Is your money working hard enough?
Get your mutual funds and investments reviewed by real advisers — not just an app. Simple, clear advice on what to buy, hold or sell, matched to your goals and risk comfort. Backed by 22+ years in the finance industry.
No jargon. No spam. Your first health check is on us.
- 22+ yrs
- Industry experience
- SEBI
- Registered adviser
- 3 min
- To your first review
Portfolio Value
₹1.84 Cr
+18.4% a year
Portfolio Health Check
80/100
🟡 Good
Your returns vs Nifty 50
AI insight readyTrusted infrastructure for professional advisory
Are you confused with your investments?
Everyone has these questions. Instead of guessing (or trusting a random tip), get clear, unbiased answers from a real adviser.
Retail apps show the surface. You need the depth.
Moneycontrol and Paytm Money are built for self-monitoring — not for professional portfolio reviews. That's the gap Mirasep fills.
Consumer apps
- They don't show how consistent your returns really are
- No clear picture of how much your money could fall in a bad phase
- They can't tell you if two funds are secretly holding the same stocks
- No way to know if a fund is lagging its peers
- Only a basic risk meter — not a proper adviser's view
Mirasep Finserve
- 3Y & 5Y rolling returnsReturns measured across many overlapping time windows — so you see consistency, not just one lucky date. vs the market
- Maximum drawdownThe biggest drop from a peak to a low. It shows how much your money could fall in a bad phase. and recovery analysis
- Fund overlapWhen two funds hold many of the same stocks. High overlap means you are less diversified than you think. that flags duplicate exposure
- Z-scoreA simple score showing how far a fund is from its category average. Below zero means it is lagging peers., quartile ranking & capture ratios
- Full SEBI risk profiling + your Portfolio Health Check
Services we offer
Everything you need to invest with confidence — in plain, simple language.
Portfolio Review & Rebalancing
A clear health check of your funds and stocks, with buy / hold / sell guidance.
Goal-Based Planning
Retirement, children's education, a home — a roadmap for each life goal.
Risk Profiling & Insurance
Know your true risk comfort and whether your family is properly protected.
Mutual Fund & SIP Advisory
Which funds, how much, and SIP vs lumpsum — matched to your situation.
Tax & Estate Guidance
Simple, legal ways to keep more of your returns and plan your legacy.
Ask-Anything Support
An AI assistant plus real advisers for your everyday money questions.
The metrics that actually drive advice
Every fund and the blended portfolio are run through an institutional-grade analytics engine — the same lens a professional reviewer would apply.
Rolling Returns
3Y / 5YConsistency across every window, not just point-to-point.
Max Drawdown
RiskPeak-to-trough declines and recovery time.
Portfolio Overlap
Look-throughDuplicate stock exposure hidden across funds.
Z-Score
StatisticalHow far returns deviate from the mean.
Capture Ratios
Up / DownHow funds behave in rising vs falling markets.
Negative Returns
FrequencyHow often — and how deeply — a fund goes red.
Drawdown Analysis
Max: −23.4%Sharpe Ratio
1.12
Up Capture
104%
Down Capture
88%
The Portfolio Health Check
Think of it as a full-body check-up for your money. We look at 5 key areas of your finances and give you one simple score out of 100 — so you instantly know what's healthy and what needs attention.
- ProtectionInsurance & emergency cover
- Cash Flow & DebtSavings rate & liabilities
- Investment HealthAllocation & discipline
- Retirement & GoalsLong-term readiness
- Tax & EstatePlanning & nomination
Sample Client Report
🟡 Good · 80/100From raw holdings to signed-off advice
Connect
Import holdings from brokers, NSE/BSE or a CAMS/KFintech CAS statement — or upload manually.
Analyze
The engine computes 20+ KPIs and the AI workflow interprets them into structured insights.
Report
Generate a template-driven, client-ready PDF with charts, findings and a priority action plan.
Advise
Answer client questions in natural language and schedule the next review — all in one place.
Ask your money anything
Type your question in plain English (or Hindi) and get a clear, honest answer backed by your real numbers — not guesswork or a sales pitch.
- Grounded in your actual holdings and KPIs
- Explains the “why”, not just the number
- Turns answers into report-ready talking points
Mirasep AI Assistant
OnlineHow Mirasep compares
Apps help you transact. We help you decide. Hover any term to see what it means in plain language.
| Capability | Moneycontrol | Paytm Money | Zerodha | Groww | Dezerve | Mirasep |
|---|---|---|---|---|---|---|
| Rolling returnsReturns measured across many overlapping time windows — so you see consistency, not just one lucky date. | ||||||
| Drawdown analysisThe biggest drop from a peak to a low. It shows how much your money could fall in a bad phase. | ||||||
| Fund overlapWhen two funds hold many of the same stocks. High overlap means you are less diversified than you think. | ||||||
| Z-scoreA simple score showing how far a fund is from its category average. Below zero means it is lagging peers. | ||||||
| SharpeReturn earned for the risk taken. A higher number means better returns for each unit of risk. & capture ratiosHow much of the market's ups and downs your portfolio catches. You want more of the ups, fewer of the downs. | ||||||
| Full SEBI risk profiling | ||||||
| Portfolio Health Check score | ||||||
| AI insights & plain-language reports | ||||||
| Advice from a SEBI-registered adviser | ||||||
| Commission-free (fee-only) advice |
Comparison is based on publicly available features at the time of writing and is for general information only. Platform features change frequently — please verify current offerings on each provider's website. All product names and trademarks belong to their respective owners.
Simple, transparent pricing
Start free. Upgrade only when you want full-circle advice tailored to your risk appetite, time horizon and return goals.
First Review
See where you stand — no cost, no obligation.
- Portfolio Health Check score
- Returns vs benchmark snapshot
- Top 3 things to fix
- Plain-language summary report
Full-Circle Advice
Complete advice matched to your risk appetite, time horizon and return expectations.
- Everything in First Review
- Personalised asset allocation plan
- Risk profiling & goal mapping
- Fund-by-fund buy / hold / sell calls
- 2 review calls with a SEBI-registered adviser
- Ask-anything AI assistant access
Family Wealth
Ongoing guidance for the whole family's investments.
- Everything in Full-Circle Advice
- Up to 4 family members
- Quarterly rebalancing reviews
- Tax & estate planning guidance
- Priority adviser support
Fees are advisory charges only. We are a SEBI-registered investment adviser — we do not earn commissions on the funds we recommend, so our advice stays unbiased. GST applicable as per rules.
Real advisers. Real experience.
Dr. Dipak Naik
Founder · SEBI-Registered Adviser
- SEBI-Registered Investment Adviser (RIA)
- 22+ years across mutual funds, equities & financial planning
- Advised families, professionals and business owners
“Most people don't need more products — they need clarity. Our job is to cut through the noise and tell you, in plain words, what's right for your money and your goals.”
— Dr. Dipak Naik
Qualified analysts
CFP & NISM-certified professionals behind every review.
Client-first team
Dedicated support that speaks your language — literally.
Unbiased by design
Fee-only advice. No fund commissions, no hidden agenda.
Start your 1st portfolio review — free
Get your Portfolio Health Check and clear, plain-language advice on what to buy, hold or sell — in minutes. No card required.