Quick Stats

At-a-glance metrics · click any tile to drill down

Top Recommendations

Click any card for full justification · execute with one click

View All Tracking →

✦ AI Insight of the Day

Pattern detected · backed by research + backtest

Recent Activity

Last 24h

Performance Snapshot

Family wealth · last 12 months

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Goals At-a-glance

9 active goals

All Goals →

Dashboard

Consolidated · 4 members · 8 platforms · Updated 2 min ago

✦

3 optimisations available · ₹ 22.4 L p.a. opportunity. HDFC Bank concentration 12.6% (recommended 7%). Tax harvesting window closes in 18 days.

Wealth Trajectory

Family AUM vs Nifty 500 TRI

Portfolio Benchmark

Asset Allocation

Aggregated by filter

Total

—

Family Members

Connected Platforms

8 Active

Goals Progress

9 goals · linked to portfolios · auto-rebalanced

Streaks 🔥

All-time bests tracked

All Portfolios

10 matching filters

Portfolios

10 portfolios · Click any to drill down

Total Across All

₹ 38.64 Cr

▲ 14.8% Avg XIRR

Realised Gains

₹ 4.34 Cr

FIFO method

Unrealised Gains

₹ 7.48 Cr

+38%

Total Gain

₹ 11.82 Cr

▲ Realised + Unrealised

Avg Sharpe

1.84

Risk-adj

Linked Model

Change model:

Performance Ratios

Benchmark Tracking

Holdings

Click any row to expand · scroll horizontally for full table

Capital Inflow Returns

What each tranche of capital has earned

Backtest vs Actual Performance

Does the original backtest still hold up?

Tracking

Portfolio Summary

What worked · What didn't · Last 1-week vs backtest

Active Strategies

Portfolios

All Holdings

Holdings on this platform

Family Goals

9 goals · each linked to portfolio + model

Model Portfolios

10 models · click for composition

✦

AI Insight: Kunal's Retirement (8.5yr horizon) on Balanced — Conservative Growth fits better. Switch saves ₹ 1.2 L in drawdown risk.

Model Composition

Performance

1Y CAGR

3Y CAGR

5Y CAGR

Strategies

24 strategies · click any row to expand

Total Active

—

strategies running

Capital Deployed

—

across all strategies

Avg 1Y Return

—

weighted by capital

Avg Sharpe

—

risk-adjusted

✦

AI: Iron Condor 82% win rate · BTST 42% (pause). Net redeploy = +₹ 4.2 L p.a.

Cat▾

Strategy▾

1Y %▾

Sharpe▾

Win %▾

Capital▾

Max DD▾

Active▾

Realised

Unrealised

Total G/L▾

XIRR▾

Bundled Packages

32 curated packs · click to expand

✦

AI Match for Sanghavi: "UHNI Family Office Suite" matches 4 of 7 components you already hold.

Unified View

Every asset · platform · family member

Multi-Dimensional Report

Toggle the grouping dimension below

Show Sentiment

Holdings Heatmap

Sized by value · coloured by 1Y return

By Member

By Platform

By Asset

Optimisation

Research-backed · sell-first sequencing

Total Annual Opportunity

₹ 22.4 L p.a.

Tax ₹ 8.4LSwitch ₹ 6.2LRebal ₹ 4.8LOverlap ₹ 3.0L

Execution Basket

Sells → buys → setups

✦

Smart Sequencing: Sells first to free capital and offset LTCG. Saves ₹ 14,800.

Summary

Sell

₹ 38.4 L

Buy

₹ 38.4 L

Tax Saved

₹ 14.8K

Annual Benefit

₹ 14.2 L

Auto-Rebalance

3 portfolios need rebalancing

Active Rules

8

YTD Rebalances

22

Tax Saved

₹ 4.84 L

Drift Avoided

14.2%

Queue

3 pending

Brokers & API Routing

Multi-broker execution · transactions executed via broker APIs

Connected Brokers

5

▲ All API live

Avg Brokerage

0.04 %

Equity delivery

Orders Today

42

Routed across brokers

Smart Routing

ON

Best-price + lowest cost

🔌

Execution Engine: All transactions placed by FinScore are routed via broker APIs (Kite Connect · HDFC Trade · MotilalAPI). API keys encrypted at rest · OAuth refreshed every 24h.

Connected Brokers

Sample credentials · click any to edit

Recent API Calls

99.4% success · last 24h

Backtest Lab

Technical analysis · derivatives · Monte Carlo

✦

Live Insight: Replacing HDFC Top 100 with Parag Parikh Flexi Cap over 5Y generates +₹ 18.4 L additional value with 14% lower drawdown.

Equity Curve

5 Years

Key Metrics

Research Lab

AI-personalised research backing every recommendation

✦

How this works: 9 research categories · curated reports across India + Global houses · AI personalisation against your portfolio context · download Gamma-designed PDFs.

Sort by: House: Coverage: — reports

Recommendations Tracking

Every recommendation · acted, skipped, gains, missed gains

All Recommendations

Last 12 months · click any row for full justification

Recommendation

Date

Status

Realised G/L

Missed G/L

⚠

HDFCBANK appears in 4 funds + 1 direct holding = 12.6% family concentration. Trim direct holding to bring total to 7% target. Estimated benefit: ₹1.4 L p.a.

⌬

PPFAS Flexi and Axis Bluechip have 28% overlap in top-10 holdings. Consider consolidating into a single flexicap fund to reduce duplication.

Commodities

Family exposure ₹ 1.05 Cr · target 12–15% allocation

Total Exposure

₹ 1.05 Cr

▲ 22% YTD

% of AUM

2.7%

Target 12%

Top Performer

Silver

+24.6%

Worst Performer

Crude

−8.4%

⚠

Commodities at 2.7% vs target 12–15%. Deploy ₹ 16 L from idle cash into Gold ETF / SGB Tranche XV (opens May 28) and Silver ETF.

Hedging Strategies

4 strategies

🥇🥈 Gold-Silver Ratio Trade

Buy undervalued metal vs sell overvalued using GSR divergence

CAGR 14.8%Sharpe 1.42

🛢 Crude-INR Hedge

Oil import dependency hedge. Long crude offsets INR weakness

CAGR 11.2%Sharpe 0.94

📊 Inflation Basket

Gold 50% + Silver 30% + land REIT 20%. Protects real wealth

CAGR 16.4%Sharpe 1.68

⚡ EV-Metals Basket

Copper + Nickel + Aluminium. Pure-play EV transition theme

CAGR 18.2%Sharpe 1.34

Peer Comparison

Anonymised · 1,284 UHNI Mumbai families · ₹25–50 Cr AUM

88

th percentile

Top 12% of 1,284

You're outperforming 88% of your peer cohort

Strong on diversification and behaviour discipline. Weaker on international exposure and ESG allocation. 3 concrete actions could move you into the top 5%.

🏆Top 4% Behaviour 📊Top 8% Diversification ⏱3-yr XIRR rank #154

Your AUM

₹ 38.64 Cr

Cohort Avg

₹ 32.4 Cr

Cohort Top 10%

₹ 48.2 Cr

Cohort Size

1,284

Performance Across 8 Dimensions

Percentile rank vs cohort · click any tile for detail

Where You Sit · AUM Distribution

Anonymised · 1,284 peer families

You Cohort Avg

8-Axis Radar · You vs Top 10%

Indexed to peer median

🏅 Achievements & Badges

5 earned · 3 progress

🎯 Improvement Opportunities

3 actions · ₹22 L upside

1

XIRR — 72nd percentile · upside +6 ranks

Increase international exposure to 15% via LRS. Top 10% peers average 18.2% XIRR vs your 14.4%.

2

Global Diversifier — 86% complete

Add ₹ 8 L to MSCI World fund to cross 10% international threshold. Badge unlocks at 10%.

3

ESG Conscious — 42% complete

Increase ESG-rated holdings to 30% AUM. Currently 18%. View ESG screen for top picks.

Comparisons use anonymised, aggregated data. No individual family's holdings are visible. Peer group ≥ 1,000 families.

ESG Score

Family aggregate 7.4 / 10 · top 22% of peers

🌿

Increase ESG score to 8.2 (top decile threshold) by reducing crude exposure 50% and increasing ESG-rated equity allocation by 8%.

Family ESG Score

7.4

Above Avg

Peer Average

6.2

Percentile

78th

Top Decile Target

8.2

By Category

🌱 Environmental

6.8

🤝 Social

7.6

🏛 Governance

8.2

ESG scores would source from Sustainalytics, MSCI, or Refinitiv in production.

Top Contributors

Boosting score

Holding	ESG Score	Contribution	Label

Bottom Contributors

Dragging score

Holding	ESG Score	Contribution	Action

Controversies Watch

3 holdings flagged

Monthly Podcasts

AI-generated · 5 minutes · auto-emailed on 22nd of each month

🎙

May 2026 episode is ready. Your family AUM grew 2.4% this month. NVIDIA crossed 100% gain. 3 key action items inside.

Latest Episode

🎙

Sanghavi Family · May 2026 Review

5:42 · May 22, 2026 · AI-generated

0:00 / 5:42

Transcript

Past Episodes

Podcast audio synthesis would use ElevenLabs / Cartesia in production. This is a UI mock.

Risk Management

Greeks · VaR · stress tests · hedging

Portfolio Greeks (Aggregate)

Net exposure across all derivative positions

Stress Test · Selected Scenario

Portfolio P&L under chosen market move

Columns: Δ Delta Γ Gamma Θ Theta ν Vega ρ Rho β Beta σ Std Dev VaR

⚠ AI Risk Nudges

— alerts

Investment Rules & Limits

Natural-language rules · priority-ordered · override on conflict

📐

How rules work: Every transaction is checked against rules in priority order (top first). The first rule that triggers wins. Overlapping rules are resolved by priority — drag to reorder. Rules can be soft (warn) or hard (block).

— rules

Auto-Categorization

IF-THEN rules · automatic transaction → portfolio/goal/strategy mapping · LLM fallback

✦ LLM fallback for unmatched

— rules

Holdings Across Portfolios

Every position in this instrument

Exposure Breakdown

By portfolio · member · goal

Linked Strategies & Goals

Where this instrument is deployed

Options Strategy Builder

Multi-leg builder · live payoff · Greeks · margin · POP

⚡

Builder: Add legs (Buy/Sell · Call/Put · strike · qty), and the payoff diagram, max P&L, breakevens, Greeks and margin recompute live. Drag the spot slider to simulate. Quoted prices are demo values — wire to a live chain at deployment.

Strategy Legs

0 legs

Payoff Diagram

At expiry

Spot simulation: —

Net Greeks

Position-level exposure

Margin & Cost

SPAN + exposure (est.)

Option Chain

Live OI · IV · Greeks · click a strike to add to builder

Show Greeks

Scalper Mode

One-tap entry · ladder · instant SL/target · hotkeys

NIFTY 23,418

⚡

Scalper: Built for speed — one-tap buy/sell at the ladder price, preset quantities, auto stop-loss & target in ticks. Hotkeys: B buy, S sell, X flatten. Demo prices; wire to a broker order API at deployment (read-only until live).

Price Ladder

NIFTY 26 Jun · ATM

Quick Trade

Qty (lots)

Stop (ticks)

Target (ticks)

Open Scalp Positions

OI / IV Analysis

Open interest · PCR · IV skew · max pain · FII/DII

Open Interest by Strike

Call vs Put OI · support/resistance

IV Skew

Implied volatility across strikes

Max Pain & PCR Interpretation

SMT / ICT Strategies

Smart Money Concepts · order blocks · FVG · liquidity · BOS/CHoCH

🎯

Smart Money Concepts (SMC / ICT): A price-action framework that reads institutional order flow — order blocks, fair-value gaps, liquidity sweeps, and market-structure shifts — rather than lagging indicators. These are detection templates and educational scaffolding for backtesting, not trade advice.

Live Structure Scan (demo)

Detected SMC signals on watchlist

Alerts & Custom Indicators

Price / OI / IV / Greek alerts · build custom indicator formulas

Active Alerts

Delivered via in-app · email · WhatsApp

Custom Indicators

Your formula-based signals

Estate Planning

Will status · nominees · succession planning

Will Status

✓ Updated

Aug 2024 · Adv. Rohan Mehta

Nominee Coverage

86.5%

32 / 37 holdings

Total Estate Value

₹ 38.64 Cr

As of May 2026

Successors

4

Beneficiaries

🔔

5 holdings missing nominees. Resolving nominee gaps prevents legal disputes and delays during succession. Takes 15 minutes per holding.

Beneficiaries & Inheritance

Shares shown are indicative per current will. Consult Adv. Rohan Mehta for changes.

Will Status

Nominee Coverage

5 missing

32 holdings nominated86.5% coverage

Real Estate Registry

Family Trusts

Sanghavi Family Trust

Discretionary Trust

Assets

₹ 3.18 Cr

Trustees

3 (Kunal, Priya, Adv. Mehta)

Beneficiaries

All members + grandchildren

Tax Calendar

12 upcoming deadlines · next: SGB Tranche XV in 5 days

Next Deadline

5 days

SGB Tranche XV

This Quarter

3

Events Jun–Sep

Est. Tax Q1

₹ 4.84 L

Advance instalment

Lock-ins Expiring

2

Next 12 months

🔔

Tax-loss harvest window opens in 309 days but check Bajaj Finance loss now — preserve ₹ 3.2 L LTCG offset before FY27 closes.

Timeline

12 events

Subscribe to Reminders

📧 Email reminders

📱 SMS alerts

🔔 In-app notifications

💬 WhatsApp

📅 Calendar (.ics export)

Access Control

Users · roles · client assignments · module access · registration settings