Ledgerline

Choose funds that fit you.

Free tools and plain-language guides to help you understand mutual funds and pick what suits your own goals, plus my real basket and journey, shown in the open. Data and education, never tips.

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Fund explorer

Look up any Indian mutual fund. Compare up to three on returns, worst falls and what a monthly SIP would have grown to, using real AMFI data.

My portfolio

A real basket, in public

Since September 2024

+59.98%

Portfolio+59.98%
Nifty 50−10.83%

My account's chart as Starfolio reports it, before tax. See the holdings, every rebalance, and the catch.

Learn the basics, in plain words

All guides
  1. Start here

    Your own stock rules, or a mutual-fund-only folio?

    Running your own rules-based stock basket versus simply holding mutual funds: taxes on rebalancing, DP and transaction charges, effort, and how to pick what fits your journey.

    7 min read

  2. Choosing a fund category for your goal

    How to match mutual fund categories (liquid, debt, hybrid, large cap, flexi cap, mid and small cap, index, ELSS) to your goal and time horizon.

    6 min read

  3. Direct vs regular plans: the same fund at a different price

    Every mutual fund comes in a direct and a regular plan. Same portfolio, different expense ratio. Here's what the difference costs over time.

    4 min read

  4. SIP or lump sum?

    How a monthly SIP and a one-time lump sum differ, what rupee-cost averaging really does, and how to decide.

    4 min read

  5. How to read a fund's past returns

    Absolute vs annualised returns, trailing returns, worst falls and consistency: what past numbers can and can't tell you about a mutual fund.

    5 min read

Why Ledgerline exists

I started in 2019 by moving ₹100 into a trading account as margin. A few trades went my way, but brokerage and charges ate the profits, and doubling down on margin taught me that trading only works if you do it full-time. Investing was always the idea, and it has gone well for me. Ledgerline shares what I've learned along the way, the tools I wish I'd had, and my own portfolio with its real numbers. I'm not a SEBI-registered adviser or research analyst, so nothing here tells you what to buy. It helps you decide for yourself.

Read my journey