Is this a SIF return calculator?

No. The Fit Check does not calculate your future returns, project a maturity value or recommend a product. It assesses whether a SIF deserves portfolio-level consideration.

Is a ₹10 lakh portfolio enough to invest in a SIF?

₹10 lakh may meet the regulatory minimum in ordinary cases, but FinEdge does not consider that sufficient evidence of suitability. Concentration and complete-portfolio context remain separate decisions.

What portfolio value does the calculator use?

Equity and hybrid mutual-fund holdings plus direct equity. It excludes debt funds, fixed deposits, property, gold, insurance values and emergency cash for this specific concentration assessment.

Can a SIF reduce portfolio risk?

Some strategies may be used with a risk-control objective, but SIFs remain market-linked. Short exposure or a long-short label does not guarantee protection, capital safety or positive returns.

Can a SIF help me earn higher returns?

Some strategies may take informed incremental risk for greater return potential. A sophisticated strategy does not assure higher returns, and higher returns alone do not establish a portfolio role.

Why does the calculator stop before recommending a SIF?

Product fit depends on the investor's situation, goals, priorities, cash flows, expectations and complete portfolio. More automated questions would create false precision and imitate a recommendation engine.

What if I already own a SIF?

The first priority is to review its current role, total SIF exposure, overlap and interaction with the core portfolio before considering any addition, switch or redemption.

SIF Investing · Portfolio Fit

SIF Portfolio Fit Check Calculator

Q: How much of my portfolio should be in SIFs?

There is no universal SIF percentage. In a ₹50 lakh portfolio, even a ₹10 lakh allocation may create too much concentration; in a ₹2 crore portfolio a larger allocation may be reasonable when the strategy has a clear role. The complete portfolio context, not a fixed number, decides.

Could a SIF play a meaningful role in your portfolio?

Answer a few focused questions about portfolio room, purpose, horizon and existing structure. The Fit Check will show whether a SIF deserves further consideration — and where an automated answer must stop.

Check My Portfolio Fit

No product ranking. No allocation recommendation. Your result appears before any contact step. No storage and no sign-in.

Fit Check · Question 1

Ordinarily two to four questions. No storage, no sign-in.

Portfolio room (current level)
Purpose
Horizon
Portfolio structure

What this tool assumes

SEBI's general minimum is ₹10 lakh in aggregate across investment strategies under the same SIF at PAN level for a non-accredited investor. The Fit Check uses ₹10 lakh only to explain concentration. It does not determine account-level eligibility or suitability.

SIF subscription and redemption terms are strategy-specific. Money required immediately or within a few days should not be evaluated through this tool as if a SIF were a cash-management product.

What can the SIF Portfolio Fit Check tell you?

The Fit Check reads portfolio room, intended purpose, time horizon and existing structure. The tool can help establish whether a SIF deserves a place in the conversation. It cannot decide what deserves a place in your portfolio.

It does not forecast returns or maturity values.
It does not recommend a product, strategy or allocation.
It does not tell an existing investor to hold, add, switch or redeem.
It does not replace the current ISID, portfolio disclosures, tax guidance or human judgement.

The Fit Check does not calculate your future returns, project a maturity value or recommend a product.

How the relevant portfolio and the bands are defined

For this Fit Check, include equity and hybrid mutual-fund holdings plus direct equity. Do not include debt funds, fixed deposits, real estate, gold, insurance values or emergency cash. Everything the Fit Check says about concentration is measured against that denominator alone.

Corpus bands. Below ₹10 lakh means under ₹10 lakh; ₹10–40 lakh means ₹10 lakh or more and under ₹40 lakh; ₹40–70 lakh means ₹40 lakh or more and under ₹70 lakh; ₹70 lakh–₹1 crore means ₹70 lakh or more and under ₹1 crore; ₹1–2 crore means ₹1 crore or more and under ₹2 crore; ₹2 crore and above means ₹2 crore or more.

There is no universal SIF percentage or fixed portfolio denominator. In a ₹50 lakh portfolio, even a ₹10 lakh allocation—20%—may create too much concentration. In a ₹2 crore portfolio, a larger allocation may be reasonable when the specific strategy has a clear role. A hybrid SIF may sometimes justify a more substantial allocation when it replaces riskier equity exposure. The decision depends on the strategy and the investor's complete portfolio context.

How the questions are sequenced

The Fit Check reads portfolio room first, then intended purpose, then time horizon, then portfolio structure. An existing SIF holding routes straight to a review of that exposure. Smaller portfolios settle earlier because concentration already answers the question. A horizon under two years, an undefined horizon or an unclear portfolio structure changes the result. No question is asked that cannot change the outcome.

Keep emergency and immediately required money separate. SIF subscription and redemption windows are strategy-specific. Money required at any time or within a few days should ordinarily remain outside the amount being evaluated. The exact dealing window and settlement timeline must be checked in the current scheme documents.

SEBI's general minimum is ₹10 lakh in aggregate across investment strategies under the same SIF at PAN level; accredited investors are exempt from this minimum. The Fit Check uses ₹10 lakh to explain concentration—it does not determine account-level eligibility. These regulatory inputs were last materially verified on 7 August 2026 against the current SEBI SIF framework.

Harsh Gahlaut

Co-founder & CEO, FinEdge

Harsh is the Co-Founder and Chief Executive Officer of FinEdge. His work has centred on FinEdge’s investing philosophy, business model, Dreams into Action, the Bionic Model, AI-enabled direction and long-term strategy.

Decision logic and copy last materially verified on 7 August 2026.

What should you explore next about SIF investing?

FinEdge is an AMFI-registered Mutual Fund & SIF Distributor. A dedicated Investment Manager can examine a specialised strategy alongside your goals, current exposures, risk capacity, liquidity needs and behaviour. Mutual fund and SIF investments are subject to market risks; read all scheme-related documents carefully.

SIF Portfolio Fit Check Calculator

What can the SIF Portfolio Fit Check tell you?

Frequently asked questions about SIF portfolio fit

What should you explore next about SIF investing?