What is the performance curve on Console?

The performance curve on Console is a visual representation of your portfolio's actual performance over time. It tracks both realised and unrealised profits and losses while excluding deposits and withdrawals. This gives you a clearer picture of how your investments are actually performing. Just as mutual funds use the NAV curve, the portfolio performance curve is calculated the same way, but for your entire portfolio.

The 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 funds are added, new units are created based on the previous day’s NAV. When funds are withdrawn, units are subtracted. The total value divided by the number of units gives you the current NAV

The portfolio performance curve can be viewed separately for equity and mutual funds by clicking on Equity or Mutual funds or by clicking on Porfolio for a combined view.

Example scenario

1. 1. 1. Initial account value: ₹10,000.
      2. NAV is ₹1,000.
      3. Total units: 10 (₹10,000 ÷ ₹1,000).
      4. Added funds: ₹5,000.
      5. New units created: 5 (₹5,000 ÷ ₹1,000).
      6. Total units after addition: 15 (10 original units + 5 new units).
      7. NAV calculation: NAV remains unchanged at ₹1,000.
      8. Total account value: ₹15,000 (15 units × ₹1,000 NAV).
      9. The performance curve accurately shows no profit or loss since the NAV stays constant at ₹1,000.

The table below represents the performance curve if there is a profit or loss:

To gain better insights into your portfolio’s performance, you can add NIFTY50 as a benchmark and compare its growth over time. Click on Compare and select NIFTY 50 to see the percentage change in the portfolio and the index. Hover over the curve to view the changes for any specific time period.

Did you know?

• Adjustments in the value and units are made to account for IPOs and corporate actions like bonuses, splits, etc., to ensure only realised and unrealised profit and loss are reflected in the performance curve.
• 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 a more accurate representation of the portfolio's performance. To learn more, see What is the difference between the Account value curve and the Portfolio performance curve?