Life Insurance Protection Meter
You're well-protected.
Current cover: ₹2.5 Cr
Recommended: ₹3.0 Cr
82% protected
HDFC
HDFC Life Click 2 Protect
Policy No. 18-2847361-00
Term
Sum Assured₹2,00,00,000
Annual Premium₹18,240
Premium Due15 Aug 2025
Policy Expiry2051
NomineePriya Sharma (Spouse)
⏰ 23 days to renewal
STAR
Star Health Comprehensive
Policy No. P/211235/01/2025/006
Health
Cover₹10,00,000
Annual Premium₹22,800
Premium Due3 Oct 2025
Members CoveredSelf + Spouse + 1 Child
Last year's premium₹19,600
⚠️ Premium up by +16.3% vs last year. Consider comparing rates before renewal.
BAJA
Bajaj Allianz Car Insurance
MH-02-AB-1234 · Swift Dzire 2022
Car
IDV₹5,40,000
Annual Premium₹11,200
Premium Due18 Dec 2025
✓ Renews in 173 days
LIC
LIC Jeevan Anand
Policy No. 884923710
Lapsed
⚠️ This policy has lapsed. Contact your FolioMunshi immediately to explore revival options.
Sum Assured₹50,00,000
Last PremiumMarch 2024
Total Invested
₹12,40,000
Across 4 funds
Current Value
₹18,42,380
▲ +₹6,02,380 (48.6%)
XIRR
14.2%
Annualised return
Today's Change
+₹4,820
+0.26% vs yesterday
Financial Goals
🎓 Child's Education
On Track
Target₹25,00,000 by 2033
Current corpus₹8,40,000
🏖️ Retirement Corpus
Needs Attention
Target₹3,00,00,000 by 2045
Current corpus₹10,02,380
Your Funds
PPFAS
Parag Parikh Flexi Cap
Direct Growth · Folio 12345678
Active SIP
Units Held342.18
Current NAV₹82.14
Current Value₹28,103
Invested₹21,000
Gain+₹7,103 (+33.8%)
MIRAE
Mirae Asset Large Cap
Direct Growth · Folio 87654321
Active SIP
Current Value₹5,42,800
Invested₹4,20,000
Gain+₹1,22,800 (+29.2%)
✨ FD Health Analysis — AI Powered
Your FD portfolio is earning a weighted average of 7.1% p.a. SBI is offering 7.25% on 2-year FDs — your HDFC FD maturing in Sep 2025 could be reinvested at a better rate. Estimated additional interest over 2 years: ₹1,560.
Rate comparison: 3 better options found →
HDFC
HDFC Bank Fixed Deposit
FD No. FD2023091234
Principal₹2,00,000
Interest Rate7.00% p.a.
Maturity Date12 Sep 2025
Maturity Amount₹2,28,600
Interest Earned+₹28,600
SBI
SBI Fixed Deposit
FD No. SB2024030021
Principal₹3,00,000
Interest Rate7.25% p.a.
Maturity Date14 Apr 2026
Maturity Amount₹3,21,750
Taxable Interest (FY25)₹11,200
Loan Portfolio Summary
Total Outstanding
₹52,40,000
Monthly EMI
₹38,500
Active Loans
2
HDFC
HDFC Home Loan
Loan A/C: HL-2021-44892
Home Loan
Original Amount₹60,00,000
Outstanding₹44,80,000
EMI₹28,500/mo · 10th of month
Interest Rate8.75% p.a. (floating)
EMIs Remaining194 of 240
Principal repaid19%
🤖 AI Prepay Advisor: Good time to consider prepayment — you're 19% through the loan and 78% of your remaining EMIs are still going toward interest. A prepayment of ₹5L now could save approx. ₹2.8L in total interest.
ICICI
ICICI Car Loan
Loan A/C: CL-2023-19421
Car Loan
Outstanding₹7,60,000
EMI₹10,000/mo · 5th of month
Rate9.5% p.a. (fixed)
EMIs Remaining48 of 60
Principal repaid20%
🤖 AI Prepay Advisor: Prepayment lock-in period ends in 3 months (Oct 2023 + 12 mo). Consider evaluating once eligible.
WhatsApp Portfolio Bot
Get your complete financial summary on WhatsApp — anytime, anywhere. Just send a message to your FolioMunshi number.
You: Hi, show me my portfolio summary
FolioMunshi Bot 🤖
📊 Rahul's Portfolio — 26 May 2025
🛡️ Insurance
• Term: ₹2 Cr (HDFC Life) · Due 15 Aug
• Health: ₹10L (Star Health) · Due 3 Oct
• Car: ₹5.4L IDV · Due 18 Dec
📈 Mutual Funds
• Current value: ₹18,42,380
• Gain: +₹6,02,380 (+48.6%)
• XIRR: 14.2%
🏦 Fixed Deposits
• Total: ₹5,00,000 across 2 FDs
• HDFC FD matures in 47 days ⚠️
🏠 Loans
• Total EMI: ₹38,500/mo
• Outstanding: ₹52.4L
Reply HELP for more options.
📊 Rahul's Portfolio — 26 May 2025
🛡️ Insurance
• Term: ₹2 Cr (HDFC Life) · Due 15 Aug
• Health: ₹10L (Star Health) · Due 3 Oct
• Car: ₹5.4L IDV · Due 18 Dec
📈 Mutual Funds
• Current value: ₹18,42,380
• Gain: +₹6,02,380 (+48.6%)
• XIRR: 14.2%
🏦 Fixed Deposits
• Total: ₹5,00,000 across 2 FDs
• HDFC FD matures in 47 days ⚠️
🏠 Loans
• Total EMI: ₹38,500/mo
• Outstanding: ₹52.4L
Reply HELP for more options.
You: When is my next insurance premium due?
FolioMunshi Bot 🤖
⏰ Upcoming Premiums
1. HDFC Life Term — ₹18,240 due 15 Aug (23 days)
2. Star Health — ₹22,800 due 3 Oct (72 days)
3. Bajaj Car — ₹11,200 due 18 Dec (173 days)
Want me to remind you 7 days before each due date?
Try on WhatsApp
⏰ Upcoming Premiums
1. HDFC Life Term — ₹18,240 due 15 Aug (23 days)
2. Star Health — ₹22,800 due 3 Oct (72 days)
3. Bajaj Car — ₹11,200 due 18 Dec (173 days)
Want me to remind you 7 days before each due date?
👨👩👧 Nominee Emergency Access
Your nominee gets a private, read-only link. No FolioMunshi account needed. They enter one PIN — and see everything they need to file claims, access investments, and protect your family's wealth.
foliomunshi.in/n/r8k2m9xq
🔐 Nominee PIN is set by you — not shared with us. Only your nominee knows it.
PK
Priya Sharma
Nominee · Spouse
Access Active
Access typeRead-only emergency view
Can seeInsurance, MF, FD, Loans
Last accessedNever (emergency only)
Link statusActive · Never expires
How it works:
1. You set an emergency PIN for your nominee
2. Share the link + PIN with your nominee (or keep it with your will)
3. In an emergency, they open the link, enter the PIN, and see your complete financial picture immediately
4. They cannot make any changes — read-only, always
1. You set an emergency PIN for your nominee
2. Share the link + PIN with your nominee (or keep it with your will)
3. In an emergency, they open the link, enter the PIN, and see your complete financial picture immediately
4. They cannot make any changes — read-only, always