₹38,700 a year is leaving this portfolio quietly.

Most portfolios lose money to commissions, idle cash and missed tax deadlines.

9:41
₹41.8L · NET WORTH ›
AR
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Same question, asked twice. One answer costs you nothing and tells you nothing. The other has a date and a number in it.

A GENERAL-PURPOSE CHATBOT
"Am I paying too much in mutual fund fees?"
Expense ratios vary by fund and plan type. Direct plans are generally cheaper than Regular plans since they don't include distributor commission. You may want to review your holdings and consult a qualified professional for guidance specific to your situation.
NOTHING YOU CAN ACT ON
CORPUS AI · READING YOUR STATEMENT
"Am I paying too much in mutual fund fees?"
Yes, on three of six funds — 1.71%, 1.82% and 1.55%, where the Direct versions of the same funds are 0.68%, 0.74% and 0.89%. That gap is ₹24,000 this year, and it grows with the corpus.
Flexi Cap Fund · Regular ₹11,740/yr
Mid Cap Fund · Regular ₹8,860/yr
Balanced Advantage · Regular ₹3,400/yr
EXPENSE RATIOS · AMFI, 1 JULY 2026
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FROM YOUR STATEMENT
AND BANK FEED · 21 JULY 2026
I found four things.
₹38,700
a year, leaving quietly.
4 FINDINGS
Flexi Cap Fund · Regular
₹11.4L · 1.71% VS 0.68% DIRECT
REGULAR VS DIRECT GAP · ₹11,740/yr
HDFC savings ····6642
₹4.2L IDLE SINCE DECEMBER · 3.5%
₹3.2L IDLE · 3.5% VS ~7% ₹14,700
Short-term gains booked
₹2.40L GAIN · ₹1.90L LOSS AVAILABLE
BEFORE 31 MARCH ₹38,000
Large Cap Fund · Direct
₹6.8L · 16.2% XIRR · 0.61%
NOTHING TO DO
ALREADY LEAVING YOU
₹24,000/yr
NOT BEING EARNED
₹14,700/yr

Find the top funds — and see how yours are doing.

All funds tracked daily on rolling returns, downside capture and momentum against their own category — published in full.

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FUND 1Y RETURN 1Y ALPHA CATEGORY
Motilal Oswal Nasdaq 100 FoF · Direct +78.0% +63.6% FoF Domestic
ICICI Prudential NASDAQ 100 Index · Direct +50.6% +50.5% FoF Overseas
Kotak International REIT Omni FOF · Direct +14.7% -27.3% FoF Overseas
NAV & RETURNS · AMFI, 24 JULY 2026 Compare funds ›
Past performance is not indicative of future returns.

Pay less tax on the money you already have.

Corpus AI runs both regimes against your actual salary and deductions, tells you which one you're leaving money in, and names the two things you can still do before 31 March.

Every figure names its source. If your numbers change, the answer changes with them.

9:41
TAX · FY 2026-27 2 left
OLD VS NEW · YOUR NUMBERS
OLD REGIME
₹1,86,400
NEW REGIME
₹1,62,100
New regime is ₹24,300 cheaper for you this year, even after your ₹1.5L of 80C.
80C used ₹1,50,000 / ₹1,50,000
80CCD(1B) · NPS ₹0 / ₹50,000
Loss available to book ₹1,90,000
WINDOW CLOSES 31 MARCH
₹1.90L of realised losses are available against ₹2.40L of short-term gains.

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Bring your statement

Upload the CAMS or KFintech consolidated statement, or connect through Account Aggregator. Read-only, always.

CAS_JUL2026.PDF
PASSWORD PROTECTED · OK
Corpus AI reads all of it

Plan type and expense ratio per fund, overlap between them, idle balances, realised and unrealised gains, allocation drift.

✓ 6 FUNDS · 3 REGULAR PLANS ✓ 41% OVERLAP, TOP 10 HOLDINGS ✓ ₹4.2L IDLE, 7 MONTHS
Do them one at a time

Each finding comes with the steps, on your own platform — what you'll see, what to watch for. The queue of open findings drains as you go.

✓ Flexi Cap Regular-to-Direct gap found ✓ ₹3.2L idle cash identified ◦ Book the loss before 31 March

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No trades, no custody, no access to your money. Corpus shows you what's in your statement; anything you do happens on your own platform.

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Corpus AI will tell you the fund you own is the expensive version of itself. It will not name a fund to buy.

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From the blog

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₹11,740/yr MUTUAL FUNDS The Regular-to-Direct gap, in rupees rather than percent 1.71% and 0.68% look close on paper. On ₹11.4 lakh they are ₹11,740 a year apart. OLD ₹1,86,400 → NEW ₹1,62,100 TAX Old regime or new: the salary where it flips Where the ₹1.5L of 80C stops paying for itself, worked through with real numbers. 3.5% → ~7% RETIREMENT What ₹4.2 lakh idle in a savings account actually costs 3.5% against the ~7% a liquid fund is paying. Not a promise, and it can move.
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