ICICI Prudential Rural Opportunities Fund vs Kotak Rural Opportunities Fund
Direct Plan, Growth option · Data as on 30-10-2026
ICICI Prudential Rural Opportunities Fund is a Thematic fund and Kotak Rural Opportunities Fund is a Thematic fund. ICICI Prudential Rural Opportunities Fund charges 1.25% a year and Kotak Rural Opportunities Fund 0.92% (Direct plans). Their portfolios overlap 42.2%: they hold 19 of the same securities.
ICICI Prudential Rural Opportunities Fund
Thematic
- Expense ratio
- 1.25%
- NAV
- ₹10.33
Which is better, ICICI Prudential Rural Opportunities 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 1.25% (Direct plans).
- ICICI Prudential Rural Opportunities fell less in its worst fall since 04-12-2025: −14.4% against −15.5%.
- ICICI Prudential Rural Opportunities is the larger fund: ₹1,896 Cr against ₹708 Cr.
- Their portfolios overlap 42.2%: 19 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 | ICICI Prudential Rural Opportunities Fund | Kotak Rural Opportunities Fund |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | Kotak Mahindra Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹1,896 Cr (30-09-2026) | ₹708 Cr (30-09-2026) |
| NAV | ₹10.33 (Direct) | ₹9.14 (Direct) |
| Expense ratio (Direct) | 1.25% | 0.92% |
| Expense ratio (Regular) | 2.26% | 2.48% |
| Riskometer | Not available | Very High |
| Benchmark | Nifty Rural TRI | Nifty Rural TRI |
| Launch date | 28-01-2025 | 27-11-2025 |
| Minimum investment | ₹5,000 | ₹1,000 |
| Lock in | None | None |
| Fund managers | Priyanka Khandelwal | Arjun Khanna, Abhishek Bisen |
| Exit load | • 1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out within 1 month from allotment. • NIL - If the amount sought to be redeemed or switched out more than 1 month. | Exit load of 0.5%, if redeemed within 90 Days. |
ICICI Prudential Rural Opportunities 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 |
|---|---|---|---|---|---|---|---|
| ICICI Prudential Rural Opportunities Fund (Direct) | −1.62% | −9.07% | −6.77% | −12.23% | -- | -- | -- |
| 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.
ICICI Prudential Rural Opportunities vs Kotak Rural Opportunities: Year-wise Returns
| Year | ICICI PrudentialICICI Prudential Rural Opportunities | KotakKotak Rural Opportunities | Nifty Rural TRI |
|---|---|---|---|
| 2026to date | −12.61% | −10.60% | −12.25% |
ICICI Prudential Rural Opportunities vs Kotak Rural Opportunities: Rolling Returns
Every holding period of both funds, against Nifty Rural TRI, the benchmark of both
ICICI Prudential Rural Opportunities vs Kotak Rural Opportunities: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | ICICI Prudential Rural Opportunities Fund (Direct) | Kotak Rural Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +1.70% | −9.71% |
| Standard deviation | 12.43% | 16.18% |
| Sharpe ratio | -0.31 | -0.92 |
| Sortino ratio | -0.42 | -1.23 |
| Maximum drawdown | −14.4% (30-03-2026) | −15.5% (23-10-2026) |
| Beta | 0.84 | 0.98 |
| Alpha | −1.31% | +2.24% |
From daily NAVs, 29-01-2025 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.
ICICI Prudential Rural Opportunities Fund (Direct)
Kotak Rural Opportunities Fund (Direct)
Nifty Rural TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| ICICI Prudential Rural Opportunities Fund (Direct) | −14.4% | 06-01-2026 | 30-03-2026 | Not yet | -- | −13.2% |
| Kotak Rural Opportunities Fund (Direct) | −15.5% | 18-02-2026 | 23-10-2026 | Not yet | -- | −13.8% |
| Nifty Rural TRI | −15.1% | 18-02-2026 | 23-10-2026 | Not yet | -- | −13.4% |
From daily values since 04-12-2025, the first day every fund has.
ICICI Prudential Rural Opportunities vs Kotak Rural Opportunities: Portfolio Overlap
From each fund's latest monthly portfolio: ICICI Prudential Rural Opportunities Fund, September 2026; Kotak Rural Opportunities Fund, September 2026
Holdings in common
- Overlap
- 42.2%
- Held by both
- 19
- Only in ICICI Prudential Rural Opportunities
- 28
- Only in Kotak Rural Opportunities
- 25
| Security | % of ICICI Prudential Rural Opportunities | % of Kotak Rural Opportunities |
|---|---|---|
| Bharti Airtel Ltd. | 6.95% | 9.31% |
| Mahindra & Mahindra Ltd. | 6.29% | 8.34% |
| State Bank Of India | 5.97% | 9.49% |
| Britannia Industries Ltd. | 3.45% | 3.14% |
| Ultratech Cement Ltd. | 5.00% | 3.10% |
| TVS Motor Company Ltd. | 2.89% | 4.35% |
| Cholamandalam Investment And Finance Company Ltd. | 2.46% | 2.52% |
| Hindustan Unilever Ltd. | 7.50% | 1.66% |
| SBI Life Insurance Company Ltd. | 1.47% | 2.16% |
| Bajaj Auto Ltd. | 1.82% | 1.38% |
| Ashok Leyland Ltd. | 1.34% | 1.63% |
| Emami Ltd. | 1.17% | 3.94% |
| ICICI Bank Ltd. | 1.13% | 1.12% |
| Maruti Suzuki India Ltd. | 2.86% | 1.06% |
| Blue Star Ltd. | 1.13% | 0.70% |
| Avanti Feeds Ltd. | 0.67% | 3.25% |
| Crompton Greaves Consumer Electricals Ltd. | 0.38% | 0.52% |
| Coromandel International Ltd. | 1.02% | 0.37% |
| Bajaj Finance Ltd. | 0.05% | 3.05% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 42.2% means 42.2% 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 ICICI Prudential Rural Opportunities Fund
| Security | % of fund |
|---|---|
| HDFC Bank Ltd. | 7.80% |
| Life Insurance Corporation of India | 7.32% |
| Colgate - Palmolive (India) Ltd. | 2.69% |
| Hyundai Motor India Ltd. | 2.40% |
| Havells India Ltd. | 2.40% |
Largest holdings only in Kotak Rural Opportunities Fund
| Security | % of fund |
|---|---|
| SHRIRAM FINANCE LIMITED | 3.66% |
| V.S.T Tillers Tractors Ltd | 2.99% |
| Indus Towers Ltd. | 2.37% |
| NTPC LTD | 2.28% |
| Eicher Motors Ltd. | 2.22% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | ICICI Prudential Rural Opportunities | Kotak Rural Opportunities |
|---|---|---|
| Equity | 96.7% | 98.4% |
| Debt | 0.0% | 0.0% |
| Cash and others | 3.3% | 1.6% |
Market cap of stocks
| Market cap | ICICI Prudential Rural Opportunities | Kotak Rural Opportunities |
|---|---|---|
| Large Cap | 73.2% | 65.9% |
| Mid Cap | 15.1% | 10.6% |
| Small Cap | 8.0% | 17.5% |
| Not on AMFI's list | 0.5% | 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 | ICICI Prudential Rural Opportunities | Kotak Rural Opportunities |
|---|---|---|
| Automobiles | 16.3% | 17.4% |
| Banks | 15.2% | 11.3% |
| Finance | 5.5% | 13.2% |
| Telecom - Services | 7.0% | 11.7% |
| Insurance | 10.8% | 2.2% |
| Diversified Fmcg | 9.3% | 0.0% |
| Food Products | 4.9% | 7.7% |
| Personal Products | 7.3% | 3.9% |
| Agricultural, Commercial and Construction Vehicles | 0.0% | 4.6% |
The six largest sectors of each fund's stocks, % of the fund.
ICICI Prudential Rural Opportunities vs Kotak Rural Opportunities: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | ICICI Prudential Rural Opportunities Fund | Kotak Rural Opportunities Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.25% | 0.92% |
| Base expense ratio (Direct) | 0.88% | 0.73% |
| Total expense ratio (Regular) | 2.26% | 2.48% |
| Base expense ratio (Regular) | 1.78% | 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
ICICI Prudential Rural Opportunities Fund vs Kotak Rural Opportunities Fund: Frequently Asked Questions
What is the difference between ICICI Prudential Rural Opportunities Fund and Kotak Rural Opportunities Fund?
ICICI Prudential Rural Opportunities Fund is a Thematic fund, Kotak Rural Opportunities Fund is a Thematic fund, run by ICICI Prudential Mutual Fund and Kotak Mahindra Mutual Fund. Their portfolios overlap 42.2%. ICICI Prudential Rural Opportunities Fund charges 1.25% a year and Kotak Rural Opportunities Fund 0.92%.
Which has the lower expense ratio, ICICI Prudential Rural Opportunities Fund or Kotak Rural Opportunities Fund?
Kotak Rural Opportunities Fund charges less: 0.92% a year against 1.25%. These are the Direct plans' total expense ratios reported to AMFI.
How much do ICICI Prudential Rural Opportunities Fund and Kotak Rural Opportunities Fund overlap?
42.2%. They hold 19 of the same securities, the largest shared ones being BHARTIARTL, M&M, SBIN. From each fund's latest monthly portfolio.
Can I invest in both ICICI Prudential Rural Opportunities Fund and Kotak Rural Opportunities Fund?
Yes. 42.2% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages ICICI Prudential Rural Opportunities Fund and Kotak Rural Opportunities Fund?
ICICI Prudential Rural Opportunities Fund: Priyanka Khandelwal. Kotak Rural Opportunities Fund: Arjun Khanna, Abhishek Bisen.
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.