Baroda BNP Paribas India Consumption Fund vs Kotak Rural Opportunities Fund
Direct Plan, Growth option · Data as on 30-10-2026
Baroda BNP Paribas India Consumption Fund is a Thematic fund and Kotak Rural Opportunities Fund is a Thematic fund. Baroda BNP Paribas India Consumption Fund charges 0.96% a year and Kotak Rural Opportunities Fund 0.92% (Direct plans). Their portfolios overlap 30.3%: they hold 12 of the same securities.
Baroda BNP Paribas India Consumption Fund
Thematic
- Expense ratio
- 0.96%
- NAV
- ₹32.87
Which is better, Baroda BNP Paribas India Consumption or Kotak Rural Opportunities? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Kotak Rural Opportunities costs less: 0.92% a year against 0.96% (Direct plans).
- Baroda BNP Paribas India Consumption fell less in its worst fall since 04-12-2025: −15.4% against −15.5%.
- Baroda BNP Paribas India Consumption is the larger fund: ₹1,354 Cr against ₹708 Cr.
- Their portfolios overlap 30.3%: 12 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Baroda BNP Paribas India Consumption Fund | Kotak Rural Opportunities Fund |
|---|---|---|
| Fund house | Baroda BNP Paribas Mutual Fund | Kotak Mahindra Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹1,354 Cr (30-09-2026) | ₹708 Cr (30-09-2026) |
| NAV | ₹32.87 (Direct) | ₹9.14 (Direct) |
| Expense ratio (Direct) | 0.96% | 0.92% |
| Expense ratio (Regular) | 2.37% | 2.48% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | Nifty Rural TRI |
| Launch date | Not available | 27-11-2025 |
| Minimum investment | Not available | ₹1,000 |
| Lock in | Not available | None |
| Fund managers | Not available | Arjun Khanna, Abhishek Bisen |
| Exit load | Not available | Exit load of 0.5%, if redeemed within 90 Days. |
Baroda BNP Paribas India Consumption vs Kotak Rural Opportunities: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Baroda BNP Paribas India Consumption Fund (Direct) | +0.43% | −5.55% | −0.70% | −8.93% | +9.52% | -- | -- |
| Kotak Rural Opportunities Fund (Direct) | −1.43% | −8.00% | −7.46% | -- | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Baroda BNP Paribas India Consumption vs Kotak Rural Opportunities: Year-wise Returns
| Year | Baroda BNP Paribas India ConsumptionBaroda BNP Paribas India Consumption | Kotak Rural OpportunitiesKotak Rural Opportunities |
|---|---|---|
| 2026to date | −8.33% | −10.60% |
| 2025 | +2.28% | -- |
| 2024 | +24.29% | -- |
| 2023 | +30.87% | -- |
Baroda BNP Paribas India Consumption vs Kotak Rural Opportunities: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of Baroda BNP Paribas India Consumption Fund
Baroda BNP Paribas India Consumption vs Kotak Rural Opportunities: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Baroda BNP Paribas India Consumption Fund (Direct) | Kotak Rural Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.27% | −9.71% |
| Standard deviation | 12.34% | 16.18% |
| Sharpe ratio | 0.51 | -0.92 |
| Sortino ratio | 0.72 | -1.23 |
| Maximum drawdown | −21.4% (23-03-2026) | −15.5% (23-10-2026) |
| Beta | 0.88 | 0.98 |
| Alpha | +0.25% | +2.24% |
From daily NAVs, 14-03-2022 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Baroda BNP Paribas India Consumption Fund (Direct)
Kotak Rural Opportunities Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Baroda BNP Paribas India Consumption Fund (Direct) | −15.4% | 05-01-2026 | 23-03-2026 | Not yet | -- | −8.3% |
| Kotak Rural Opportunities Fund (Direct) | −15.5% | 18-02-2026 | 23-10-2026 | Not yet | -- | −13.8% |
| Nifty India Consumption TRI | −16.4% | 05-12-2025 | 30-03-2026 | Not yet | -- | −9.7% |
From daily values since 04-12-2025, the first day every fund has.
Baroda BNP Paribas India Consumption vs Kotak Rural Opportunities: Portfolio Overlap
From each fund's latest monthly portfolio: Baroda BNP Paribas India Consumption Fund, September 2026; Kotak Rural Opportunities Fund, September 2026
Holdings in common
- Overlap
- 30.3%
- Held by both
- 12
- Only in Baroda BNP Paribas India Consumption
- 26
- Only in Kotak Rural Opportunities
- 32
| Security | % of Baroda BNP Paribas India Consumption | % of Kotak Rural Opportunities |
|---|---|---|
| Bharti Airtel Limited | 7.14% | 9.31% |
| Mahindra & Mahindra Limited | 6.54% | 8.34% |
| TVS Motor Company Limited | 5.00% | 4.35% |
| Eicher Motors Limited | 5.28% | 2.22% |
| Marico Limited | 2.81% | 2.00% |
| Britannia Industries Limited | 1.78% | 3.14% |
| Hindustan Unilever Limited | 2.41% | 1.66% |
| Bajaj Auto Limited | 2.81% | 1.38% |
| Indus Towers Limited | 1.20% | 2.37% |
| Maruti Suzuki India Limited | 5.86% | 1.06% |
| Sona BLW Precision Forgings Limited | 0.92% | 0.82% |
| Crompton Greaves Consumer Electricals Limited | 0.19% | 0.52% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 30.3% means 30.3% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Baroda BNP Paribas India Consumption Fund
| Security | % of fund |
|---|---|
| Titan Company Limited | 7.79% |
| Eternal Limited | 5.67% |
| The Phoenix Mills Limited | 3.43% |
| Nestle India Limited | 3.07% |
| Trent Limited | 2.84% |
Largest holdings only in Kotak Rural Opportunities Fund
| Security | % of fund |
|---|---|
| STATE BANK OF INDIA. | 9.49% |
| Emami Ltd. | 3.94% |
| SHRIRAM FINANCE LIMITED | 3.66% |
| AVANTI FEEDS LTD | 3.25% |
| Ultratech Cement Ltd. | 3.10% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Baroda BNP Paribas India Consumption | Kotak Rural Opportunities |
|---|---|---|
| Equity | 97.2% | 98.4% |
| Debt | 0.0% | 0.0% |
| Cash and others | 2.8% | 1.6% |
Market cap of stocks
| Market cap | Baroda BNP Paribas India Consumption | Kotak Rural Opportunities |
|---|---|---|
| Large Cap | 72.4% | 65.9% |
| Mid Cap | 17.9% | 10.6% |
| Small Cap | 5.8% | 17.5% |
| Not on AMFI's list | 1.2% | 4.4% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Baroda BNP Paribas India Consumption | Kotak Rural Opportunities |
|---|---|---|
| Automobiles | 26.3% | 17.4% |
| Retailing | 14.7% | 0.0% |
| Finance | 0.0% | 13.2% |
| Consumer Durables | 12.5% | 1.9% |
| Telecom - Services | 8.3% | 11.7% |
| Banks | 0.0% | 11.3% |
| Food Products | 6.0% | 7.7% |
| Diversified FMCG | 5.2% | 1.7% |
| Agricultural, Commercial and Construction Vehicles | 0.0% | 4.6% |
The six largest sectors of each fund's stocks, % of the fund.
Baroda BNP Paribas India Consumption vs Kotak Rural Opportunities: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Baroda BNP Paribas India Consumption Fund | Kotak Rural Opportunities Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.96% | 0.92% |
| Base expense ratio (Direct) | 0.61% | 0.73% |
| Total expense ratio (Regular) | 2.37% | 2.48% |
| Base expense ratio (Regular) | 1.82% | 2.04% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
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Compare Kotak Rural Opportunities with
Baroda BNP Paribas India Consumption Fund vs Kotak Rural Opportunities Fund: Frequently Asked Questions
What is the difference between Baroda BNP Paribas India Consumption Fund and Kotak Rural Opportunities Fund?
Baroda BNP Paribas India Consumption Fund is a Thematic fund, Kotak Rural Opportunities Fund is a Thematic fund, run by Baroda BNP Paribas Mutual Fund and Kotak Mahindra Mutual Fund. Their portfolios overlap 30.3%. Baroda BNP Paribas India Consumption Fund charges 0.96% a year and Kotak Rural Opportunities Fund 0.92%.
Which has the lower expense ratio, Baroda BNP Paribas India Consumption Fund or Kotak Rural Opportunities Fund?
Kotak Rural Opportunities Fund charges less: 0.92% a year against 0.96%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Baroda BNP Paribas India Consumption Fund and Kotak Rural Opportunities Fund overlap?
30.3%. They hold 12 of the same securities, the largest shared ones being BHARTIARTL, M&M, TVSMOTOR. From each fund's latest monthly portfolio.
Can I invest in both Baroda BNP Paribas India Consumption Fund and Kotak Rural Opportunities Fund?
Yes. 30.3% of each fund's money sits in the same holdings, so some of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.