01
Where your money actually sits
Your real split across equity, debt and alternates, and across the four strategic parts, pooled across every statement you send. Most people have never seen this in one place.
Independent portfolio review
See the shape of your portfolio, and the hole in it.
A 15 minute structural review of what you already own. Send your statements, an adviser reads them before you arrive, and the call is spent on where your money actually sits and which part of the structure is missing.
Rs499once, for one review
- A call with a SEBI Registered Investment Adviser
- Analysed before the call, not during it
- No product recommended by name
Structure and gaps. Not the individual securities inside each part.
A sample layout with sample proportions, shown to illustrate how a portfolio is read as a structure. Your own version is built only from the statements you send.
Most portfolios are never looked at as a whole. They are looked at one product at a time, usually by the person who sold that product.
This is the other view. Everything you hold, measured together, by someone with nothing to sell you.
The work behind the call
What the 15 minutes covers.
Every figure is computed from your own statements by fixed rules before you arrive. The adviser reviews the whole analysis, then takes you through it and answers whatever you want to go back over.
02
Whether each part is doing its job
Every part is measured against the return it exists to deliver, and marked on target, below target or missing. The verdict comes out of your own numbers by fixed rules, not out of an opinion.
03
The gaps in the structure
Gaps are named rather than softened. A portfolio holding nothing international is raised as a standing gap even when everything else looks like it is performing.
04
Concentration you may not have noticed
Any single holding above 25 percent of the portfolio is flagged. Concentration usually builds quietly, through one holding that did well and was never trimmed.
05
What you are paying to hold it
A cost view across what you hold, with anything your statements do not disclose shown plainly as unavailable rather than guessed at.
06
What you could do about it
Actions described in terms of your own portfolio, never as a product to buy. No fund is named, because a second opinion that ends in a recommendation is a sale wearing a different name.
Scope
Where it stops.
Worth being exact about the resolution of this review, so you know what you are getting before you book rather than after. It reads your portfolio at two levels and stops before the third.
The whole portfolio
In this reviewEverything you hold, pooled across every statement you send, read as one thing rather than as a pile of separate products.
The parts it is built from
In this reviewEach strategic part of the portfolio, measured against the job it exists to do, and the gaps where a part is thin or simply absent.
Each individual security
Not in this reviewA holding-by-holding verdict on every line of your statement is a longer piece of work and is not what this review does. This one stays at the level of the structure.
The process
How it works.
01
Book a call
Pick a slot from the live calendar, or send a message on WhatsApp or by email if you would rather talk first.
02
Send what you hold
Your consolidated account statement, plus any written strategy you follow. Password-protected files are fine.
03
The work happens first
A SEBI Registered Investment Adviser reads your statements and checks the whole analysis before you arrive.
04
The call
Your 15 minutes go on your portfolio and what to do about it, not on data entry.
What this is not.
Worth being clear up front, so you can decide before you book rather than after.
- Not a written report. You get a conversation with an adviser who has already been through your holdings, not a file to read on your own afterwards. Worth knowing before you book rather than after.
- Not a holding-by-holding verdict. This review works at the level of the structure and the gaps in it, and stops short of assessing each individual security you own.
- Not a product pitch. No fund, insurance policy or scheme is named, and nothing is sold to you on the call.
- Not a prediction. Anything discussed as a scenario is illustrative arithmetic on stated assumptions, and is described that way.
One call, one payment
Rs499for one 15 minute review
Covers the analysis of every statement you send, the preparation an adviser does beforehand, and the call itself. No subscription and no renewal.
Payment is arranged with your adviser. Nothing is charged on this page.
Questions people ask first.
Do I get a written report?
No, and it is worth being plain about that up front. What you are paying for is time with an adviser who has already been through your holdings in detail. The analysis is prepared and checked before the call, and the adviser takes you through it live. Nothing is emailed to you afterwards to read alone.
Is 15 minutes really enough?
It is, because none of it is spent on preparation. The whole analysis is built and checked before you arrive, so the call starts at what your portfolio looks like and what is missing from it, rather than at what you own. If your holdings are simple, the adviser will say so plainly rather than padding the time out.
Will you look at each of my individual holdings?
Not in this review. Your full statement is read, and your holdings are pooled and assessed as a structure: which part each one belongs to, whether that part is doing its job, and where the structure has a hole in it. A separate verdict on every individual line of your statement is a longer piece of work and is not what this is.
Is this investment advice?
Yes. An adviser gives you their view on what you hold and what you could do about it, so this is advice from a SEBI Registered Investment Adviser, registration number INA000022127. That is why a short risk profile and a signed client agreement are collected before any advice is given.
What documents do I need to send?
A consolidated account statement is easiest, because one document covers every mutual fund folio held against your PAN. You can request it from CAMS, KFintech, NSDL or CDSL. Broker and individual fund statements work too, and you can send more than one. If you follow a written strategy or plan, send that as well, so your holdings can be measured against what you actually intended.
My statement is password protected. Is that a problem?
No. Most statements are protected by default, usually with your PAN as the password. You give us the password when you send the file, it is used once to open the document, and it is never stored.
What if my statements do not show everything?
Then you are told so. Anything a document does not disclose is recorded as unavailable rather than estimated, and it is listed so you can see exactly what was missing. If you know the figure yourself, you can tell us and it goes in as your own stated information.
I already have an adviser. Is this awkward?
It is one of the most common reasons people ask for a second opinion. Nothing here is product-led, so you can take the questions it raises straight back to your existing adviser and have a better conversation with them.