Kotak Rural Opportunities Fund vs SBI Nifty Consumption ETF
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
Kotak Rural Opportunities Fund is a Thematic fund and SBI Nifty Consumption ETF is a mutual fund. Kotak Rural Opportunities Fund charges 0.92% a year and SBI Nifty Consumption ETF 0.32%. Their portfolios overlap 30.1%: they hold 9 of the same securities.
Which is better, Kotak Rural Opportunities or SBI Nifty Consumption ETF? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Nifty Consumption ETF costs less: 0.32% a year against 0.92%.
- Kotak Rural Opportunities fell less in its worst fall since 04-12-2025: −15.5% against −16.5%.
- SBI Nifty Consumption ETF holds more in large companies: 88.1% of the fund in large caps against 65.9%.
- Kotak Rural Opportunities is the larger fund: ₹708 Cr against ₹20 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 | SBI Nifty Consumption ETF |
|---|---|---|
| Fund house | Kotak Mahindra Mutual Fund | SBI Mutual Fund |
| Category | Thematic | Not available |
| AUM | ₹708 Cr (30-09-2026) | ₹20 Cr (30-09-2026) |
| NAV | ₹9.14 (Direct) | ₹114.62 (Regular) |
| Expense ratio (Direct) | 0.92% | Not available |
| Expense ratio (Regular) | 2.48% | 0.32% |
| 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 SBI Nifty Consumption ETF: 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% | -- | -- | -- | -- |
| SBI Nifty Consumption ETF (Regular) | +0.14% | −8.17% | −2.39% | −10.83% | +10.68% | +10.21% | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Kotak Rural Opportunities vs SBI Nifty Consumption ETF: Year-wise Returns
| Year | Kotak Rural OpportunitiesKotak Rural Opportunities | SBI Nifty Consumption ETFSBI Nifty Consumption ETF |
|---|---|---|
| 2026to date | −10.60% | −9.31% |
| 2025 | -- | +8.89% |
| 2024 | -- | +19.36% |
| 2023 | -- | +27.51% |
| 2022 | -- | +8.09% |
Kotak Rural Opportunities vs SBI Nifty Consumption ETF: Rolling Returns
Every holding period of both funds, against Nifty Rural TRI, the benchmark of Kotak Rural Opportunities Fund
Kotak Rural Opportunities vs SBI Nifty Consumption ETF: 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) | SBI Nifty Consumption ETF (Regular) |
|---|---|---|
| Return (CAGR) | −9.71% | +11.70% |
| Standard deviation | 16.18% | 13.88% |
| Sharpe ratio | -0.92 | 0.43 |
| Sortino ratio | -1.23 | 0.61 |
| Maximum drawdown | −15.5% (23-10-2026) | −22.0% (04-03-2025) |
| Beta | 0.98 | 1.00 |
| Alpha | +2.24% | −0.37% |
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)
SBI Nifty Consumption ETF (Regular)
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% |
| SBI Nifty Consumption ETF (Regular) | −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 SBI Nifty Consumption ETF: Portfolio Overlap
From each fund's latest monthly portfolio: Kotak Rural Opportunities Fund, September 2026; SBI Nifty Consumption ETF, September 2026
Holdings in common
- Overlap
- 30.1%
- Held by both
- 9
- Only in Kotak Rural Opportunities
- 35
- Only in SBI Nifty Consumption ETF
- 21
| Security | % of Kotak Rural Opportunities | % of SBI Nifty Consumption ETF |
|---|---|---|
| BHARTI AIRTEL LTD. | 9.31% | 10.14% |
| 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% | 3.69% |
| 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 SBI Nifty Consumption ETF
| Security | % of fund |
|---|---|
| ITC Ltd. | 7.87% |
| Eternal Ltd. | 7.21% |
| Titan Company Ltd. | 5.89% |
| Interglobe Aviation Ltd. | 3.51% |
| Asian Paints Ltd. | 3.37% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Kotak Rural Opportunities | SBI Nifty Consumption ETF |
|---|---|---|
| Equity | 98.4% | 100.0% |
| Debt | 0.0% | 0.0% |
| Cash and others | 1.6% | 0.0% |
Market cap of stocks
| Market cap | Kotak Rural Opportunities | SBI Nifty Consumption ETF |
|---|---|---|
| Large Cap | 65.9% | 88.1% |
| 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 | SBI Nifty Consumption ETF |
|---|---|---|
| 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 SBI Nifty Consumption ETF: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Kotak Rural Opportunities Fund | SBI Nifty Consumption ETF |
|---|---|---|
| Total expense ratio (Direct) | 0.92% | Not available |
| Base expense ratio (Direct) | 0.73% | 0.00% |
| Total expense ratio (Regular) | 2.48% | 0.32% |
| Base expense ratio (Regular) | 2.04% | 0.25% |
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 SBI Nifty Consumption ETF: Frequently Asked Questions
What is the difference between Kotak Rural Opportunities Fund and SBI Nifty Consumption ETF?
Kotak Rural Opportunities Fund is a Thematic fund, SBI Nifty Consumption ETF is a mutual fund, run by Kotak Mahindra Mutual Fund and SBI Mutual Fund. Their portfolios overlap 30.1%. Kotak Rural Opportunities Fund charges 0.92% a year and SBI Nifty Consumption ETF 0.32%.
Which has the lower expense ratio, Kotak Rural Opportunities Fund or SBI Nifty Consumption ETF?
SBI Nifty Consumption ETF charges less: 0.32% a year against 0.92%. These are the total expense ratios reported to AMFI.
How much do Kotak Rural Opportunities Fund and SBI Nifty Consumption ETF 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 SBI Nifty Consumption ETF?
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.