Is MF Analyser free, and what do the paid plans actually cost?

What costs nothing

A lot, and deliberately — the research side of the site is the part that should not be behind a wall:

• Every Indian mutual fund scheme, on live AMFI NAV
• Returns over every window, NAV history and the core risk numbers
• Comparison of up to three schemes side by side
• The SIP, lumpsum, SWP, XIRR and retirement calculators
• Every category and fund-house page, and Fund Ranking
• These Learn pages
• Reading your CAS — the statement is parsed and your holdings shown without paying anything

The plans

The 39 is a real count, not a round number: the comparison table defines exactly 39 columns, and you toggle whichever you want.

One thing not to over-promise. Four Advisor features — branded PDF reports, access for your employees, branded recommendations and storage for up to 500 clients — are still being rolled out on this site. They run in the adviser workspace today. If you need them now, ask and they are set up directly.

Portfolio analysis is bought per report, not per month

It is priced separately because it is the expensive part to run, and because most people want it once rather than monthly:

Moving up a level later costs the difference plus ₹5, never the full price again. A saved report can be re-run as often as you like at no further charge and cannot be deleted.

How billing works

You choose how many months you want and pay for them once. Nothing renews automatically. No card is stored on this site — payments go through the gateway, and MF Analyser never sees your card details. The amount shown is the amount charged; nothing is added at the end.

Because nothing auto-renews, "cancelling" mostly means not buying more months. You can also cancel from your account or by email, and the period you have already paid for stays intact. The refund terms are published, including a full refund if you cancel within 7 days without using a paid feature.

Where the money comes from, and where it does not

MF Analyser earns from subscriptions and per-report purchases. It does not earn commission from AMCs or distributors, and you cannot buy a fund here. That is a pricing fact with an editorial consequence: because no fund pays to be on the site, there is no "recommended funds" list and no incentive to produce one.

It also means the free tier is genuinely free rather than a funnel into a commission — the thing being sold is the depth, not the fund.

Is it worth paying for?

An honest framing instead of a sales pitch. Free is enough if you are checking a fund or two and want returns, risk numbers and a comparison. Paying is worth it when you need the things free cannot do: six schemes at once with all 39 metrics, screening the whole universe on your own filters, and looking through funds to the holdings, overlap and monthly portfolio changes.

Advisor is for somebody running the same analysis repeatedly to their own rules — the value is the reuse, not extra data.

And if what you actually want is to be told which fund to buy, no plan here does that. MF Analyser is not a SEBI-registered Investment Adviser or Research Analyst. Paying more does not unlock a recommendation, because there isn't one.