Mutual fund portfolio intelligence
Niyojan analyses your mutual fund portfolio at the stock level — showing you real overlap, hidden concentration risks, and data-backed recommendations. No trades, no commissions. Just clarity.
Currently in early access for Indian mutual fund investors.
The problem
You hold 5 funds thinking you're diversified, but 3 of them own the same top stocks. You're paying 3 expense ratios for the same exposure.
Is your fund actually good, or just riding a bull market? Without percentile rankings against category peers, you can't tell.
54% of your portfolio in one fund house? If that AMC faces regulatory issues, your entire portfolio is exposed. Most apps don't flag this.
Expense ratios are buried in fine print. You don't know how much you're actually paying in fees — or whether a cheaper alternative exists.
What Niyojan does
How it works
Request your CAS from CAMS or KFintech, or enter your holdings manually. We parse every transaction, folio, and NAV automatically.
Within seconds, see your portfolio health score, stock-level overlap, concentration risks, expense ratio breakdown, and fund-by-fund percentile rankings.
Receive specific, data-backed suggestions — which fund to watch, which to replace, where to diversify. Each recommendation explains why, with real numbers.
Our philosophy
Niyojan doesn't execute trades or earn commissions. We have zero incentive to push you toward any particular fund. Our only job is to give you the clearest picture of your portfolio.
Every number you see — percentile ranks, overlap percentages, health scores — comes from real calculations on real fund data. We source NAVs from AMFI, holdings from fund house disclosures, and expense ratios from regulatory filings.
A fund having a bad year doesn't mean it's a bad fund. If its 3-year and 5-year track record is strong, we'll tell you to watch it, not panic-sell. Context matters, and our recommendations reflect that.
Niyojan is a new product. We're not going to claim millions of users or industry awards we don't have. We're building something genuinely useful, one feature at a time, and we'd rather earn your trust than manufacture it.
Data integrity
Questions
No. Niyojan is an analysis and intelligence tool. We don't execute trades, manage money, or provide personalized investment advice. We help you understand what you already own.
We're currently in early access and focused on building the best product. We don't earn commissions on fund sales. Our future business model will be transparent and aligned with your interests — not fund distributors'.
Your data is encrypted in transit and at rest. We don't share your portfolio data with third parties. We don't sell data. Your CAS is processed to deliver the app's features to you — nothing else.
We use actual stock-level holdings from monthly fund disclosures. This is the same data fund houses report to SEBI. It's as accurate as the source — typically updated monthly.
It's a composite score (0–100) across five dimensions: diversification quality, overlap pressure, concentration risk, cost efficiency, and fund quality. Each dimension is scored independently so you can see exactly where your portfolio is strong or weak.
Yes. Niyojan is free during early access. We'll communicate any changes well in advance.