CAMS mycams.com → Capital Gains (Excel) · Zerodha Console → Tax P&L For realized gains tax on rebalancing decisions
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Account Aggregator (AA) (Coming Soon)
RBI/SEBI regulated one-tap consent. Once live: covers banks, MFs, demat, NPS, insurance in one click.
Soon
What you'll need when this goes live:
✅ PAN number linked to your financial accounts
✅ Aadhaar-linked mobile number (for OTP consent)
✅ A single OTP tap to share — no passwords, no manual entry
📦 Covers: Bank accounts · All MF folios · Demat (CDSL/NSDL) · NPS · Insurance
🔄 Consent lasts 6 months, revocable anytime from your AA app
🔒 Read-only. NiveshIQ cannot initiate transfers or trades.
AA integration is coming soon. Use CAS Upload below for the same data right now.
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CAS Statement (CAMS / NSDL)
Consolidated Account Statement — all MF folios + demat holdings in one PDF.
Easy
Where to get your statement (best to worst for parsing):
⭐ MF Central (best — scheme-level)
mfcentral.com → Login with PAN → Portfolio → Download Statement. SEBI-mandated, covers ALL AMCs. Mutual funds only — for stocks, also link your demat (CDSL/NSDL CAS or broker).
Email casrequest@camsonline.com — Subject: "CAS Request". Include PAN. Arrives in 5–10 min. Note: CAMS V3.4 PDF locks scheme detail pages as images — only summary table is parseable.
📱 Investment Apps
Zerodha Coin → Portfolio → Download CSV Kuvera → Reports → Export Groww → Statements → Portfolio All give scheme-level Excel/CSV — upload in Portfolio Excel tab below.
What gets extracted:
📊 All MF folios — scheme name, units, NAV, current value, invested amount
📈 Demat equity holdings — symbol, quantity, ISIN, market value
📅 Purchase dates → STCG/LTCG tax classification
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Click to upload CAS PDF or Excel
CAMS CAS · KFintech CAS · NSDL CAS · (.pdf, .xlsx, .csv)
🔒 Parsed entirely in your browser — file never uploaded to any server
📋 PDF not parsing? Paste CAS text instead →
Open the PDF → Ctrl+A → Ctrl+C → paste here:
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Portfolio Excel / CSV Export
Import from Zerodha Console, Kuvera, Coin, or NiveshIQ template.
Active loan EMIs, outstanding balances, interest rates · Credit card limits & utilisation · CIBIL score · Overdue flags · Account age (for health score)
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Click to upload CIBIL / Experian PDF or Excel
PDF password = your DOB in DDMMYYYY (e.g. 15011990). Enter when prompted if file is locked.
🔒 Parsed entirely in your browser — file never sent to any server
Only extracted data (score, EMI, outstanding balance) is saved to your profile. The original file is discarded after parsing.
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Manual Entry
Add stocks, MFs, FDs, gold, real estate manually. Supports bulk paste from Excel.
POWERED BY NIVESHIQ INTELLIGENCE
Equity Strategy — Personalised to Your Profile
Long-Term Portfolio Themes
Based on current macro regime, sector rotation signals, and your risk profile. Updated monthly.
Your Equity Portfolio Analysis
Medium-Term Opportunities (3–12 months)
Profile-filtered tactical plays within your risk limits. These are higher-conviction but shorter than themes above.
Portfolio Commentary
⚡ Swing Trade Ideas
HIGH RISK
NiveshIQ swing screener identifies high-probability setups. Max 20% of total capital across all swing positions. Click stock names to view live signals.
Your Equity Holdings
Stock
Sector
Qty
Avg
CMP
Today
P&L
1yr Outlook
Equity value—
Link your portfolio in the to see your equity holdings here.
Position Sizing & Risk Rules
How much in direct equity? Conservative: 0–10% of equity portfolio in individual stocks. Moderate: 15–25%. Aggressive: 25–35%. Always keep core in index MFs.
Max position size per stock Cap any single stock at 8–10% of your direct equity allocation. If one name feels too important to lose — it's too concentrated.
Stop-loss discipline Long-term: exit if thesis breaks. Swing trades: hard stop at 5–7% from entry. Never average down without re-checking the thesis.
Tax awareness Short-term gains (<1 yr): 20% STCG. Long-term (>1 yr): 12.5% LTCG on gains above ₹1.25L/year. Harvest losses in March each year to offset gains.
⚠️ All recommendations are generated by NiveshIQ's internal signal engine using sector rotation data, price momentum, and fundamental screens. Not SEBI-registered investment advice. Past signals are not indicative of future performance. Invest only what you can afford to lose in volatile positions.
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Link your portfolio first
Portfolio analysis uses demo data. Link your actual holdings via CAS, broker API, or manual entry for real rebalancing advice.
Actual vs Recommended Allocation
Green line = your target based on risk profile. Bar = actual current allocation.
Sector Concentration (Equity)
Red = overweight vs your recommended allocation. Target per sector: max 25–30%.
All Investments — Combined View
Add your non-market investments below for a complete portfolio picture. These are used in the rebalancing advice.
Savings / FD / RD
Gold (SGBs / ETFs)
Debt MF / Bonds
Real Estate / REITs
NPS / PPF / EPF
SIP Allocation for Natural Rebalancing
Direct monthly SIP into underweight areas — rebalances naturally without triggering tax events.
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Link your portfolio and enter SIP budget above to generate a personalised allocation plan.
Tax Implications of Rebalancing
📋 General guidelines below — upload documents in the Portfolio tab for your specific tax position.
Equity (STCG <1yr) — 20% tax on gains. Avoid selling equity held for less than 1 year unless loss harvesting.
Equity (LTCG >1yr) — 12.5% on gains above ₹1.25L/year. Book profits strategically in March each year to use the exemption.
Debt MF — Gains taxed at income slab rate (no indexation after 2023 rules). Consider SGB or direct bonds for tax efficiency.
ELSS — 3-year lock-in. Do not exit before lock-in expires regardless of rebalancing need.
Best strategy — Rebalance using NEW SIP flows, not by selling. Sell only if deviation >15% from target and holding period >1yr.
Rebalancing Recommendations
Tax-optimised · Quarterly cadence
Your Fund Portfolio Analysis
Portfolio Outlook & Commentary
Best Funds to Add (based on your profile)
Your MF Holdings
Scheme
Category
Value
Today
Your Return
3yr CAGR
vs Category
MF portfolio value—
Link your portfolio in the to see your fund holdings here.
Loading fund data…
⚠️ Returns shown are historical CAGR computed from NAV data (mfapi.in). Past performance is not indicative of future results. Star ratings based on selected return period. Invest based on your risk profile. Consult a SEBI-registered advisor.
Invest 101 — India Investing Primer
Nifty 50 / Sensex Index FundModerate Tracks top 50/30 companies. Lowest cost (TER 0.05-0.2%). Best for most investors — diversified, liquid, tax-efficient after 1 year. Start here.
Flexi-cap / Large-cap MFsModerate Active fund manager picks large-cap stocks. Slightly higher TER but potential to beat index. Good for 5+ year horizon.
Mid-cap / Small-cap MFsAggressive Higher risk, higher return potential. 7–10 year horizon minimum. Max 20-30% of equity allocation. Never put emergency fund here.
Sector / Thematic FundsAggressive Pharma, IT, infra, manufacturing etc. High conviction bets — for <10% of portfolio only. Needs active monitoring.
Liquid FundsConservative Emergency fund parking. Returns ~6-7% p.a. Instant redemption (T+0). Better than savings account for idle money above ₹1L.
Ultra-short Duration FundsConservative 3–6 month idle money. Returns 6.5-7.5%. Low volatility. Good for money you'll need within 6 months.
Short Duration / Banking & PSUModerate 1–3 year money. Returns 7–8.5%. High credit quality. Lower risk than equity but more return than FDs.
Gilt FundsModerate Government securities only — zero default risk. Sensitive to interest rates. Good in a rate-cut cycle. 3+ year horizon.
Fixed DepositsConservative DICGC insured up to ₹5L per bank. 6.5–8% p.a. currently. No market risk. Interest fully taxable as per slab — consider after-tax return.
Sovereign Gold Bonds (SGBs)Conservative Best form of gold investment. 2.5% annual interest + gold price appreciation. Tax-free at maturity (8 years). Backed by RBI. Currently not available for new issuance — buy from secondary market on NSE/BSE.
Gold ETFsConservative Demat gold, no storage hassle. Tracks physical gold price. Very liquid. Capital gains tax applies — 20% after 2 years (LTCG). Better than digital gold.
Gold Mutual FundsConservative FOF that invests in Gold ETF. SIP possible unlike ETF. Slightly higher TER. Good if you don't have demat account.
How much gold? 5–15% of portfolio is the standard recommendation. Gold is a hedge against rupee depreciation and black swan events — not a return generator in the long run.
Direct Real EstateAggressive High ticket (₹50L+), illiquid, maintenance intensive. Capital appreciation 6-10% CAGR in good locations. Rental yield India-wide is low (~2-3%). Home loan interest (Sec 24) deductible up to ₹2L in old regime.
REITs (Real Estate Investment Trusts)Moderate Listed on BSE/NSE. Embassy REIT, Mindspace REIT, Nexus Select Trust. Distributes 90%+ income as dividends. 8-10% distribution yield. Better than direct RE for small investors.
Real Estate Mutual FundsModerate Fund of Funds investing in REITs and real estate companies. More diversified than individual REIT. Liquidity of MF with RE exposure.
US Equity ETFs / FOFsAggressive Motilal Nasdaq 100 ETF, Mirae US Top 50 ETF, Edelweiss Nifty 50 US ETF. Currency hedge — rupee depreciation historically adds 3-4% to returns. 10-15% of equity portfolio.
International FOFsAggressive PGIM Global Equity Opp Fund, Kotak International REIT FOF. Diversification beyond India. Taxed as debt MF if held <2 years post 2023 rule change.
LRS Limit You can remit up to USD 250,000 (~₹2 Cr) per year under Liberalised Remittance Scheme for foreign investments. 20% TCS collected upfront (claimed back in ITR).
NAV (Net Asset Value) Price of one unit of a mutual fund. Calculated daily after market close: (Total assets − Liabilities) ÷ Total units.
CAGR (Compound Annual Growth Rate) Annualised growth rate over multiple years. E.g. ₹1L growing to ₹1.61L in 5 years = ~10% CAGR. The right way to compare investments.
TER (Total Expense Ratio) Annual fund management fees as % of AUM. Automatically deducted from NAV. Direct plans have lower TER than Regular plans — always prefer Direct.
SIP (Systematic Investment Plan) Fixed monthly investment in a mutual fund. Benefits: rupee cost averaging, habit formation, no need to time the market.
ELSS (Equity Linked Savings Scheme) Tax-saving MF with 3-year lock-in. Qualifies for ₹1.5L deduction under Section 80C in Old Tax Regime.
NFO (New Fund Offer) Launch of a new mutual fund. Usually avoid NFOs — no track record. Exceptions: passive index NFOs tracking new indices.
AUM (Assets Under Management) Total money managed by a fund. Larger AUM = more stable but potentially harder to outperform for mid/small cap funds.
Alpha Returns above benchmark index. Positive alpha = fund manager added value. Sustained alpha over 5+ years is rare and valuable.
Beta Volatility vs the market. Beta <1 = less volatile than market. Beta >1 = amplifies market moves. High beta = higher risk & reward.
Sharpe Ratio Return per unit of risk taken. Higher = better risk-adjusted returns. Compare only within same asset class.
P/E Ratio (Price to Earnings) Price ÷ Earnings per share. Nifty 50 historical avg ~22x. <15x = potentially undervalued. >30x = potentially expensive. Context matters by sector.
P/B Ratio (Price to Book Value) Price ÷ Book value per share. Useful for banks and financials. <1.5x = possibly undervalued for quality businesses.
ROE (Return on Equity) Net profit ÷ Shareholders equity. Measures management efficiency. >15% consistently = quality business. Watch for leverage-driven ROE.
Debt/Equity Ratio Total debt ÷ Shareholders equity. <0.5 = low leverage (preferred). Capital goods and banks have structurally higher D/E — compare within sector.
EV/EBITDA Enterprise Value ÷ EBITDA. Better than P/E for capital-heavy businesses. <10x = value zone for most Indian sectors.
Promoter Holding % % of shares held by founders/promoters. >50% = aligned management. Watch pledged shares — pledging >20% of promoter holding is a red flag.
STCG on Equity (Short-term Capital Gains) Equity MF / stocks held <12 months: 20% tax on gains. No indexation. STCG stacks on top of income — same slab rate doesn't apply.
LTCG on Equity (Long-term Capital Gains) Equity MF / stocks held >12 months: 12.5% tax on gains above ₹1.25L per year. Tax-free up to ₹1.25L — harvest strategically each March.
STCG on Debt Funds Debt MF / gold ETF / international MF held <24 months: added to income, taxed at slab rate (up to 30%).
LTCG on Debt Funds Debt MF / gold ETF held >24 months: 12.5% without indexation (post April 2023 rule change). Gold ETF: 12.5% LTCG after 2 years.
SGB Maturity Sovereign Gold Bonds mature in 8 years — maturity proceeds are fully tax-free. Exit after 5 years also possible at RBI windows.
Dividend Tax All dividends are added to income and taxed at your slab rate (DDT abolished 2020). Prefer growth option over dividend for most investors.
Tax Loss Harvesting Sell losing positions before March 31 to book losses. These offset capital gains, reducing tax. Rebuy after 1 day if you want to maintain position.
NPS Tax Benefits 80CCD(1B): Extra ₹50K deduction over 80C limit. Total: ₹2L tax benefit possible. 60% lump-sum on maturity tax-free; 40% must buy annuity (taxable).
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