RupeeCase
Education . Sector Funds . 1 of 3
A diversifier that quietly concentrates
You added a fund to diversify.
You doubled your biggest bet.
He held a Nifty 50 index fund, already about 38 pct financial services. Then he added a financial services fund to spread out. By rule, that new fund is at least 80 pct the very sector he already owned the most of.
Your index fund
38%
Financial services in a Nifty 50 fund. Your single biggest bet, before you add anything.
The diversifier
80%+
A sector fund holds at least 80 pct in one sector. That is a SEBI rule, not a choice.
Your book after
50%
Financials after a 30 pct sector sleeve. More than half your equity in one sector.
The sentence the app never shows you
A second fund only spreads your risk if it holds something the first one does not.
Source . NSE . SEBI . 23 Jul 2026
Tanmay Kurtkoti . Builder of RupeeCase