Indian Stocks Portfolio Analytics

Absolute return shows the total percentage gain or loss on your investment. XIRR shows your annualised return after adjusting for when each investment was made. XIRR is more useful when you buy or sell stocks at different times.

XIRR reflects both how much your portfolio grew and when your money was put to work. If a large chunk of your capital was invested recently, XIRR will be lower even if the portfolio has done well in absolute terms, because that newer capital has had less time to compound. XIRR is an honest measure: it rewards early investing and long holding periods.

Benchmark comparison shows how your portfolio has performed compared to a market index such as Nifty 50. It helps you see whether your stock portfolio is beating, matching or lagging the broader market.

Most investors assume they are diversified but end up with high concentration in one or two sectors, especially if they have bought multiple banking or IT stocks. If those sectors underperform, your portfolio is hit harder than a spread portfolio would be. The sector allocation view surfaces this risk clearly so you can rebalance with intent rather than react in hindsight.

Yes. INDmoney lets you link multiple family member accounts and view each of them individually, or see a consolidated family portfolio combining returns, allocation, and holdings across all accounts.

Yes. By looking at sector allocation, market cap allocation, top gainers and underperformers, you can identify overexposure and decide whether your portfolio needs rebalancing.

Start with total portfolio value, absolute return and XIRR. Total value tells you where your portfolio stands today. Absolute return tells you total gain or loss. XIRR tells you how efficiently your money has grown over time after adjusting for investment dates.

Check sector allocation and stock-level exposure. If a large part of your portfolio is invested in one sector or one stock, your portfolio may be more sensitive to that sector or company’s performance.