Finance & Investment · Mutual Funds & SIP
Mutual Fund Portfolio Consolidation Calculator
List your mutual funds with their category, value and expense ratio to spot duplicate categories, see your portfolio's weighted expense ratio, and compare staying put with consolidating into a few low-cost funds — after exit loads and tax on switching.
Your inputs
Quick start — try a typical case
Expense ratios are on each fund's factsheet; regular plans usually charge 0.5–1 % more than direct plans.
e.g. a few direct-plan or index funds.
₹ 25 thousand
Units held over a year usually have no exit load; long-term equity gains above ₹1.25 lakh a year are taxed at 12.5 %.
Your result Live
Consolidating Adds After 15 Years
₹7,79,933
₹64,89,048 vs ₹57,09,115 staying put, after ₹25,000 of switching costs
- Funds / Categories
- 7 funds across 5 categories
- Weighted Expense Ratio Now
- 1.69%
- Yearly Fees Now → After
- ₹22,131 → ₹7,860
- Switching Cost Recovered In
- Within 2 years
- Categories with More Than One Fund
- Large cap (2), Flexi / multi cap (2)
- Large cap · 33%₹4,30,000
- Flexi / multi cap · 36%₹4,70,000
- Mid cap · 15%₹2,00,000
- ELSS · 9%₹1,20,000
- Small cap · 7%₹90,000
Your funds
7 rowsFunds in the same category usually hold many of the same stocks, so extra funds add cost and tracking effort without much diversification.
Switch in stages to use each year's ₹1.25 lakh long-term equity gains exemption, and wait out any exit-load period. ELSS units can't be redeemed for 3 years from each purchase.
An estimate from the assumptions you entered, not a guaranteed outcome.
How this is calculated
Stay = Σ Vᵢ(1 + r − TERᵢ)ⁿ · Consolidate = (ΣVᵢ − switching cost)(1 + r − TER_target)ⁿ · Weighted TER = Σ Vᵢ·TERᵢ ÷ ΣVᵢ
- r
- Expected return before expenses (the same for every fund, so only costs differ)
- TER
- Total expense ratio, charged yearly as a % of the fund's value
Holding many funds in the same category rarely improves diversification — they tend to own the same stocks — but it raises your average cost and makes the portfolio hard to track. This compares the future value of your current funds with the same money, less the cost of switching, in a smaller set of cheaper funds, assuming the same underlying market return.
Assumptions & sources
- Every fund earns the same return before expenses; only expense ratios differ.
- Switching cost is paid once, now; no further switches.
- Expense ratios stay at today's levels.
- 1Total expense ratio of mutual fund schemes — AMFI
- 2Investor education material — SEBI — Securities and Exchange Board of India
Calculator ID FIN-INV-MFCONSOL-001 · version 1.0.0
Common questions
How many mutual funds should I hold?
For most people 3–6 funds cover everything: one or two diversified equity funds or index funds, perhaps a mid/small-cap fund, and debt or hybrid funds as needed.
What does switching cost?
Exit loads (often 1 % if sold within a year) and capital-gains tax on the gains redeemed. Selling in stages across financial years can reduce the tax.