How to Check a Mutual Fund Portfolio​?

Knowing how to check your mutual fund portfolio can help you keep track of your investments, their current value, annualised returns, and your overall asset allocation. You can check your mutual fund portfolio online easily through MF Central, RTAs, or AMC websites/investment apps. Checking your portfolio every 6-12 months can help you identify changes in allocation and assess if your investments are still aligned with your goals and risk tolerance levels.

Investing in mutual funds is only one part of the process. It’s equally important to know how to check your mutual fund portfolio and understand how your investments are doing over time.

Regular portfolio checks can help you track returns, review your asset allocation, and see whether your investments remain aligned with your financial goals. 

But if you’re a beginner thinking, ‘how to check my mutual fund portfolio?’ don’t worry. We’ve covered everything you need to know about the exact steps to check mutual fund portfolios online in this guide.

When it comes to checking mutual fund portfolios, most investors think of downloading their CAS (consolidated account statement). While CAS shows you an overview of all your funds, unit balance, NAV, and market value in one place, this information can feel limited if you may want more detailed or updated portfolio information. 

For that, you can check your mutual fund portfolio details using the following methods:

1. Through the MF Central Platform

MF Central is a unified platform created as a joint initiative by CAMS and KFintech. It offers investors a consolidated view of their mutual fund holdings (serviced by different RTAs) in one place. 

Here’s how you can check your mutual fund portfolio using MF Central:

• Step 1: Go to the MF Central website.
• Step 2: Log in using your PAN and password/OTP (Sign up if you’re not registered yet).
• Step 3: Click on the ‘Portfolio’ tab on the left panel.

You can view your total invested amount, current market value, and absolute gain or loss percentage. This section also provides a breakdown of your portfolio by asset allocation, asset class, and fund house.

2. Using Portfolio Valuation Statements 

Another way to check your mutual fund portfolio is by requesting your portfolio valuation statement through the CAMS/KFintech portal. Here’s how you can do that:

• Step 1: Go to the CAMS/KFintech portal.
• Step 2: Navigate to the MF Investors section and click on ‘Statements’.
• Step 3: Click on ‘Portfolio Valuation Statement’ for CAMS and ‘Portfolio By Email ID/PAN’ for KFintech.
• Step 4: Fill in the required details on the form, including your registered email ID/PAN, delivery options, and the password you’ll use to access the statement.
• Step 5: Wait to receive the email. 

Using the portfolio valuation statement is a good idea because it provides all the details of your MF holdings, categorised by asset class, cost value, market value, period of holding, ROI, IDCW payments (if any), and annualised yield. 

However, each RTA’s portfolio statement generally shows details for the mutual funds serviced by that RTA. So, if your holdings are spread across CAMS and KFintech, you may need to access the respective portfolio statements separately to review all your investments. 

3. Through Your Investment App

Most mutual fund investment apps also allow you to check your mutual fund portfolio online. Here’s how you can access your portfolio details using such apps:

• Step 1: Log in to the investment app by using your password and other credentials.
• Step 2: Go to the ‘Portfolio’ section of the app to see all your current holdings.
• Step 3: Check the invested value, current value, total returns, and % change in returns for the day.

The ‘Holdings’ section also gives you a breakdown of each fund held in your portfolio, showing its current value, average NAV, units, folio number, and percentage of gain/loss. Most investment apps also have a mutual fund portfolio analysis section that shows you the portfolio allocation by equity, debt, and other asset classes, as well as sectoral allocations. 

You can also access portfolio details and summary through individual AMC websites. But aggregating them all can be a hassle when it comes to mutual fund portfolio analysis.

Note: Portfolio statements may not show complete or latest details of mutual fund units held in demat form, as the information depends on data received from depositories. Please check with your Depository Participant (DP) for complete details of your demat holdings. 

Checking your mutual fund portfolio can help you understand what you own, how your funds are performing, and whether your investments remain aligned with your goals.

Here are some key details you should look at to make your mutual fund portfolio analysis and review more useful:

1. Current vs. Invested Value

While checking your mutual fund portfolio, look at:

• The total amount you’ve invested
• The present market value of the units
• The difference between the two values to see your gains/losses

These figures will help you understand the fund’s performance since you started investing. 

2. Asset Allocation Details

Your mutual fund portfolio analysis should also review how your money is spread across asset classes like equity, debt, gold, and others. Some portfolio statements may even show you sector-wise divisions for equities. This helps you:

• See the degree of diversification in your portfolio
• Look for concentration risks in a particular asset class/segment
• Check if your allocation is still aligned to your financial goals and risk appetite

Based on these details, you can assess whether your current asset allocation has moved away from your intended allocation. If there is a significant mismatch, you may consider rebalancing the portfolio, keeping your financial goals, investment horizon, risk appetite, tax implications, and applicable exit loads in mind. 

3. Annualised XIRR

Learning how to check your mutual fund portfolio also helps you check the annualised XIRR on the investment. XIRR shows the annualised return on your investment while accounting for the amount and timing of each investment or withdrawal. This makes it particularly useful when reviewing a portfolio with multiple SIP instalments or transactions.

It gives you a clearer measure of your actual portfolio performance. For context, compare it with the relevant benchmark and similar funds over a comparable period rather than viewing the XIRR alone.

Conclusion

Understanding how to check your mutual fund portfolio online is pretty simple. You can check your portfolio through:

• MF Central - Includes both CAMS & KFintech holdings
• Portfolio Valuation Statement - Needs to be downloaded separately for CAMS and KFintech holdings
• Investment app - Snapshot of all your holdings across RTAs

But for proper mutual fund portfolio analysis, you also need to review your invested vs. current value, asset allocation, and XIRR. Remember, the goal is to check if your investments are performing consistently and if they still align with your goals and risk appetite.  

1. How can I check my mutual fund portfolio in one place?

If you have mutual fund schemes serviced by both CAMS and KFintech, you can check your mutual fund portfolio for all holdings through the MF Central platform. Just register on the platform using your PAN and log in when you need to review your portfolio. 

2. Do I need a mutual fund portfolio analysis tool to review my holdings?

That depends on your preferences. You can review details such as invested value, current value, asset allocation, and returns using portfolio statements or investment platforms. If you want more detailed insights and comparisons vis-à-vis peers and benchmarks, you may consider a mutual fund portfolio analysis.

3. How often should I check my mutual fund portfolio?

Typically, checking your mutual fund portfolio every 6 months to a year is considered ideal. This helps you see the performance of your investments and check if they are still aligned with your goals and risk appetite. 

An Investor Education and Awareness Initiative by Tata Mutual Fund . 

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