Netara audits your mutual funds, insurance, equity, and gold holdings across every silo — and surfaces the exact rupee cost of structural inefficiency hiding in your Total Net Yield.
Your bank-pushed mutual fund likely charges 0.6–1.2% extra in distributor commissions annually. On ₹50L in MFs, that's ₹30,000–60,000 per year, silently deducted before NAV is calculated.
Most insurance-cum-investment products sold between 2010–2020 deliver sub-5% post-tax returns. You're paying for the illusion of coverage and growth. Neither is efficient.
Gold held in jewellery. Real estate that generates 2.5% rental yield. 40% equity in the same 5 large-caps your RM recommended three years ago. No one has audited the whole picture.
Link your MF portfolio via CAMS/KFintech, equity via CDSL, and upload insurance policy documents. No credentials stored. Account Aggregator framework supported.
2 minutesOur engine calculates effective expense ratios, insurance IRR, tax drag from fund overlap, allocation efficiency versus your risk profile, and compares against benchmarks.
AutomatedA single, honest figure: your Total Net Yield, and the exact annual rupee cost of current inefficiencies — ranked by impact. Actionable, not decorative.
Your audit reportThe inefficiency in your portfolio isn't a single bad decision. It's a structural accumulation — small drags across every asset class that compound against you quietly every year.
For a typical ₹1 crore HNW-Lite portfolio, we find an average of ₹1.6–2.4 lakh in recoverable leakage annually — without taking on additional risk.
Regular vs. direct plan comparison, expense ratio benchmarking, fund overlap analysis, return attribution, and exit load calendar.
ULIP and endowment policy IRR calculation, insurance vs. investment unbundling, and term + equity replacement cost analysis.
Portfolio concentration risk, sector exposure, return attribution vs. benchmark, and tax harvesting opportunities on held positions.
Physical gold vs. SGBs vs. Gold ETF cost comparison, storage and making charges, and allocation efficiency vs. target allocation.
"We don't sell you products. We don't earn commissions. We earn when your net yield improves — and not a rupee before."
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Free for early access · No card required · Results in 48 hrs