Every Topsheet tool is designed around a specific question an investor or advisor needs to answer — using real AMFI holdings data, not fund factsheets.
The Stress Tester answers the question every investor dreads: "What happens to my portfolio in a market crash?"
Instead of using category-level estimates, Topsheet applies historical sector shock percentages to your funds' actual current sector weights. If your fund holds 34% in Financials and 18% in IT, the GFC simulation uses the real drawdowns those sectors experienced in 2008.
The Overlap Detector is the flagship Topsheet tool. It shows you exactly which stocks appear in multiple funds — by actual ISIN, not by fund label.
If you own a Flexicap fund and a Large Cap fund, they might share 14 of the same top-20 stocks. The Overlap Detector finds every such duplicate, ranks them by effective weight in your combined portfolio, and tells you which fund to remove or keep.
| Stock | Funds | Eff. weight |
|---|---|---|
| HDFC Bank | 3 funds | 4.21% |
| Infosys | 3 funds | 3.84% |
| Reliance Ind. | 2 funds | 2.96% |
| ICICI Bank | 2 funds | 2.61% |
The Portfolio X-Ray decomposes your entire fund selection — and each individual fund — into their underlying sector exposure, instrument type breakdown, and top equity holdings.
The "combined portfolio" view blends all your funds by their allocation weights, so you can see your true sector concentration. For example: you might discover that your "balanced" portfolio is actually 38% Financials when you account for every fund's position.
The Monte Carlo Simulator will answer: "What is the probability my SIP reaches ₹1 crore in 15 years?"
By running 1,000 simulated market paths using your portfolio's historical return and volatility profile, it will show you the distribution of outcomes — the median, the 10th percentile (bad luck scenario), and the 90th percentile (good luck scenario).
Requires historical NAV data pipeline. Currently in development. Expected to launch with daily NAV history for all tracked schemes.
| Tool | What it answers | Data source | Status | Funds |
|---|---|---|---|---|
| Stress Tester | How much do I lose in a crisis? | AMFI sector weights + historical shocks | Live | 1–8 |
| Overlap Detector | Am I really diversified? | AMFI ISIN-level holdings | Live | 2–8 |
| Portfolio X-Ray | What sectors am I actually exposed to? | AMFI sector + type breakdown | Live | 1–8 |
| Monte Carlo | Will my SIP reach my goal? | Historical NAV data (in development) | Coming soon | 1–8 |