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NIFTY 50  ▲ 22,486 (+0.42%)| SENSEX  ▲ 74,012 (+0.38%)| NIFTY MIDCAP  ▼ 51,340 (−0.12%)| GOLD  ▲ ₹71,820/10g (+0.65%)| NIFTY IT  ▲ 38,560 (+1.12%)| USD/INR  ▼ 83.42 (−0.08%)| RBI REPO  6.50%| 10Y G-SEC  ▲ 7.12%| NIFTY 50  ▲ 22,486 (+0.42%)| SENSEX  ▲ 74,012 (+0.38%)| NIFTY MIDCAP  ▼ 51,340 (−0.12%)| GOLD  ▲ ₹71,820/10g (+0.65%)| NIFTY IT  ▲ 38,560 (+1.12%)| USD/INR  ▼ 83.42 (−0.08%)| RBI REPO  6.50%| 10Y G-SEC  ▲ 7.12%
AI-Powered Investment Insights

CLARITY
BEFORE
YOU INVEST.

Get data-driven asset allocation, smart filters, and clear verdicts — so you can invest with confidence, not guesswork.

📊 Data-Driven Insights
🧠 Built on Logic
⚖️ Clear Verdicts
📈 Smarter Investments
Get Your Verdict →
🔒
Secure & PrivateYour data is safe with us
👥
Trusted by ThousandsInvestors across India
🔬
Scientific ApproachBacked by data & research
📋
No AdvisoryWe provide clarity, not advice
4.9 / 5 RatingTrusted by smart investors
How It Works

YOUR VERDICT IN 4 STEPS

Answer a few smart questions and get a clear, data-driven verdict — your personalised path to confident investing.

01
📝

Answer Smart Questions

Tell us your goals, timeline and risk comfort — a few quick questions, no jargon.

02
🤖

AI Analyses Your Profile

Our engine studies your profile against 37,000+ funds and live market data.

03
🧭

Get Your Financial Plan

Receive a personalised asset allocation and SIP plan, tailored to your goals.

04
🚀

Invest with Confidence

Act on a clear, data-backed verdict and track your progress over time.

Your Active Toolkit

OUR TOOLS UNDER ONE ROOF

One login, one platform for your entire investing journey — research funds and stocks, value companies, plan your goals and learn to analyse like a pro. Click any tab below to watch a real, live preview. Everything here works right now, powered by daily AMFI data.

0Live tools · one login
0+Funds tracked daily
0Categories ranked
₹0Commission bias
InvestVerdict·Compare FundsOpen tool
Compare FundsSide-by-side · 3Y / 5Y CAGR · cost · risk-adjusted
3 funds compared
Parag P.Axis BCQuant A.
3Y CAGR18.4%14.1%16.7%
5Y CAGR22.1%15.9%20.3%
Expense ratio0.77%1.62%0.58%
Sharpe ratio1.320.981.21
Top FundsLarge/Mid/Small & Flexi · ranked by 3Y CAGR
42 categories
1Quant Small CapSmall Cap28.4%
2Nippon Small CapSmall Cap26.1%
3Motilal MidcapMid Cap24.7%
4HDFC Flexi CapFlexi Cap22.3%
5Parag Parikh FlexiFlexi Cap21.8%
Parag Parikh Flexi CapDirect · Growth · NIFTY 500 TRI benchmark
★★★★ · Rank #25
1Y
+24.1%
3Y
+18.4%
5Y
+22.1%
Risk
Mod.
Portfolio OverlapShared stock weight between two funds
25 holdings each
Fund A
Fund B
34%OVERLAP
Common top holdings
SIP Calculator₹10,000 / month · 10 years · 12% assumed
Compounding
Invested
₹12.0L
Future value
₹23.2L
Wealth gain
+₹11.2L
Goal PlannerTrack every milestone & required SIP
On track ✓
🏠 Home Purchase₹50L · 2028
🎓 Child's Education₹25L · 2031
🌴 Retirement₹2Cr · 2045
DCF ValuationFair value from discounted free cash flows
WACC 11% · TG 3%
Enterprise value₹1,850 Cr
Fair value / share₹1,842
Current market price₹1,520
Margin of safety21.2%
Bear
₹1,480
Base
₹1,842
Bull
₹2,210
Tax & Money CalculatorsOld vs New regime · ₹18L CTC · FY 2026‑27
New saves ₹31,200
OldNew
Taxable income₹15.0L₹17.3L
Total tax₹2.10L₹1.79L
In‑hand / month₹1.27L₹1.30L
✓ Recommended regimeNew regime
Research AnalystBuild a real equity report, graded card‑by‑card
ITC · Advanced tier
✓ Beginner — 12 cards100%
◆ Moderate — 16 cardsgraded live
◇ Advanced — DCF · DuPont · SOTP40 pro cards
🎓 Analyst scoreA‑ · server‑graded
COMING SOON 📈 Stock Verdict🧾 Tax Harvesting🩻 Portfolio X-Ray
The full arsenal
EVERY TOOL, ONE SEARCH AWAY
InvestVerdict.OS · command centre

YOUR MASTER DASHBOARD

Every tool, every report, every step of your learning — live in one place. Launch anything, and the OS keeps your activity trail.

IV

Try everything free for 5 days

One-time trial: every tool below — all 22, including the Valuation Studio and the Research Analyst learning platform — unlocks instantly for 5 full days. No card required. After 5 days it locks again automatically.

See Pro plans
Tools unlocked
of 22 in the suite
Tool launches
0
tracked on this device
Cloud library
companies saved in Valuation Studio
Plan validity
Recent activity
  • No activity yet — launch any tool above and it appears here.
Your journey
Suite explored0%
Valuation Studio — companies analysed0
Research Analyst — learningOpen to sync

Learning progress syncs inside the Research Analyst platform; your graded template completion lives there, per company and difficulty tier.

Why we're different

NOT ANOTHER FINFLUENCER PLATFORM

Every other tool in India either sells you a fund (commission bias) or sells you an opinion (financial-influencer bias). InvestVerdict does neither. Here's the six things that make us the honest choice.

🚫

Zero commission bias

We don't sell mutual funds. We don't earn a rupee on any product you invest in. So the "verdict" you see is the verdict our data gives — not the fund that pays us the most.

📄

Real filings, not opinions

Every calc, every valuation model runs on actual AMFI NAVs and SEBI/exchange filings. No YouTuber's "target price". No paid-for research. Just the source data, cleaned and computed.

🎓

You LEARN, not just consume

Other apps hand you a rating and say "trust us". We show you the DCF, the DDM, the ratios — and let you build them yourself. Learn-by-doing, not learn-by-reading.

🧰

22 tools, one login

Fund comparison, tax calc, loan-vs-invest, home construction, DCF, DDM, comps, IPO valuation, bank models, research learning platform — all one Pro plan. No add-ons, no unlocks.

⚖️

SEBI-safe education stance

We're not a SEBI-registered adviser and we say so — clearly. Everything on the platform is educational research you use with your own judgment. No "get rich" promises.

🔍

Show the working, always

Every number on the site is traceable to its source. Every valuation shows the formula, the inputs, the assumptions. If you disagree, change the inputs. Transparency by default.

Learning platform · Career-ready skills

BECOME YOUR OWN EQUITY ANALYST

InvestVerdict isn't just tools. It's a place where retail investors, finance students and CA/MBA aspirants build the same skills a Portfolio Manager uses every day — using real Indian filings, not textbook toy examples.

🎓 Research Analyst — Interactive Learning Platform

Learn valuation by building the report yourself.

Pick a real Indian company. Open its annual report. Reconstruct a full equity-research note field-by-field. Every number you enter is checked against the actual filing. Three difficulty tiers — Beginner to Advanced (40 pro cards including DCF, WACC, sensitivity grids, SOTP, DuPont, credit rating).

  • Real filings — ITC, Infosys & more
  • Server-graded — answers never leak
  • Beginner → Advanced tiers
  • DCF, DDM, ratios, WACC — all hands-on
  • Progress tracked per company
  • Skills a portfolio manager uses daily
Open the Learning Platform
Sign in with your InvestVerdict Pro account — no separate signup needed.
SAMPLE · ITC LIMITED · ADVANCED TIER
DCF — Fair Value
Discounted Cash Flow · fill each field yourself
Revenue FY24₹ 78,290 Cr
EBITDA margin37.5%
FCF FY24₹ 21,140 Cr
WACC11.2%
Terminal growth3.5%
Enterprise value₹ 6.4 L Cr
✓ Every field verified against ITC's FY24 filing
Pro Toolkit · Fifteen tools inside Pro

DECIDE THE BIG MONEY MOVES

Beyond mutual funds — five personal-finance calculators for your own money decisions, ten pro-grade valuation models for the companies you invest in. Every card below is a live tool that unlocks with your Pro plan.

◆ For your personal money moves · 5 calcs
PRO · NEW💰

NiveshCalc

EMI × SIP master engine. Compare a loan against an equivalent SIP investment side-by-side.

Example run₹50L loan · 20 yrs · 8.5% p.a.→ EMI ≈ ₹43,400/mo · Interest ≈ ₹54L→ Same as SIP @ 12% ≈ ₹4.3 Cr(illustrative)
Try NiveshCalc →
PRO · NEW🧾

TaxCalc

CTC to in-hand breakdown + Old vs New regime battle with the exact crossover point.

Example run₹18L CTC · Metro · FY 2026-27→ In-hand ≈ ₹1.30L / month→ See the exact Old vs New crossover for your slab
Try TaxCalc →
PRO · NEW🏠

RentVsBuy

Break-even year for buying a home vs renting + investing the difference in SIP.

Example run₹1.2 Cr flat vs ₹35k/mo rent→ Break-even ≈ year 8-9→ Moving in under 7 yrs? Rent + SIP typically wins
Try RentVsBuy →
PRO · NEW🚗

CarCalc

True cost of a car — EMI, insurance, fuel and depreciation over your ownership window.

Example run₹12L car · 5-yr ownership · petrol→ True cost ≈ ₹18L (EMI + fuel + ins + depr)→ Per-km cost lands ≈ ₹18
Try CarCalc →
PRO · NEW🏗️

GharCalc

Home construction estimator — materials, labour, fitouts and realistic timeline.

Example run1,500 sq ft · 3BHK · standard finish→ Total ≈ ₹28L · timeline ≈ 8 months→ Materials 55% · labour 30% · fitouts 15%
Try GharCalc →
◆ For company & stock valuation · 10 pro-grade models
PRO · NEW🎯

Valuation Hub

Pick the right model for the company you're studying — matched to sector & stage.

When to use whatDividend payer? → DDMCash-flow visible? → DCFPeer-heavy sector? → Comps
Open Valuation Hub →
PRO · NEW💵

DCF Valuation

Discount future free cash flows to today's fair value, with WACC + terminal-growth sensitivity.

Example runFCF ₹100 Cr · grow 12% · WACC 11% · TG 3%→ EV ≈ ₹1,850 Cr · fair value per share→ Sensitivity grid across WACC & TG
Try DCF →
PRO · NEW💠

Dividend Discount Model

Gordon Growth + multi-stage DDM for dividend-paying stocks (banks, FMCG, utilities).

Example runDiv ₹22 · g 6% · ke 11%→ Fair value ≈ ₹466/share→ Compare with market for margin of safety
Try DDM →
PRO · NEW⚖️

Comps Analysis

Relative valuation — P/E, EV/EBITDA, P/B, EV/Sales across a peer set with median target.

Example runPeers median P/E 24× · target EPS ₹68→ Implied price ≈ ₹1,632→ Range across bear / base / bull peer sets
Try Comps →
PRO · NEW📐

Ratio Analysis

60+ profitability, leverage, liquidity and efficiency ratios in one screen, colour-coded.

You'll see, at a glanceROE · ROCE · Interest cover · D/EWorking-capital days · Asset turnover · CCCEvery ratio flagged good / watch / bad
Try Ratios →
PRO · NEW🔮

Forecast

5-year revenue & earnings projection with base / bull / bear scenarios and driver assumptions.

Example run₹500 Cr rev · CAGR 15% · margin exp. 2%→ FY31E revenue ≈ ₹1,005 Cr→ EBITDA + PAT track alongside
Try Forecast →
PRO · NEW📑

3-Statement Model

Fully linked P&L → Balance Sheet → Cash-Flow, five-year projection, changes propagate.

What you getP&L, BS, CF all connectedBS balances every year (self-check)Change one input → all three update live
Try 3-Statement →
PRO · NEW🩻

Common-Size Analysis

Every P&L line as a % of revenue, every Balance Sheet line as a % of total assets.

Why it mattersSpot margin trends a raw P&L hidesCompare small & large companies fairlyRising receivables % → collection risk
Try Common-Size →
PRO · NEW🚀

IPO Valuation

Price-band check vs. RHP financials + peer comps + a sanity view on listing gains.

Example runBand ₹850-900 · RHP EPS ₹28 · Peers P/E 34×→ Peer-implied ≈ ₹952 · band looks fair→ Sub / avoid signal per your margin
Try IPO →
PRO · NEW🏦

Bank Model

NIM, CASA, GNPA, credit-cost, provisions — the ratios that decide bank quality + ROE tree.

You'll see, for any bankNIM · CASA · GNPA · Cost-to-incomeCredit cost · PCR · CAR · ROE / ROADuPont-style decomposition of ROE
Try Bank Model →

Example numbers are illustrative — your actual results depend on your inputs and current market conditions.

Features

BUILT FOR EVERY INVESTING DECISION

From reading a company's financials to allocating your portfolio and tracking every goal — the research, valuation and planning tools that turn raw data into a clear verdict.

⚖️

Data-Driven Asset Allocation

Across funds, stocks, debt, gold and alternatives — a personalised mix calibrated to your risk profile, research and goal timeline.

Equity
65%
Debt
20%
Gold
10%
Alt / REITs
5%
🏆

The Verdict Score

One 0–100 score for any fund, stock or portfolio — blending returns, cost, risk and valuation into a single clear call.

0
/ 100
🔍

Screener & Research Engine

Screen 37,000+ funds and stocks by category, valuation, cost and returns — then run the numbers with 10 pro valuation models.

Category
Equity Funds ✓ Stocks Valuation ELSS
5Y Returns ≥
≥12%
Expense Ratio ≤
≤1.5%
Matching funds47
🗺️

Goal Roadmap

Visualise your path to every goal — retirement, home, education — with milestones and SIP targets.

🏠 Home Purchase₹50L — 2028
🎓 Child's Education₹25L — 2031
🌴 Retirement₹2 Cr — 2045
📑

Branded Research Reports

Export a clean, formatted research report or financial plan as a PDF — share it with clients or family, or review it offline anytime.

Unlock branded reports with Pro →
Why InvestVerdict

RESEARCH YOU CAN ACTUALLY TRUST

No products to sell. No referral fees. Just the same institutional methodology the professionals use — made transparent for every Indian investor.

🎯

Data-First Philosophy

Every recommendation is backed by math you can inspect — never a hunch or a hidden incentive.

🚫

No Commission Bias

We never sell funds or earn referral fees. Our only job is to give you the clearest possible verdict.

🏛️

Institutional Methodology

The same calculations used by leading research houses — rolling returns, risk-adjusted ratios and more.

🔄

Daily AMFI Updates

Real-time NAV data sourced directly from official AMFI feeds, refreshed every single day.

🛡️

SEBI Compliant

An educational research platform with clear disclaimers — we inform decisions, we don't advise on them.

🇮🇳

Built for India

Indian fund categories, tax laws and advisor workflows — designed from the ground up for our market.

Testimonials

TRUSTED BY SMART INVESTORS

★★★★★

"Finally a platform that gives me clarity without trying to sell me anything. My portfolio score went from 61 to 84 in 3 months."

Ankit Sharma
Software Engineer, Bengaluru
★★★★★

"The fund filter is incredible. I found 3 funds that perfectly match my 10-year home loan prepayment goal."

Priya Mehta
Chartered Accountant, Mumbai
★★★★★

"As a first-time investor, the questionnaire made me feel heard. The plan is simple enough to actually follow."

Rahul Gupta
MBA Student, Pune
★★★★★

"No upselling, no bias — just data. InvestVerdict is what every Indian investor needed but never had."

Sneha Reddy
Doctor, Hyderabad
★★★★★

"I ran the questionnaire for my father. He finally understood his risk profile and stopped chasing tips on WhatsApp."

Vijay Nair
Business Owner, Chennai
★★★★★

"The PDF plan is detailed enough for serious use. I shared it with my advisor and he was impressed."

Meera Joshi
Marketing Manager, Delhi
★★★★★

"Finally a platform that gives me clarity without trying to sell me anything. My portfolio score went from 61 to 84 in 3 months."

Ankit Sharma
Software Engineer, Bengaluru
★★★★★

"The fund filter is incredible. I found 3 funds that perfectly match my 10-year home loan prepayment goal."

Priya Mehta
Chartered Accountant, Mumbai
★★★★★

"As a first-time investor, the questionnaire made me feel heard. The plan is simple enough to actually follow."

Rahul Gupta
MBA Student, Pune
Pricing

SIMPLE, TRANSPARENT PRICING

Start free, forever. Upgrade only when you need the deep stuff. No hidden fees — cancel anytime.

Free
₹0/forever
Everything you need to start making clearer decisions.
  • Compare up to 3 funds
  • View top 5 per category
  • Basic SIP calculator
  • Limited Goal Planner
  • 5 personal calculators (Tax, Loan…)
  • 10 valuation models (DCF, DDM…)
Start Free →
Advisor
2,000/month
For SEBI RIAs and financial planners serving clients.
  • Everything in Pro
  • Client database (CRM)
  • Reports with your logo
  • Portfolio templates
  • Up to 10 employees
  • Priority support
Talk to Sales →
FeatureFreeProAdvisor
Funds compared3UnlimitedUnlimited
Category rankingsTop 5All 42All 42
Branded PDF reports✓ + logo
Goal PlannerLimitedPremiumPremium
Personal calculators (Tax · Loan · Rent vs Buy · Car · Home)All 5All 5
Valuation models (DCF · DDM · Comps · Ratios · IPO · Bank · 3‑Stmt · Common‑Size · Forecast · Hub)All 10All 10
Client CRM
Team seats11Up to 10
SupportCommunityEmailPriority
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No advisory. No conflicts. Just clarity.