Kotak Rural Opportunities Fund vs Nippon India ETF Nifty India Consumption
Direct Plan, Growth option · Data as on 30-10-2026
Kotak Rural Opportunities Fund is a Thematic fund and Nippon India ETF Nifty India Consumption is a mutual fund. Kotak Rural Opportunities Fund charges 0.92% a year and Nippon India ETF Nifty India Consumption 0.33% (Direct plans). Their portfolios overlap 30.1%: they hold 9 of the same securities.
Nippon India ETF Nifty India Consumption
- Expense ratio
- 0.33%
- NAV
- ₹123.68
Which is better, Kotak Rural Opportunities or Nippon India ETF Nifty India Consumption? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Nippon India ETF Nifty India Consumption costs less: 0.33% a year against 0.92% (Direct plans).
- Kotak Rural Opportunities fell less in its worst fall since 04-12-2025: −15.5% against −16.5%.
- Nippon India ETF Nifty India Consumption holds more in large companies: 88.0% of the fund in large caps against 65.9%.
- Kotak Rural Opportunities is the larger fund: ₹708 Cr against ₹186 Cr.
- Their portfolios overlap 30.1%: 9 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 | Kotak Rural Opportunities Fund | Nippon India ETF Nifty India Consumption |
|---|---|---|
| Fund house | Kotak Mahindra Mutual Fund | Nippon India Mutual Fund |
| Category | Thematic | Not available |
| AUM | ₹708 Cr (30-09-2026) | ₹186 Cr (30-09-2026) |
| NAV | ₹9.14 (Direct) | ₹123.68 (Direct) |
| Expense ratio (Direct) | 0.92% | 0.33% |
| Expense ratio (Regular) | 2.48% | Not available |
| Riskometer | Very High | Not available |
| Benchmark | Nifty Rural TRI | Not available |
| Launch date | 27-11-2025 | Not available |
| Minimum investment | ₹1,000 | Not available |
| Lock in | None | Not available |
| Fund managers | Arjun Khanna, Abhishek Bisen | Not available |
| Exit load | Exit load of 0.5%, if redeemed within 90 Days. | Not available |
Kotak Rural Opportunities vs Nippon India ETF Nifty India Consumption: 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 |
|---|---|---|---|---|---|---|---|
| Kotak Rural Opportunities Fund (Direct) | −1.43% | −8.00% | −7.46% | -- | -- | -- | -- |
| Nippon India ETF Nifty India Consumption (Direct) | +0.14% | −8.17% | −2.41% | −10.87% | +10.62% | +10.19% | +12.04% |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Kotak Rural Opportunities vs Nippon India ETF Nifty India Consumption: Year-wise Returns
| Year | Kotak Rural OpportunitiesKotak Rural Opportunities | Nippon India ETF Nifty India ConsumptionNippon India ETF Nifty India Consumption |
|---|---|---|
| 2026to date | −10.60% | −9.34% |
| 2025 | -- | +8.86% |
| 2024 | -- | +19.28% |
| 2023 | -- | +27.43% |
| 2022 | -- | +8.16% |
| 2021 | -- | +20.20% |
Kotak Rural Opportunities vs Nippon India ETF Nifty India Consumption: Rolling Returns
Every holding period of both funds, against Nifty Rural TRI, the benchmark of Kotak Rural Opportunities Fund
Kotak Rural Opportunities vs Nippon India ETF Nifty India Consumption: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Kotak Rural Opportunities Fund (Direct) | Nippon India ETF Nifty India Consumption (Direct) |
|---|---|---|
| Return (CAGR) | −9.71% | +12.96% |
| Standard deviation | 16.18% | 15.01% |
| Sharpe ratio | -0.92 | 0.48 |
| Sortino ratio | -1.23 | 0.67 |
| Maximum drawdown | −15.5% (23-10-2026) | −31.3% (23-03-2020) |
| Beta | 0.98 | -- |
| Alpha | +2.24% | -- |
From daily NAVs, 04-12-2025 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.
Kotak Rural Opportunities Fund (Direct)
Nippon India ETF Nifty India Consumption (Direct)
Nifty Rural TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Kotak Rural Opportunities Fund (Direct) | −15.5% | 18-02-2026 | 23-10-2026 | Not yet | -- | −13.8% |
| Nippon India ETF Nifty India Consumption (Direct) | −16.5% | 05-12-2025 | 31-03-2026 | Not yet | -- | −10.0% |
| 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.
Kotak Rural Opportunities vs Nippon India ETF Nifty India Consumption: Portfolio Overlap
From each fund's latest monthly portfolio: Kotak Rural Opportunities Fund, September 2026; Nippon India ETF Nifty India Consumption, September 2026
Holdings in common
- Overlap
- 30.1%
- Held by both
- 9
- Only in Kotak Rural Opportunities
- 35
- Only in Nippon India ETF Nifty India Consumption
- 21
| Security | % of Kotak Rural Opportunities | % of Nippon India ETF Nifty India Consumption |
|---|---|---|
| BHARTI AIRTEL LTD. | 9.31% | 10.13% |
| Mahindra & Mahindra Ltd. | 8.34% | 8.19% |
| TVS Motor Company Ltd. | 4.35% | 3.00% |
| Eicher Motors Ltd. | 2.22% | 3.06% |
| Britannia Industries Ltd. | 3.14% | 1.77% |
| Hindustan Unilever Ltd. | 1.66% | 5.18% |
| Tata Power Company Ltd. | 1.52% | 1.87% |
| Bajaj Auto Ltd. | 1.38% | 3.68% |
| Maruti Suzuki India Limited | 1.06% | 4.83% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 30.1% means 30.1% 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 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% |
Largest holdings only in Nippon India ETF Nifty India Consumption
| Security | % of fund |
|---|---|
| ITC Limited | 7.87% |
| Eternal Limited | 7.20% |
| Titan Company Limited | 5.89% |
| InterGlobe Aviation Limited | 3.50% |
| Asian Paints Limited | 3.37% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Kotak Rural Opportunities | Nippon India ETF Nifty India Consumption |
|---|---|---|
| Equity | 98.4% | 99.9% |
| Debt | 0.0% | 0.0% |
| Cash and others | 1.6% | 0.1% |
Market cap of stocks
| Market cap | Kotak Rural Opportunities | Nippon India ETF Nifty India Consumption |
|---|---|---|
| Large Cap | 65.9% | 88.0% |
| Mid Cap | 10.6% | 11.9% |
| Small Cap | 17.5% | 0.0% |
| Not on AMFI's list | 4.4% | 0.0% |
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 | Kotak Rural Opportunities | Nippon India ETF Nifty India Consumption |
|---|---|---|
| Automobiles | 17.4% | 24.9% |
| Retailing | 0.0% | 13.3% |
| Finance | 13.2% | 0.0% |
| Diversified FMCG | 1.7% | 13.1% |
| Telecom - Services | 11.7% | 10.1% |
| Banks | 11.3% | 0.0% |
| Consumer Durables | 1.9% | 10.9% |
| Food Products | 7.7% | 4.7% |
| Healthcare Services | 0.0% | 6.0% |
| Agricultural, Commercial and Construction Vehicles | 4.6% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Kotak Rural Opportunities vs Nippon India ETF Nifty India Consumption: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Kotak Rural Opportunities Fund | Nippon India ETF Nifty India Consumption |
|---|---|---|
| Total expense ratio (Direct) | 0.92% | 0.33% |
| Base expense ratio (Direct) | 0.73% | 0.26% |
| Total expense ratio (Regular) | 2.48% | Not available |
| Base expense ratio (Regular) | 2.04% | 0.00% |
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
Compare Kotak Rural Opportunities with
Kotak Rural Opportunities Fund vs Nippon India ETF Nifty India Consumption: Frequently Asked Questions
What is the difference between Kotak Rural Opportunities Fund and Nippon India ETF Nifty India Consumption?
Kotak Rural Opportunities Fund is a Thematic fund, Nippon India ETF Nifty India Consumption is a mutual fund, run by Kotak Mahindra Mutual Fund and Nippon India Mutual Fund. Their portfolios overlap 30.1%. Kotak Rural Opportunities Fund charges 0.92% a year and Nippon India ETF Nifty India Consumption 0.33%.
Which has the lower expense ratio, Kotak Rural Opportunities Fund or Nippon India ETF Nifty India Consumption?
Nippon India ETF Nifty India Consumption charges less: 0.33% a year against 0.92%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Kotak Rural Opportunities Fund and Nippon India ETF Nifty India Consumption overlap?
30.1%. They hold 9 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 Kotak Rural Opportunities Fund and Nippon India ETF Nifty India Consumption?
Yes. 30.1% 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.