The performance curve on Console shows you a visual representation of your portfolio's actual performance over time, tracking both realised and unrealised profits and losses while excluding deposits and withdrawals. This feature is currently in beta and displays data as of T-2 days.
The performance curve gives you a clearer picture of how your investments are actually performing, similar to how mutual funds use NAV curves, but calculated for your entire portfolio.
How the performance curve works
Your portfolio performance curve begins with a base NAV of ₹1,000 from either July 1, 2022, or when your account first reaches ₹1,000 (whichever comes first).
When you add funds, Console creates new units based on the previous day's NAV. When you withdraw funds, Console subtracts units. Your current NAV equals the total value divided by the number of units.
You can view the portfolio performance curve separately for equity and mutual funds by clicking on Equity or Mutual funds, or click on Portfolio for a combined view.
Example scenario
Here's how the performance curve calculates your portfolio:
Initial setup:
- Initial account value: ₹10,000
- NAV: ₹1,000
- Total units: 10 (₹10,000 ÷ ₹1,000)
Adding funds:
- Added funds: ₹5,000.
- New units created: 5 (₹5,000 ÷ ₹1,000).
- Total units after addition: 15 (10 original units + 5 new units).
- NAV calculation: NAV remains unchanged at ₹1,000.
- Total account value: ₹15,000 (15 units × ₹1,000 NAV).
The performance curve accurately shows no profit or loss since the NAV stays constant at ₹1,000.
Performance curve with profit/loss
The table below shows how the performance curve reflects profit or loss:
| Day | Profit/Loss | Account value | NAV | Units held |
| Day 1 | 0 | ₹10,000 | ₹1,000 | 10 (₹10,000 ÷ ₹1,000) |
| Day 2 | ₹1,000 |
₹11,000
(₹10,000 + ₹1,000) |
₹1,100
(₹11,000 ÷ 10 units) |
10 (unchanged) |
| Day 3 | - ₹2,000 |
₹9,000
(₹11,000 - ₹2,000) |
₹900
(₹9,000 ÷ 10 units) |
10 (unchanged) |
Comparing with benchmarks
You can add NIFTY50 as a benchmark to compare your portfolio's growth over time. Click on
Compare
and select
NIFTY 50
to see the percentage change in your portfolio and the index. Hover over the curve to view changes for any specific time period.
Things to keep in mind
- Console makes adjustments in value and units to account for IPOs and corporate actions like bonuses and splits, ensuring only realised and unrealised profit and loss appear in the performance curve.
-
The
difference between the account value curve and portfolio performance curve
is that the equity and commodity account value curve factors in both withdrawals and deposits, whereas the portfolio performance curve reflects only realised and unrealised P&L, providing you with a more accurate representation of your portfolio's performance.