Formula-transparent · AI-powered · India-focused

Is your portfolio
actually healthy?

Add your stocks. Get an AI score across 4 research-backed dimensions. No jargon, no black boxes.

AI IS USED FOR
Full portfolio assessment after analysis
Specific buy / reduce / watch suggestions
Answering your follow-up questions
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Your portfolio
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01 · Diversification
– / 25
02 · Volatility (Beta)
– / 25
03 · Sector concentration
– / 25
04 · Return efficiency
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Groq AI · llama-3.3-70b

AI portfolio assessment

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Sending your portfolio to Groq AI

Sector allocation

How your money is spread across industries

Profit & loss per stock

Unrealised gains and losses by holding

Formula-derived insights

Sector breakdown

Understanding your score

What each dimension means

Four things. Each out of 25 points. Explained in plain English with real-world analogies.

01 · MAX 25 PTS
Diversification
How spread out are your bets?
Think of it like a cricket team. You wouldn't field 11 batsmen — you need bowlers, all-rounders, a keeper. More variety in stocks means if one company fails, the rest protect you.
10+ stocks across 4+ different industries
Only 3 stocks, all in the same sector like IT
02 · MAX 25 PTS
Volatility (Beta)
How wild does your portfolio swing?
Beta = how much your portfolio moves when the market moves. A beta of 1.5 means if Nifty falls 10%, your portfolio likely falls 15%. We reward a calmer, more stable portfolio.
Beta 0.8–1.2 · moves with market, not wilder
Beta above 1.5 · crashes hit you much harder
03 · MAX 25 PTS
Sector concentration
Are you over-betting one industry?
Even with 15 stocks — if 70% are IT companies, you're making one giant bet. When IT crashed in 2022, portfolios like this fell 30–40%. Spreading sectors builds a natural safety net.
No single sector above 30–35% of portfolio
One sector at 60%+ — a crash could devastate you
04 · MAX 25 PTS
Return efficiency
Are you actually beating the market?
Nifty 50 gives ~12% a year automatically — just buy an index fund and do nothing. If your hand-picked stocks give only 8%, all that effort wasn't worth it. We compare your return to this yardstick.
Return higher than Nifty 50's 12% CAGR
Underperforming Nifty — an index fund beats you
YOUR TOTAL SCORE =
Diversification (25)
+
Volatility (25)
+
Concentration (25)
+
Returns (25)
=
100 pts