{"id":42050,"date":"2026-08-07T11:00:16","date_gmt":"2026-08-07T05:30:16","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=42050"},"modified":"2026-08-06T22:24:36","modified_gmt":"2026-08-06T16:54:36","slug":"how-should-i-interpret-overlap-percentages-when-comparing-different-funds","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/how-should-i-interpret-overlap-percentages-when-comparing-different-funds\/","title":{"rendered":"How should I interpret overlap percentages when comparing different funds?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-6a75b5ac83511\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-6a75b5ac83511\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-interpret-overlap-percentages-when-comparing-different-funds\/#what_the_numbers_mean\" title=\"what the numbers mean\">what the numbers mean<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-interpret-overlap-percentages-when-comparing-different-funds\/#how_overlap_is_calculated\" title=\"how overlap is calculated\">how overlap is calculated<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-interpret-overlap-percentages-when-comparing-different-funds\/#different_categories_different_overlap_patterns\" title=\"different categories, different overlap patterns\">different categories, different overlap patterns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-interpret-overlap-percentages-when-comparing-different-funds\/#why_overlap_matters\" title=\"why overlap matters\">why overlap matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-interpret-overlap-percentages-when-comparing-different-funds\/#sebis_new_overlap_rule\" title=\"sebi&#8217;s new overlap rule\">sebi&#8217;s new overlap rule<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-interpret-overlap-percentages-when-comparing-different-funds\/#frequently_asked_questions\" title=\"frequently asked questions\">frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p class=\"ds-markdown-paragraph\"><span class=\"\"><a href=\"https:\/\/kuvera.in\/mutual-funds\/all\">mutual fund<\/a> overlap is the degree of similarity between two or more schemes holding identical securities<\/span><span class=\"\">. when two funds hold the same stocks in similar proportions, they are overlapping.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the interpretation of overlap percentages is not uniform. different ranges mean different things. the context matters.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"what_the_numbers_mean\"><\/span><span class=\"\">what the numbers mean<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">below 25%.<\/span><\/strong><span class=\"\">\u00a0this is healthy diversification. the funds hold different securities. each adds unique value to the portfolio. the investor is genuinely spreading risk across different companies and sectors<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">25% to 33%.<\/span><\/strong><span class=\"\">\u00a0moderate overlap. some exposure is duplicated. the investor should monitor this level. it is not yet a problem but warrants attention<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">33% to 50%.<\/span><\/strong><span class=\"\">\u00a0high overlap. diversification benefits are reduced. the funds are starting to look similar. one of the funds may be redundant<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">above 50%.<\/span><\/strong><span class=\"\">\u00a0very high overlap. the two funds are essentially holding the same portfolio. the investor is paying multiple expense ratios for the same exposure. diversification benefits are limited<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"how_overlap_is_calculated\"><\/span><strong><span class=\"\">how overlap is calculated<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the calculation uses stock weight, not just the number of common stocks.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">if scheme a and scheme b both hold 5% in reliance industries, that 5% is counted as overlap. if scheme a holds 8% in hdfc bank and scheme b holds 5%, the overlap contribution is 5%<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the lower weight is taken for each common stock and summed across all common holdings<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">this weight-based method is more accurate than simply counting the number of common stocks. a 1% holding should not be treated the same as a 10% holding.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"different_categories_different_overlap_patterns\"><\/span><strong><span class=\"\">different categories, different overlap patterns<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">large-cap funds.<\/span><\/strong><span class=\"\">\u00a0these funds have the highest overlap because they are mandated to invest in the top 100 companies<\/span><span class=\"\">. a study by upwisery private wealth found that 73% of large-cap funds have 40-60% overlap. 24% have 60-80% overlap<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">mid-cap funds.<\/span><\/strong><span class=\"\">\u00a084% of mid-cap funds have 20-40% overlap<\/span><span class=\"\">. the pattern is lower but still significant.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">small-cap funds.<\/span><\/strong><span class=\"\">\u00a067% of small-cap funds have 0-20% overlap<\/span><span class=\"\">. this category offers the most genuine diversification because fund managers have a wider universe of stocks to choose from.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">flexi-cap funds.<\/span><\/strong><span class=\"\">\u00a051% of flexi-cap funds have 20-40% overlap. 33% have 40-60% overlap<\/span><span class=\"\">. the variation is wider because these funds have more flexibility.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">multi-cap funds.<\/span><\/strong><span class=\"\">\u00a069% of multi-cap funds have 20-40% overlap<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"why_overlap_matters\"><\/span><strong><span class=\"\">why overlap matters<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">false diversification.<\/span><\/strong><span class=\"\">\u00a0investors assume that holding multiple funds automatically reduces risk. if those funds hold the same stocks, they are not protected<\/span><span class=\"\">. the portfolio looks diversified on paper. but underneath, it is concentrated.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">cost efficiency.<\/span><\/strong><span class=\"\">\u00a0every <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\">mutual fund<\/a> charges a management fee. holding overlapping schemes means paying multiple fund managers to manage the same set of stocks<\/span><span class=\"\">. consolidating into a leaner portfolio is often more efficient.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">concentration risk.<\/span><\/strong><span class=\"\">\u00a0if a sector or stock performs poorly, all overlapping funds take the hit simultaneously<\/span><span class=\"\">. the diversification benefit is lost.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">single-sector downturn risk.<\/span><\/strong><span class=\"\">\u00a0if five funds in a portfolio have heavy exposure to the same technology stocks, a sector downturn can hit the entire portfolio<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"sebis_new_overlap_rule\"><\/span><strong><span class=\"\">sebi&#8217;s new overlap rule<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">in february 2026, sebi mandated that sectoral and thematic funds must cap portfolio overlap at 50% with other equity schemes within the same amc<\/span><span class=\"\">. fund houses have three years to comply<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">amcs must publish monthly category-wise portfolio overlap disclosures on their websites<\/span><span class=\"\">. the overlap is computed quarterly using the average of daily overlap levels<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the rule aims to ensure that different schemes remain &#8220;true to label&#8221; and provide genuine diversification<\/span><span class=\"\">. it prevents situations where multiple funds essentially replicate the same investment strategy while being marketed as separate products<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">however, the mandate only applies to overlap within the same amc. overlap across different amcs still requires checking with tools.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"frequently_asked_questions\"><\/span><strong><span class=\"\">frequently asked questions<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">1. what is a healthy overlap percentage<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">below 25% is considered healthy. 25-33% is moderate and should be monitored. above 33% is high and warrants action.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">2. how is overlap calculated<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">overlap is the sum of the lower weightings of every common stock held between two funds.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">3. why do large-cap funds have high overlap<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">they are mandated to invest in the top 100 companies. fund managers often buy the same top stocks to avoid underperforming the benchmark.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">4. does sebi&#8217;s overlap rule apply to all funds<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">it applies to sectoral and thematic funds vis-\u00e0-vis other equity schemes within the same amc. large-cap funds are exempt because they are mandated to invest in the top 100 stocks.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">5. how often should overlap be checked<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">at least annually. <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\">mutual funds<\/a> churn their portfolios, so overlap is a dynamic concept.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>mutual fund overlap is the degree of similarity between two or more schemes holding identical securities. when two funds hold the same stocks in similar proportions, they are overlapping. the interpretation of overlap percentages is not uniform. different ranges mean different things. the context matters. what the numbers mean below 25%.\u00a0this is healthy diversification. the [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-interpret-overlap-percentages-when-comparing-different-funds\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":42013,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false},"categories":[992,81,822],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How should I interpret overlap percentages when comparing different funds? - Kuvera<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-interpret-overlap-percentages-when-comparing-different-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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