DPDP Compliant — Zero data retention

Know Which Funds Are Leading & Which Are Lagging

Sign in with mobile or email OTP. Sync via Account Aggregator or upload your CAS. Get statistical benchmark ratings for every mutual fund. Read-only observations — never advice.

Analyse My Portfolio → I'm an Advisor →

Mobile/Email OTP login · Read-only dashboard · Not a SEBI-registered advisor

👤
My Portfolio
🔔

TOTAL NET WORTH

₹24,50,000

▲ +14.2% XIRR

PORTFOLIO HEALTH

★★★★★ 3.9/5
★★★★★ 2
★★★★★ 1
★★★★★ 1
★★★★★ 1

Statistical Benchmark Ratings

Every fund gets a 2–5 star classification based on rolling returns, downside protection, and momentum — measured against category peers. Observations only, never advice.

★★★★★

5★ Outperforming

Top quartile in peer group. Classified as a Leading asset based on 3-year rolling trailing returns.

★★★★★

4★ Within Threshold

Performing within expected range. Classified as Balanced — meeting benchmark targets.

★★★★★

3★ Variance Detected

Asset allocation Deviated from category average. Statistical variance flagged for observation.

★★★★★

2★ Underperforming

Classified as a Lagging asset. Bottom quartile for 24+ months of rolling trailing returns.

How It Works

Three steps. Under 60 seconds. Zero data stored.

1

Sync via Account Aggregator

Link your portfolio through Anumati (Perfios AA). Enter mobile + PAN, approve via OTP. CAMS and KFintech deliver clean RTA data directly. Or upload a CAS PDF manually.

2

Statistical Analysis Runs

Each fund scored on Consistency (rolling returns), Volatility (downside protection), and Recency (2-year momentum) against category peers. Processed in-memory, never stored.

3

View Your Dashboard

See every fund's star classification — Leading to Lagging — plus sub-metric breakdowns, net worth allocation, and observational insights. No buy/sell triggers.

FinPulse Analytics

Premium analytical tools that present data so clearly, you naturally see the picture — without us telling you what to do.

🔬

X-Ray Peer Comparison

Side-by-side grid comparing your lagging funds against automated category alternatives. Stars, XIRR, consistency — all observable data.

🎯

Drift Alert Engine

Set your target allocation (e.g. 70% Equity / 20% Debt / 10% Gold). See variance detected alerts when drift exceeds your threshold.

🧮

Cost & Friction Calculator

FIFO-based tax impact (LTCG/STCG), exit load estimation, and expense ratio drag — all numbers, no conclusions drawn.

🧪

AI Sandbox

Run analytical queries locally: "% of portfolio sub-3★", "estimated tax liability", "Nifty underperformers." Pure computation, no model needed.

🔬 FinPulse
X-Ray Drift Cost Sandbox

Quant Small Cap

Small Cap

5★ Leading

XIRR

48.3%

Consistency

94%

Axis Bluechip

Large Cap

2★ Lagging

XIRR

12.4%

Consistency

52%

Account Aggregator Sync

Powered by Anumati (Perfios). RBI-licensed, consent-based data pipeline. CAMS and KFintech deliver clean RTA data — no scraping, no passwords.

📱

Mobile + PAN

Enter your registered mobile number and PAN. Anumati discovers linked FIP accounts across RTAs.

🔐

OTP Consent

You approve exactly what data to share via OTP on Anumati's consent screen. Granular, time-limited consent.

Clean RTA JSON

CAMS/KFintech deliver structured fund data — NAV, units, transactions. No PDF parsing, no manual entry.

🗑️

Zero Retention

Raw AA payload processed in-memory. Star ratings computed dynamically. Only structured analytics saved — raw data discarded.

🧠

Laksha AI

● Edge SLM · Read-Only

Your Axis Bluechip is classified as 2★ Lagging — trailing category by 3.1% for 24 months. A 5★ peer shows +3.5% higher rolling returns.

Show me the tax numbers if I exit today.

Holding: 2.1 yrs → LTCG applies. Gain: ₹26,800. Estimated tax: ₹3,350 (12.5% above ₹1.25L exemption). Consult a SEBI-registered advisor.

Laksha AI — Edge NLP Pipeline

Powered by Llama 3.2 1B running on Cloudflare Workers AI at the edge. Pre-processed portfolio data, structured JSON responses. Observations only — never actionable advice.

📊 Pre-Processed Context

Portfolio data cleaned into structured JSON server-side before reaching the model. No raw text parsing by the SLM.

🎯 Deterministic Output

Temperature 0.1 + max_tokens 150. The model acts as a precise NLP function, not a chatbot. Guided JSON for structured responses.

⚖️ Regulatory Guardrails

System prompt enforces observational language. No buy/sell/switch triggers. Every response ends with SEBI advisor disclaimer.

🔒 PII Anonymization

7 regex patterns strip PAN, Aadhaar, email, phone, folio, card, and name data before any model invocation.

NEW · B2B

AI Co-pilot for MFDs & RIAs

A multi-client console for distributors and registered advisers. Triage your whole book, auto-generate review reports, and keep a SEBI/AMFI-ready audit trail — on an isolated, persistent, compliant data layer.

📇

Multi-client console

Every client on one screen — sortable by portfolio health, drift severity, review-due date, KYC expiry. Auto-segment tags surface who needs a call.

📄

Auto review reports

One-click quarterly report per client — star ratings, drift, X-Ray peer comparison, tax summary, your commentary. Print to PDF with your registration + disclaimer auto-appended.

📥

Bulk onboarding

Bulk CAS import (PAN auto-matched) or bulk AA-link invites. Retail clients can also share a portfolio snapshot straight into your console with a code.

🧾

Compliance audit trail

Every report, recommendation, and message logged with timestamp — append-only, CSV-exportable for SEBI/AMFI audit. Configurable retention.

💬

Client nudge engine

Auto-drafted KYC/SIP/review reminders. You approve before anything sends — no autonomous messaging. Book-level drift alerts ranked by AUM impact.

👥

Team seats & roles

Add senior advisers and junior analysts. Junior = draft-only; senior = send + approve. Owner manages seats and billing.

🏷️

MFD tier — Distributor

Strictly observational analytics that mirror the retail engine. AMFI ARN captured at signup and printed on every report.

Observation-only · No recommendation layer

⚖️

RIA tier — Registered Adviser

Same engine plus a human-entered recommendation layer, tied to your SEBI RIA number and timestamped — under your own liability. The model never writes advice.

Observations + your recommendation layer

Open the Advisor Console →

Isolated tenant database · Cloudflare D1 (APAC) · Persistent & audited — separate from the retail zero-retention app

Simple, Transparent Pricing

Start free. Upgrade when you want deeper diagnostics and AI. Advisors bill per seat.

Free

₹0

forever

  • ✓ Star benchmark ratings
  • ✓ Portfolio health & X-Ray
  • ✓ AA sync + CAS upload
  • ✓ Net worth tracking
Get the App

Silver

₹99/mo

for active investors

  • ✓ Everything in Free
  • ✓ Multi-asset live AA sync
  • ✓ Native isolated sessions
  • ✓ Cost & friction ledger
Choose Silver
POPULAR

Platinum

₹299/mo

full command engine

  • ✓ Everything in Silver
  • ✓ Private predictive AI (edge SLM)
  • ✓ Cost & tax diagnostics
  • ✓ Exit-load timelines
Choose Platinum
🏢

Advisor Console — MFD / RIA

Multi-client console, auto review reports, compliance audit trail, team seats. Billed per advisor seat.

₹999/seat/mo

Open Console →

Secure OTP login · Payments via Razorpay · Cancel anytime. Subscriptions do not change the read-only, observation-only nature of the analytics.

Privacy & DPDP Compliance

Your financial data never touches a database. Compliant with India's Digital Personal Data Protection Act, 2023.

📱

Bundled in APK

App assets live inside your phone via Capacitor. No CDN, no public URL exposure.

🛡️

Zero Trust API

Cloudflare Access blocks unauthenticated requests. Client ID + Secret required for every call.

🗑️

Instant Deletion

DPDP-compliant one-tap data deletion. Clears all local data, tokens, and audit logs instantly.

🔐

Edge Processing

Cloudflare Workers process at nearest edge node. Data encrypted in transit (TLS 1.3). Stateless — nothing persisted.

Under the Hood

Clean architecture. Zero complexity on your device.

1

Sync via Account Aggregator or CAS upload

Anumati discovers linked accounts. CAMS/KFintech deliver clean RTA JSON. Or parse a CAS PDF.

2

Cloudflare Worker pre-processes to structured JSON

PII anonymized (7 regex patterns). Portfolio data cleaned into tidy JSON summary. Raw payloads discarded.

3

Laksha AI runs Llama 3.2 1B at the edge

Workers AI binding. Temperature 0.1, max_tokens 150. Guided JSON for structured responses. Observational only.

4

Dashboard renders statistical observations

Star classifications, allocation drift, tax impact numbers. Read-only. No buy/sell triggers.

Frequently Asked

What is the Account Aggregator framework? +
Account Aggregator is an RBI-licensed framework for consent-based financial data sharing. LakshaFin acts as an FIU (Financial Information User) through Anumati (Perfios) as TSP. CAMS and KFintech are FIPs (Financial Information Providers) that deliver your mutual fund data with your explicit OTP consent.
Is my data safe? +
Raw AA payloads are processed in-memory and discarded. Only structured analytics (star ratings, allocation percentages) are saved locally on your device. The API is protected by Cloudflare Zero Trust. All traffic encrypted with TLS 1.3. DPDP-compliant instant deletion available.
What do the star ratings mean? +
Each fund gets a composite score (0–100) based on Consistency, Volatility, and Recency metrics compared to category peers, then mapped to a star classification. 5★ Outperforming / Leading (75+). 4★ Within Threshold / Balanced (55–74). 3★ Variance Detected / Deviated (40–54). 2★ Underperforming / Lagging (<40). These are statistical observations, not recommendations.
Does Laksha AI give buy/sell advice? +
No. Laksha AI provides data-driven observations only — "Fund X is classified as Lagging, trailing category by 3.1%." It will never say "buy this" or "sell that." Tax numbers are informational: "If redeemed, estimated tax: ₹X." LakshaFin is not a SEBI-registered investment advisor. Always consult a qualified advisor.
What AI model powers Laksha AI? +
Llama 3.2 1B running on Cloudflare Workers AI at the edge. Temperature 0.1 for deterministic output. Max 150 tokens per response. Portfolio data is pre-processed into clean structured JSON before model invocation — the SLM acts as an NLP pipeline analyzer, not a general chatbot.

Stop Guessing.
Start Observing.

Sync your portfolio and see statistical benchmark classifications for every fund — in under 60 seconds.

Download LakshaFin APK →

Android only · Mobile/Email OTP login · No Play Store needed

OTP

Secure Login

0

Data Stored

<60s

To Analyze