Smart Mutual Fund Overlap Calculator

The Mutual Fund Overlap Calculator helps investors identify portfolio overlaps between different mutual funds. By comparing fund holdings, it shows the percentage of duplication in stocks across funds, allowing investors to optimize diversification, minimize risks, and avoid unnecessary redundancy. This tool is designed for long-term investors, financial planners, and anyone looking to build a balanced portfolio with minimal concentration risk.

Mutual Fund Overlap Calculator

Tip: Case-insensitive. You can also add weights like HDFC Bank:8% (optional).
Weights accepted here too, e.g. TCS:10%. If no weights given, all holdings are treated equally.

Why Overlap Matters

  • Too much overlap reduces diversification benefits.
  • Helps avoid unintended concentration in a few stocks.
  • Useful when combining funds from similar categories.

Tips

  • Combine distinct styles (e.g., Large Cap + Mid Cap) to lower overlap.
  • Review overlaps annually or after major portfolio changes.
  • Prefer total portfolio view over pairwise overlap alone.

Mutual Fund Overlap Calculator

Our Mutual Fund Overlap Calculator helps you identify the extent of overlap between two or more mutual funds in terms of their portfolio holdings. It shows you how much of your investments are concentrated in the same stocks across different funds.

How It Works

Enter the names of two or more mutual funds you hold. The calculator will analyze their stock holdings and display the percentage overlap between them, helping you assess diversification.

Who Should Use This Calculator?

Investors holding multiple equity mutual funds can use this tool to avoid duplication and improve diversification. It is especially useful when selecting new funds to add to an existing portfolio.

Disclaimer

This calculator provides indicative overlap percentages based on publicly available fund portfolios. Investors should consult financial advisors before making portfolio decisions.

Key Insights At A Glance

Advantages

Identify Overlap

Quickly find common stocks across multiple mutual funds to avoid duplication.

Diversification Check

Understand whether your investments are truly diversified or concentrated in the same companies.

Better Portfolio Planning

Helps you optimize fund selection by reducing unnecessary duplication and improving risk-adjusted returns.

Instant Analysis

Get overlap percentages instantly to compare multiple funds.

Risk Management

Ensure your portfolio isn’t overly exposed to a handful of stocks.

Customizable Inputs

Check overlap across large-cap, mid-cap, small-cap, or thematic funds.

Disadvantages

Estimates Only

Overlap data is based on disclosed fund portfolios and may not always reflect the latest changes.

Fund Updates

Since fund portfolios are updated periodically, overlap percentages may vary over time.

Key Statistics

Common Overlap Range

20% - 60%

Most equity mutual funds have an overlap in this range depending on category and strategy.

Updated For

2025

Reflects the latest mutual fund portfolio disclosures for FY 2025-26.