Why Scheme-Wise Investment Summaries Are a Must in Mutual Fund Software for Distributors?

Sometimes, when you open a client’s portfolio, everything looks fine at the surface: the total AUM looks good, returns seem okay, and nothing looks alarming.

But the moment you drill down… You realise that the overall portfolio return is being pulled down by one or two schemes. Or maybe one fund is doing exceptionally well, but the investor has barely invested in it.

This is exactly where Scheme-Wise Investment Summaries in mutual fund software for distributors are changing the game for MFDs. They show you the real story behind the numbers — scheme by scheme, fund by fund — in the simplest way possible.

What Exactly Is a Scheme-Wise Investment Summary?

Think of it as a microscope for every mutual fund investment.

 Instead of looking at the portfolio as one single number, it breaks it down into:

●    Each individual scheme

●    Investment amount

●    Current value

●    Profit/Loss

●    Category allocation

●    Returns in %

●    XIRR

●    Fund type (Equity, Hybrid, Debt, etc.)

It gives you a crystal-clear picture of what’s working… and what’s not.

Why MFDs Actually Need This

Not because it looks fancy.

Not because it’s a “feature”.

But it solves real problems that MFDs face every single day.

Here’s how it helps you in your day-to-day advisory.

Pinpoint the Exact Source of Portfolio Gains or Losses

Let’s say an investor’s total portfolio return shows +9%.

Good, right?

But what if:

●    One scheme is giving +22%

●    Another is giving -6%

●    Two are flat

●    One is severely underperforming

A Scheme-Wise Summary reveals those details instantly. You don’t have to guess which fund is dragging performance — the system shows it clearly.

Make Investor Discussions Simple and Transparent

Most investors don’t understand complex jargon. But they understand simple comparisons like:

“Scheme A = Your investment ₹1,00,000 → Now ₹1,35,000”

“Scheme B = Your investment ₹2,00,000 → Now ₹1,92,000”

These simple visuals build trust. When you explain scheme-wise performance instead of overall return, investors get clarity — and respect your advice even more.

Faster Review Meetings

Review calls become effortless when everything is laid out scheme-wise. Instead of:

●    Opening multiple folios

●    Checking separate statements

●    Doing manual math

You simply open one clear summary and walk investors through their entire portfolio — scheme by scheme, category by category. This saves time for you and the investor.

Clear Category Allocation Insights

Ever seen a portfolio overloaded with midcaps without the investor even realizing it? Or too much money sitting in liquid schemes for no reason? Scheme-wise summaries show category allocation instantly:

●    Large-cap

●    Mid-cap

●    Small-cap

●    Short-term debt

●    Hybrid

●    ELSS

●    And more

This helps you balance the investor’s risk level properly.

No More Manual Errors or Guesswork

Earlier, many MFDs relied on Excel sheets or manually prepared reports.

That means higher chances of:

●    Typing errors

●    Wrong calculations

●    Missing transactions

A scheme-wise summary in the mutual fund software for distributors in India updates automatically — every purchase, every redemption, every SIP. You simply open it and everything is accurate.

Helps in Tax Planning & Exit Decisions

Scheme-wise details help you know:

●    Which schemes have long-term gains

●    Which ones have short-term gains

●    Which ones have losses useful for tax harvesting

This makes your tax recommendations sharper and more effective.

Conclusion

Scheme-wise investment summaries are not just another feature inside software — they’re a practical, everyday tool that helps MFDs work faster, explain better, and build stronger investor trust. When every scheme’s story is clearly visible in one place, reviews become smoother, conversations become clearer, and decisions become far more confident. It’s a small feature that makes a big difference in how professionally and transparently you can manage every client’s portfolio.

FAQs

What exactly is a scheme-wise investment summary?

A scheme-wise investment summary is a detailed breakdown of each mutual fund scheme an investor holds. It shows how much was invested, how much it has grown to, and whether it is in profit or loss. Instead of showing only the total portfolio value, it gives clarity on how each individual scheme is performing.

Why is scheme-level visibility important for MFDs?

It helps MFDs understand where returns are coming from and where issues may be building up. When each scheme’s value, gains, and trends are visible, it becomes easier to review portfolios, recommend switches, and explain performance clearly during investor conversations.

How does a scheme-wise summary support better investor decisions?

Investors often rely on MFDs to tell them which funds are working and which need attention. A scheme-wise summary provides the facts in an easy-to-understand format. When investors can see scheme-level progress instead of one big combined number, their decisions become more confident and less emotional.

Does scheme-wise reporting help with goal-based planning?

Yes. It becomes much easier to link specific schemes to specific goals when each scheme’s performance is documented clearly. If a fund mapped to a goal is underperforming, the MFD can intervene early and realign the portfolio, ensuring that long-term goals stay on track.