If you hold HDFC Bank and you hold a Nifty 50 fund, you hold HDFC Bank twice. Your broker shows you two line items. It does not add them up.
Paste your holdings below and it adds them up. This runs in your browser — your holdings are not sent anywhere, because there is nowhere to send them to.
Percentages, or amounts in one currency. Share counts need a price for every line, and a mutual fund has no price here — so this page asks for percentages rather than guessing one.
An index fund is a list of companies. If you know the list and the weights, you know what the fund holds, so you can add it to what you hold directly. That is the whole calculation:
The membership is published by NSE. The weights are mine. NSE publishes which companies are in each index but not how much of each, so I compute the weights from free-float market capitalisation — the shares actually available to trade, times the price, which is the same basis NSE uses. That is an estimate, and I measured how wrong it is: against the published holdings of a real Nifty 50 tracker, the average error is 0.37 percentage points. The number is shown on the page next to the figures it affects, not in a footnote.
An actively managed fund cannot be looked through, and I will not pretend otherwise. A manager picks its holdings. SEBI makes it publish them monthly, so they exist, but they are not knowable from the fund’s name — and guessing them from its category would be inventing your portfolio. Those funds are listed by name, with the reason, and left alone. Same for gold, debt and anything else that holds no company shares.
Seven indices are covered: Nifty 50, Next 50, 100, 500, Bank, IT and Midcap 150. A fund tracking anything else is named and left alone rather than mapped to a nearby index.
I tried six other things first and measured each one. Five died.
“You have 12 positions but only 3 real bets” — a good line, and it happened zero times in 200 real portfolios. “Picking your own stocks cost you 14%” — measured across every rolling one-year window, the same portfolio beat its index 223 times out of 493, median gap −0.2%. That is a coin flip, not a finding. A long chain of cause and effect reaching your holdings — 371,368 candidates tested, zero survived, twice, and the reason turned out to be structural rather than fixable.
This one survived because of what it is: addition you could check by hand against your fund’s own factsheet, about something your broker genuinely does not show you. Everything else in a portfolio tool describes positions you chose, and facts about your own choices cannot surprise you. The company you hold twice is not a choice you made.