Portfolio Diagnostics
Are you paying twice for the same stocks?
Pick the mutual funds your SIPs go into. The diagnostics read each fund's latest published portfolio and AMFI's official expense ratios, then show how much your funds overlap and what the Regular plan is costing you.
- Search and add your fundsType a fund name. Old names like "SBI Bluechip" work too.
- Enter what each is worth todayAnd tap Direct or Regular, as in your statement.
- Read your resultOverlap between your funds, and what Regular plans cost you.
Your funds
Example portfolioThis is a sample portfolio, not a real investor. Clear it and search for your own funds.
Yellow fields are your own assumptions. They are used only for the 10–20 year cost projection.
Want a full report on your portfolio?
The free diagnostics show the headline. A RupeeRise Portfolio Health Check goes deeper, in plain language:
- Stock-by-stock and sector overlap across all your funds
- Expense ratio, Sharpe ratio, alpha, beta and correlation for every scheme
- What a Regular-to-Direct switch involves: exit loads and capital-gains tax to check
- A clear written summary for your own decisions (education only, no buy or sell recommendations)
Data and method
| Holdings | Each fund house's statutory monthly portfolio (SEBI format), read stock by stock and matched by ISIN. |
| Overlap | For two funds: the sum, over stocks both hold, of the smaller of the two weights (% of net assets). 0% means no common stocks; 100% means identical portfolios. The headline shows your closest pair; the portfolio figure is the average across all pairs, weighted by the money in each fund. |
| Stocks counted | Indian and overseas equity shares. Hedged arbitrage positions, REITs/InvITs, bonds, money-market instruments and cash are left out. |
| Company size | AMFI's half-yearly list: top 100 by market value = large cap, 101–250 = mid cap, 251+ = small cap. |
| Expense ratio | Total Expense Ratio for each scheme, Regular and Direct plan, as filed daily with AMFI: base expense ratio + brokerage + GST and other statutory levies. The base ratio is shown in brackets. |
| Projection | Your current value plus monthly SIP, compounded at your assumed return minus each plan's expense ratio. An illustration, not a forecast. |
Sources
For education only. This tool does not recommend buying, selling or holding any scheme and is not investment advice. It shows no past returns. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Switching existing units from Regular to Direct is a redemption and may attract exit load and capital-gains tax. Speak to a qualified professional before acting.
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