education. But have you planned for this? In such instances, all of your calculations will go to a toss. How would you pay for it? Here’s when a periodic review of your portfolio and objectives would help in rebalancing.

During the portfolio reviewing exercise, it is common to observe that the asset allocation you had initially planned for would have undergone changes. Rebalancing strategically to maintain the original asset mix will allow you to adhere to your financial plan regardless of how the market behaves. 

However, do not be overly worried about this. A deviation of about 10% from the original allocation will have a significant impact; keep this threshold for yourself.

How to Check My Mutual Fund Portfolio?

You can check your mutual fund portfolio in various ways: 

1. AMC (Mutual Fund Company) Website or App

Each mutual fund is managed by an Asset Management Company (AMC), such as HDFC Mutual Fund or SBI Mutual Fund.

• Visit the official website or app of the mutual fund house (e.g., SBI, HDFC, ICICI).
• Log in using your Folio Number, PAN, or registered mobile/email.
• See NAVs, returns, fund documents, and transaction history.

Note that if you have invested in funds from different companies, you will need to log into multiple AMCs separately. 

2. RTAs (CAMS, KFintech, MFCentral)

Registrars and Transfer Agents (RTAs) offer a consolidated view if your funds are serviced by them.

2.1. myCAMS App/camsonline.com

• Tracks funds managed by CAMS-supported AMCs  
• Login with PAN and registered email/phone 
• It provides a consolidated view and allows transactions

2.2. KFinKart App/kfintech.com

Log in with your PAN and registered email/phone to check your MF portfolio. This works for funds managed by KFintech. 

2.3. MFCentral

• This is a one-stop platform supported by both CAMS and KFintech. It allows you to track all your mutual funds in one place. 
• Login with PAN to track all your mutual funds. 

3. CAS Statement (NSDL/CDSL)

CAS (Consolidated Account Statement) gives a complete view of your holdings linked to your PAN.

How to get it:

• Visit nsdlcas.nsdl.com or cdslindia.com
• Enter your PAN and email
• Receive a PDF with mutual fund and demat holdings

4. Mutual Fund Utility (MF Utility/MFU)

MFU is an industry-backed platform that helps you manage all mutual funds through a Common Account Number (CAN).

• Track and invest across AMCs 
• Centralised transactions and statements 
• Check your portfolio through a CAN. 

In addition, you can also check your mutual fund holdings directly through the investment platforms or apps where you originally made your investments.

Conclusion

Regularly checking your mutual fund portfolio is essential for staying on track with your financial goals. Life circumstances change, market dynamics shift, and your risk appetite evolves over time. Without timely reviews and rebalancing, your investments may drift from your intended asset allocation or fall short of new objectives. 

Use platforms like AMC websites, RTAs like CAMS and KFintech, CAS statements, and MF Utility to stay informed and in control. A simple periodic review can greatly affect how effectively your money works for you.

FAQs