How to Track and Review Your Mutual Fund Portfolio (India 2025)

Investing in mutual funds is only the first step. The real value comes from tracking, reviewing, and rebalancing your portfolio periodically to ensure your investments continue to align with your goals, risk appetite, and market conditions.

In 2025, with advanced apps and advisory tools available, Indian investors can stay informed and make smarter decisions in real-time. This blog walks you through how to monitor your mutual fund portfolio, what to look out for, and when to take action.

Why You Must Track Your Mutual Fund Portfolio

• Ensure funds are meeting your goals

• Compare performance against benchmarks

• Avoid underperforming schemes eating into your returns

• Adjust for life changes (job, marriage, children, retirement)

• Maintain asset allocation discipline

Best Ways to Track Mutual Fund Investments in 2025

1.Broker or AMC Platforms

Most mutual fund houses and brokers like Zerodha, Groww, and ICICI Direct offer:

• Real-time portfolio tracking

• NAV updates

• Capital gains summaries

• SIP status and alert notifications

2.Consolidated Account Statement (CAS)

• Issued by CAMS/Karvy monthly

• Shows investments across AMCs linked to your PAN

• Available via email or download

3.Portfolio Tracking Apps & Tools

• INDmoney – Insightful visualizations and XIRR

• ET Money – Deep tracking with fund suggestions

• Moneycontrol – Quick overview and sector allocation

• One Solution Dashboard – Personalized goal tracker, alerts, and SIP advisor (for clients)

  What to Review in Your Portfolio

✅ 1. Fund Performance

• Compare current returns with benchmark (Nifty 50, Sensex, CRISIL)

• Look at 1-year, 3-year, and 5-year CAGR

• Check consistency and downside protection

✅ 2. SIP Health

• Are all SIPs active and timely?

• Are you close to your financial target?

• Need to increase SIP amount with rising income?

✅ 3. Asset Allocation

• Are you overexposed to equity or debt?

• Has your risk tolerance changed?

• Time to rebalance?

✅ 4. Expense Ratio

• Are you paying too much in fund management fees?

• Is there a better-performing fund with a lower cost?

✅ 5. Life Stage Alignment

• New goals or reduced liabilities?

• Close to a planned milestone (child’s college, retirement)?

One Solution provides quarterly reviews and advisory sessions to help clients align their investments to current life stages.

How Often Should You Review?

• Quarterly: Basic performance check & SIP update

• Annually: Deep review with asset rebalancing

• Goal Triggers: Whenever life events impact your goals

When to Exit or Switch Funds

Exit or switch a fund if:

• It consistently underperforms its category and benchmark

• There’s a change in fund management strategy

• Your financial goals change significantly

• You find a better alternative with lower cost and better consistency

Always consult with a professional before making exit decisions. Premature exits can attract exit loads or trigger tax liabilities.

Final Thoughts

Tracking your mutual fund portfolio is not a one-time activity—it’s a habit that can unlock significant long-term gains. With the right tools and expert guidance, you can ensure your portfolio stays aligned with your changing needs.

At One Solution, we empower investors to track, review, and optimize their mutual fund portfolios using real-time dashboards, SIP alerts, and scheduled performance reviews. Because smart investing doesn’t stop at investing—it evolves with you.

Related Blogs:

• How to Choose the Right Mutual Fund Based on Your Goals

• Taxation on Mutual Funds in India – Short-Term vs Long-Term Gains (2025)

• What Are Mutual Funds? Complete Guide for Beginners in India (2025)

• Best Performing Mutual Funds in India (2025) You Should Know