Three things worth keeping.
01
The country is the position you never placed. You chose the funds. You chose large or mid or small. You chose direct over regular. Nobody sat down and chose 100 percent India. It arrived free with the demat account and it outweighs every other choice in the book.
02
Size is not safety. Japan was 45 percent of the world's equity and the concentration was invisible precisely because it was the default. The most dangerous bet is never the one that feels risky. It is the one that does not feel like a bet.
03
The honest counter, because it is a good one. You earn and spend in rupees. India has compounded faster than the world for years. The route out is genuinely narrow right now, with the industry wide overseas cap near its ceiling and some schemes shut to fresh money. All true. None of it turns 34 times into a decision. It just means you inherited a number instead of picking one.
A dozen funds. Four apps. Three cap segments. One country. That is not a diversified portfolio. That is a lot of diversification inside a single bet.
Concentration, correlation and what diversification actually buys
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