Send your consolidated account statement. Every holding on it is assessed individually against a clear framework, a full written report is prepared and checked by a SEBI Registered Investment Adviser, and an adviser takes you through it on a detailed walkthrough call.
Standard feeRs 25,000
Section two carries one entry for every holding in your statement. Nothing is rolled up into an average.
Two things, and both of them matter. The report is the work. The call is where it becomes useful to you.
One
A complete document built from your own statements, covering every holding you send us. It is prepared for you, checked by a SEBI Registered Investment Adviser, and it is yours to keep. You can take the questions it raises to anyone you like, including an adviser you already work with.
Two
An adviser who has already read the whole report takes you through it section by section, explains how each verdict was reached, and answers whatever you want to go back over. The report is in front of you while you talk, so nothing has to be taken on trust.
A portfolio summary can look healthy while one line inside it is the whole problem. So the full consolidated account statement is read, and every holding on it is assessed on its own: which part of the framework it belongs to, whether it is doing that job, what it costs, and whether it quietly overlaps with something else you already hold.
Your portfolio is read at three levels: the structure it forms as a whole, the gaps in that structure against a clear framework, and then each individual security inside it. Most reviews stop after the first.
Categories rather than product names, because the report never recommends a product by name. Where a statement does not disclose something, the report records it as unavailable rather than estimating it.
Every section is built from your own holdings and nothing else.
01
Your true 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.
02
Each line of your statement gets its own verdict: which part it belongs to, whether it is doing that job, what it costs, and whether it overlaps with something else you already own.
03
Every part is measured against the return it exists to deliver, and marked on target, below target or missing. The verdict is computed from your numbers by fixed rules, not written by an opinion.
04
Any single holding above 25 percent of your portfolio is flagged, along with overlap between holdings that look different but move together. Concentration usually builds quietly, through one holding that did well.
05
A cost view across the portfolio, with anything your statements do not disclose shown plainly as unavailable rather than guessed at.
06
Structural gaps are named, not softened. A portfolio with no international exposure is raised as a standing gap even when everything else is performing well.
01
Talk to an adviser, confirm this is the right review for what you hold, and we begin.
02
Your consolidated account statement, plus any strategy document you follow. Password-protected files are fine.
03
The full statement is read and every holding on it is assessed on its own. Nothing is sampled or averaged away.
04
A SEBI Registered Investment Adviser reviews your details and the complete analysis before anything is issued.
05
The written report is issued to you, and an adviser takes you through it in detail on a call.
Worth being clear up front, so you can decide before you commit rather than after.
Standard feeRs 25,000
One portfolio, one complete review. The fee covers the analysis of every statement you send, the written report, and the walkthrough call. No subscription and no renewal.
Payment is arranged with your adviser. Nothing is charged on this page.
Two things. A full written report on the portfolio you already hold, built from the statements you send and checked by a SEBI Registered Investment Adviser, and a detailed walkthrough call where that adviser takes you through it and answers your questions. The report is yours to keep.
Your consolidated account statement is read in full, and each holding on it gets its own assessment: which part of the framework it belongs to, whether it is doing the job that part exists to do, what it costs you, and whether it overlaps with something else you already own. Portfolios are usually reviewed one product at a time, or summarised into an average that hides the problem. Neither happens here.
A consolidated account statement is the easiest, because one document covers every mutual fund folio held against your PAN. You can request it from CAMS, KFintech, NSDL or CDSL. Broker statements 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.
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.
Then the report says 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.
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 we collect a short risk profile and a signed client agreement before any advice is given.
No, and that is deliberate. The report describes actions in terms of your own portfolio rather than naming products to buy, because a second opinion that ends in a product recommendation is a sale wearing a different name.
It is one of the most common reasons people ask for a second opinion. The report is product-agnostic on purpose, so you can take the questions it raises straight back to your existing adviser and have a better conversation with them.
Your documents are used to prepare your review and nothing else. We never sell your data and we never use it to market other products to you. The analysis involves a processing step outside India, which we explain and ask you to consent to before it happens. You can ask us to delete your documents once the review is complete.