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Household book

AUM, risk, XIRR, and drift status for top households

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Household	AUM	Risk	XIRR	Drift	Status	Action
Vikram Agarwal Household · 8 products	₹ 18.4 Cr	High	14.2%	+6.4%	Review	Drilldown
Shalini Mehra Household · 5 products	₹ 14.2 Cr	Moderate	12.8%	+2.1%	On track	Drilldown
Rohit & Priya Kapoor Household · 6 products	₹ 11.7 Cr	High	11.5%	+4.9%	Review	Drilldown
Nandini Subramanian Household · 4 products	₹ 9.3 Cr	Conservative	9.6%	-0.8%	On track	Drilldown
Prakash Bhatia Household · 7 products	₹ 8.1 Cr	Moderate	10.3%	+3.3%	Watch	Drilldown

Model portfolios are constructed in line with SEBI (RIA) guidelines and AMFI best-practice classification. Drift computed against latest approved model.

Asset allocation vs model

Aggregate practice-level mix and deviation from strategic benchmark

Allocation analytics

asset classes

Equity (52%)

+3.2%

Debt (34%)

-2.1%

Alternatives (9%)

-0.5%

Cash / Liquid (5%)

-0.6%

Drift trend

Average absolute drift vs 5% rebalance threshold

YTD 2026

Rebalancing queue

Trades reviewed, ready, and executed today

New rebalance

Review3

Agarwal household

Reduce equity by ₹ 2.1 Cr · 6 schemes

P1STCG check

Kapoor household

Add debt ladder · SIP top-up ₹ 75K

P2Tax aware

Ready2

Bhatia household

Switch large-cap to balanced advantage

P2Client approved

Arjun Nair

Book profits in mid-cap · redirect to liquid

P2Client approved

Executed4

Mehra household

Rebalanced at 10:42 · STT ₹ 4,820

DoneAMFI stamped

Model portfolio catalog

SEBI-aligned strategic models mapped to client risk scores

Product universe

Model	Benchmark	Equity	Debt	Alternatives	Risk	AUM mapped
Conservative Plus	CRISIL Hybrid 85+15	25%	65%	10%	Low	₹ 31.2 Cr
Balanced Growth	Nifty 50 Hybrid	55%	35%	10%	Moderate	₹ 58.6 Cr
High Growth	Nifty 200 TR	75%	15%	10%	High	₹ 42.8 Cr
Tactical Alpha	Custom multi-asset	60%	20%	20%	High	₹ 14.7 Cr

Sentinel Copilot

Next best action

Three households have concentrated equity exposure above 65%. I prepared two rebalancing options and a tax-aware loss-harvesting note. Would you like to review them now?

Review rebalancing Show loss harvests Schedule reviews

Cash drag alert: Shalini Mehra

₹ 8.4 L sits in savings beyond emergency buffer. Suggest a 3-month liquid-plus ladder.

Yield uplift ~4.8% · SEBI liquid fund norms

Tax-loss harvesting opportunity

Rohit Kapoor can harvest ₹ 1.2 L in short-term losses and rotate into a correlated index fund.

Estimated tax saving ~₹ 37,000 · FY 2026-27

Top drifts by household

Vikram Agarwal

Equity overweight

+6.4%

Rohit & Priya Kapoor