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7 of 66 unique stocks in common · Jaccard: 10.6%
A weighted portfolio overlap of 19.39% indicates a low overlap (mostly different holdings). This means that out of every ₹100 you invest across these two schemes, approximately ₹19.39 is allocated to the exact same companies at the same relative proportions. The schemes share 7 common holdings.
The largest overlapping asset in their portfolios is State Bank of India, which commands a weight of 8.85% in Kotak Rural Opportunities Fund and 8.98% in UTI - Banking and Financial Services Fund. Holding both schemes increases your concentration in State Bank of India rather than expanding your diversification.
If the overlap is above 30%, it is typically because both schemes benchmark to the same index (e.g. Nifty 50 or Nifty LargeMidcap 250) or overlap in their top large-cap picks. To improve your portfolio's diversification, consider allocating one of these tranches to a category with lower structural correlation (such as a mid-cap, small-cap, or international equity fund).
| Stock | in Kotak | in UTI |
|---|---|---|
| State Bank of IndiaBanks | 8.85% | 8.98% |
| Shriram FinanceFinance | 3.14% | 5.43% |
| Bajaj FinanceFinance | 2.57% | 7.69% |
| SBI Life Insurance CompanyInsurance | 2.07% | 3.78% |
| Cholamandalam Investment and Finance CompanyFinance | 2.13% | 1.23% |
| India Shelter Finance CorporationFinance | 1.06% | 1.46% |
| Bank of BarodaBanks | 0.47% | 1.60% |
Weighted overlap = Σ min(weight in fund A, weight in fund B) across shared stocks, from each fund's latest public monthly portfolio (as on May 2026). Equity holdings only, ISIN-verified. Not investment advice.