🔍 Portfolio X-Ray

Mutual Fund Overlap Simulator

Are you paying two different AMCs to buy the exact same stocks? Select two fund categories to reveal your true portfolio diversification.

Large Cap Top 100
Mid Cap 101-250
Small Cap 251+
Flexi Cap All Range
Nifty 50 Index Passive
Large Cap Top 100
Mid Cap 101-250
Small Cap 251+
Flexi Cap All Range
Nifty 50 Index Passive
0% Estimated Portfolio Overlap
Fund A Stocks
Fund B Stocks
Common Overlapping Stocks (Examples)
💡 Strategy Insight

Details

The "Double Expense Ratio" Trap: If your portfolio has a 70% overlap, it means 70% of your money is invested in the exact same companies across two different funds. You are paying the AMC "Expense Ratio" twice for doing the exact same job! True diversification means picking funds with less than 20% overlap (e.g., 1 Index Fund + 1 Mid Cap Fund).

Mutual Fund Overlap Checker India: Ensure True Diversification (2026)

💡 Bhai Ki Advice (The Illusion of Diversification): Aksar hum sochte hain ki 5 alag-alag mutual funds le lenge toh risk kam ho jayega. Par agar aapke SBI Bluechip aur HDFC Top 100 dono funds ka 50% paisa Reliance, HDFC Bank, aur TCS mein hi lag raha hai, toh aap risk kam nahi kar rahe—aap bas alag-alag AMCs ko faaltu ki management fee de rahe ho! Check karo, agar 2 funds ke beech 30% se zyada overlap hai, toh ek fund ko portfolio se nikalna hi behtar hai.

True wealth creation in the stock market requires genuine diversification. Many Indian investors unknowingly buy multiple mutual funds from different AMCs, only to realize that these funds hold the exact same underlying stocks. Our Mutual Fund Overlap Checker helps you compare two or more mutual fund portfolios side-by-side. By instantly analyzing the common stocks between the schemes, this tool reveals your actual risk exposure and helps you build a leaner, more efficient investment portfolio.

How to Use the MF Overlap Calculator

Optimize your mutual fund portfolio by following these simple steps:

  1. Select Fund A and Fund B: Enter the names of the mutual funds you want to compare.
    Pro Tip: Ek hi category (e.g., dono Large Cap) ke funds compare karke dekho, mostly aapko 40-50% overlap milega!
  2. Analyze the Overlap Percentage: The tool will display the exact percentage of portfolio overlap. An overlap of 0% to 20% is excellent, meaning the funds complement each other. Anything above 30-40% means you are duplicating your investments.
  3. Review Common Stocks: Check the detailed breakdown of the exact stocks (like ITC, Infosys, ICICI Bank) that both funds hold and their respective weightages.
  4. Take Action: If the overlap is too high, consider consolidating your investments into the fund with the lower expense ratio or better historical risk-adjusted returns.

Frequently Asked Questions (MF Overlap in India)

1. What is an acceptable overlap percentage between two funds?
Generally, an overlap of under 30% is considered acceptable and healthy. Desi Fact: Agar overlap 50% ya usse zyada hai, toh iska matlab aap ek hi sabzi ko do alag dukaano se mehenge daam par kharid rahe ho. Aise mein ek fund ko band kar dena chahiye.
2. Why do Large Cap funds have so much overlap?
Large Cap funds are mandated by SEBI to invest at least 80% of their total assets in the top 100 companies of India. Since the pool of stocks is limited and fund managers generally favor the same blue-chip market leaders (like Reliance, HDFC, L&T), high overlap is almost unavoidable in this category.
3. Does having more Mutual Funds mean less risk?
No, this is a common myth. Adding more funds only reduces risk if they invest in different segments (e.g., one Large Cap, one Mid Cap, one International fund). Bhai Ki Advice: 10 funds rakhne se portfolio “diwalia” nahi hota, par “di-worsify” zaroor ho jata hai. 3 se 4 well-chosen funds ek aam investor ke liye kaafi hain.
4. Should I compare Flexi Cap funds with Large Cap funds?
Yes, absolutely. Many Flexi Cap funds in India actually run like Large Cap funds, with 60-70% of their money in the top 100 stocks. Using our overlap checker will reveal if your Flexi Cap fund is just a disguised Large Cap fund duplicating your existing investments.
5. How often should I check portfolio overlap?
You should check it once a year or whenever you are planning to start a new SIP in a different mutual fund. Fund managers rebalance their portfolios regularly, so the overlap percentage changes over time depending on market conditions.

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