Kotak Rural Opportunities Fund
Direct · GrowthAI Summary
Kotak Rural Opportunities Fund has delivered a negative lump-sum CAGR of -0.5% over 1 year versus -7.76% for the NIFTY 50, generating a positive alpha of 7.77% over the benchmark. However, SIP XIRR data is not available, limiting like-for-like comparison with the category average SIP XIRR of 14.1% (1Y) and 16.82% (3Y). Calendar year returns have been modest, with 2.0% in 2025 and -2.39% in 2026.
The fund shows a beta of 1.04 with a favorable asymmetry profile: upside capture of 102.46% versus downside capture of 90.79%, meaning it participates more in rallies than in declines. The maximum drawdown of -0.14% with a 40-day duration is exceptionally shallow, though one drawdown event exceeding 10% has occurred historically. The consistent positive alpha across all time horizons (7.77% at 1Y declining to 0.76% at 15Y) indicates persistent risk-adjusted outperformance versus the NIFTY 50.
Detailed holdings and sector allocation data are not available for this fund. As a rural-themed sectoral fund, its portfolio is concentrated in companies benefiting from rural demand, which inherently limits diversification compared to diversified equity funds. Investors should review the current factsheet for exposure details before investing.
Direct XIRR comparison with category peers is not possible as the fund's SIP XIRR is unavailable, though the category averages of 14.1% to 16.95% across horizons set a high bar for sectoral funds. The fund's consistent positive alpha versus NIFTY 50 across 1Y to 15Y windows suggests genuine benchmark-relative skill. Its lump-sum CAGRs remain slightly negative, indicating absolute returns have been weak even as relative performance held up.
This fund suits investors with high risk tolerance seeking thematic exposure to the rural consumption story as a satellite holding, not a core portfolio allocation. A horizon of at least 5 to 7 years is advisable given the cyclicality of rural demand and the fund's negative absolute CAGRs over measured periods. Investors should be comfortable with concentration risk typical of sectoral and thematic funds.
- Consistent positive alpha versus NIFTY 50 across all time horizons, from 7.77% at 1Y to 0.76% at 15Y
- Favorable capture asymmetry with 102.46% upside capture against only 90.79% downside capture
- Low expense ratio of 0.71% for a thematic fund in the direct plan
- Negative lump-sum CAGRs across all periods (e.g., -0.5% at 1Y vs -7.76% benchmark), indicating weak absolute returns
- Thematic concentration in the rural theme creates cyclicality and limits diversification compared to diversified equity funds
- Missing SIP XIRR and rolling return data prevents full evaluation against category averages of 14.1% to 16.95%
Generated on 05-09-2026, 3:02 AM. Verify before investing.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
Not enough data to compute SIP returns.
Not enough data to compute rolling returns.
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +7.77 | 1.04 | 102.5% | 90.8% | -0.5% | -7.8% |
| 3 Years | +2.82 | 1.04 | 102.5% | 90.8% | -0.2% | -2.7% |
| 5 Years | +1.79 | 1.04 | 102.5% | 90.8% | -0.1% | -1.6% |
| 7 Years | +1.35 | 1.04 | 102.5% | 90.8% | -0.1% | -1.1% |
| 10 Years | +1.01 | 1.04 | 102.5% | 90.8% | -0.1% | -0.8% |
| 12 Years | +0.89 | 1.04 | 102.5% | 90.8% | -0.0% | -0.7% |
| 15 Years | +0.76 | 1.04 | 102.5% | 90.8% | -0.0% | -0.5% |