Khara-Kutul (Russian: Хара-Кутул; Buryat: Хара Хγтэл, Khara Khütel) is a rural locality (a settlement) in Zaigrayevsky District, Republic of Buryatia, Russia.

Khara-Kutul is located 19 km northeast of Zaigrayevo (the district's administrative centre) by road.

Tarbagatay is the nearest rural locality.

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