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Calculators / Strategy & Portfolio Lab / Portfolio X-Ray
Advanced Analytics

Portfolio X-Ray

Diagnose allocation, concentration, cost and direct/regular mix from local manual or CSV holdings data.

Methodology visibleStress-tested inputsNo buy/sell recommendation

Local portfolio input

One holding per line: Name,Type,AssetClass,Value,TER%,Plan. Plan can be Direct or Regular. Nothing is sent to a server by this package.

How to use this Portfolio X-Ray

Portfolio X-Ray is the diagnostic layer of the Strategy & Portfolio Lab. In this release it analyses holdings entered by the user rather than claiming support for every CAS PDF format. It summarizes portfolio value, allocation, concentration, plan type and weighted expense impact so that rebalancing decisions can start from a measured portfolio rather than a guessed one.

1. Enter factsReplace sample values with your portfolio, goal or market data.
2. Check assumptionsReturn, inflation, tax, cost and stress inputs remain visible.
3. Read the stress caseDo not rely on the base result alone when downside scenarios are available.

Calculation logic

Each holding weight equals its current value divided by total portfolio value. HHI is the sum of squared percentage weights; higher values indicate greater concentration within the entered holdings. Annual TER cost is value × TER for each row, summed across the portfolio. Direct-plan share is calculated only from rows explicitly labelled Direct; unknown or blank labels are not silently treated as direct.

Worked interpretation

A portfolio of ten schemes can still have a high HHI if one scheme dominates the rupee value. Conversely, an even split across ten schemes may have a lower scheme-level HHI while still being concentrated in the same underlying stocks. X-Ray therefore gives the first diagnostic layer and links naturally to the overlap analyzer for look-through questions.

What this result does not prove

TER is an expense-ratio input, not a measure of distributor commission or total investor cost. A complete look-through analysis of mutual-fund stock overlap, sectors or AMC concentration requires current portfolio disclosures and scheme mapping. Those data-heavy extensions should only be enabled when a governed, date-stamped official dataset is present. Arbitrary CAS PDF parsing remains a separate privacy and format-certification gate.

Integrity rule: a calculation can be mathematically correct and still be decision-inappropriate if the inputs, source date or model assumptions are wrong. Finin2min therefore keeps model assumptions visible and avoids converting the result into a security recommendation.

Methodology, data and limitations

This Finin2min tool separates calculation from recommendation. Inputs, return assumptions and stress parameters remain visible and editable. Results are educational scenarios, not forecasts or suitability advice.

Data integrity: do not silently ship stale market/fund data. When the page uses imported official data, retain source authority, effective date, retrieval timestamp, parser version and SHA-256 in the investment data manifest.
Regulatory currentness: the 20 March 2026 SEBI Master Circular states that it consolidates relevant mutual-fund circulars only through 20 March 2026. The source panel therefore also links the Mutual Funds Regulations, 2026 as last amended on 7 July 2026 and the SEBI circulars index for post-Master-Circular developments.

Primary / official references

Questions & answers

What does the Portfolio X-Ray calculate?

Portfolio X-Ray is the diagnostic layer of the Strategy & Portfolio Lab. In this release it analyses holdings entered by the user rather than claiming support for every CAS PDF format. It summarizes portfolio value, allocation, concentration, plan type and weighted expense impact so that rebalancing decisions can start from a measured portfolio rather than a guessed one.

What assumptions drive the result?

Each holding weight equals its current value divided by total portfolio value. HHI is the sum of squared percentage weights; higher values indicate greater concentration within the entered holdings. Annual TER cost is value × TER for each row, summed across the portfolio. Direct-plan share is calculated only from rows explicitly labelled Direct; unknown or blank labels are not silently treated as direct.

Can I treat the result as a forecast or recommendation?

No. The output is an educational scenario generated from the values entered. It does not predict market returns, recommend a security or establish suitability for an individual investor.

How should I handle market or mutual-fund data?

Use a current, complete dataset with a recorded effective date. Where the page requires imported scheme, NAV, TER, portfolio or industry data, Finin2min should publish or retain the source authority, retrieval date, parser version and file hash.

What are the main limitations?

TER is an expense-ratio input, not a measure of distributor commission or total investor cost. A complete look-through analysis of mutual-fund stock overlap, sectors or AMC concentration requires current portfolio disclosures and scheme mapping. Those data-heavy extensions should only be enabled when a governed, date-stamped official dataset is present. Arbitrary CAS PDF parsing remains a separate privacy and format-certification gate.

Financial information disclaimer: Investments involve risk. Calculations may omit taxes, costs, liquidity constraints, tracking difference, execution risk or individual circumstances unless explicitly entered. Verify current official documents before acting.

Guides on this topic

Background, worked examples and the rules behind these numbers.

Regulatory disclosure — SEBI

Finin2min is not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser or as a Research Analyst. This tool performs an arithmetic calculation on the figures you enter and is published for general information and educational purposes only. It is not investment advice, it is not personalised to your financial circumstances, objectives or risk tolerance, and it is not a recommendation to buy, sell or hold any security, scheme or product. Projected values are illustrative and follow directly from the assumptions you supply; actual returns will differ, and past performance does not indicate future results. Consider consulting a SEBI-registered Investment Adviser before acting on any investment decision.