FundPilot India

Personal investment assistant for every rupee you can deploy

Enter your age, cash flow, dependents and comfort with risk. The assistant converts it into a diversified action plan across mutual funds, direct stocks, debt, gold, NPS and insurance.

Risk profileBalanced

Blend stability with compounding.

Monthly surplusRs. 45,000

SIP to deployRs. 30,000

Invest nowRs. 1,80,000

Emergency gapRs. 1,20,000

Diversified deployment

Balanced allocation

In-app consultation

Equity mutual fund shortlist

Core funds first, recent performance leaders only as satellite ideas.

Equity mutual fundsRs. 11,400/moRs. 68,400 now

Deployment rulePut 60-75% of this bucket into index or flexi-cap funds, 15-25% into large & mid-cap, and only 0-15% into mid/small-cap performance leaders.

Shortlisting coverage framework

Use this checklist before the final recommendation so important fund types are not missed.

Passive coreLow-cost market exposure

Nifty 50, Sensex, Nifty 500, Nifty Next 50 index funds

Recommended allocation40-60% of equity MF bucket

Almost every long-term client needs a simple diversified base.Do not use sector indices as core just because recent returns are high.

Nifty 50 Index FundCore large-cap passive · 5+ years

Suggested share25-40% of equity MF bucket

View full fund data

Diversified active coreManager-led broad equity

Flexi-cap, multi-cap, broad-market 500 index funds

Recommended allocation20-35% of equity MF bucket

Use when 3Y/5Y rolling returns, downside control and process beat category/benchmark.Avoid if portfolio overlaps heavily with existing index funds without adding a clear edge.

HDFC BSE 500 Index FundBroad-market passive · 5+ years

Suggested share20-35% of equity MF bucket

View full fund data

HDFC Flexi Cap FundFlexi-cap established active fund · 5+ years

Suggested share15-30% of equity MF bucket

View full fund data

Style fundsDifferent return driver

Value, contra, focused, dividend yield

Recommended allocation0-10% of equity MF bucket

Useful when valuation cycle supports the style and the client can wait.Avoid chasing a style after a short burst of outperformance.

Tax-saving equityELSS plus long-term equity

ELSS funds with consistent 3Y/5Y performance

Recommended allocation0-15% of equity MF bucket

Only when tax planning is needed and lock-in is acceptable.Skip when liquidity matters or the new tax regime makes deduction irrelevant.

SBI Long Term Equity FundELSS tax-saving equity · 3+ years lock-in

Suggested share0-15% of equity MF bucket

View full fund data

Mid/small-cap satelliteHigher-growth satellite

Motilal Oswal Midcap, Nippon India Small Cap, category leaders

Recommended allocation5-18% of equity MF bucket

Growth/aggressive profiles with 5-7 year horizon and SIP discipline.Avoid for emergency money, 3-year goals or low drawdown tolerance.

Motilal Oswal Midcap FundMid-cap performance leader · 5+ years

Suggested share5-12% of equity MF bucket

View full fund data

Nippon India Small Cap FundSmall-cap performance leader · 7+ years

Suggested share0-8% of equity MF bucket

View full fund data

Sector/thematic satelliteSpecific opportunity basket

HDFC Defence, pharma, banking, infrastructure, manufacturing, consumption themes

Recommended allocation0-10% of equity MF bucket

Only after multi-source checks show performance, AUM, benchmark edge and a clear thesis.Never make it core; AMFI notes sector/thematic funds limit diversification and timing matters.

HDFC Defence FundThematic defence satellite · 5+ years

Suggested share0-7% of equity MF bucket

View full fund data

International diversificationCurrency and geography diversification

US index, global index, international FoF where available

Recommended allocation0-15% of equity MF bucket

Long-term clients with India-heavy income and assets.Avoid when taxation, expense, overseas limits or product structure are unclear.

Hybrid stabiliserEquity plus debt behaviour

Aggressive hybrid, balanced advantage, equity savings

Recommended allocation0-20% of total portfolio, separate from pure equity

Useful for clients who need smoother behaviour than pure equity.Do not treat complex asset-allocation funds as risk-free.

Index vs fund historical performance

Use this as a screening snapshot, not a return forecast. Periods and calculation methods vary across sources.

HDFC Defence Fund Direct GrowthHDFC, ET Money, Moneycontrol, ETNifty India Defence TRI21.1-28.1%39.5-39.8%N.A.

Included as thematic satellite because benchmark and sector concentration are very different from a diversified equity fund.

Nifty India Defence IndexMoneycontrol, Economic Times index pageSector index-2.5% to 18.1%8.3% CAGR / 212% absolute741.6% absolute

Different sources report benchmark periods differently; use it only to understand sector cyclicality.

HDFC Flexi Cap Direct GrowthEconomic Times, ET MoneyNifty 500 TRI / flexi-cap category4.1-6.1%16.8-17.0%18.6%

Better core active candidate because it is diversified across market caps and sectors.

Motilal Oswal Midcap Direct GrowthFinancial Express, BMS Money, AMC dataMid-cap category-1.7% to -1.8%20.0%22.9%

Strong mid-cap track record, but mid-caps remain cyclical and should be satellite-sized.

Nippon India Small Cap Direct GrowthNippon AMC, Fund Screener, INDmoneyNifty Smallcap 250 TRI4.8-28.1%16.2-19.2%19.9-21.2%

Small-cap exposure can outperform for long periods and still have deep drawdowns.

Nifty 500INDmoney, Economic Times index dataBroad Indian market index-1.9% to 1.5%10.8% CAGR / 37.8% absolute10.9% CAGR / 71.2% absolute

Use as a broad-market yardstick before choosing active or thematic funds.

Advisor checklist

Prefer direct growth plans for long-term wealth creation.Check 3-year, 5-year and rolling returns, not only 1-year return.Avoid more than 4-5 equity funds; overlap becomes fake diversification.Review expense ratio, AUM, manager changes and downside capture annually.

Educational planning tool, not personalised financial advice.Validate stock entries with live prices, valuation, results and your SEBI-registered adviser before investing. Data references: NSE Nifty 50, AMFI fund categories, RBI Retail Direct, NPS Trust.