Talk to your
mutual funds.
NiveshLens is an AI analytics desk for Indian mutual funds. Ask anything in plain English — it reads 20 years of NAV history, scores every scheme daily on past performance, and shows the real stocks inside your portfolio.
Across your 8 funds, your top real holding is HDFC Bank at 6.9% — held by 5 of them.
Your true large-cap exposure is 71%, not the 58% your fund labels suggest.
Every app lets you browse funds.
We let you interrogate them.
Browsing, SIPs, NAV charts and star ratings are table stakes — every app has them. NiveshLens is the only one that answers questions from 20 years of data on command and X-rays your funds down to the individual stocks you actually own.
Ask anything in plain English — get a cited answer from 20 years of NAV history, your portfolio and every scheme's holdings. No other Indian app does this.
We decompose every fund into its underlying stocks and de-duplicate across your whole portfolio — the concentration you never knew you had.
Own the same company through six funds? Paying two fees for one portfolio? We surface it — because we look inside the fund, not just at its label.
One research desk, many lenses.
Talk to your mutual funds
NiveshLens Chat plugs into the same fund data, NAV history and portfolio diagnostics as the rest of the app. Ask in plain English — get back a cited, source-linked answer in seconds.
- Cited, source-linked answers
- Tax, SIP math, fund switches, goal planning
- Streams in under a second
I can’t advise on switching, but here’s the data: Motilal leads on 3y rolling alpha (+4.2%) while its expense ratio is 0.62% higher.
Their holdings overlap 31%. Analytics, not advice — you decide.
Every Indian scheme, ranked daily
FundScore ranks 4,500+ mutual funds by percentile using 20 years of NAV history, rolling alpha and risk-adjusted returns — refreshed every day, never hand-edited.
- Percentile leaderboard across every category
- Rolling alpha vs the right benchmark
- 20+ years of NAV history
See the stocks you really own
Upload your CAS once and NiveshLens decomposes every mutual fund into its underlying stocks — surfacing the concentrated bets you never knew you were making.
- Stock-level overlap across funds
- Sector & market-cap concentration
- De-duplicated from all your holdings
| RELIANCE | 8.4% | |
| HDFCBANK | 6.9% | |
| INFY | 5.2% | |
| ICICIBANK | 4.8% |
One view for the whole family
Link family members and see aggregated, de-duplicated exposure across everyone's portfolios — so household-level concentration and overlap never hide in separate logins.
- Family-aggregated exposure
- Per-member breakdown
- Shared goals and planning
- You62%
- Spouse24%
- Parent14%
Eleven calculators that don't lie
SIP, lumpsum, EMI, CAGR and more — plus head-to-head comparisons: SIP vs FD, SIP vs PPF, SIP vs lumpsum and step-up SIP. Live charts, year-by-year tables, computed privately in your browser.
- 11 formula-driven tools
- Comparisons with a clear verdict
- Inflation-adjusted, client-side, private
Funds, head to head
Put any two funds side by side on returns, risk, cost and holding overlap — and decide with evidence instead of star ratings.
- Rolling returns & drawdowns
- Holding overlap %
- Expense-ratio gap
| Metric | Fund A | Fund B |
|---|---|---|
| 3y CAGR | 18.2% | 16.4% |
| Expense | 0.71% | 1.33% |
| Overlap | 31% | 31% |
| Max drawdown | −24% | −29% |
Plan your financial freedom
Set your goals, find the age you can stop working, and track progress as your portfolio grows — with the exact SIP you'd need to get there sooner.
- Financial-freedom age planner
- Goal tracking with progress
- The SIP needed to hit each goal
| Ticker | Name | % port | 90d | Δ |
|---|---|---|---|---|
| RELIANCE | Reliance Industries | 8.4% | +12.3% | |
| HDFCBANK | HDFC Bank | 6.9% | +4.1% | |
| INFY | Infosys | 5.2% | -2.7% | |
| ICICIBANK | ICICI Bank | 4.8% | +9.6% | |
| TCS | Tata Consultancy | 4.3% | +6.8% |
See what you
really own.
Upload your CAS (Consolidated Account Statement) once. NiveshLens decomposes every mutual fund into its underlying stocks and shows you the concentrated bets you never knew you were making.
- Stock-level overlap across funds
- Sector & cap concentration
- Family-aggregated exposure
Numbers, not narratives.
Independent. Evidence-based. Yours.
We don't sell funds and earn ₹0 in distributor commissions, so our ratings have nothing to push.
NAVs from AMFI, indices from NSE & BSE, rates from RBI — refreshed daily, never hand-edited.
Every calculator runs in your browser. No numbers you enter are sent to our servers.
“The look-through finally showed me I was over-exposed to the same five stocks across four funds.”
“I used the SIP vs FD comparison to settle a family argument in about thirty seconds.”
Stop guessing.
Start researching.
NiveshLens is built for investors who care about evidence. Try the entire analytics desk free — no card, no broker integrations, no commissions.