Portfolio · Sharma household — Chitragupt

₹Chitragupt

Viewing as Sharma · household

SS

Scope Selection drives every section below.

Pro Family active · household NAV ₹4.82 Cr · YTD +12.4% · 3× LTCG §112A headroom (₹3.75L) available cross-PAN.

Household NAV · per member

Combined

₹4.82Cr

Aarav₹2.18Cr
Priya₹1.68Cr
Ravi₹96L

Per-member × asset class

Class	A	P	R
Equity + MFs	₹1.31Cr	₹84L	₹12L
FDs + bonds	₹52L	₹38L	₹62L
EPF + NPS	₹26L	₹38L	₹14L
Cash	₹9L	₹8L	₹8L

68 holdings · See all →

Household value vs Nifty 50 · FY 20-21 → FY 25-26

₹ invested Realised gain Household value Nifty 50 hypo

Capital gains booked · per AY · household

3× ₹1.25L §112A headroom available cross-PAN this AY · stagger across members.

See per-lot breakdown →

3 × ₹1.25L = ₹3.75L tax-free LTCG headroom across Aarav + Priya + Ravi this AY. Chitragupt surfaces the sequencing — each member executes via their own broker.

Joint goals · who's funding

Pro Family

House (2028)91%

Aarav 60% · Priya 30% · Ravi 10%
Kid · UG (2031)52%

Aarav 50% · Priya 40% · Ravi 10%
Ravi's health corpus38%

§80D unlocks for Aarav if topped up

9 holdings unmapped across 3 PANs · projections + funding-pace stay rough until each is tagged.

Map now →

Range

What lost the household money

8

Aarav · Intraday + F&O trades
Net −₹10.7L across two brokers over 5 years.
Aarav · Micro-cap and penny stocks
5 holdings down 50%+ · low trading volume made exits hard.
Priya · Single-fund concentration
62% of her equity is in one large-cap MF.
Ravi · Overlapping debt exposure
Already 38% in EPF · hybrid MF holding adds more debt on top.
All · Trade-to-trade (-T, -X) segment
Multiple holdings in this restricted segment across members.
All · ELSS on new tax regime
80C unavailable under new regime · fresh contributions don't reduce tax for these members.
Long-held losers
2 stocks significantly down across the household · still held.
Commodity futures
Aarav's broker: losses across 3 FYs.

What made the household money

6

LTCG exemption across PANs
₹3.75L of tax-free LTCG exemption (§112A) is unused across 3 PANs this AY.
Aarav + Priya's flexi-cap SIPs
+36% in Aarav's book · best risk-adjusted return in the household.
Joint broad-market ETF holding
Tracking Nifty 50 · low expense ratio · steady contributor.
Aarav's banking-sector picks
Combined +21% CAGR over 5 years.
Ravi's health premium claimable by Aarav
Aarav can claim Ravi's senior-citizen health insurance premium under his own 80D (up to ₹50k).
Household trading cadence
42 exits this year vs 167 last year across all members · returns up.

Gaps in the household safety net

6

Aarav + Priya · no personal term life
Only employer cover detected for both.
No household health floater
No single policy covering all 4 members detected.
Ravi · no debt allocation outside EPF
All non-equity sits in EPF · no bond fund or G-Sec exposure detected.
Aarav · no international equity
LRS limit unused · no USD-denominated holdings detected.
Ravi · no labelled emergency fund
SBI ₹3L sitting idle · could be tagged as his emergency reserve in Settings.
Priya · NPS extra deduction unused
She's on the old regime · the ₹50k 80CCD(1B) deduction is available if she has NPS contributions.

Statements land in Inbox · patterns refresh nightly. Chitragupt does not give investment advice or trade for you. For investment decisions, speak with a SEBI-registered advisor.