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Flexi Cap Fund SEBI Risk: Very High AMC: Institutional AMC

AMFI Scheme SBI_CONTRA_DIR

Benchmark: NIFTY 500 TRI • Manager: Senior Fund Manager • Portfolio Date: 2026-10-13
Composite Health Score
Coverage Pending
68.3% / 70.0% Verified
Look-Through Forensic Audit pending underlying constituent coverage. Full holdings breakdown available below.
Under SEBI RA 2014 Sec. 2(u) non-advisory standards, we strictly require verified 7-pillar institutional research on ≥70% of equity holdings (currently 68.3%) before issuing quantitative composite scores or qualitative AI audit narratives.
View Holdings Breakdown ↓
⚠️ Fiduciary Surveillance Alerts Triggered (1)
  • Look-Through Forensic Audit pending underlying constituent coverage (68.3% verified vs 70.0% threshold). Composite Health Score & qualitative narrative paused.
🔒 Deep Dive

Look-Through Forensics & Audit Narrative

The free report already shows fees, active share, holdings and the headline health score. The Deep Dive opens up what sits underneath the portfolio.

  • Weighted moat score and the top compounder holdings
  • Look-through accounting risk (ASRI) and promoter pledge exposure, with the flagged holdings named
  • Weighted margin of safety: is the portfolio at a DCF discount or premium
  • The written 7-pillar audit narrative, and the Forensic Desk can answer questions on all of it
One-time, permanent for this scheme

01: Dual-Sleeve Constituent Decomposition

Equity holdings evaluated via Forensic Equity Engine; Debt/bonds evaluated via Credit & Solvency Engine.
Equity: 22.7% (Score: Pending) Debt: 0.0% (Score: 0.0) Cash / TREPS: 15.1%
Identifier Security Name Type Weight Sector / Rating Engine Score Diagnostic Notes
TREPS Repo Margin CASH_EQUIVALENT 15.1% CASH 100.0 Liquid Cash / Sovereign Collateral
SBIN ↗ State Bank of India EQUITY 6.8% PSU Banks 82.0 Verified 7-Pillar Equity Dossier Available
HDFCBANK ↗ HDFC Bank Ltd EQUITY 4.5% Private Banks 82.0 Verified 7-Pillar Equity Dossier Available
ITC ↗ ITC Ltd EQUITY 4.2% FMCG 82.0 Verified 7-Pillar Equity Dossier Available
BHARATFORG ↗ Bharat Forge Ltd EQUITY 3.8% Auto Ancillary 76.0 Solid Core Holding (Pending 7-Pillar Audit)
FEDERALBNK ↗ Federal Bank Ltd EQUITY 3.4% Banks 73.0 Solid Core Holding (Pending 7-Pillar Audit)

02: True Diversification & Active Share

Exposing Closet Indexing: Active Share AS = 0.5 × ∑|w_fund - w_bench|
Active Share Score
68.0%
TRUE_ACTIVE_ALPHA

High Active Share: Portfolio significantly deviates from the passive benchmark, justified active fee.

Top 10 Holdings Concentration: 37.8%

03 & 04: Risk-Adjusted Alpha & Downside Capture

Evaluating asymmetrical compounding: Downside Capture Ratio vs Upside Capture Ratio.
Sortino Ratio
1.85
Downside Risk Only
Downside Capture
68.0%
Benchmark: ≤ 75%
Capture Spread
+34.0%
UCR (102.0%) - DCR
Hurst Exponent (H)
0.65
Persistent Momentum
3-Year Rolling Return Consistency: 80.0% of windows

05: Intermediary Fee Drag & Wealth Destruction

Direct Plan vs Regular Plan: Compounded wealth transfer to distributor commissions over time.
Annual Distributor Commission Drag
75.0 bps / yr (1.5% - 0.75%)
Time Horizon Direct Plan Value (Net) Regular Plan Value (Net) Cumulative Wealth Lost Percentage Corpus Destroyed
5 Years ₹1,704,120 ₹1,647,447 -₹56,673 3.3%
10 Years ₹2,904,024 ₹2,714,081 -₹189,943 6.5%
15 Years ₹4,948,804 ₹4,471,304 -₹477,501 9.6%
20 Years ₹8,433,355 ₹7,366,235 -₹1,067,120 12.7%

💡 Fiduciary Takeaway: A ₹10.0 Lakh investment loses ₹189,943 over 10 years purely to distributor commissions in the Regular plan.

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