Mutual Fund Overlap Checker & Calculator

Owning 4 mutual funds doesn't mean you're diversified. If all 4 hold the same 20 stocks, you have concentrated risk dressed up as a portfolio. InXits' mutual fund overlap checker and MF overlap calculator shows you exactly where your fund overlap lies — which stocks are duplicated, at what weight, and how much mf overlap you actually have — so you can fix it.

How it works

Add Your Funds to the Overlap Checker

Select the mutual fund schemes you hold or plan to invest in. The mutual fund overlap checker supports multiple funds — compare mutual fund portfolio overlap across 3, 4, or 5 schemes at once.

1st

Run the MF Overlap Calculator

InXits' mf overlap calculator instantly computes the percentage of common holdings between your selected funds — and shows you every overlapping stock by name and weight.

2nd

Reduce Fund Overlap & Diversify

Use the mutual fund portfolio overlap checker results to identify high-overlap funds and replace them with complementary schemes — building a portfolio with genuinely low mf overlap.

3rd

Mutual Fund Overlap Checker

What Is Mutual Fund Overlap and Why Does It Matter?

Mutual fund overlap happens when two or more schemes you hold invest in the same underlying stocks. A classic example: if you hold both a Nifty 50 index fund and an active large-cap fund, your mf overlap could be 70–80% — meaning most of your 'diversification' is illusory. Fund overlap is especially common between large-cap and flexi-cap funds, and between index funds and active funds tracking the same benchmark. Use InXits' mutual fund overlap checker to find out your real portfolio overlap before it impacts your returns.

Download on the App Store

Get it on Google Play

Chat on WhatsApp

How to Use the Mutual Fund Overlap Calculator

Add your current funds to InXits' mf overlap calculator, and within seconds you'll see a full mutual fund portfolio overlap checker report. The report shows:
1. Overall portfolio overlap %
2. Stock-by-stock fund overlap detail
3. A diversification score
For any pair with mutual fund overlap above 40%, consider whether both funds are genuinely earning their place in your portfolio — or whether one is just duplicating the other.

Download App

Key Features & Benefits

Free Mutual Fund Overlap Calculator

Our mutual fund overlap calculator gives you an exact overlap percentage — not a vague qualitative label. Know precisely how much fund overlap exists between any two or more schemes.

MF Overlap Checker Across Multiple Funds

Unlike tools that only compare two funds, InXits' mf overlap checker works across 3, 4, or 5 funds simultaneously — so you can see portfolio overlap across your entire mutual fund portfolio.

Stock-Level Mutual Fund Portfolio Overlap Checker

The mutual fund portfolio overlap checker shows you exactly which stocks are shared, their weight in each fund, and your total combined exposure — not just a percentage number.

Fund Overlap Diversification Score

InXits assigns a diversification score based on your fund overlap results — making it easy to see at a glance whether your portfolio is genuinely spread out or secretly concentrated.

Compare Mutual Fund Portfolio Overlap Over Time

Track how your portfolio overlap changes quarter to quarter as AMCs update their holdings — so mf overlap that creeps in over time doesn't catch you off guard.

Who Is This Tool For?

Investors holding 3+ equity mutual funds who want to check their real mf overlap
SIP investors who've added funds over the years and suspect growing fund overlap
Financial advisors using a mutual fund portfolio overlap checker to review client portfolios
Portfolio builders starting fresh who want zero portfolio overlap from day one

Frequently Asked Questions

What is mutual fund overlap?

Mutual fund overlap occurs when multiple funds in your portfolio hold the same stocks reducing diversification.

How do I calculate mutual fund overlap?

You can calculate overlap by checking common holdings and their weight across funds using an overlap calculator.

What is a good mutual fund overlap percentage?

An overlap up to 30 to 35 percent is acceptable while higher overlap indicates duplication and lower diversification.

Which mutual funds have the least overlap?

Funds from different categories like large cap and mid cap or domestic and international funds usually have lower overlap.

Can I compare overlap across more than two funds?

Yes you can compare overlap across multiple funds to get a complete view of portfolio diversification.