Family Portfolio Management: Tracking Mutual Funds Across Multiple PANs

For most Indian families, mutual fund investments aren’t held under a single PAN. A spouse might invest separately, parents may have their own folios, HUF accounts operate independently, and children’s portfolios are usually mapped to a guardian’s PAN. While this is perfectly normal from a regulatory standpoint, it creates a major practical problem: there’s no easy way to view all family portfolios in one consolidated place.

If you’ve ever wished you could track your entire family’s mutual fund holdings under one dashboard, you’re not alone. As seen on multiple personal finance forums and community threads, investors frequently ask for this exact feature. Many existing platforms, including popular analytics tools, do not allow tracking or managing mutual fund folios across multiple PANs in a single login. Users are then forced to juggle multiple accounts, hop between apps, or manually tally numbers in spreadsheets.

This problem becomes even more pressing when families explore credit solutions like loans against mutual funds (LAMF). The credit limit depends on the value of the mutual fund units, but since each PAN must be viewed separately, individuals often struggle to understand their real liquidity options. For example, if your portfolio is worth ₹10 lakh and your spouse’s is worth ₹20 lakh, there’s currently no easy way to inspect both limits in one place, or understand how much liquidity the family collectively has.

Introducing Multi-PAN Mutual Fund Tracking on Quicklend

Quicklend now allows you to track, analyse, and manage portfolios linked to multiple PANs — all within a single Quicklend account using just one mobile number. This means you no longer have to switch logins or rely on external tools to consolidate information.

Each PAN gets its own profile within your account, and you can seamlessly toggle between them. Whether it’s your partner, parents, children, or HUF account, you can now bring every mutual fund portfolio under one clean, unified dashboard.

Why This Feature Is Important

1. One place for all your family’s mutual fund data

No more fragmented folios, scattered dashboards, or manual tracking. You get centralized visibility across all PANs that matter to your household.

2. Better credit planning

Since Quicklend offers instant credit limits against mutual fund portfolios, you can now quickly compare the limit for each family member without logging in multiple times. You can also spot who holds the strongest portfolio, helping you make borrowing decisions more efficiently.

3. Cleaner financial consolidation

From tracking SIP performance to understanding asset allocation, having all PANs in one view gives you a bird’s-eye picture of your family’s overall financial health.

4. Transparency and convenience

Instead of relying on several apps, which may have syncing issues or accuracy problems, Quicklend provides a single source of truth with verified data pulled via consented access.

A Quick Note on Borrowing Across PANs

A common question users ask is: “Can I combine units across multiple PANs to take a single loan?”

The answer is no. 

Credit can only be taken against units held under one PAN at a time. So if your portfolio is worth ₹10 lakh and your spouse’s is worth ₹20 lakh, you cannot merge them to take a single ₹15 lakh loan. You would need to take two separate loans, one against each PAN’s portfolio value.

Multiple PAN Tracking Feature on Quicklend

Adding multiple PANs is designed to be as simple as possible:

1. Log in to your Quicklend account.
2. Click on the Profile icon on the top right corner of your dashboard.
3. Select “Create New Profile.”
4. Enter your family member’s PAN details.
5. Complete OTP-based verification to confirm consent.

That’s it. Their mutual fund portfolio will sync automatically, and you can switch between profiles anytime.

The Future of Family Portfolio Management Starts Here

As Indian households become increasingly digital and financially aware, tools that consolidate family assets will become essential. Quicklend’s Multi-PAN Portfolio Tracking is built to solve a long-standing gap: giving families a clear, accurate, and actionable view of their investments, while also enabling smarter credit decisions.