MutualFundsOverlap.com was founded with a single objective: to provide retail investors with institutional-grade portfolio analysis tools. Many investors assume that owning 5 to 10 different mutual funds automatically guarantees a highly diversified portfolio. In reality, due to regulatory guidelines and category mandates, many funds hold the exact same underlying stocks.
Why Portfolio Overlap Analysis Matters
In India, guidelines dictated by SEBI (the Securities and Exchange Board of India) require specific fund categories to allocate a minimum percentage of their assets into designated categories. For example, large-cap funds must invest at least 80% of their total assets in the top 100 stocks.
Because of these category restrictions, different fund managers end up choosing from the exact same limited basket of stocks. This creates a hidden concentration risk. If you hold three large-cap funds, they may share 50% to 70% of their underlying stocks. A single adverse event affecting a key shared stock can impact your entire portfolio unexpectedly.
How Our Calculator Works
Our platform fetches the latest monthly portfolio disclosure documents published directly by Indian Asset Management Companies (AMCs). We parse these documents to extract the individual stock names, ISIN identifiers, and weight distributions for each fund scheme.
When you select up to five funds and assign your portfolio allocations, our engine consolidates the individual holdings, runs a pairwise intersection analysis, and calculates your true exposure.
Our Core Values
- No Login Required: We believe financial tools should be accessible immediately. There is no sign-up or registration.
- Privacy First: Your portfolio information, selected schemes, and allocations are handled entirely in your browser. We never store or track your entries on our servers.
- Always Free: Our tools are completely free to use. We aim to help every regular investor make smarter, cost-efficient investment choices.