MF Analyser - India's Best Free Mutual Fund Analysis Tool

Put schemes next to each other and read the whole picture at once — returns, risk-adjusted ratios and the NAV chart together. Three at a time on the free plan, six on Pro.

1Y / 3Y / 5Y CAGR Sharpe Sortino Beta Live NAV charts

Try the compare tool →

mfanalyser.com/mutual-funds/compare

CategoryFundsAvg holdingsAssets

Index Funds37166.7₹2.82L Cr

Other ETFs29750.6₹8.38L Cr

Sectoral/ Thematic24944.9₹5.10L Cr

FoF Domestic1364.3₹2.25L Cr

Returns by category, from AMFI’s own NAV ★

Every SEBI category, sorted daily on NAV-based return. A sort, not a verdict — and never reordered by who pays a commission.

Every SEBI category Sorted daily No broker bias

See returns by category →

mfanalyser.com/mutual-funds/top-funds

By categoryFunds in each

Index Funds371

Other ETFs297

Sectoral/ Thematic249

FoF Domestic136

Deep dive into any mutual fund

Five tabs unpack one scheme: how it performed, what it holds, how it sits against its peers, who runs it, and what has been filed about it.

Performance Risk Holdings Peers AMC News

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mfanalyser.com/mutual-funds/screener

PerformanceRiskHoldingsPeersAMC

5Y CAGR

26.1%

Sharpe

1.48

Max DD

-19%

10Y NAV Heatmap

SIP & lumpsum planning calculators

Model exactly how your wealth compounds — monthly SIP, step-up SIP, one-time lumpsum or a target-driven goal plan.

SIP projection Step-up SIP Lumpsum Goal planning

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mfanalyser.com/mutual-funds/compare

Projected value · 15 yrs

₹1.02 Cr

Invested

₹27 L

— What you can do here

Eight things this tool does, and where each one lives

Every one of these runs on AMFI's published NAV and the portfolios the fund houses file. Nothing is behind a form.

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Compare side by side

Put schemes next to each other and read the same 39 measures for each — returns, risk ratios, drawdown, SIP maths and the NAV chart.

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Returns by category

Every SEBI category with its schemes ordered by NAV-based return. A sort, not a verdict — the order comes from arithmetic, nothing else.

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Screener

Narrow the whole universe by category, plan and fund house, and land on a real page you can send to somebody.

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Holdings and overlap

What a fund actually owns, and how much of it the fund beside it owns too. Two schemes can be one portfolio wearing two names.

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SIP calculator

Month by month, with step-up, expense drag and the frequency you actually invest at — not a single compounding formula.

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Four more calculators

Lumpsum, SWP, retirement and XIRR. The XIRR one agrees with a spreadsheet on the same cash flows, which is the only test that matters.

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Every category explained

All 35 SEBI categories, what each one must hold, who it suits and how long it wants to be left alone.

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Every fund house

Each AMC and the schemes it runs, so you can see a house's whole range in one place instead of one fund at a time.

— Why MF Analyser

Research you can actually trust

No hidden commissions, no inflated star ratings. Just transparent math on official data.

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Sorted on NAV alone

Every ordering comes from actual NAV movement — never reshuffled by broker commissions or sponsored placement.

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Arithmetic you can check

Standard formulas on AMFI’s published NAV — CAGR, XIRR, Sharpe, Sortino, Beta, drawdown. Nothing proprietary, so any figure here can be reproduced in a spreadsheet.

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Updated daily at 9 PM

Refreshed straight from AMFI India after market close — you always research with the latest official NAVs.

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Free to start, free to stay

No signup wall. Every scheme, every category page and all five calculators cost nothing. The screener, holdings and the portfolio builder sit on the paid plans.

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Research, not advice

MF Analyser is not a SEBI-registered investment adviser and does not recommend, rate or sell schemes. It shows the numbers; the decision is yours or your adviser’s.

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Built for India

Built around SEBI’s own scheme categories, Indian tax rules and AMFI’s data, rather than a foreign tool bent to fit.

— How it works

From question to confident decision in three steps

1

Search or browse

Find any fund by name, or explore every SEBI category, sorted on live NAV-based return.

2

Analyse & compare

Read 20+ metrics on a single fund or stack up to six funds side by side.

3

Save & share

Bookmark recommendations and export clean, branded reports for your clients.

— Plans

Research is free. Two plans open the deeper tools.

Every scheme, every category page and the calculators cost nothing and always will. Pro and Advisor exist for the screener, the holdings work and the portfolio builder. Prices are per month, in rupees, and include GST.

Free

₹0 / forever

Enough to research a fund properly and decide for yourself.

✓ Every Indian scheme, on live AMFI data
✓ Compare up to 3 schemes side by side
✓ Returns, NAV history and the core risk numbers
✓ SIP calculator and the goal planner
✓ All category and fund-house pages

Start researching

Most chosen

Pro

₹340 / month

The screener, the full metric set and what the funds actually hold.

✓ Everything in Free
✓ Compare up to 6 schemes at once
✓ All 39 metrics in the comparison table
✓ The full Research tab — market, categories, sectors
✓ Fund screener across every scheme
✓ Holdings, overlap and the monthly changes

See what Pro opens →

Advisor

₹800 / month

For somebody screening on their own rules, not ours.

✓ Everything in Pro
✓ Portfolio Builder — your own metrics and thresholds
✓ Run your rules across every scheme at once
✓ Save and reuse your own templates
✓ Export what you build

See what Advisor opens

What each plan opens, side by side
What you get	Free	Pro	Advisor
Price per month	₹0	₹340	₹800
Every scheme, live AMFI NAV	Yes	Yes	Yes
Schemes compared at once	3	6	6
Metrics in the comparison table	Core set	All 39	All 39
Category and fund-house pages	Yes	Yes	Yes
SIP, lumpsum, SWP, retirement, XIRR	Yes	Yes	Yes
Research tab: market, categories, sectors	No	Yes	Yes
Fund screener	No	Yes	Yes
Holdings, overlap, monthly changes	No	Yes	Yes
Portfolio Builder, your own rules	No	No	Yes
Export what you build	No	No	Yes

How billing works

One month at a time. There is no auto-renewal, no card kept on file and no trial that starts charging quietly. When the month ends the account returns to Free and everything you saved stays where it is.

What the paid plans are not

They do not buy advice, a recommendation, or a fund. MF Analyser does not sell schemes and earns nothing from an AMC. A plan opens tools; what you do with the output is your decision or your adviser’s.

Who you are paying

Payments are collected by RAJDEVAM CROCERY, the registered entity behind MF Analyser, a brand of InvestVerdict (owner: Dev Goyal, GSTIN 09DKTPG0066C1Z6). The billing details, refund terms and grievance contact are set out in full on the pricing page.

— Know this before you buy

Direct plan or Regular plan

Every scheme in India is sold in two plans. Same manager, same portfolio, same NAV history behind it — and a fee gap that compounds for as long as you hold it. MF Analyser shows both, so the gap is never hidden.

Direct

Bought from the AMC itself

No distributor sits in the middle, so no commission is paid out of the fund. The expense ratio is lower, usually by half a percent to one and a half percent a year, and that difference stays invested.

Lower expense ratio, higher NAV over time
You do your own research and your own paperwork
Bought on the AMC’s site or an RTA platform

Regular

Bought through a distributor

A trail commission is paid out of the scheme every year for as long as you hold it. That is what pays the person who advised and services you — which for many investors is worth paying for.

Higher expense ratio, lower NAV over time
Somebody handles the choosing and the servicing
Bought through a bank, broker or MFD

What one percent does over ten years

An illustration, not a projection. Take a ₹10,000 monthly SIP held for ten years. Give the Direct plan 12% a year and the Regular plan 11% — a one percent fee gap, nothing else different.

Direct, at 12%₹23.00 lakh

Regular, at 11%₹21.70 lakh

The fee gap, after ten years₹1.30 lakh

Both figures are standard SIP compounding on the returns assumed above. Real returns are not fixed and no rate here is predicted or promised. Run your own numbers in the SIP calculator.

— Where the numbers come from

Four steps, and nothing in between

There is no editorial layer on this site. A number you read was computed from a published NAV a few hours earlier, by a formula you can check.

1
AMFI publishes

Every business evening AMFI India puts out the official end-of-day NAV for every scheme in the country. That file is the source. Nothing is typed in by hand.
2
We fetch it at 9 PM IST

A nightly job pulls the new NAV and appends it to the history already held for that scheme — up to ten years of daily closes.
3
The metrics recompute

Returns, volatility, Sharpe, Sortino, Beta, Alpha and drawdown are recalculated from that history using standard formulas. Growth option only, because an IDCW NAV has had payouts stripped out and its return would read false.
4
The pages change

Category pages, fund pages and the comparison table read the recomputed figures the next morning. Monthly portfolio disclosures are folded in separately, when the fund houses file them.

— Plain English

What each number on a fund page means

Ten measures do most of the work across this site. None of them is hard once somebody says what it is actually counting.

NAV

The value of one unit of the fund at yesterday’s close. A high NAV is not expensive and a low one is not cheap — it only tells you how the fund has been split into units.

CAGR

The single yearly rate that would have taken the starting NAV to the ending NAV. It smooths away every bump in between, which is exactly what it is for and exactly what it hides.

XIRR

The return on money that went in and out on irregular dates — a real SIP with a few skipped months. CAGR cannot handle that; XIRR is the right tool for your own statement.

Standard deviation

How far the fund’s monthly returns scatter around their own average. A higher number means a rougher ride for the same destination.

Sharpe ratio

Return above the risk-free rate, divided by that scatter. It asks how much you were paid for the volatility you sat through.

Sortino ratio

The same idea as Sharpe, but counting only the downward moves. Most investors do not mind the upside surprises, and Sortino agrees with them.

Beta

How hard the fund moves when the market moves. Beta near 1 tracks the index; above 1 amplifies it in both directions; below 1 dampens it.

Alpha

The part of the return that the market’s own movement does not explain. Positive alpha is the manager’s contribution — and it is measured against a benchmark, so the benchmark matters.

Maximum drawdown

The deepest fall from a peak to the trough that followed it. It is the honest answer to “what is the worst this has put someone through”.

Expense ratio

The annual fee taken out of the fund, as a percentage of what it manages. It is already inside the NAV, which is why it is easy to forget and expensive to ignore.

Portfolio overlap

The share of holdings two funds have in common. Own two funds at 70% overlap and you own roughly one fund twice.

Exit load

A charge for leaving early, usually around 1% inside the first year. It is separate from the expense ratio and it applies per redemption.

— Questions, answered

Frequently asked questions

Which mutual fund should I pick?

That is not a question this site answers, and nobody can answer it from a list. What the tool does is show you the same numbers for every scheme — return computed from NAV, the risk measures, what the fund holds — across all 35 SEBI categories, so the comparison is like for like. The choice, and the advice, stay with you or with a SEBI-registered adviser.

How is CAGR calculated?

CAGR = (Ending NAV ÷ Beginning NAV) ^ (1 ÷ years) − 1. We compute it directly from AMFI's official daily NAV history, so the returns are transparent, reproducible and free of any commission influence.

What is the difference between Direct and Regular plans?

A Direct plan is bought straight from the AMC with no distributor commission, giving it a lower expense ratio and typically 0.5–1.5% higher annual returns than the Regular plan of the same scheme. We show both so the gap is obvious.

Is MF Analyser SEBI registered?

MF Analyser is a research and education platform, not a SEBI-registered investment adviser. We do not sell funds or earn commissions. All content is for educational purposes only and is not investment advice.

How often is the data updated?

NAV data refreshes daily at 9 PM IST, after AMFI India publishes the official end-of-day NAVs. Returns and risk metrics are recomputed nightly from that NAV.

Where do the numbers come from?

From AMFI India's published daily NAV, and from the portfolio disclosures the fund houses file each month. Every figure is arithmetic on that data using standard formulas, so you can reproduce it in a spreadsheet. No fund house pays to appear here and we earn nothing on a scheme, so nothing is weighted or promoted.

What is portfolio overlap?

Portfolio overlap measures how many of the same stocks two funds hold. High overlap means you aren't truly diversified even with multiple funds. We highlight overlap so you can build a genuinely diversified portfolio.

How do I compare mutual funds?

Use the compare tool to place funds side by side — three on the free plan, six on Pro — and read 1Y, 3Y and 5Y CAGR, Sharpe, Sortino, Beta, expense ratio and the NAV chart in one view.

What is expense ratio?

The expense ratio is the annual fee a fund charges to manage your money, as a percentage of assets. Lower is better — even a 1% difference compounds into a large gap over a decade, which is why Direct plans usually outperform.

Should I invest based on past returns?

Past returns are just one input — they show historical behaviour but don't guarantee future performance. The tool puts returns next to the risk metrics and the drawdown, because a number on its own hides how it was earned.

How do I start investing in mutual funds?

Define your goal and time horizon, research funds on MF Analyser, shortlist by category and risk profile, then invest through any SEBI-registered platform or directly with the AMC in a Direct plan.

What is an ELSS tax saver fund?

ELSS (Equity Linked Savings Scheme) is a tax-saving equity fund eligible for deduction under Section 80C, with a 3-year lock-in — the shortest among 80C options. Every ELSS scheme is listed with its NAV-based returns and risk.

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— The complete guide

How MF Analyser works, and what it will not do

MF Analyser holds 14,396 schemes from 55 fund houses, and no two fact sheets present their numbers the same way. MF Analyser recomputes every figure from AMFI’s own published NAV, so the same arithmetic is applied to every scheme and you are comparing like with like.

What MF Analyser is not

MF Analyser is a research and educational tool. It does not recommend schemes, does not sell them, and earns no commission from any fund house. Where a list is sorted by a past return, the sort is arithmetic on published NAV — it is not a verdict, a rating or advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully, and remember that past performance is not indicative of future returns.

What is MF Analyser?

MF Analyser is a free research platform that aggregates daily NAV data from AMFI India and turns it into actionable insight. We track every open-ended scheme across all 35 SEBI categories and recompute returns and risk metrics every night. Whether you are a SEBI-registered advisor building a client portfolio or an individual investor comparing two funds, you get the same institutional-grade view — completely free. Start with returns by category, or go straight to the comparison tool.

How we calculate CAGR

Returns are only meaningful when they are calculated consistently. We compute CAGR (Compound Annual Growth Rate) directly from AMFI's official end-of-day NAVs using the standard formula — ending NAV divided by beginning NAV, raised to the power of one over the holding period, minus one. Because the input is raw NAV history rather than marketing material, the 1Y, 3Y and 5Y returns you see on MF Analyser are reproducible and free of survivorship spin.

Why Direct Plans matter

A Direct Plan is purchased straight from the AMC with no distributor commission baked into the expense ratio. Over a decade, the 0.5% to 1.5% annual saving compounds into a materially larger corpus than the equivalent Regular Plan. MF Analyser surfaces both versions of every scheme so the cost difference is impossible to miss — a small detail that quietly decides long-term outcomes.

What this site does not do

MF Analyser does not sell schemes, does not carry a distributor code, and takes nothing from a fund house. That is the whole of the business model, and it is why there is no list here headed “recommended”. Where funds appear in an order, the order is arithmetic on published NAV and is labelled as such. It is not a rating, it is not a verdict, and it is not advice. For advice, speak to a SEBI-registered investment adviser.

Data freshness and accuracy

Every weekday at 9 PM IST, after AMFI publishes official NAVs, our pipeline ingests the day's data and rebuilds CAGR, Sharpe, Sortino, Beta, expense-ratio comparisons and the category tables. Ten years of NAV history backs every chart, so trends are grounded in real market cycles — not a convenient recent window. Use this freshness to your advantage when running a SIP calculator for India or planning a lumpsum entry.

Educational use only

MF Analyser is a research and education platform, not a SEBI-registered investment adviser. We do not provide personalised investment advice or earn commissions on any scheme. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully. Past performance does not guarantee future returns. Always consult a qualified, SEBI-registered adviser before investing.

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