Is portfolio overlap bad?

A high overlap (above 50%) means you aren't actually diversifying; you are just buying the same stocks through different funds, which doesn't reduce your risk.

How much overlap is acceptable?

Ideally, you should aim for less than 30% overlap between funds in the same category.

Portfolio Overlap Analyzer

Detect hidden concentration across mutual funds. Weighted overlap matrix and single-stock exposure.

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Documentation

Quick Summary: Portfolio Overlap Analyzer

The Portfolio Overlap Analyzer identifies stock duplication across multiple mutual funds. Many investors unknowingly own the same underlying stocks through different funds (e.g., two large-cap funds might have 70% overlap), which increases risk and reduces the benefits of diversification. Use this tool to clean up your portfolio.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.

Portfolio Overlap Analyzer

Detect hidden concentration across mutual funds. Weighted overlap matrix and single-stock exposure.

Import Your Portfolio

Upload a Zerodha or Groww CSV/XLSX export. All parsing is done locally — your data never leaves this browser.

Supported CSV Formats:

Zerodha Holdings:

Instrument, Qty, Avg cost, LTP, Cur val, P&L, Net chg, Day chg

Groww Holdings:

Stock Name, Quantity, Average Price, Current Price, Invested Amount, Current Value, P&L, P&L %

Portfolio Analytics

Import your portfolio to see P&L summary, asset breakdown, and LTCG planning insights.