Loading fund overlap…
8 of 80 unique stocks in common · Jaccard: 10%
A weighted portfolio overlap of 17.9% indicates a low overlap (mostly different holdings). This means that out of every ₹100 you invest across these two schemes, approximately ₹17.9 is allocated to the exact same companies at the same relative proportions. The schemes share 8 common holdings.
The largest overlapping asset in their portfolios is Reliance Industries, which commands a weight of 9.92% in SBI Infrastructure Fund and 5.42% in SBI Retirement Benefit Fund - Aggressive Plan. Holding both schemes increases your concentration in Reliance Industries 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 SBI Infrastructure | in SBI Retirement |
|---|---|---|
| Reliance IndustriesPetroleum Products | 9.92% | 5.42% |
| Larsen & ToubroConstruction | 5.95% | 4.28% |
| Ultratech CementCement & Cement Products | 2.87% | 2.77% |
| Grindwell NortonIndustrial Products | 3.84% | 1.40% |
| JSW CementCement & Cement Products | 1.35% | 2.04% |
| Torrent PowerPower | 3.55% | 1.18% |
| Pitti EngineeringIndustrial Manufacturing | 1.56% | 0.78% |
| Carborundum UniversalIndustrial Products | 1.44% | 0.72% |
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.