Kotak Rural Opportunities Fund
ThematicVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹9.36+0.25%1 day
- Return since launch
- -6.6%
- 52-week range
- ₹9.04 — ₹10.56
- AUM
- ₹758 Cr
Kotak Rural Opportunities Fund is a Thematic equity fund from Kotak Mahindra Mutual Fund with ₹758 Cr under management, launched in 2025. The expense ratio is 2.46% and the SEBI riskometer reading is Very High.
Performance
Kotak Rural Opportunities Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned -6.6% against -5.7% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -4.7% | −0.7 pts | -4.0% | -3.5% |
| 3M | -1.1% | −1.4 pts | 0.4% | -0.9% |
| 6M | 0.8% | −13.5 pts | 14.3% | 10.5% |
Since launch (6 Nov 2025): -6.6%
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.48%
Expense ratio as on 22 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.04%
- Brokerage
- 0.02%
- Transaction charges
- 0.00%
- Statutory levies
- 0.42%
- Exit load
- Exit load of 0.5%, if redeemed within 90 Days.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- Nifty Rural TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
Portfolio
Kotak Rural Opportunities Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity97.9%
- Other2.1%
Market cap split
- Large71.0%
- Mid12.4%
- Small16.6%
- P/E
- 23.47
- P/B
- 3.56
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| State Bank of India | Financial | 10.21% | ₹77.38 Cr | +8.85% | +9.86% | — |
| Bharti Airtel Ltd. | Communication | 9.56% | ₹72.48 Cr | +9.20% | +8.45% | — |
| Mahindra & Mahindra Ltd. | Automobile | 8.66% | ₹65.64 Cr | +7.66% | +7.64% | — |
| TVS Motor Company Ltd. | Automobile | 4.29% | ₹32.56 Cr | +3.16% | +3.26% | — |
| Shriram Finance Ltd | Financial | 3.86% | ₹29.23 Cr | +3.14% | +3.20% | — |
| Emami Ltd. | Consumer Staples | 3.53% | ₹26.75 Cr | +3.69% | +3.69% | — |
| Avanti Feeds Ltd. | Consumer Staples | 3.37% | ₹25.57 Cr | +4.58% | +4.36% | — |
| Britannia Industries Ltd. | Consumer Staples | 3.19% | ₹24.15 Cr | +3.01% | +3.10% | — |
| Bajaj Finance Ltd. | Financial | 3.14% | ₹23.78 Cr | +2.57% | +2.52% | — |
| Ultratech Cement Ltd. | Materials | 3.02% | ₹22.90 Cr | +2.89% | +2.71% | — |
| V.S.T. Tillers Tractors Ltd. | Automobile | 2.77% | ₹21.01 Cr | +2.77% | +2.85% | — |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 2.70% | ₹20.43 Cr | +2.13% | +2.14% | — |
| MRF Ltd. | Automobile | 2.65% | ₹20.06 Cr | +2.79% | +2.85% | — |
| Eicher Motors Ltd. | Automobile | 2.31% | ₹17.50 Cr | +1.99% | +1.89% | — |
| Indus Towers Ltd. | Communication | 2.31% | ₹17.50 Cr | +2.50% | +2.30% | — |
| NTPC Ltd. | Energy | 2.16% | ₹16.37 Cr | +3.16% | +2.79% | — |
| Others | Others | 2.10% | ₹16.19 Cr | -0.66% | -0.30% | — |
| SBI Life Insurance Company Ltd. | Insurance | 2.07% | ₹15.66 Cr | +2.07% | +2.06% | — |
| Marico Ltd. | Consumer Staples | 1.95% | ₹14.76 Cr | +1.86% | +1.60% | — |
| Hindustan Unilever Ltd. | Consumer Staples | 1.62% | ₹12.30 Cr | +1.69% | +1.64% | — |
| Poonawalla Fincorp Ltd. | Financial | 1.59% | ₹12.06 Cr | +1.30% | +0.20% | — |
| Sansera Engineering Ltd. | Automobile | 1.59% | ₹12.05 Cr | +1.26% | +0.92% | — |
| Bajaj Auto Ltd. | Automobile | 1.48% | ₹11.22 Cr | +1.42% | +1.21% | — |
| Tata Power Company Ltd. | Energy | 1.37% | ₹10.41 Cr | +1.90% | +1.53% | — |
| company:20835 | Capital Goods | 1.32% | ₹9.99 Cr | — | — | — |
| Cummins India Ltd. | Capital Goods | 1.31% | ₹9.95 Cr | +1.44% | +1.07% | — |
| Mahindra & Mahindra Financial Services Ltd. | Financial | 1.23% | ₹9.33 Cr | +0.95% | +1.05% | — |
| Godrej Consumer Products Ltd. | Consumer Staples | 1.19% | ₹9.01 Cr | +1.97% | +2.09% | — |
| Muthoot Finance Ltd. | Financial | 1.18% | ₹8.91 Cr | +1.89% | +1.70% | — |
| ICICI Bank Ltd. | Financial | 1.15% | ₹8.72 Cr | — | — | — |
| Godrej Agrovet Ltd. | Consumer Staples | 1.14% | ₹8.61 Cr | +1.01% | +0.52% | — |
| Maruti Suzuki India Ltd. | Automobile | 1.12% | ₹8.47 Cr | +0.99% | +1.00% | — |
| Ashok Leyland Ltd. | Automobile | 1.10% | ₹8.34 Cr | +0.88% | +1.07% | — |
| SRF Ltd. | Chemicals | 1.01% | ₹7.68 Cr | +0.85% | +0.67% | — |
| Time Technoplast Ltd. | Materials | 0.93% | ₹7.02 Cr | — | — | — |
| Jubilant Ingrevia Ltd. | Chemicals | 0.89% | ₹6.75 Cr | +0.53% | +0.39% | — |
| Indian Bank | Financial | 0.71% | ₹5.39 Cr | +0.63% | +0.67% | — |
| NHPC Ltd. | Energy | 0.71% | ₹5.37 Cr | +0.99% | +0.85% | — |
| Mayur Uniquoters Ltd. | Textiles | 0.67% | ₹5.06 Cr | +0.64% | +0.40% | — |
| Blue Star Ltd. | Consumer Discretionary | 0.63% | ₹4.76 Cr | +0.65% | +0.71% | — |
| Dalmia Bharat Ltd. | Materials | 0.59% | ₹4.48 Cr | +1.35% | +1.96% | — |
| Kross Ltd. | Automobile | 0.58% | ₹4.36 Cr | +0.43% | +0.38% | — |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | 0.54% | ₹4.13 Cr | +0.62% | +0.51% | — |
| Coromandel International Ltd. | Chemicals | 0.50% | ₹3.81 Cr | +0.44% | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| ITC Ltd. | 1.56% | 0.00% | -1.56% |
| company:20835 | 0.00% | 1.32% | +1.32% |
| State Bank of India | 9.29% | 10.21% | +0.92% |
| Asian Paints Ltd. | 0.85% | 0.00% | -0.85% |
| Godrej Consumer Products Ltd. | 2.02% | 1.19% | -0.83% |
| Dalmia Bharat Ltd. | 1.37% | 0.59% | -0.78% |
| NTPC Ltd. | 2.80% | 2.16% | -0.64% |
| Others | 0.24% | 0.83% | +0.59% |
| Shriram Finance Ltd | 3.42% | 3.86% | +0.44% |
| Sansera Engineering Ltd. | 1.24% | 1.59% | +0.35% |
| Vedanta Aluminium Metal Ltd. | 0.34% | 0.00% | -0.34% |
| Tata Power Company Ltd. | 1.70% | 1.37% | -0.33% |
| Grasim Industries Ltd. | 0.29% | 0.00% | -0.29% |
| TVS Motor Company Ltd. | 4.01% | 4.29% | +0.28% |
| Mahindra & Mahindra Ltd. | 8.42% | 8.66% | +0.24% |
| Bharti Airtel Ltd. | 9.78% | 9.56% | -0.22% |
| Cholamandalam Investment and Finance Company Ltd. | 2.52% | 2.70% | +0.18% |
| MRF Ltd. | 2.47% | 2.65% | +0.18% |
| Ashok Leyland Ltd. | 0.93% | 1.10% | +0.17% |
| Eicher Motors Ltd. | 2.14% | 2.31% | +0.17% |
| Godrej Agrovet Ltd. | 0.97% | 1.14% | +0.17% |
| Bajaj Auto Ltd. | 1.32% | 1.48% | +0.16% |
| Kross Ltd. | 0.44% | 0.58% | +0.14% |
| Indus Towers Ltd. | 2.18% | 2.31% | +0.13% |
| V.S.T. Tillers Tractors Ltd. | 2.66% | 2.77% | +0.11% |
| Britannia Industries Ltd. | 3.09% | 3.19% | +0.10% |
| Emami Ltd. | 3.63% | 3.53% | -0.10% |
| Poonawalla Fincorp Ltd. | 1.49% | 1.59% | +0.10% |
| Indian Bank | 0.62% | 0.71% | +0.09% |
| ICICI Bank Ltd. | 1.07% | 1.15% | +0.08% |
| Ultratech Cement Ltd. | 2.95% | 3.02% | +0.07% |
| Blue Star Ltd. | 0.68% | 0.63% | -0.05% |
| Bajaj Finance Ltd. | 3.18% | 3.14% | -0.04% |
| Mayur Uniquoters Ltd. | 0.63% | 0.67% | +0.04% |
| SRF Ltd. | 0.97% | 1.01% | +0.04% |
| SBI Life Insurance Company Ltd. | 2.10% | 2.07% | -0.03% |
| Mahindra & Mahindra Financial Services Ltd. | 1.20% | 1.23% | +0.03% |
| Time Technoplast Ltd. | 0.90% | 0.93% | +0.03% |
| NHPC Ltd. | 0.68% | 0.71% | +0.03% |
| Crompton Greaves Consumer Electricals Ltd. | 0.56% | 0.54% | -0.02% |
| Cummins India Ltd. | 1.33% | 1.31% | -0.02% |
| Jubilant Ingrevia Ltd. | 0.91% | 0.89% | -0.02% |
| Maruti Suzuki India Ltd. | 1.10% | 1.12% | +0.02% |
| Muthoot Finance Ltd. | 1.16% | 1.18% | +0.02% |
| Coromandel International Ltd. | 0.51% | 0.50% | -0.01% |
| Marico Ltd. | 1.94% | 1.95% | +0.01% |
| Hindustan Unilever Ltd. | 1.63% | 1.62% | -0.01% |
| India Shelter Finance Corporation Ltd. | 0.00% | 0.00% | 0.00% |
| Avanti Feeds Ltd. | 3.37% | 3.37% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹3,954 Cr | 2.14% | 17.1% | 14.2% | 14.2% |
 HDFC Defence Fund | ₹11,478 Cr | 1.79% | 34.5% | 26.7% | — |
 ICICI Prudential Commodities Fund | ₹4,277 Cr | 1.96% | 6.2% | 10.4% | 14.6% |
| ICICI Prudential Exports and Services Fund | ₹1,549 Cr | 2.30% | 1.2% | 6.5% | 12.4% |
 SBI Comma Fund | ₹1,237 Cr | 2.28% | 7.8% | 10.1% | 13.0% |
 Edelweiss Recently Listed IPO Fund | ₹1,230 Cr | 2.36% | 35.9% | 17.3% | 16.6% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in Rural & allied theme.
Fund managers
- Abhishek BisenMr. Bisen is a BA and MBA in Finance.Prior to joining Kotak AMC, he was working with Securities Trading Corporation Of India Ltd where he was looking at Sales & Trading of Fixed Income Products apart from doing Portfolio Advisory. His earlier assignments also include 2 years of merchant banking experience with a leading merchant banking firm.
- Arjun KhannaMr. Khanna has done CFA, FRM, MMS(Finance) & B.E (Electronics)Prior to joining Kotak Mahindra Mutual Fund, he was with Principal Mutual Fund and has also worked with Citibank.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months0.79% absolute | ₹60,000 | ₹60,474 | 0.79% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Kotak Rural Opportunities Fund?
The NAV of Kotak Rural Opportunities Fund is ₹9.36 as on 25 Sep 2026.
What is the expense ratio of Kotak Rural Opportunities Fund?
The expense ratio of Kotak Rural Opportunities Fund is 2.46% per year.
What is the minimum SIP amount for Kotak Rural Opportunities Fund?
You can start a SIP in Kotak Rural Opportunities Fund with ₹3,000 a month.
Is there a lock-in or exit load on Kotak Rural Opportunities Fund?
Lock-in: None. Exit load: Exit load of 0.5%, if redeemed within 90 Days..
How risky is Kotak Rural Opportunities Fund?
Kotak Rural Opportunities Fund is rated Very High on the SEBI riskometer and belongs to the Thematic category.
Which fund house manages Kotak Rural Opportunities Fund?
Kotak Rural Opportunities Fund is managed by Kotak Mahindra Mutual Fund, which runs 94 schemes with ₹6,09,561 Cr under management.