Portfolio Health Score Calculator
Your Portfolio Health Score is a single number from 0 to 100 that tells you how well-balanced your stock investments are. TheInvestIQ evaluates your portfolio across five key components: sector balance, market cap diversification, concentration risk, number of holdings, and overlap analysis. A higher score means a more diversified and resilient portfolio.
Most beginner investors in India score below 60. Common problems include holding too many stocks from the same sector, having no large cap exposure, or concentrating too much capital in a single stock. TheInvestIQ helps you understand these patterns with educational observations — no stock-specific buy/sell advice.
Sector and Market Cap Analysis
See exactly how your money is distributed across sectors like IT, Banking, Pharma, FMCG, Oil and Gas, Automobile, Construction, Metals, and more. TheInvestIQ also breaks down your portfolio by market capitalization categories as defined by SEBI: Large Cap (top 100 companies), Mid Cap (101-250), and Small Cap (251 and below).
A well-diversified portfolio typically has exposure across multiple sectors and a balanced mix of large, mid, and small cap stocks. Our analysis shows you where your portfolio stands across these dimensions.
Concentration Risk Detection
Concentration risk occurs when too much of your portfolio is allocated to a single stock or sector. This is one of the most common mistakes Indian retail investors make. TheInvestIQ flags high concentrations and helps you understand the risks of having too many eggs in one basket.
Learn Investing with Interactive Quizzes
TheInvestIQ includes interactive flashcard-style lessons with quizzes covering essential investing topics. Learn about diversification, market cap categories, sector analysis, risk management, and SEBI classifications. Each lesson is designed to be completed in under 5 minutes, making it perfect for beginners who want to build investing knowledge step by step.
The Learn section features 21 free lessons across three levels: 8 beginner lessons covering SEBI basics, broker and demat accounts, market cap categories, risk and return, SIP, IPO, mutual funds, and stock exchanges; 7 intermediate lessons on diversification, concentration risk, health score components, smart investing habits, dividends, index funds, and stock market taxation in India; and 6 advanced lessons on P/E ratio, ROE and ROCE, behavioral traps, balance sheet reading, tax planning and saving strategies, and sector analysis and rotation.
Investor Personality Quiz — Spirit Animals
Take a 20-question behavioral quiz drawn randomly from a pool of 50 questions. There are no right or wrong answers. Based on your responses, discover your investor spirit animal: the Owl (analytical and research-driven), the Turtle (patient and conservative), the Tiger (bold and aggressive), the Peacock (trend-aware and momentum-following), or the Meerkat (community-oriented and social). Each personality comes with tailored strengths, weaknesses, and investing tips.
Investing Readiness Quiz — Knowledge Assessment
Test your investing knowledge with 20 questions drawn randomly from a larger pool, organized into three groups: basics (terms and definitions), concepts (portfolio strategy and risk), and advanced (valuation metrics and taxation). Receive a 0-100 readiness score with level classification: Beginner (below 40), Intermediate (40-65), Advanced (65-85), or Expert (85-100). Each score level includes suggested lessons to fill knowledge gaps.
4,900+ NSE Stocks Supported
Search and add any stock listed on the National Stock Exchange of India. TheInvestIQ supports over 4,900 NSE-listed securities across all sectors and market cap categories. Whether you hold blue-chip large caps like Reliance, TCS, and HDFC Bank, or smaller companies, our tool can analyze your complete portfolio.
How TheInvestIQ Works
Step 1: Add your stocks. Search from 4,900+ NSE-listed companies and enter your quantity and average buy price. Step 2: Get your health score. Receive an instant 0-100 score with a detailed 5-component breakdown. Step 3: Understand and learn. See educational observations about your portfolio structure and learn about healthier allocation patterns.
The entire process takes less than 60 seconds. No login required. No credit card needed. Add up to 20 stocks for free with live NSE prices.
Built for Indian Investors
TheInvestIQ is designed specifically for the Indian stock market. We use SEBI-defined market cap classifications, NSE sector categorizations, and Indian market data. Whether you are a college student starting your investing journey or a working professional building long-term wealth, TheInvestIQ helps you understand your portfolio structure — for educational purposes only, not investment advice.
Try Free — Portfolio Analyzer Features
The Try Free tool lets you analyze up to 20 stocks with no login. Search from 4,900+ NSE-listed securities, enter your quantity and average buy price, and get live portfolio valuation using real-time NSE prices. Your analysis includes: an overall health score from 0 to 100, sector-wise allocation breakdown, market cap distribution analysis (large cap, mid cap, small cap per SEBI classification), concentration risk observations, individual stock weight analysis, total portfolio value and profit/loss calculation, and educational observations about your portfolio structure. All data is session-only and never stored.
Crash Test and Risk Simulation
See how your portfolio would perform during a market crash. TheInvestIQ simulates sector-specific drawdowns based on historical Indian market corrections and shows estimated portfolio impact. Understand your downside risk before it happens.
Lesson Directory — Complete Topic List
Beginner: SEBI and Market Regulation, Broker and Demat Accounts, Market Cap Categories (Large Mid Small Cap), Risk and Return Basics, SIP (Systematic Investment Plan) Basics, IPO Basics, Mutual Funds Basics, Stock Exchanges NSE and BSE. Intermediate: Diversification and Asset Allocation, Concentration Risk, Understanding Your Health Score, Smart Investing Habits, Dividends, Index Funds and ETFs, How Stock Market Gains Are Taxed in India. Advanced: P/E Ratio Analysis, ROE and ROCE Explained, Behavioral Investing Traps, Reading a Balance Sheet, Tax Planning and Saving Strategies, Sector Analysis and Rotation.
About TheInvestIQ — Founder Story
TheInvestIQ was founded by Nikhil Patil to solve a problem he experienced first-hand as a new investor in India: there was no simple, free tool to check if your portfolio was well-diversified. Most platforms push you to trade more, not invest smarter. TheInvestIQ exists to help Indian investors build better portfolios through free tools, education, and transparency.
Frequently Asked Questions
- What is TheInvestIQ?
- TheInvestIQ is a free portfolio health tool for Indian investors. Add your stocks, get an instant health score from 0 to 100, and understand your portfolio structure at a glance. No login required.
- Is TheInvestIQ free to use?
- Yes, completely free. Check your portfolio health score, learn investing through interactive quizzes, and get diversification analysis at no cost. No credit card or login needed.
- How does the Portfolio Health Score work?
- The score evaluates your investments across five factors: sector balance, market cap diversification including large mid and small cap mix, concentration risk, number of holdings, and overlap analysis. A higher score means a more balanced portfolio.
- Do I need to create an account?
- No. You can try TheInvestIQ instantly without any login or signup. Add up to 20 stocks and see your health score right away. Full accounts with unlimited stocks are launching in May 2026.
- What stocks does TheInvestIQ support?
- TheInvestIQ supports over 4,900 stocks listed on the National Stock Exchange of India, covering all sectors and market cap categories from large cap blue chips to small cap growth companies.
- Is my portfolio data safe?
- Yes. In try mode, your portfolio data is session-only and never stored permanently or sent to our servers. We do not share, sell, or monetize your financial information. Refresh the page and your data is gone.
- What is SEBI market cap classification?
- SEBI, the Securities and Exchange Board of India, classifies listed companies by market capitalization. The top 100 companies by market cap are Large Cap, companies ranked 101 to 250 are Mid Cap, and companies ranked 251 and below are Small Cap. TheInvestIQ uses these official SEBI classifications to evaluate your portfolio diversification.
- Who is TheInvestIQ built for?
- TheInvestIQ is designed for all Indian investors who want to understand their portfolio health. Whether you are a college student buying your first stocks, a working professional building long-term wealth, or an active trader managing multiple positions, the health score gives you clear insights into diversification, concentration risk, and sector balance. No financial expertise required.
Who Is TheInvestIQ For
College students starting their investing journey can check if their initial portfolio is diversified before investing more savings. Working professionals who have accumulated stocks over the years can discover hidden concentration risks or sector imbalances. Active traders buying and selling frequently can use the health score to ensure their overall portfolio stays balanced even as individual positions change.
Why Portfolio Health Matters
Most Indian retail investors focus on individual stock picks without considering their overall portfolio structure. A portfolio concentrated in a single sector or market cap category carries significantly higher risk than a diversified one. When PSU banks rallied in 2023 and then corrected, investors with 70 to 80 percent of their portfolio in banking stocks saw significant losses even while the broader market continued rising. TheInvestIQ helps you see these structural patterns and understand how concentration affects risk.
A healthy portfolio typically has exposure across at least 4 to 5 different sectors, a balanced mix of large cap stability and mid or small cap growth potential, and no single stock representing more than 20 to 25 percent of the total value. The health score quantifies all of these factors into one easy to understand number.