How FolioXRay calculates results

Multi-fund overlap and exposure

For a pair of funds, overlap adds the lower portfolio weight for each matching security identifier: Σ min(weight A, weight B). The calculator builds a pairwise matrix for 2–6 selected funds. Estimated rupee exposure to a security is the entered amount for each fund multiplied by that security’s portfolio weight, summed across the selected funds.

These formulas describe reported portfolio weights, not correlation, risk, diversification, performance, or suitability. Actual holdings, cash treatment, derivatives, classification, and reporting dates can change results.

Expense estimate

The expense comparison applies the expense ratios and portfolio amounts included in the bundled dataset. Because those TER figures are not verified current disclosures, the expense output is illustrative too. It is not a forecast of returns or a recommendation to change funds.

FIFO capital-gains estimate

The estimator orders manually entered purchase lots by date and models units, purchase NAV, current NAV, and holding periods using the assumptions displayed in the tool. It does not import a CAS PDF or fetch historical NAV automatically. Tax treatment depends on eligibility, transaction details, current law, and your complete tax position. Review the Income Tax Department’s Section 112A guidance and confirm your situation with a qualified tax professional.

No-cost EMI and effective cost

The EMI tool estimates repayment cash flows from the offer details entered, including interest, fees, GST, and forgone cashback where applicable. Effective-rate calculations depend on the cash-flow convention and entered assumptions. Confirm the lender’s schedule, checkout terms, and card reward rules for the specific offer.