mutual-fund-analysislisted

# Mutual Fund Analysis Read-only, SIPs included — never start, stop, pause, or modify one. `reference/READ-ONLY-POLICY.md` (hard rule) and `reference/RESEARCH-STANDARDS.md` (peer framework, tool availability, disclosure) apply. Works over whichever broker(s) `BROKERS.md` names active; resolve each capability below against `reference/BROKER-CAPABILITIES.md`. Groww's MCP returns no mutual fund data — `get_mutualfund_details` is dead and `fetch_etf_screener` errors. If INDmoney is active, it's the one broker here with real fund data (details, category screens, SIP status — `get_mf_funds_details`, `get_mf_by_category`, `mf_sips`; still **unverified**, check the capability map's status table before trusting it live). Otherwise every fund figure here is web-sourced or user-supplied; say which is which, and never present an external number as a live broker one. ## Steps 1. **Establish the fund(s).** The named fund comes from the user. The *held* set — for overlap and fit — comes from `PORTFOLIO-PLAN.md` (holdings, **SIP register**), or from INDmoney's holdings/SIP capability if active; if neither, ask for the list and offer `portfolio-plan-builder`, never assume one. Direct equity still comes live from the equity holdings capability, and exchange-traded funds have live prices via ETF symbol search + one batched LTP call. 2. **Classify** — category (large-cap/flexi-cap/debt/hybrid/index/sector) and benchmark; everything below is relative to that. 3. **Peer