Scheme Overlap Analysis
Scheme overlap analysis looks through each fund to the stocks it holds, so the same large-cap names across four fund houses show up. Cambridge Wealth maps this across your folios.
Most households end up holding investments in more places than they intended: a few fund houses, an old employer scheme, some insurance-linked products, perhaps property. Each was a sensible decision on its own day. Together they can duplicate the same exposure and leave no clear view of what is actually held. Cambridge Wealth reviews the holdings across those folios, identifies where they overlap, and keeps the records in one place.
Integrated wealth solutions spanning investments, planning, taxation, succession, and long-term family financial goals.
Scheme overlap analysis looks through each fund to the stocks it holds, so the same large-cap names across four fund houses show up. Cambridge Wealth maps this across your folios.
A consolidated record lists every folio, scheme and nominee in one place. Cambridge Wealth keeps this record current so the combined position stays visible.
Folios opened before moving abroad often need re-designation and updated KYC. Cambridge Wealth supports NRE/NRO records, FATCA/CRS declarations and related paperwork.
Scattered folios can carry old or missing nominees. Cambridge Wealth reviews each folio's nominee as part of estate planning.
Expense ratios and capital gains differ by scheme and holding period. Cambridge Wealth records what each holding costs and the tax data filers need.
Private equity or structured credit held on the side can sit outside any review. Cambridge Wealth adds these to the combined view.
Portfolios are rarely designed in one sitting. They accumulate: a scheme bought one year, another through an employer, a policy taken for tax reasons, a property. Each made sense at the time. The difficulty is that nobody sees the combined position, so the same large-cap stocks can sit inside four different schemes while a near-term goal has nothing liquid behind it. Cambridge Wealth reviews the underlying holdings across your folios to identify that overlap and consolidates the records into one place. What emerges is a factual picture of what is held and what it costs.
Discover how professionals, families, and global Indians approach long-term wealth decisions with Cambridge Wealth.
"You tend to forget about your portfolio until it is too late. I wasn't even aware how my folio was doing until Chinmay & team ran me through a multi-faceted analysis that showed me how I was doing. From there on, improving its quality with rich research from the Cambridge..."
"A friend recommended Chinmay (Founder of Cambridge Wealth) a couple of years back to help me with my taxation and reinvestment of money when we sold off the property. The CW team has been very quick to respond and is available at any point in time with regard to almost..."
"Cambridge Wealth has been great. Very clear and thorough - highly recommended to anyone who is looking for efficient guidance in investment matters."
"I had a really great experience with Cambridge wealth. They manage all my investments and always give good advice."
"I would recommend Cambridge Wealth to anyone. They listened to my requirements and then came back to me with all my options. The advice was clear and tailored to my own circumstances"
"You tend to forget about your portfolio until it is too late. I wasn't even aware how my folio was doing until Chinmay & team ran me through a multi-faceted analysis that showed me how I was doing. From there on, improving its quality with rich research from the Cambridge..."
"A friend recommended Chinmay (Founder of Cambridge Wealth) a couple of years back to help me with my taxation and reinvestment of money when we sold off the property. The CW team has been very quick to respond and is available at any point in time with regard to almost..."
"Cambridge Wealth has been great. Very clear and thorough - highly recommended to anyone who is looking for efficient guidance in investment matters."
"I had a really great experience with Cambridge wealth. They manage all my investments and always give good advice."
"I would recommend Cambridge Wealth to anyone. They listened to my requirements and then came back to me with all my options. The advice was clear and tailored to my own circumstances"
"You tend to forget about your portfolio until it is too late. I wasn't even aware how my folio was doing until Chinmay & team ran me through a multi-faceted analysis that showed me how I was doing. From there on, improving its quality with rich research from the Cambridge..."
"A friend recommended Chinmay (Founder of Cambridge Wealth) a couple of years back to help me with my taxation and reinvestment of money when we sold off the property. The CW team has been very quick to respond and is available at any point in time with regard to almost..."
"Cambridge Wealth has been great. Very clear and thorough - highly recommended to anyone who is looking for efficient guidance in investment matters."
"I had a really great experience with Cambridge wealth. They manage all my investments and always give good advice."
"I would recommend Cambridge Wealth to anyone. They listened to my requirements and then came back to me with all my options. The advice was clear and tailored to my own circumstances"
Our approach combines transparency, research, and personal accountability across every wealth decision.
Cambridge Wealth is an AMFI-registered firm for Mutual Funds and SIFs. The role, and how it is paid, is stated plainly rather than implied.
Structured research helps evaluate opportunities systematically and reduce emotional investment decisions.
Investment, taxation, estate, succession, and family priorities are considered together.
Support for India-based clients and NRIs navigating investments and financial decisions across markets.
Experienced specialists bring investment, taxation, market, service, and technology perspectives.
Founder & Chief Investment Officer
Chinmay Kulkarni founded Cambridge Wealth to bring institutional-grade investment thinking to India's affluent and global Indian investors. With 17+ years across private equity, digital banking, and wealth management, he has worked closely with prominent families worldwide on preserving and growing multi-generational wealth. His prior roles at PwC and Barclays shaped a disciplined, research-led approach to portfolio construction. He sets the firm's investment philosophy, balancing capital preservation with long-term wealth creation. Clients turn to him for the depth of expertise typically found at family offices and institutional investment firms.
Investment & Taxation Lead
Mihir leads investment structuring and taxation at Cambridge Wealth, with over 18 years of experience navigating the complexities that come with significant wealth. He works closely with clients to structure portfolios for tax efficiency across jurisdictions, including cross-border considerations for NRIs. His command of Indian tax law and regulatory nuance ensures every investment decision is structured as carefully as it is chosen. He anticipates compliance and structuring issues before they become costly. His work ensures clients retain more of what they earn.
People & Business Lead
Sangeeta leads people and business operations at Cambridge Wealth, bringing over 20 years of experience to how the firm serves its clients. As part of the founding team, she has built a culture grounded in trust, discretion, and long-term relationships. Her behavioral and relationship-driven approach shapes how the firm engages clients at every stage of their wealth journey. She oversees the operational foundation that allows the firm to deliver a consistently high standard of service. Her focus spans talent, process, and the systems that keep the firm running smoothly as it scales.
Investment Services Lead
Aditya Kaushik leads investment services at Cambridge Wealth, with over 8 years of experience building the kind of personal relationships that earn lasting client trust. As part of the founding team, he has shaped a client experience built on candor, accessibility, and long-term partnership rather than one-off transactions. He translates complex investment strategy into decisions clients can act on with confidence. His relationships with clients often span years and multiple life stages of wealth. He serves as the primary link between the firm's research and the families it works with.
Product, Data & AI Lead
CP leads product, data, and AI at Cambridge Wealth, with over 7 years of experience building the digital infrastructure behind a sophisticated wealth management experience. As part of the founding team, he ensures the firm's platforms match the standard clients expect at every touchpoint. His work in data and AI is focused on sharper, faster investment insight without compromising the discretion clients require. He bridges technology and product strategy, making institutional-grade tools intuitive to use. His focus is on building infrastructure that lives up to the wealth it serves.
Often less than it appears. Schemes from different houses frequently hold the same underlying stocks, so the same companies can sit in several places at once. Cambridge Wealth reviews the underlying holdings across your folios to show where that repetition sits.
Talk with our team about your financial goals and planning priorities.
Awarded in recognition of long-standing commitment and support extended toward a digital investment platform, reflecting early adoption of transaction infrastructure and consistent platform-based investment activity. Highlights an early and sustained embrace of technology-driven investment channels well ahead of broader industry adoption.
Conferred for outstanding investor mobilization and investor support during a critical fundraising window, reflecting strong on-ground execution, timely investor outreach, and effective campaign coordination. The recognition underscores the ability to convert investor interest into committed subscriptions within a tight, time-bound cycle, while maintaining clarity and compliance in all investor communication.
Awarded for sustained and exceptional contribution across a full financial year, recognizing consistent business generation, proactive client servicing, and a long-term collaborative partnership supporting business growth objectives. Reflects year-round reliability rather than a one-time spike in performance, along with active participation in ongoing investor engagement and servicing initiatives.
Presented in recognition of outstanding contribution to an alternate investment business vertical, highlighting the firm's role in expanding investor access to structured and alternative product categories through informed advisory and relationship management. Signals credibility in guiding sophisticated, higher-ticket investors through more complex product structures.
Granted for invaluable contribution to the successful launch and subscription momentum of a new fund offering, reflecting strong investor engagement and effective onboarding during the offer period. Demonstrates the capacity to drive meaningful subscription volumes and investor participation during a fund's most critical early fundraising phase.
Conferred for an extraordinary accomplishment in helping reach a significant industry-wide Assets Under Management milestone, underscoring scale, consistency, and trust built with the investor base over time. Formally acknowledged by senior leadership, this recognition points to a meaningful, measurable contribution to overall asset growth over a sustained period.
Presented for a valued strategic association built around thematic and cyclical investment advisory, recognizing the resulting investor participation. Reflects the ability to effectively communicate a nuanced investment thesis to investors and translate it into real, sustained participation.
Bring statements from every fund house and account. Cambridge Wealth can consolidate the records, identify overlapping holdings and set out what the combined portfolio costs.
For immediate assistance, feel free to give us a direct call at +91 92409 25783. You can also send us a quick email at support@cambridgewealth.in.
For immediate assistance, feel free to give us a direct call at +91 92409 25783. You can also send us a quick email at support@cambridgewealth.in.