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Arthavi AI is India's first portfolio-aware investment assistant. It reads your actual mutual fund and stock holdings to give you real, data-driven answers — not generic advice.

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Arthavi AI Reading your portfolio...
My portfolio has 5 mutual funds. Do any of them overlap?
Yes — I found significant overlap. Mirae Asset Large Cap and Axis Bluechip Fund have a because both track Nifty 100 constituents. Their top common holdings are Reliance, HDFC Bank, and Infosys.

Parag Parikh Flexi Cap has minimal overlap with these two (only ~18%), which is good for diversification. I'd suggest consolidating Axis Bluechip into Mirae or replacing one with a mid/small-cap scheme.

Note: This is not SEBI-registered financial advice. Please consult a financial advisor before making major investment decisions.
Which of my stocks is dragging returns the most?
Based on your holdings, Zomato (−22% return) and Paytm (−38% return) are your biggest underperformers. Together they account for roughly but are dragging your overall stock XIRR from ~14% down to ~9.8%.

Your best performers are Tata Consultancy Services (+31%) and Titan Company (+27%). Want me to suggest any rebalancing strategy?

What You Can Ask Arthavi AI

Arthavi AI is scoped specifically to Indian mutual funds and stocks. It has read-only access to your portfolio data and can search the web for current market information.

Portfolio Overlap Analysis

Find out if multiple mutual fund schemes you hold are investing in the same stocks, defeating the purpose of diversification.

"Do my 5 mutual funds overlap with each other?"

XIRR & Returns Analysis

Get accurate XIRR calculations based on your actual SIPs, lumpsum investments, and redemptions — not simplified averages.

"What is my XIRR for the last 3 years?"

Benchmark Comparison

Compare your actual portfolio XIRR against Nifty 50, Nifty Midcap 150, or any index to understand if you're beating the market.

"Am I beating Nifty 50 over 5 years?"

Sector Concentration Check

Detect if you're overweight on any sector — Banking, IT, Pharma, Energy — across both your mutual funds and direct stocks.

"Am I over-exposed to Banking & Finance?"

AMC Concentration Analysis

Find out if you have too much exposure to a single AMC (like HDFC or SBI) and what redistribution would look like.

"How much of my portfolio is with HDFC AMC?"

Improvement Suggestions

The AI suggests which fund categories might be missing from your portfolio — mid/small-cap, debt, international — for better balance.

"How can I improve my portfolio diversification?"

Questions You Can Ask Right Now

These are real capabilities of Arthavi AI — not sample prompts for a generic AI.

✦"What is my current net worth in mutual funds and stocks?"
✦"Show me my top 5 performing mutual funds by XIRR."
✦"Which mutual funds are tracking similar indices?"
✦"What percentage of my portfolio is in small-cap?"
✦"How is HDFC Flexi Cap Fund performing vs category average?"
✦"Which stocks should I consider for long-term investing?"
✦"Am I overweight on IT sector stocks?"
✦"Compare Nifty 50 vs my portfolio returns last 3 years."
✦"What is the debt to equity ratio in my portfolio?"
✦"Which of my SIPs has the best return per rupee invested?"
✦"How diversified is my portfolio across AMCs?"
✦"Give me a summary of my portfolio health."

Privacy-First AI — Your Data Stays Yours

We know the concern: "Is my financial data being sent to ChatGPT?" The answer is no.

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Read-Only Access

Arthavi AI has read-only access to your portfolio. It cannot execute trades, redeem funds, or change settings.

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No Training on Your Data

Your portfolio data is never used to train AI models. Each query is processed in isolation for your session only.

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Encrypted Transmission

All data sent to the AI layer is encrypted with TLS. It follows the same privacy-first architecture as the rest of Arthavi.

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You Control It

AI features can be enabled or disabled at any time from your settings. No lock-in.

What Arthavi AI Covers

✓ Indian Mutual Funds (all AMCs)
✓ NSE / BSE Listed Stocks
✓ Portfolio Overlap Analysis
✓ XIRR, Returns, Asset Allocation
✓ Market Trends via Web Search
✗ Cryptocurrency
✗ US Stocks / International Equities
✗ Real Estate / Gold / PPF
✗ Trade Execution (ever)

Why Indian Investors Need a Portfolio-Aware AI

Most Indian investors manage their money across multiple platforms — SIPs on Groww, direct equity on Zerodha, and NPS through their employer. When it comes to understanding the full picture, they're left manually calculating XIRR in Excel or guessing if they're over-diversified.

Arthavi AI changes that. Unlike generic AI chatbots (ChatGPT, Gemini) that know nothing about your portfolio, Arthavi AI has real-time access to your actual holdings through secure, read-only API calls. When you ask "What is my XIRR for the last 5 years?", it doesn't guess — it calculates using your transaction data.

Portfolio Overlap: A Problem Most Investors Don't Know They Have

A very common mistake among SIP investors in India is holding multiple large-cap mutual funds that track the same Nifty 100 constituents. For example, Mirae Asset Large Cap and Axis Bluechip Fund might have 70%+ stock overlap, meaning you're effectively paying two expense ratios for the same exposure.

Arthavi AI can detect this automatically. You just need to ask: "Do my mutual funds overlap?" and it analyzes the schemes' category, AMC, and known index tracking to flag redundancy.

Sector Concentration: The Hidden Portfolio Risk

Many Indian investors are unknowingly overweight in Banking & Finance — both through direct stocks (HDFC Bank, ICICI Bank) and through their mutual funds (which themselves allocate heavily to financials). Arthavi AI can compute your total sector exposure across both asset classes and flag if you're concentrated beyond healthy levels.

Benchmark Comparison: Are You Actually Beating the Market?

XIRR alone doesn't tell the full story. If your portfolio returned 12% XIRR but Nifty 50 returned 15% in the same period, you're actually underperforming. Arthavi AI fetches live benchmark data and compares it with your calculated XIRR — so you know exactly where you stand.

The Responsibility of AI in Finance

Arthavi AI provides analytics, not advice. All AI-generated responses carry a brief disclaimer reminding users that AI insights are informational and not a substitute for SEBI-registered financial advice. We believe in empowering investors with data — not replacing professional judgment with algorithms.

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