Concentration Risk Calculator
Is your employer stock silently dominating your portfolio? Enter your holdings and RSU vesting schedule to see your diversification score and 3-year concentration trajectory.
Employer stock & RSUs
Future RSU vesting schedule NEW
Assumes no sales and no stock price change — worst-case concentration scenario. Switch to the “3-year projection” tab to see the trajectory.
Other holdings — all values in ₹ Lakhs
Risk snapshot — today
Employer stock
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of total portfolio
Largest position
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Diversification score
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Projected employer stock concentration (no sales assumed)
All values in Indian Rupees (Lakhs). Diversification score uses a modified HHI (Herfindahl-Hirschman Index) with an additional penalty for employer stock above 20%.
RSU projection assumes no stock sales and no change in share price — a worst-case scenario designed to help you plan ahead.
Disclaimer: This calculator is for educational purposes only and does not constitute investment advice. Concentration risk benchmarks (10–20% employer stock threshold) are commonly cited guidelines, not regulatory limits. Your individual risk tolerance, tax situation, and financial goals may vary. Consult a SEBI-registered investment adviser before making portfolio changes. RSU and ESOP taxation in India is complex; consult a tax professional regarding perquisite tax at vest and capital gains on sale.