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keeva.encalibr.com · portfolio/v3/analyse
K
Keeva Analyst
Top Staking Assets
⊞Dashboard3
◈Portfolio
◎Spend Analysis
◇What-If
Goals
·Retirement
·Education
Reports
·Tax Harvest4
·Rebalance Plan
SR
Satyam R. Moderate Risk
⇄ Timeframe Oct 1 – Jun 30
Sat, 28 Jun
Capital Under Management
₹ 23,59,397
+17.62% XIRR Health Score: 84
vs NIFTY 50: +6.4pp outperformance · Feb – Jun 2026
📦 Kotak Midcap — ₹13.4L
📦 Parag Parikh — ₹2.4L
💰 Cash — ₹7.8L
FundCurrent ValueXIRRAction
Kotak Midcap ₹13,42,689 17.62% HOLD
UTI Nifty 50 ₹8,36,158 4.66% SELL
HDFC Savings ₹7,79,260 3.50% REDUCE

Everything Keeva
can do for you

From portfolio analysis to month-end forecasts, goal milestones to proactive nudges — Keeva reads your complete financial picture and tells you what to do next.

Health Score
84
vs benchmark +6.4pp
Kotak Midcap
+17.62%
XIRR · 1Y view
[ 1 ]
Portfolio overview
CAPM alpha, CVaR, XIRR vs benchmark, and HRP-optimised allocation — every holding in one structured view.
June spending ₹26,999
EMI₹12,000
Food₹8,5002.8σ ⚠
Groceries₹3,200
Subscriptions₹2,298
80C ₹45k 7 recurring
[ 2 ]
Spend analysis
Category breakdown, Z-score anomalies, recurring detection, and tax-deductible mapping across every transaction.
MONTH-END FORECAST 86% conf.
+₹1.32L
5 recurring pre-scheduled · ₹12,400
Jun 1Jun 15Jun 30
[ 3 ]
Forecasting
Month-end income, outflow, and savings rate projected from your recurring patterns before the month ends.
MONTE CARLO · 10,000 SIMULATIONS
₹26L
1 year
₹45L
5 years
₹82L
10 years
[ 4 ]
Predictions
Wealth forecast across 1, 5, and 10-year horizons — built from your allocation, SIP cadence, and inflation assumptions.
My goals · 3 active
Emergency Fund68%
₹1,24,000 to go · ₹20k/mo
Europe Trip42%
Target ₹1,50,000 · Dec 2025
New MacBook91%
Target ₹2,00,000 · Mar 2026
[ 5 ]
Goal tracking
Name it, fund it, watch it. Keeva ties every goal to your real cashflow and tells you exactly when you'll arrive.
68%
Emergency corpus
Gap ₹1,24,000 · closes in 6 months
[ 6 ]
Goal progress
Live funding status with a precise monthly contribution to close the gap — and an exact finish date.
HDFC FD matures in 9 days
₹2L · compare 7.4% renewal vs 7.9% debt fund
STCG window · 201 days left
Hold Kotak → saves ₹1,534 in short-term tax
Shopping 42% over budget
Blinkit + Myntra · ₹14,200 of ₹10,000 limit
[ 7 ]
Smart nudges
Proactive alerts before problems compound. Quiet most of the time — loud only when it matters.
RANKED BY IMPACT
①
Switch 3 SIPs to direct plans
Saves 1.1% expense ratio
+₹84k/yr
②
Book Yes Bank loss now
Rebuy after 30 days
−₹14.2k tax
③
Redirect ₹20k/mo → emergency fund
Closes gap in 6 months
6 mo
[ 8 ]
Recommendations
AI-ranked actions from expense-ratio savings to tax-loss harvesting — each with a precise ₹ impact.
Portfolio Overview 1Y view
Total Value
₹23.6L
XIRR
17.62%
Health
84
Kotak Midcap₹13.4L
UTI Nifty 50₹8.4L
Cash₹7.8L
Portfolio Analysis V3
Full holdings context · CAPM · HRP · Tax lots · Monte Carlo
Month-end forecast 86% confidence
+₹1.32L ↗
Savings rate · 28.4% · 5 recurring charges detected
Emergency Fund68%
Europe Trip · Dec 202542%
New MacBook · Mar 202691%
+₹20k
Fund/mo to goal
6 mo
To close gap
28.4%
Savings rate
Forecast · Goals · Progress
Month-end projection · Goal milestones · Live funding status
Keeva noticed this week 6 insights
Switch to direct MFs
3 SIPs on regular plans cost 1.1% extra. Auto-switch saves
+₹84,000 / year
Tax-loss harvest · Yes Bank
Book loss now → saves ₹14,200 in STCG. Rebuy in 30 days.
Save ₹14,200 →
HDFC FD matures in 9 days
₹2L principal. Renew at 7.4% or move to debt fund at 7.9%.
Compare options →
Smart Nudges · Recommendations
Proactive alerts · Ranked by impact · One tap to apply
Financial Health 3 mo · family of 2
74
/100
Good
Refreshes weekly · 2 actions · 4 wins
Savings rate28%
Investment discipline71%
Spending patterns58% ⚠
Debt health86%
Spending trends74%
Health Score · 0–100
5 dimensions · Weekly refresh · Severity-ranked insights
Net Worth All asset classes
₹94.6L
Equity · MF · Real Estate · FD · Gold
Equity 38% ₹14.8L
Mutual Funds 24% ₹9.4L
Real Estate 16% ₹62L
Gold & FDs 22% ₹8.4L
Net Worth · Live
10+ asset classes · India & US · Real estate · EPF/PPF
Ask Keeva AI co-pilot
"Can I afford a ₹40L car if I keep my savings rate?"
Yes — at your current 32% savings rate you'd reach the down payment in 14 months. EMI fits within your 40% debt ceiling.
₹54,200
EMI/mo
14%
New rate
+2 yrs
Retire delay
"Should I sell my Yes Bank before year-end?"
Yes — booking the loss now saves ₹14,200 in STCG tax. Rebuy after 30 days at the same thesis.
Conversational AI · Keeva
Asks like a CA answers · Session memory · Plain language
+₹1,534
Captured opportunity
ⓘ
Portfolio signal strength
ⓘ
84
XIRR outperformance vs benchmark
Tax harvest opportunity detected
Rebalance exposure flagged
Increase SIP to hit retirement goal
Risk alert
High mid-cap concentration — HHI at 0.48, above 0.35 safe threshold
Proactive intelligence

Things Keeva noticed
this week, before you did.

Keeva watches your complete financial picture around the clock —
and surfaces only what actually needs your attention.

Last 7 days · 8 insights · 0 noise
Portfolio Today
Your XIRR crossed 18% for the first time
Driven by Reliance (+8.4%) and HDFC AMC (+6.1%) over the last fortnight. NIFTY gained only 2.2% in the same window.
+18.4% XIRR ↗
Spend spike 2 days ago
Blinkit orders up 3.2× this month
14 orders vs 4 in March. Most are ₹400–₹600 — looks like a habit forming. Shopping category is 42% over budget.
Review spend →
Goal 3 days ago
Emergency fund at 11 of 12 months
One ₹26,000 contribution and you're fully covered. Keeva can schedule it from your idle HDFC balance.
Schedule it →
Tax 5 days ago
Harvest ₹14,200 in STCG tax now
Booking your Yes Bank position books the loss, slashes your capital gains bill. Rebuy after 30 days at the same thesis.
Save ₹14,200
Recommendation 5 days ago
Switch 3 SIPs to direct plans
Your active SIPs are regular plans charging 1.1% extra in expense ratio every year. One-tap switch, same funds.
+₹84k / year
Nudge 6 days ago
HDFC FD matures in 9 days
₹2L principal. Renew at 7.4% (12 months) or move to a debt fund yielding 7.9% with better liquidity.
Compare options →
Risk alert 1 week ago
Tech sector at 58% — above threshold
Healthy ceiling is 30%. Your portfolio has high single-sector concentration. Adding one financials ETF brings it to 38%.
Fix exposure →
Health score 1 week ago
Health Score moved to 74 — up 6 pts
Savings rate improved to 28% — that's what moved the needle. Two action items remain: emergency fund and SIP switch.
74 / 100 ↑
Atlas
Powering
atlas

Keeva is the intelligence engine behind Atlas — the personal finance OS for India & US. Every Health Score, forecast, nudge, and tax insight in Atlas runs on Keeva.

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