Mutual Fund CAS Portfolio Analyzer — Frequently Asked Questions

Please upload your portfolio statement in the CAMS Consolidated Account Statement (CAS) PDF format only. If you don't have one, you can generate it here: camsonline.com

⚠️ Note: Only CAMS CAS statements are supported. KFintech (Karvy) statements are not yet supported. CAMS CAS statements are always password-protected — please keep your password ready before uploading.

After uploading, enter your PDF password when prompted. The system will use it to read your file and prepare the selected report. While your report is being generated, a live timer is shown so you know the analysis is in progress.

🔒 Privacy: Your password is never stored — it is used only to read your file and discarded immediately.

You can choose from the following reports:

• My Portfolio View – A simple and insightful view of your key portfolio statistics
• Portfolio Overview – A detailed summary of your portfolio holdings and allocation
• Fund Performance Analysis (Coming soon)
• Smart Rebalancing (Coming soon)
• Monthly Insights (Coming soon)

Yes, you can generate multiple reports using the same uploaded file to understand your portfolio from different perspectives.

The Portfolio Overview gives you a high-level snapshot of your investments. It shows asset allocation, total portfolio value, invested amount, gains or losses, and key return metrics. This report helps you quickly understand where your portfolio stands today.

Smart Rebalancing checks whether your investments have drifted away from a balanced allocation. If certain asset classes or funds have become overweight or underweight, it suggests adjustments to restore balance. These are advisory suggestions only — no buying or selling happens automatically.

Monthly Insights focuses on recent activity and changes. It highlights portfolio movement, SIP contributions, market impact, and performance changes during the selected month. This report helps you stay informed without needing to track markets daily.

My Portfolio View provides a smart, structured view of your portfolio's value, performance, allocation, and long-term wealth progress. It shows your best and worst performing funds, top wealth contributor, longest investment, and recent six-month allocation trends — all in one quick view.

Report shows 🟢 green when the report generation system is working properly.

API shows 🟢 green when the required market data sources are accessible.

If either dot turns 🔴 red, it is usually temporary — refresh the page and try again after a few minutes.

Your uploaded file is used only for generating reports and is not stored permanently.

The two XIRR values measure different aspects of performance.

One reflects how you invested over time.
The other reflects how your portfolio is performing today.

Both are correct and serve different purposes.

🩺 Health XIRR focuses on your investing behavior. It gives higher importance to invested amounts and timing. It reflects discipline, consistency, and long-term investing habits.

📈 Performance XIRR reflects how your portfolio is performing today. It gives more weight to current portfolio value and aligns closely with what you see as your present wealth.

Health XIRR focuses on investment timing and amounts. Performance XIRR focuses on current value and growth. Strong or weak performance in certain investments can cause the two values to differ — this is expected.

To assess investing discipline, start with Health XIRR. To understand current portfolio performance, refer to Performance XIRR. Together, they provide a complete view.

Yes, both are calculated correctly and clearly labeled:

🩺 Health XIRR – Based on invested amounts
📈 Performance XIRR – Based on current value

This avoids confusion and improves clarity.

This compares your fund's return with its benchmark index.

🟢 Outperformed – Fund delivered higher returns than the benchmark
➖ Matched – Fund performed broadly in line
🔴 Underperformed – Fund delivered lower returns

It helps assess whether the fund manager is adding value.

Not necessarily. Short-term underperformance is common.

Before deciding, review:

⏳ Performance over at least 3–5 years
📊 Consistency vs benchmark
🔎 Any strategy or fund manager changes

Avoid reacting to short-term market noise.

Benchmarks show how the broader market performed.

📈 They help measure relative performance
🎯 They reveal whether a fund generated excess return (alpha)

This ensures fair and meaningful evaluation.

The summary widgets provide a quick financial snapshot of your portfolio — including total value, total invested amount, total redeemed, net investment, overall gain/loss, and number of funds. They help you understand your current financial position instantly without going through detailed tables.

These widgets highlight your top and bottom performing funds, longest-held investment, and best wealth creator. They help you evaluate investment consistency, performance quality, and which funds have contributed most to your long-term wealth growth.

The Consolidated Account Statement (CAS) from CAMS contains the complete record of your mutual fund holdings across different AMCs. This helps generate an accurate and comprehensive portfolio analysis.

No. This tool does not access your bank account, demat account, or mutual fund accounts. It only reads the information available in the CAS PDF that you upload and generates a portfolio analysis report based on that data.

The tool is currently available free during the beta phase. The goal is to help investors understand their portfolios better and collect feedback to improve the platform. Additional features or pricing may be introduced in the future.

Yes. Your portfolio statement is processed only to generate the report you request. We do not store or share your data. The file is used temporarily and is not retained after report generation.

No account or registration is required. Simply upload your CAMS CAS statement and generate your portfolio report instantly.

No. The reports generated by this tool are for informational and educational purposes only. They are intended to help you understand your portfolio better and should not be considered investment advice.

Yes! CAMS CAS statements are always password-protected using your PAN or date of birth. Simply upload your file and enter the password when prompted — the tool will handle the rest.

🔒 Privacy: Your password is never stored — it is used only to read your file and discarded immediately.

You can download your Consolidated Account Statement (CAS) from:

• CAMS – camsonline.com

Choose the email CAS option and select "All Mutual Funds" to generate the complete statement.

Note: Please upload the original CAS PDF received from CAMS. Scanned or image-based PDFs cannot be processed because the tool reads the text data inside the statement.

Yes. We are open to collaborating with financial platforms, advisors, fintech apps, and other service providers who would like to integrate this report generation capability into their applications.

For integration or partnership enquiries, please contact us at ai.implementer@gmail.com or visit AI Implementer