Kotak Rural Opportunities Fund
Direct · GrowthAI Summary
Kotak Rural Opportunities Fund has consistently outperformed the NIFTY 50 across all measured periods, with positive alpha ranging from 4.58% over 1 year to 0.47% over 15 years. However, lump-sum CAGRs remain negative across all windows (e.g., -7.99% over 1Y and -0.55% over 15Y), indicating the fund has trailed in absolute terms during a prolonged weak stretch. SIP XIRR data is not available, so direct comparison to the category's SIP XIRR averages (10.7% to 17.47%) cannot be made.
The fund shows a Beta of 1.02, moving in line with the market, with a favorable Downside Capture of 93.97% versus an Upside Capture of 99.4%, meaning it loses less in declines but also participates slightly less in rallies. The maximum drawdown of -0.145% with a 232-day duration and no recorded recovery suggests a prolonged, shallow drawdown period rather than a sharp crash. Alpha remains positive at every horizon, indicating modest risk-adjusted outperformance versus the benchmark.
Holdings-level portfolio data is not available for this fund, so specific top holdings and sector weights cannot be assessed. As a sectoral/thematic fund focused on rural opportunities, it is inherently concentrated in rural-linked themes such as agriculture, FMCG, and rural finance. Investors should review the fund's latest factsheet for current sector concentration details.
Within the sectoral/thematic category, the fund's consistent positive alpha versus NIFTY 50 across 1Y to 15Y windows suggests steady relative discipline, though absolute returns have been negative. Calendar year returns show weakness, with -9.74% in 2026 and only 2.0% in 2025, indicating the rural theme has been out of favor recently. Without SIP XIRR data, the fund cannot be ranked against category peers on the primary investor return metric.
This fund suits investors with high risk tolerance and a long time horizon of 7 to 10+ years, given the negative absolute CAGRs and the cyclical nature of the rural theme. It should be treated as a satellite allocation, typically 5-10% of an equity portfolio, rather than a core holding. Investors should be comfortable with extended periods of underperformance, as evidenced by the 232-day drawdown duration without recovery.
- Positive alpha versus NIFTY 50 across every measured horizon, from 4.58% (1Y) to 0.47% (15Y)
- Favorable downside protection with a Downside Capture of 93.97% versus Upside Capture of 99.4%
- Competitive expense ratio of 0.71% for a direct-plan thematic fund
- Negative lump-sum CAGR across all windows, including -7.99% over 1Y and -0.55% over 15Y, signaling prolonged absolute underperformance
- Maximum drawdown of 232 days with no recorded recovery, indicating an extended period of losses for lump-sum investors
Generated on 20-10-2026, 3:07 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 | +4.97 | 1.02 | 99.5% | 93.5% | -8.0% | -12.6% |
| 3 Years | +1.86 | 1.02 | 99.5% | 93.5% | -2.7% | -4.4% |
| 5 Years | +1.18 | 1.02 | 99.5% | 93.5% | -1.6% | -2.7% |
| 7 Years | +0.87 | 1.02 | 99.5% | 93.5% | -1.2% | -1.9% |
| 10 Years | +0.65 | 1.02 | 99.5% | 93.5% | -0.8% | -1.3% |
| 12 Years | +0.57 | 1.02 | 99.5% | 93.5% | -0.7% | -1.1% |
| 15 Years | +0.48 | 1.02 | 99.5% | 93.5% | -0.6% | -0.9% |