Your mutual fund portfolio, finally diagnosed.
Overlap. Risk mismatch. Underperformers. bachao.money finds them all — and tells you exactly what to fix.
Portfolio Health
5 issues found across 8 funds
AI Recommendation
Switch HDFC Mid-Cap to reduce overlap by 34%. Your mid-cap exposure stays balanced.
The real problem
Sound familiar?
Most mutual fund investors have these issues.
Almost none of them know it.
Too many funds, no clear plan
You've accumulated 8–12 mutual funds over the years. But are they actually working together — or just piling up?
Your funds own the same stocks
Three different fund names, same top holdings. You think you're diversified. You're not.
Risk that doesn't fit your life
Your portfolio is more aggressive — or too conservative — for your age, income, and goals. But no one flagged it.
Funds that quietly underperform
Some of your funds have lagged their benchmark for years. You keep investing because nothing told you to stop.
No idea what to actually change
You sense something's off. But which fund do you keep? Which do you drop? What replaces it? No clarity.
No one tells you what to do next
Other platforms show you data and charts. None of them say: "Drop this. Switch to this. Here's why."
If even one of these sounds like you — your portfolio needs a diagnosis.
How it works
From confused to clear in under 5 minutes
Import your portfolio
Upload a CAS statement or connect your holdings. Takes under 60 seconds.
AI runs a full diagnosis
Our engine scans every fund for overlap, risk drift, underperformance, and goal misalignment.
See what needs to change
Get a clear report: what's working, what's not, and what to fix — ranked by impact.
Take better action
Switch funds, adjust SIPs, or rebalance — with step-by-step guidance, not guesswork.
Features
What bachao.money actually does
Not dashboards. Not charts. Clear answers about your portfolio — and what to do next.
AI Portfolio Diagnosis
A complete health check across every dimension — overlap, risk, performance, goals, and costs. One scan gives you the full picture.
Overlap Analysis
See exactly which funds hold the same stocks. Know where your diversification is real — and where it's an illusion.
Goal Fit Analysis
Are your investments aligned with retirement, education, or wealth goals? We check the fit against your real timeline.
Action Suggestions
Not just "you have a problem." Instead: "switch this fund to this one, and here's why." Specific. Actionable.
Better Investment Journey
Don't just fix once. bachao.money guides your ongoing decisions as your life, income, and goals evolve.
Overlap Analysis
Your Risk
Aggressive
Above your profile
Ideal Risk
Moderate
Based on your goals
AI Recommendation
Consider switching HDFC Mid-Cap to a fund with lower overlap. Your mid-cap exposure would improve by 34%.
See your portfolio through AI eyes
bachao.money doesn't just track your funds — it understands them. Our AI analyzes every holding to surface issues no dashboard can show you.
Why bachao.money
Most platforms show you the problem.
We show you the fix.
The usual approach
You get the data — and then you're on your own to figure out what it means and what to do.
The bachao.money approach
Every finding comes with a clear action plan. No research marathons. No guesswork.
AI diagnosis, not dashboards
We find specific problems — overlap at 67%, risk 2 levels above your profile — not just colorful charts.
Suggestions per fund
Not generic advice. Specific actions for each holding: keep, switch, reduce — and the reasoning behind it.
Your goals, your plan
Recommendations align with your risk tolerance, timeline, and life goals — not one-size-fits-all templates.
Analysis is where others stop. It's where we start.
See it for yourselfProduct Preview
See bachao.money in action
Six screens. Every dimension of your portfolio, diagnosed and actionable.
Good morning
Your Portfolio
Funds
8
Issues
5
Savings
₹24.5K
Risk
High
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FAQ
Questions? Answered.
Yes. We use bank-grade encryption for all data at rest and in transit. We only request read-only access to your portfolio — we can never make transactions or changes on your behalf. Your data is never sold to third parties.
Our AI engine scans your entire mutual fund portfolio across multiple dimensions — fund overlap, risk profiling, benchmark performance, goal alignment, and expense efficiency. It then generates a prioritized list of findings with specific, actionable recommendations for each fund.
Portfolio review and analysis is free — and will stay free. We believe every investor deserves to understand their portfolio. Our revenue comes from helping users take better investment actions, not from gating insights behind a paywall.
bachao.money is an analytics and information platform, not a registered investment advisor. We provide AI-powered analysis and suggestions based on your portfolio data. All investment decisions remain yours.
All AMFI-registered mutual funds in India. Whether you invest through Groww, Zerodha, Kuvera, or any other platform or distributor — we can analyze your portfolio.
Upload a CAS (Consolidated Account Statement) from CAMS or KFintech, or connect your holdings directly. The entire process takes under a minute.
Most platforms stop at showing you data — returns, allocation charts, NAV history. bachao.money goes further: we use AI to diagnose specific problems in your portfolio and tell you exactly what to fix, fund by fund. The difference is action, not just insight.
Still have questions? Reach out to us
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