Loading fund overlap…
16 of 108 unique stocks in common · Jaccard: 14.8%
A weighted portfolio overlap of 13.61% indicates a low overlap (mostly different holdings). This means that out of every ₹100 you invest across these two schemes, approximately ₹13.61 is allocated to the exact same companies at the same relative proportions. The schemes share 16 common holdings.
The largest overlapping asset in their portfolios is HDFC Bank, which commands a weight of 3.03% in UTI Children's Hybrid Fund and 2.88% in UTI Retirement Fund. Holding both schemes increases your concentration in HDFC Bank 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 UTI Children's | in UTI Retirement |
|---|---|---|
| HDFC BankBanks | 3.03% | 2.88% |
| ICICI BankBanks | 2.59% | 2.43% |
| InfosysIT - Software | 1.46% | 1.91% |
| Reliance IndustriesPetroleum Products | 1.67% | 1.42% |
| Bharti AirtelTelecom - Services | 1.77% | 1.16% |
| State Bank of IndiaBanks | 0.66% | 0.75% |
| Maruti Suzuki IndiaAutomobiles | 1.12% | 0.65% |
| Larsen & ToubroConstruction | 0.60% | 1.53% |
| Ajanta PharmaPharmaceuticals & Biotechnology | 0.80% | 0.51% |
| Crompton Greaves Consumer ElectricalsConsumer Durables | 0.54% | 0.47% |
| The Phoenix MillsRealty | 0.71% | 0.40% |
| Power Grid Corporation of IndiaPower | 0.35% | 1.14% |
| Coal IndiaConsumable Fuels | 0.24% | 0.53% |
| Hero MotoCorpAutomobiles | 0.19% | 0.49% |
| Tips MusicEntertainment | 0.17% | 0.37% |
| Bharat Petroleum CorporationPetroleum Products | 0.11% | 0.02% |
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.