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Portfolio Risk Analyser for Indian Investors

Map concentration, liquidity, market, credit and illiquidity exposure across listed, private and real assets—without pretending one score can measure every risk.

Editable assumptionsIndian rupeesBrowser-only inputs

Interactive model

Map the risk hidden inside the allocation

Inputs stay on this device

Enter broad asset values. The model uses visible educational weights; it does not claim statistical precision or replace security-level analysis.

Indian equities

₹

International equities

₹

Debt funds / bonds

₹

Gold

₹

Physical real estate

₹

REITs

₹

Private equity / AIF

₹

Private credit

₹

Fixed deposits

₹

Cash

₹

View risk assumptions

Liquidity, market, credit and illiquidity weights are broad educational judgements from 0 to 1. They are visible in the result methodology and deliberately avoid a false scientific score.

Portfolio value₹2.9 crore

Largest allocation34.5%Physical real estate

Accessible capital₹1.4 crore47.6% weighted liquidity

Concentration index0.190 is dispersed; 1 is one asset

Portfolio allocation by entered value

Indian equities20.7%
International equities6.9%
Debt funds / bonds10.3%
Gold5.2%
Physical real estate34.5%
REITs3.4%
Private equity / AIF8.6%
Private credit5.2%

Market exposureElevated

Sensitivity to listed prices and economic revaluation.

Credit exposureLow

Reliance on an issuer or borrower paying as agreed.

Illiquidity exposureElevated

Capital that may be slow, costly or impossible to exit on demand.

Explain my result

No single entered allocation exceeds 40%, but shared economic drivers can still create concentration across labels. The model shows a meaningful liquid layer, although settlement terms and actual exit capacity still need checking.

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What this means

A diversified-looking list can still be concentrated in one economic driver. Property, REITs and private credit may all depend on refinancing conditions even when they appear under different labels.

Portfolio losses become damaging when they arrive alongside a cash need. Allocation, liquidity and first-loss exposure need to be read together.

Calculation method

How this tool works

Each exposure is an allocation-weighted indicator based on visible asset-class assumptions. Concentration also uses the largest holding and a Herfindahl-style allocation measure.

The analyser applies transparent educational weights to broad asset classes. These weights are not forecasts, volatility estimates or suitability scores. Change the amounts, inspect the assumptions and use the result as a prompt for deeper due diligence.

View calculation limitations

Results depend entirely on the values and scenarios entered. The model simplifies real legal, tax, liquidity, valuation and market conditions and should be used to understand relationships—not to predict an actual investment outcome.

Common mistakes

Where a correct calculation can still mislead.

01
Counting product labels instead of underlying economic exposures.
02
Treating an estimated property value as same-day liquidity.
03
Using a low-volatility history as evidence of low credit or valuation risk.
04
Ignoring commitments, guarantees and future capital calls.

Continue through the knowledge graph

Tools, guides and real cases connected to this result.

Learn the concept

Portfolio Allocation→Portfolio Risk Control→Portfolio Building Basics→

Test it in a case

Franklin Templeton's six debt schemes: when daily access met hard-to-sell credit→Gold in 2025: record demand, but three different buyers with three different motives→

Questions investors ask

Answers without the sales pitch.

Does this tool calculate my portfolio's exact risk?

No. It provides transparent qualitative indicators. Exact risk depends on the specific holdings, liabilities, correlations, legal terms and market conditions.

Why can private assets look less volatile?

They are priced less frequently. A smoother reported value can reflect appraisal timing rather than lower economic uncertainty.

What counts as liquid capital?

The model uses an accessible-capital weight for each broad asset class. Actual settlement periods, gates, taxes and buyer availability can differ.

Important information

AssetsNest tools and calculations are provided solely for educational and informational purposes. Results are illustrative and depend on assumptions entered by the user. Actual performance, liquidity, fees, taxes, risks and outcomes may differ materially. Nothing on this page is investment advice, a recommendation, solicitation, assurance of returns or an offer to buy or sell any security or investment product. Investors should conduct independent due diligence and consult appropriately qualified financial, legal and tax professionals where required. AssetsNest Investor Services — ARN 318691.

Stay with the question

Change the assumptions. Then read the evidence.

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