Terms of use

Plain terms for a small service: what it is, what it is not, what it asks of you, and what it does not promise.

Portfolio Lens is run by Nikhil, for friends and family. Questions: nikhiltx31@gmail.com. Last changed 16 October 2026.

What it is

A reader for your own consolidated account statement from CAMS and KFintech. It shows the mutual funds the statement lists, how they are spread, what they have returned, and — from each fund house's monthly disclosure — what the funds hold underneath. It is free.

What it is not

Not advice. It reports what you hold and what it has done. Nothing on it is a recommendation to buy, hold, switch or sell; what to do is yours to decide, or your adviser’s.
Not tax advice. Tax figures are a model, not advice: an estimate under rules written into the code, which a change in the law can make wrong. None are shown in the hosted product today.
Not up to the minute. The look-through comes from each fund’s latest monthly disclosure, which lags by up to about 40 days. Prices refresh daily. It is not a tool for trading.
Not everything you own. Only the mutual funds on the statement. Stocks, EPF, deposits and insurance are not in it.

It refuses rather than guesses

A statement that does not cover your full history, or whose transactions do not add up to its own balances, is refused with the reason, and nothing from it is kept. A fund house’s filing that fails its own arithmetic is not loaded. A fund with no filing is shown as not covered, never as holding nothing. So some answers will be missing; that is deliberate.

What it asks of you

Upload only statements that are yours, or that the person named on them has asked you to look after.
Keep your keyword and your recovery code. Lose both and the data cannot be recovered by anybody; you would upload the statement again.
Invite only people you mean to show your portfolio to. A guest sees your funds, their shares and returns, and the name on the statement, with no amounts.

What it does not promise

It is provided as is, with no warranty. The figures are built from your statement and from data that fund houses, AMFI and others publish, and any of it can be wrong or late; check anything you act on against your statement, which stays the record. The service may change, or stop, at any time.

These terms

They are written for a service run for people the operator knows. They will be revised before any public launch, and a changed version is posted here with its date. What is kept about you, and who sees it, is in the privacy statement.