PORTFOLIO OVERLAP CHECKLIST
WorthOS Technologies Private Limited

STEP 1 — AUDIT BY CATEGORY
List each fund and its exact SEBI category. Download same-month portfolio disclosures from AMC or AMFI websites.

STEP 2 — FIND DUPLICATION
Within each category, compare fund pairs by holding weight. For each shared company, take the lower weight and add the results.

STEP 3 — DEFINE THE TARGET
Write down the purpose of every portfolio slot. Fill each intended exposure once and identify funds that add no distinct role.

STEP 4 — PLAN THE TRANSITION
Check exit-load windows and current capital-gains treatment before redeeming. Consider stopping and redirecting SIPs first, then stage exits where appropriate.

STEP 5 — KEEP IT FROM REBUILDING
Review before every new fund addition and after AMFI's half-yearly cap list updates. Re-check schemes after a mandate, merger, or name change.

COMPARISON SHEET
Fund A: __________  Category: __________  Benchmark: __________
Fund B: __________  Category: __________  Benchmark: __________
Calculated overlap: __________
Distinct role of Fund B: ____________________________________
Exit load window checked: Yes / No
Capital-gains impact checked: Yes / No
Decision: Keep / Stop SIP / Redirect SIP / Review redemption

Important: SEBI's February 2026 overlap cap applies to certain related scheme categories within fund houses. It is not an investor-level threshold. This checklist is educational, not personalised investment or tax advice. Investments in securities markets are subject to market risks. Read all related documents carefully before investing.