Research desk for your own money
You know what you own. Not whether it’s any good.
AlphaNivesh reads your holdings the way an analyst would — what they cost you, where you are exposed, what quietly overlaps — and shows the working behind every number.
What we examine
Every check, run over your actual holdings.
Nothing here is a rule of thumb applied to a category. Each check runs against your positions, with thresholds you can see and numbers you can verify against your own statement.
What you are paying
Regular plans where a direct one exists, and what the difference costs you every year. Schemes that do not state their plan are excluded rather than guessed at.
Where you are exposed
How much rests on one holding, on the largest five, and on a single fund house. Owning thirty funds is not the same as being spread across thirty things.
What is asleep
Money left in liquid and overnight funds long after it stopped being short-term money, earning less than it would almost anywhere else.
What you own twiceNext
Where several of your funds hold the same underlying stocks, so the diversification you are paying for is smaller than it looks.
How we work
Computed, not generated.
Every figure on this platform is arithmetic over your holdings. Run it twice and you get the same answer, because there is no model guessing in the middle.
The working is always shown
Each finding carries the holdings, thresholds and figures that produced it. If you disagree with a conclusion, you can see exactly which number to argue with.
Estimates are labelled
Where a figure rests on a published average rather than your own data, it says so and names the assumption. A confident number built on a hidden guess is worse than no number.
Silence is a valid answer
A portfolio with nothing wrong with it returns nothing. We would rather tell you there is no problem than manufacture one to fill a screen.
Bad data is quarantined
Statements arrive malformed more often than you would think. Holdings that fail arithmetic checks are set aside and flagged, not folded into your net worth.
What it reads
One statement carries more than people expect.
A consolidated account statement covers most of what you hold. Where no statement exists, you add the holding once and it is tracked from then on.
Shares and ETFs
Everything in demat, with quantity and cost.
From your statementMutual funds
Every folio, every fund house, demat or not.
From your statementBonds and G-secs
Corporate bonds, government paper, treasury bills.
From your statementGold
Sovereign gold bonds and gold funds.
From your statementPension
Your NPS balance and how it is invested.
From your statementInsurance
Policies carrying a value, with premium and cover.
From your statementDeposits and small savings
Fixed and recurring deposits, PPF, EPF.
Added by youProperty and the rest
Land, a flat, unlisted shares, anything you want counted.
Added by youFor advisers
The same examination, across your whole book.
Registered advisers, distributors and family offices work from the same consolidated view and the same computed findings the client sees. What each of you may do is governed by the mandate on record, not by convention.
Built around how you already work
- Every client's holdings across every asset class, consolidated
- Findings computed per client, with the working attached
- Advice and distribution recorded separately, and enforced
- Households grouped, so a family reads as one position
- A trail behind every recommendation and every change
Begin
Find out what your portfolio is really doing.
One statement is usually enough to start.