Total AUM
₹ 18.4 Cr
+4.2% vs last month
Invested Value
₹ 16.1 Cr
Unrealised gain ₹ 2.3 Cr
Monthly SIP Book
₹ 2.85 L
12 active mandates
Portfolio XIRR
14.8%
+210 bps vs benchmark
VA
Vikram Agarwal
Primary holder · Age 48
PAN AGSPK1234M
Mobile +91 98200 34127
KYC Verified
Risk profile Aggressive
Segment Ultra HNI
Family: Neeta Agarwal (spouse), Aryan Agarwal (son, 19)
Relationship since: March 2019
Asset allocation
Current mix vs strategic asset allocation
As on 18 Aug 2026
14.8%
XIRR
Equity (60% / target 55%)
₹ 11.04 Cr
Debt (25% / target 28%)
₹ 4.60 Cr
Alternatives (10% / target 12%)
₹ 1.84 Cr
Cash / Liquid (5% / target 5%)
₹ 0.92 Cr
!
Allocation drift detected
Equity is 5 percentage points above SAA. Sentinel recommends moving ₹ 92 L from equity arbitrage to short-duration debt.
Drift · P2 · Suggested by Sentinel Copilot
Goal progress
🎓
Aryan's higher education
Target ₹ 3.0 Cr by Aug 2030
68%
🏖️
Retirement corpus
Target ₹ 25 Cr by Mar 2041
42%
🏠
Weekend home purchase
Target ₹ 4.5 Cr by Dec 2028
51%
🚨
Emergency liquid fund
Target ₹ 1.5 Cr (12 months expenses)
91%
Holdings
Live valuations from RTA feeds and exchange mark-to-market
Full drilldown
Product
Units
NAV / Price
Value
Allocation
1M
Canara Robeco Equity Tax Saver
ELSS · Growth · Direct
14,820.55
₹ 145.72
₹ 2.16 Cr
11.7%
+3.4%
Nippon India Small Cap Fund
Equity · Small cap · Direct
21,340.20
₹ 82.45
₹ 1.76 Cr
9.6%
+5.1%
SBI Balanced Advantage Fund
Hybrid · Dynamic allocation
38,100.80
₹ 68.30
₹ 2.60 Cr
14.1%
+1.8%
Indus Growth AIF III
Category III · Long-only
18.50
₹ 9.95 L
₹ 1.84 Cr
10.0%
+2.2%
HDFC Corporate Bond Fund
Debt · Corporate bond · Direct
42,750.00
₹ 107.60
₹ 4.60 Cr
25.0%
+0.6%
Tata Liquid Fund
Liquid · Daily dividend
85,420.10
₹ 107.70
₹ 0.92 Cr
5.0%
+0.3%
Bajaj Allianz Life Goal Assure
ULIP · Wealth Maximize
1
Policy
₹ 0.72 Cr
3.9%
NA
TCS Ltd
Equity · Large cap · Demat
850
₹ 4,820.00
₹ 4.10 Cr
22.3%
+4.8%
Sentinel Copilot
Vikram's concentrated TCS position has crossed 22% of household AUM. I have prepared a tax-aware staggered exit plan and two replacement fund options that keep sector exposure under 15%.
Next Best Action
Aryan's education goal is 68% funded but 18 months behind glide path. Increasing the monthly SIP by ₹ 18,000 closes the gap without affecting the retirement trajectory.
Recent activity
SIP registered for Nippon Small Cap
₹ 45,000/month via ICICI Bank mandate
Today, 09:14 IST
KYC re-verification triggered
Neeta Agarwal's CKYC record expires on 12 Sep 2026. Email sent.
Yesterday, 16:40 IST
Proposal reviewed
AIF III commitment proposal viewed by client for 8 minutes.
16 Aug 2026, 11:22 IST
Portfolio rebalance
Switched ₹ 40 L from equity savings to corporate bond fund.
12 Aug 2026, 14:05 IST
Documents and compliance
📄
CKYC record - Vikram Agarwal
Verified · KRA001234567 · Expires 14 Jul 2029
Valid
📄
Risk profile questionnaire
Aggressive · Last updated 3 Mar 2025
Current
📄
Signed suitability note
AIF III subscription · SEBI Form B filed
Filed
📄
FATCA / CRS declaration
Self-certified · US indicia: none
On file
Advisor notes and reminders
Private workspace notes visible to Tier 1 IFA only
📝
Quarterly review prep
Vikram is sensitive to volatility in small caps but accepts tactical allocation. Prepare a 3-year rolling return chart for the small cap fund to anchor the conversation. Reminder: discuss succession planning for son Aryan before year-end.
Added by Rishi Arya · 14 Aug 2026