Your funds, explained.
Every scheme in your CAS, across fund houses: the real yearly return on what you've put in, an estimate of the tax if you sold today, what regular plans cost you, which funds hold the same stocks, and when units turn long-term or unlock, worked out by code from your own statement and valued at AMFI's daily NAVs. Or a fund's factsheet, before you invest.
Equity, debt, hybrid, index and ELSS (tax-saver) funds, and new fund offers (NFOs).
You do
about 5 minutes- 1.Get your CAS
A free PDF from MF Central, CAMS or KFintech. Choose Detailed, since inception. Takes about 5 minutes. - 2.Upload it here
Type the PDF's password once when Myra asks. - 3.Add factsheets (optional)
The monthly factsheet of each fund, from the fund house's website.
You get
one report, all fund houses- Today's value of every fund, at AMFI's daily NAV
- Your real yearly return (XIRR), fund by fund and in all
- Estimated tax if you sold today, purchase by purchase
- Gains already booked this year
- When units turn long-term, or ELSS units unlock
- What regular plans cost you against direct plans (needs factsheets)
- Portfolio X-Ray: the companies you own through all your funds, by sector and size (needs factsheets)
- Exit loads that would apply if you sold (needs factsheets)
We never
- Log in anywhere for you, or ask for an OTP
- Store your PDF password
- Copy your PAN, name, address or nominees
- Tell you what to buy, sell or switch
Your portfolio, at a glance.
In rupees, from the documents.
On the samples: money you may be owed, could save, or have at risk. Each figure is a finding's own, with its calculation and source; options are never added together.
How to get your CAS.
A consolidated account statement (CAS) lists every fund, folio and transaction under your PAN. It's free, you download it yourself, and you upload the PDF here. Myra never signs in anywhere for you.
- Sign in on MF Central with your PAN and the OTP sent to your phone (on their site, not here).
- Ask for the Consolidated Account Statement: Detailed, since inception.
- Download the PDF, or have it emailed; note the password it says to use.
- Open the CAS request under investor services on the CAMS website.
- Choose: statement type Detailed, period Since inception, with zero-balance folios if you've sold anything this year.
- Enter your email and choose a password for the PDF. It arrives by email in a few minutes.
- Open the consolidated account statement request on KFintech's investor site.
- Choose Detailed and the full period, from your first investment.
- Set a password; the PDF comes to the email linked to your folios.
Choose “Detailed”, since inception
The summary version lists only what you hold. The real return, the cost of each unit and the tax on selling need every purchase since your first one. A statement for a recent period works too, but Myra will say which schemes need the full history.
What a CAS may leave out
Fund units held in a demat account aren't in the MF Central, CAMS or KFintech statement; they're in the monthly CAS from NSDL or CDSL, which shows transactions for that month only. Folios not linked to your PAN are missed too. Add those statements to the same check; Myra joins them and says where a history is incomplete.
The PDF password
CAS files are password-protected. When you upload, Myra asks for it once, opens the file on our server and forgets it. It is never saved. Your PAN, name, address and nominees aren't copied from the statement.
Today's value
Myra values the units in your statement at AMFI's published NAV for each scheme, so the report stays current. Anything bought or sold after the statement date isn't included until you upload a newer one.
Before you invest: what to upload.
There's no statement before you invest, so Myra reads the fund's own documents. It sees there's no CAS and explains the fund instead of a portfolio; you don't need to tell it.
One fund
Upload its factsheet: the fund explained, with its cost over the years in the studio. Sample
Choosing between funds
Put 2 or 3 factsheets in one check: cost, risk, past returns and overlap side by side. Two index funds on the same index are compared on cost and tracking. Sample
Adding to what you hold
Upload your CAS with the new fund's factsheet: Myra shows how much it overlaps with the funds you already own.
What your money has earned a year.
XIRR for each scheme and the whole portfolio, counting the date of every SIP, purchase and sale, set beside the same money in a deposit. Free, no sign-in.
Eight checks, one report.
Each one runs only when your documents support it, cites the line it used, and says what's still to confirm.
The tax, before you sell.
Pick a scheme and how many units. See which purchases they come from, the tax at your slab, and what waiting until they turn long-term would change. Numbers, not a recommendation.
| Bought | Units | Cost | Gain | How it's taxed |
|---|---|---|---|---|
| 10 Dec 2021 | 165.920 | ₹8,002 | ₹4,989 | Long-term, equity |
| 10 Jan 2022 | 204.550 | ₹10,000 | ₹6,015 | Long-term, equity |
| 10 Feb 2022 | 202.192 | ₹10,000 | ₹5,830 | Long-term, equity |
| 10 Mar 2022 | 200.443 | ₹10,000 | ₹5,693 | Long-term, equity |
| 10 Apr 2022 | 198.912 | ₹10,000 | ₹5,573 | Long-term, equity |
| 10 May 2022 | 197.812 | ₹10,000 | ₹5,487 | Long-term, equity |
| 10 Jun 2022 | 197.039 | ₹10,000 | ₹5,427 | Long-term, equity |
| 10 Jul 2022 | 196.605 | ₹10,000 | ₹5,393 | Long-term, equity |
| 10 Aug 2022 | 196.435 | ₹10,000 | ₹5,379 | Long-term, equity |
| 10 Sep 2022 | 196.494 | ₹10,000 | ₹5,384 | Long-term, equity |
| 10 Oct 2022 | 196.709 | ₹10,000 | ₹5,401 | Long-term, equity |
| 10 Nov 2022 | 197.028 | ₹10,000 | ₹5,426 | Long-term, equity |
| and 47 more purchases | ||||
- Long-term equity gains (₹76,998 exempt)₹1,67,554
- Short-term equity gains at 20%₹5,466
- If sold on 11 Oct 2027, when these units are all long-term (same NAV)₹12,483 tax
What your funds actually own.
Ten funds can still mean the same few companies. See each company you own through all your funds, in rupees, which funds it comes from, and the split by sector and company size.
| Company | Amount | Share | Sector | Through |
|---|---|---|---|---|
| Meru Bank Ltd | ₹1,77,006 | 9.48% | Banks | Kaveri Nifty 50 Index, Tapti Flexi Cap, Sahyadri ELSS Tax Saver |
| Kaveri Infotech Ltd | ₹1,30,452 | 6.98% | IT | Kaveri Nifty 50 Index, Tapti Flexi Cap, Sahyadri ELSS Tax Saver |
| Shivalik Energy Ltd | ₹1,23,199 | 6.60% | Energy | Kaveri Nifty 50 Index, Tapti Flexi Cap, Sahyadri ELSS Tax Saver |
| Deccan Finance Ltd | ₹1,09,183 | 5.85% | Finance | Kaveri Nifty 50 Index, Tapti Flexi Cap, Sahyadri ELSS Tax Saver |
| Vindhya Motors Ltd | ₹72,435 | 3.88% | Auto | Tapti Flexi Cap, Kaveri Nifty 50 Index, Sahyadri ELSS Tax Saver |
| Konkan Telecom Ltd | ₹58,598 | 3.14% | Telecom | Kaveri Nifty 50 Index, Tapti Flexi Cap |
| Nilgiri Foods Ltd | ₹57,606 | 3.08% | FMCG | Tapti Flexi Cap, Kaveri Nifty 50 Index |
| Satpura Pharma Ltd | ₹53,451 | 2.86% | Pharma | Tapti Flexi Cap, Kaveri Nifty 50 Index, Sahyadri ELSS Tax Saver |
| Aravalli Cement Ltd | ₹38,944 | 2.09% | Cement | Tapti Flexi Cap, Kaveri Nifty 50 Index |
| Ganga Power Ltd | ₹37,091 | 1.99% | Power | Tapti Flexi Cap, Kaveri Nifty 50 Index |
| Thar Chemicals Ltd | ₹34,493 | 1.85% | Chemicals | Tapti Flexi Cap, Sahyadri ELSS Tax Saver, Godavari Mid Cap |
| Malabar Steel Ltd | ₹33,882 | 1.81% | Metals | Tapti Flexi Cap, Kaveri Nifty 50 Index |
| Sundarban Paints Ltd | ₹17,530 | 0.94% | Consumer | Sahyadri ELSS Tax Saver, Godavari Mid Cap |
| Hemkund Consumer Ltd | ₹13,897 | 0.74% | FMCG | Kaveri Nifty 50 Index |
| Pench Logistics Ltd | ₹4,966 | 0.27% | Logistics | Godavari Mid Cap |
As the factsheets split it, for the 92% of your money in funds that print it; the rest is debt and cash.
Based on holdings covering 55% of Tapti Flexi Cap (30 Sep 2026) and 60% of Kaveri Nifty 50 Index (30 Sep 2026); the real overlap could be higher.
| Stock | Tapti Flexi Cap | Kaveri Nifty 50 Index |
|---|---|---|
| Meru Bank Ltd | 8.90% | 12.60% |
| Kaveri Infotech Ltd | 7.20% | 8.10% |
| Deccan Finance Ltd | 6.10% | 7.30% |
| Shivalik Energy Ltd | 5.60% | 9.40% |
| Vindhya Motors Ltd | 4.80% | 3.90% |
| Nilgiri Foods Ltd | 4.10% | 3.80% |
| Konkan Telecom Ltd | 3.50% | 4.60% |
| Ganga Power Ltd | 2.50% | 2.60% |
| Tapti Flexi Cap | Kaveri Nifty 50 Index | Sahyadri ELSS Tax Saver | Godavari Mid Cap | |
|---|---|---|---|---|
| Tapti Flexi Cap | — | 47% | 33% | 3% |
| Kaveri Nifty 50 Index | 47% | — | 28% | 0% |
| Sahyadri ELSS Tax Saver | 33% | 28% | — | 7% |
| Godavari Mid Cap | 3% | 0% | 7% | — |
Rules, not search results.
The income-tax rules applied by the date of each purchase and sale, and SEBI's rules on plans and costs. Myra never calls a figure wrong without saying which rule and which line of your statement it used.
| Area | What Myra checks on your funds |
|---|---|
| Equity funds | At least 65% in Indian shares. Long-term after 12 months: 12.5% on gains above ₹1.25 lakh a year in all; short-term 20% (sales from 23 Jul 2024). Gains up to 31 Jan 2018 aren't taxed (grandfathering). |
| Debt funds | Units bought from 1 Apr 2023 in a fund with more than 65% in debt: taxed at your slab however long held. Older units: long-term after 24 months at 12.5%. |
| Other funds | Gold, international, and hybrid funds that are neither: long-term after 24 months at 12.5%, short-term at your slab. |
| Dividends (IDCW) | Taxed at your slab. The fund house deducts 10% TDS when the year's dividends from it are above ₹10,000 (₹5,000 before Apr 2025). |
| Costs on every trade | Stamp duty of 0.005% on each purchase; STT of 0.001% on selling equity fund units; an exit load only within each scheme's load period. |
| ELSS | Each purchase (every SIP instalment) is locked in for 3 years from its own date. |
| Regular and direct plans | The same portfolio; a regular plan's expense ratio includes the distributor's commission, which a direct plan doesn't pay. |
| Complaints | The fund house's investor service first; if unresolved in 21 days, SEBI's SCORES portal, then the online dispute resolution platform. |
Questions investors actually ask.
Answered from your statement and factsheets, with the line, the calculation and what's still unconfirmed. Myra explains; it doesn't tell you what to buy or sell.
My portfolio
Before investing
Index funds
Hybrid funds
Debt funds
Know what your funds really earn.
Mutual funds in India, from your CAS or a factsheet. The samples use invented fund houses and companies.