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Mutual Fund Overlap

Last updated: 2026-05-04
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Mutual Fund Overlap Checker

Check Portfolio Diversification & Overlapping Holdings

Free Tool
lightbulb Smart Tip: Use this mutual fund overlap checker to see if your funds invest in the same stocks. High portfolio overlap means you're not truly diversified. Results will update automatically on the right.
warning Note: This is a simplified overlap checker based on fund categories. For accurate stock-level overlap analysis, use tools like Morningstar, Value Research, or Tickertape.

assignment Mutual Fund Overlap Checker: Select Funds

Select two mutual fund schemes below to check their portfolio overlap. Our MF overlap tool helps you identify common stock holdings and optimize your investments for 2026.

account_balance Select Your Mutual Funds

bar_chart Overlap Analysis Results

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Select two mutual funds to check their overlap

assignment Overlap Interpretation Guide

Overlap %StatusRecommendation
0-20%check_circle Low OverlapGood diversification. Both funds can be held together.
20-40%warning Moderate OverlapAcceptable. Monitor and ensure different investment styles.
40-60%warning High OverlapConsider replacing one fund. Similar exposure.
60%+cancel Very High OverlapRedundant holdings. Keep only one fund.

info Why Mutual Fund Overlap Analysis is Important

Many investors hold multiple mutual funds thinking they're diversified, but often these funds invest in the same stocks. This leads to concentration risk and paying multiple expense ratios for similar exposure.

Common Overlap Scenarios

  • Large Cap Funds: Most large cap funds hold the same top 20-30 stocks (HDFC Bank, Reliance, Infosys, etc.)
  • Index + Active: Active large cap funds often mirror the Nifty 50 index
  • Same AMC Funds: Funds from the same AMC may have similar stock picks
  • Flexi Cap + Large Cap: Flexi cap funds often have 60-70% in large caps

How to Build a Diversified Portfolio

  • Combine funds from different categories (Large, Mid, Small, International)
  • Mix active and passive strategies
  • Check overlap before adding a new fund
  • Limit to 4-6 equity funds maximum

Why Mutual Fund Overlap Analysis is Important

Many investors hold multiple mutual funds thinking they're diversified, but often these funds invest in the same stocks. This leads to concentration risk and paying multiple expense ratios for similar exposure.

Common Overlap Scenarios

  • Large Cap Funds: Most large cap funds hold the same top 20-30 stocks (HDFC Bank, Reliance, Infosys, etc.)
  • Index + Active: Active large cap funds often mirror the Nifty 50 index
  • Same AMC Funds: Funds from the same AMC may have similar stock picks
  • Flexi Cap + Large Cap: Flexi cap funds often have 60-70% in large caps

How to Build a Diversified Portfolio

  • Combine funds from different categories (Large, Mid, Small, International)
  • Mix active and passive strategies
  • Check overlap before adding a new fund
  • Limit to 4-6 equity funds maximum

Frequently Asked Questions

Find answers to common questions about mutual fund overlap. Click on any question to expand the answer.

Mutual fund overlap occurs when you invest in multiple funds that hold the same stocks in their portfolios. A high overlap can lead to over-concentration in certain stocks and reduce the benefits of diversification.

Checking for overlap helps you ensure your portfolio is truly diversified. It prevents you from unknowingly concentrating your risk in a few stocks and helps you build a more balanced and resilient portfolio.

This tool is a demonstrative placeholder. A full version would require you to select two or more mutual fund schemes. It would then analyze their latest portfolios and identify the common stocks, showing you the percentage of overlap.

There is no magic number, but generally, an overlap of less than 20-30% is considered healthy for funds within the same category. The goal is to have funds that complement each other rather than duplicate holdings.

If you find a high overlap, you might consider re-evaluating your fund selection. You could replace one of the overlapping funds with a fund that has a different investment style or market-cap focus to improve your portfolio's diversification.

gavel Legal Disclaimer

This calculator is for informational and educational purposes only. Investment returns are illustrative and based on assumed rates that may vary. Market-linked investments carry risk and past performance does not guarantee future returns. Interest rates on small savings schemes are reviewed quarterly by the Government of India. This tool should not be considered as financial advice. Consult a SEBI-registered financial advisor before making investment decisions.

verified Source: SEBI / Ministry of Finance, Govt. of India • Last updated: 2026-05-04

update Latest Updates & Regulatory Changes

UPDATED

trending_up Small Savings Rates Q1 2026-27

The Government of India reviews small savings scheme interest rates quarterly. PPF rate is 7.1%, Senior Citizens Savings Scheme is 8.2%, and Sukanya Samriddhi is 8.2% for Q1 FY 2026-27.

NEW

account_balance NPS Tier-I Tax Benefit Enhanced

Under the New Tax Regime, NPS employer contribution deduction under Section 80CCD(2) continues to be available. Under the Old Regime, additional ₹50,000 deduction under 80CCD(1B) is also available.

description Terms, Rules & Regulations

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SEBI & RBI Regulations

Mutual fund investments are regulated by SEBI, and small savings schemes by the Ministry of Finance through RBI. Interest rates on government schemes are reviewed quarterly. Returns on market-linked instruments are not guaranteed and subject to market risks.

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Rate Assumptions

Investment calculators use assumed rates of return for illustration purposes. Actual returns on market-linked investments (mutual funds, equities) will vary. Small savings scheme rates are as per the latest quarterly notification by the Government of India.

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Tax on Investment Returns

Capital gains tax, dividend taxation, and interest income taxation rules apply as per the Income Tax Act, 2025. LTCG, STCG, and debt fund taxation rules have been updated. Consult a tax professional for personalized guidance on investment tax implications.

`;printWindow.document.write(html); printWindow.document.close(); setTimeout(() => { printWindow.print(); }, 250); }function mfExportPDF() { mfPrintResults(); }function mfExportExcel() { const data = mfLastCalculation; if (!data.fund1Name) { alert('Please select two funds first'); return; }const csvContent = `Mutual Fund Overlap Analysis Report Generated On,${new Date().toLocaleDateString('en-IN')}Selected Funds Fund 1,${data.fund1Name} Category 1,${data.category1} Fund 2,${data.fund2Name} Category 2,${data.category2}Overlap Summary Fund 1 Total Stocks,${data.stocks1.length} Fund 2 Total Stocks,${data.stocks2.length} Common Stocks,${data.commonStocks.length} Unique to Fund 1,${data.uniqueStocks1.length} Unique to Fund 2,${data.uniqueStocks2.length} Overlap Percentage,${data.overlapPercent.toFixed(1)}%Common Stocks ${data.commonStocks.length > 0 ? data.commonStocks.map((s, i) => (i + 1) + ',' + s).join('\n') : 'None'}Fund 1 Unique Stocks ${data.uniqueStocks1.map((s, i) => (i + 1) + ',' + s).join('\n')}Fund 2 Unique Stocks ${data.uniqueStocks2.map((s, i) => (i + 1) + ',' + s).join('\n')}Disclaimer This is for informational purposes only. Always verify from official sources. `;const blob = new Blob([csvContent], { type: 'text/csv' }); const url = URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = 'mf-overlap-report-' + data.fund1Name.replace(/\s+/g, '-').toLowerCase() + '-vs-' + data.fund2Name.replace(/\s+/g, '-').toLowerCase() + '.csv'; a.click(); URL.revokeObjectURL(url); }
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