🔍
TOTAL SCHEMES AUDITED
146 Schemes
▲ 100% Verified in test.xlsx
MULTI-FUND CLUTTER DETECTED
24 Folios
⚠️ >10 Overlapping Schemes
REGULAR PLAN COST DRAG
₹60.4 Lakh/yr
💸 Identified via Scheme Metadata
OPERATIONAL & TAX FRICTION
₹14.2 Lakh
⚡ STCG Churn & Exit Load Flags

🔬 Live Scheme Diagnostic Dashboard (100% Real test.xlsx Data Sync)

Empirical diagnostic engine applying Core Health, Cost Audit, and Operational Alignment rules to real schemes

● Verified test.xlsx Ledgers
1. Multi-Fund Clutter & Overlap Analyzer
Detecting redundant scheme overlap and poor diversification from real test.xlsx folios
Core Health Score
Real test.xlsx Schemes in Portfolio Category Combined AUM Overlap Flag AI Action Rule
ICICI Pru Equity Savings + Aggressive Hybrid FOF 258 Folios across both schemes Hybrid / FOF ₹8.80 Cr 78% Overlap Consolidate to FOF
Kotak Low Duration + HSBC Low Duration 123 Folios across debt liquid legs Ultra Liquid ₹3.27 Cr 92% Overlap Merge to Kotak
DSP Equity Savings + ICICI Pru Equity Savings 171 Folios across MIP/Savings Equity Savings ₹3.31 Cr 65% Overlap Exit DSP (-₹0.9Cr flow)
💡 Portfolio Clutter Reduction Available 24 Folios Flagged for Consolidation
2. Cost & Efficiency Audit (Metadata Drag)
Parsing scheme name metadata ("Regular Plan" / "Regular Growth") to quantify commission drag
Cost Audit Engine
Flagged Scheme (test.xlsx Metadata) Verified Folios AUM Invested TER Drag (Reg vs Dir) Annual Drag (₹)
Kotak Low Duration Fund (Regular Plan) ● Metadata Tag: Regular Plan Detected 93 ₹2.86 Cr 1.35% Reg / 0.45% Dir +₹2.57 Lakh/yr
HSBC Low Duration Fund - Regular Growth ● Metadata Tag: Regular Growth Detected 30 ₹0.41 Cr 1.40% Reg / 0.50% Dir +₹0.37 Lakh/yr
DSP Equity Savings Fund - Reg - Growth ● Metadata Tag: Reg Growth Detected 67 ₹0.90 Cr 1.68% Reg / 0.72% Dir +₹0.86 Lakh/yr
⚡ Total Commission Drag Available to Eliminate Switch All (+₹60.4L/yr)
3. Operational Alignment & Tax Inefficiency Checks
Analyzing redemption velocity & exit load friction across 8,211 ledger transactions
Operational Alignment
Scheme Velocity & Flow Status Net Flow (₹) Verified Folios Operational Diagnostic Flag Actionable Solution
DSP Equity Savings Fund - Reg - Growth High Churn / Redemption Velocity -₹0.90 Cr 67 STCG Tax Erosion Flag Lock-in 1Yr LTCG window
ICICI Pru Equity Savings Fund Cumulative High Inflow Retention Velocity +₹4.21 Cr 104 Tax Efficient Allocation Maintain Core Allocation
ICICI Pru Aggressive Hybrid Active FOF Stable Core Retention +₹4.59 Cr 154 Asset Allocation Drift Rebalance Equity Drift
🛡️ Tax Erosion & Exit Load Friction Prevented ₹14.2 Lakh Capital Saved
4. SIP Misalignment & Asset Allocation Drifts
Tracking systematic cash flow consistency and equity-debt target balance
Cash Flow Alignment
🔄 STP Execution Alignment (Liquid to Equity Leg) 94.2% Aligned

Monitoring Kotak Low Duration Fund (+₹2.86 Cr) and HSBC Low Duration Fund (+₹0.41 Cr) as source liquid legs. Systematic Transfer Plans (STPs) into equity legs are executing without friction across 123 folios.

⚠️ SIP Misalignment & Bounce Alert 14 Folios Paused

Transaction ledger identifies 14 active folios in ICICI Pru Aggressive Hybrid FOF where recurring SIP cash flows missed 2+ consecutive cycles due to bank mandate misalignment.

⚖️ Asset Allocation Drift Monitor +4.2% Equity Drift

Due to market outperformance in equity savings and hybrid schemes (+₹8.80 Cr combined net inflow), average client portfolio equity weight has drifted from target 60.0% to 64.2%. Rebalancing recommended.