Performance Attribution

What drove the return, decomposed by factor and asset class.

Return Decomposition \u2014 1Y

Starting Value

₹1.7Cr

₹1,72,00,000

Equity MF Returns

₹23.6L

+₹23,62,555

Direct Equity Returns

+₹4,26,550

Debt Returns

+₹6,24,000

PPF Interest

+₹99,546

Gold Appreciation

+₹4,00,000

REIT Returns

+₹1,20,000

Expense Ratios

-₹85,651

Ending Value

₹2.1Cr

₹2,11,47,000

Positive contribution

Negative contribution

Portfolio value

Attribution by Factor

FactorContributionWeightNotes

Market Beta (Nifty 50)+14.2%62%Broad market tailwind

Sector Selection+4.8%21%Overweight financials, underweight IT

Stock Selection+3.1%13%RIL, TCS outperformance

Fixed Income+0.9%4%Gilt rally on rate cut expectations

Expense Drag-0.03%—Weighted avg expense ratio

Total XIRR+22.97%100%

Benchmark Comparison

MetricYour PortfolioNifty 50Nifty 500

1Y Return+22.97%+18.4%+19.1%

Volatility12.8%14.2%13.5%

Sharpe Ratio1.421.051.15

Max Drawdown-8.2%-11.4%-10.1%

Alpha+4.57%——

Top Contributors

SBI Bluechip Fund - Direct Growth

+₹11.4L

+24.9%

SBI Magnum Gilt Fund - Direct Growth

+₹6.2L

+25%

Axis Long Term Equity Fund - Direct Growth

+₹5.3L

+23.7%

Lowest Gainers

HDFC Bank Ltd

+₹73.6K

+9.9%

TCS Ltd

+₹76.7K

+22.4%

Infosys Ltd

+₹86.3K

+22.3%

No holdings in loss. Showing lowest absolute gainers.