8 Best Gold Mutual Funds 2025

Updated on December 9, 2025 , 262599 views

Gold has always been a trusted asset for Indian households — whether as jewellery, coins, or bars — but in recent years, it has also emerged as a core financial asset in investment portfolios.

Why? Because gold has proven to:

Grow with inflation
Act as a hedge during financial crises
Reduce Volatility when stock markets are shaky

In today’s world, you don’t need to buy and store physical gold to benefit from its value. Gold Mutual Funds offer a simple, transparent, and accessible way to invest in gold without the hassles of storage or purity concerns.

Let’s explore why gold funds are popular, how taxation works, the top-performing funds in India, and whether now is the right time to invest.

Why Gold Funds Are Gaining Popularity?

Indians have a deep cultural connection with gold — weddings, festivals, and rituals reinforce this timeless demand. But the shift from physical gold to gold mutual funds is accelerating because of the following advantages:

Minimum investment (SIP starts as low as ₹100)
Portfolio diversification (low correlation with stocks)
No Demat account required
Liquidity (easy buy/sell through fund house)
Professional fund management
Transparent pricing, no storage hassles

How they work:

Gold Mutual Funds invest in Gold ETFs, which in turn hold physical gold bullion.
Unlike buying jewellery or coins, you pay no making charges and don’t worry about security.
Prices are linked to live gold rates, ensuring transparency.

For small-ticket investors, this is one of the most cost-efficient and systematic ways to benefit from gold’s potential.

Taxation on Gold Mutual Funds

Gold Mutual Funds are taxed as non-Equity Funds, meaning their tax rules differ from equity mutual funds:

Short-Term Capital Gains (STCG): If redeemed within 36 months, gains are taxed as per your income tax slab.
Long-Term Capital Gains (LTCG): If held for more than 36 months, gains are taxed at a flat 20% with indexation benefit (updated as per the Finance Act, 2024).

This makes gold funds particularly attractive for long-term investors, as indexation significantly reduces tax liability compared to physical gold.

Fund selection Methodology used to Select 8 Best Gold Funds

Sub-category: Gold
AUM Range: 25 to 100000 Cr
Sorted On : 3-year return (high to low)
Tags: fcpro
No Of Funds: 8
As fund are selection is only for Gold is highly advisable for risk profile which is Medium with Medium term time frames

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Top Performing Gold Funds to Invest in India (2025)

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Regular Gold Savings Fund Growth	₹40.8636 ↑ 0.91	₹3,770	20	34.4	66.8	33.1	20.3	19.5
Kotak Gold Fund Growth	₹50.6768 ↑ 1.21	₹4,540	20.1	34.3	66	32.8	20.1	18.9
IDBI Gold Fund Growth	₹33.987 ↑ 0.49	₹465	18.7	33.1	64.7	32.8	20.2	18.7
SBI Gold Fund Growth	₹38.5995 ↑ 0.88	₹8,457	18.1	32.4	64.6	32.3	19.9	19.6
Aditya Birla Sun Life Gold Fund Growth	₹38.2636 ↑ 0.80	₹1,042	18.1	32.5	63.6	32	19.7	18.7
Axis Gold Fund Growth	₹38.4938 ↑ 0.94	₹1,800	18.2	32.1	63.3	32	19.9	19.2
Nippon India Gold Savings Fund Growth	₹50.5286 ↑ 1.13	₹4,545	18.1	32.4	64.1	32	19.8	19
HDFC Gold Fund Growth	₹39.436 ↑ 0.90	₹7,092	18	32.2	63.6	32	19.8	18.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Dec 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	ICICI Prudential Regular Gold Savings Fund	Kotak Gold Fund	IDBI Gold Fund	SBI Gold Fund	Aditya Birla Sun Life Gold Fund	Axis Gold Fund	Nippon India Gold Savings Fund	HDFC Gold Fund
Point 1	Lower mid AUM (₹3,770 Cr).	Upper mid AUM (₹4,540 Cr).	Bottom quartile AUM (₹465 Cr).	Highest AUM (₹8,457 Cr).	Bottom quartile AUM (₹1,042 Cr).	Lower mid AUM (₹1,800 Cr).	Upper mid AUM (₹4,545 Cr).	Top quartile AUM (₹7,092 Cr).
Point 2	Oldest track record among peers (14 yrs).	Established history (14+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).
Point 3	Rating: 1★ (upper mid).	Rating: 1★ (lower mid).	Not Rated.	Rating: 2★ (top quartile).	Top rated.	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 20.34% (top quartile).	5Y return: 20.13% (upper mid).	5Y return: 20.24% (top quartile).	5Y return: 19.91% (lower mid).	5Y return: 19.71% (bottom quartile).	5Y return: 19.94% (upper mid).	5Y return: 19.75% (bottom quartile).	5Y return: 19.80% (lower mid).
Point 6	3Y return: 33.05% (top quartile).	3Y return: 32.82% (top quartile).	3Y return: 32.75% (upper mid).	3Y return: 32.29% (upper mid).	3Y return: 32.04% (lower mid).	3Y return: 32.02% (lower mid).	3Y return: 31.98% (bottom quartile).	3Y return: 31.96% (bottom quartile).
Point 7	1Y return: 66.78% (top quartile).	1Y return: 66.00% (top quartile).	1Y return: 64.68% (upper mid).	1Y return: 64.58% (upper mid).	1Y return: 63.62% (lower mid).	1Y return: 63.34% (bottom quartile).	1Y return: 64.13% (lower mid).	1Y return: 63.57% (bottom quartile).
Point 8	1M return: 6.71% (top quartile).	1M return: 6.50% (top quartile).	1M return: 5.42% (upper mid).	1M return: 3.65% (lower mid).	1M return: 3.34% (bottom quartile).	1M return: 3.53% (bottom quartile).	1M return: 3.71% (lower mid).	1M return: 3.73% (upper mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 2.38 (bottom quartile).	Sharpe: 2.49 (top quartile).	Sharpe: 2.30 (bottom quartile).	Sharpe: 2.42 (upper mid).	Sharpe: 2.45 (top quartile).	Sharpe: 2.42 (upper mid).	Sharpe: 2.41 (lower mid).	Sharpe: 2.41 (lower mid).

ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹3,770 Cr).
Oldest track record among peers (14 yrs).
Rating: 1★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.34% (top quartile).
3Y return: 33.05% (top quartile).
1Y return: 66.78% (top quartile).
1M return: 6.71% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 2.38 (bottom quartile).

Kotak Gold Fund

Upper mid AUM (₹4,540 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.13% (upper mid).
3Y return: 32.82% (top quartile).
1Y return: 66.00% (top quartile).
1M return: 6.50% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 2.49 (top quartile).

IDBI Gold Fund

Bottom quartile AUM (₹465 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.24% (top quartile).
3Y return: 32.75% (upper mid).
1Y return: 64.68% (upper mid).
1M return: 5.42% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.30 (bottom quartile).

SBI Gold Fund

Highest AUM (₹8,457 Cr).
Established history (14+ yrs).
Rating: 2★ (top quartile).
Risk profile: Moderately High.
5Y return: 19.91% (lower mid).
3Y return: 32.29% (upper mid).
1Y return: 64.58% (upper mid).
1M return: 3.65% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.42 (upper mid).

Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹1,042 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.71% (bottom quartile).
3Y return: 32.04% (lower mid).
1Y return: 63.62% (lower mid).
1M return: 3.34% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.45 (top quartile).

Axis Gold Fund

Lower mid AUM (₹1,800 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.94% (upper mid).
3Y return: 32.02% (lower mid).
1Y return: 63.34% (bottom quartile).
1M return: 3.53% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.42 (upper mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹4,545 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.75% (bottom quartile).
3Y return: 31.98% (bottom quartile).
1Y return: 64.13% (lower mid).
1M return: 3.71% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.41 (lower mid).

HDFC Gold Fund

Top quartile AUM (₹7,092 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.80% (lower mid).
3Y return: 31.96% (bottom quartile).
1Y return: 63.57% (bottom quartile).
1M return: 3.73% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.41 (lower mid).

*Above is list of top Gold Funds having AUM/Net Assets > 25 Crore ordered based on 3 year Calendar year returns.

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 9 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

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MCA CIN: U74999MH2016PTC282153
Location: Thane, Maharashtra, India
Experience: 9+ years in Mutual Fund distribution

Our Expertise

Certified Mutual Fund Distributors with hands-on advisory experience.
Market analysts tracking performance, macro trends, and sectors.
Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
Expert review: Senior team members review every article and list for accuracy.
Updates: Regular refreshes so performance data reflects current market conditions.

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Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

All the funds mentioned above are ideal, we are giving you detailed analysis of 5 funds.

1. ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF). However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹3,770 Cr).
Oldest track record among peers (14 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.34% (top quartile).
3Y return: 33.05% (top quartile).
1Y return: 66.78% (top quartile).
1M return: 6.71% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 2.38 (bottom quartile).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding ICICI Pru Gold ETF (~100.0%).
Top-3 holdings concentration ~101.1%.

Below is the key information for ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund Growth
Launch Date	11 Oct 11
NAV (12 Dec 25)	₹40.8636 ↑ 0.91 (2.28 %)
Net Assets (Cr)	₹3,770 on 31 Oct 25
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	2.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-15 Months (2%),15 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,688
30 Nov 22	₹10,449
30 Nov 23	₹12,281
30 Nov 24	₹14,858
30 Nov 25	₹24,046

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for ICICI Prudential Regular Gold Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Dec 25

Duration	Returns
1 Month	6.7%
3 Month	20%
6 Month	34.4%
1 Year	66.8%
3 Year	33.1%
5 Year	20.3%
10 Year
15 Year
Since launch	10.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	13.5%
2022	12.7%
2021	-5.4%
2020	26.6%
2019	22.7%
2018	7.4%
2017	0.8%
2016	8.9%
2015	-5.1%

Fund Manager information for ICICI Prudential Regular Gold Savings Fund

Name	Since	Tenure
Manish Banthia	27 Sep 12	13.1 Yr.
Nishit Patel	29 Dec 20	4.84 Yr.
Ashwini Bharucha	1 Nov 25	0 Yr.
Venus Ahuja	1 Nov 25	0 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.4%
Other	98.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹3,768 Cr	364,653,102 ↑ 33,144,958
Treps CBLO/Reverse Repo \| -	1%	₹23 Cr
Net Current Assets Net Current Assets \| -	1%	-₹21 Cr

2. Kotak Gold Fund

The investment objective of the scheme is to generate returns by investing in units of Kotak Gold Exchange Traded Fund.

Research Highlights for Kotak Gold Fund

Upper mid AUM (₹4,540 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.13% (lower mid).
3Y return: 32.82% (upper mid).
1Y return: 66.00% (upper mid).
1M return: 6.50% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.49 (top quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~100.0%).
Top-3 holdings concentration ~100.4%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (12 Dec 25)	₹50.6768 ↑ 1.21 (2.44 %)
Net Assets (Cr)	₹4,540 on 31 Oct 25
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	2.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,788
30 Nov 22	₹10,506
30 Nov 23	₹12,325
30 Nov 24	₹14,831
30 Nov 25	₹23,984

Kotak Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Kotak Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Dec 25

Duration	Returns
1 Month	6.5%
3 Month	20.1%
6 Month	34.3%
1 Year	66%
3 Year	32.8%
5 Year	20.1%
10 Year
15 Year
Since launch	11.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.9%
2023	13.9%
2022	11.7%
2021	-4.7%
2020	26.6%
2019	24.1%
2018	7.3%
2017	2.5%
2016	10.2%
2015	-8.4%

Fund Manager information for Kotak Gold Fund

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	14.62 Yr.
Jeetu Sonar	1 Oct 22	3.09 Yr.

Data below for Kotak Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.51%
Other	98.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹4,540 Cr	450,546,713 ↑ 18,692,026
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹10 Cr
Triparty Repo CBLO/Reverse Repo \| -	0%	₹9 Cr

3. IDBI Gold Fund

The investment objective of the Scheme will be to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund (IDBI GOLD ETF).

Research Highlights for IDBI Gold Fund

Bottom quartile AUM (₹465 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.24% (upper mid).
3Y return: 32.75% (lower mid).
1Y return: 64.68% (lower mid).
1M return: 5.42% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.30 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding LIC MF Gold ETF (~100.5%).
Top-3 holdings concentration ~102.0%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund Growth
Launch Date	14 Aug 12
NAV (12 Dec 25)	₹33.987 ↑ 0.49 (1.46 %)
Net Assets (Cr)	₹465 on 31 Oct 25
Category	Gold - Gold
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.64
Sharpe Ratio	2.3
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,703
30 Nov 22	₹10,588
30 Nov 23	₹12,417
30 Nov 24	₹14,975
30 Nov 25	₹24,232

IDBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for IDBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Dec 25

Duration	Returns
1 Month	5.4%
3 Month	18.7%
6 Month	33.1%
1 Year	64.7%
3 Year	32.8%
5 Year	20.2%
10 Year
15 Year
Since launch	9.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.7%
2023	14.8%
2022	12%
2021	-4%
2020	24.2%
2019	21.6%
2018	5.8%
2017	1.4%
2016	8.3%
2015	-8.7%

Fund Manager information for IDBI Gold Fund

Name	Since	Tenure
Sumit Bhatnagar	1 Jun 24	1.42 Yr.

Data below for IDBI Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.22%
Other	98.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC MF Gold ETF - \| -	101%	₹467 Cr	430,952 ↑ 77,308
Net Receivables / (Payables) CBLO \| -	1%	-₹5 Cr
Treps CBLO/Reverse Repo \| -	1%	₹2 Cr

4. SBI Gold Fund

The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS).

Research Highlights for SBI Gold Fund

Highest AUM (₹8,457 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.91% (bottom quartile).
3Y return: 32.29% (bottom quartile).
1Y return: 64.58% (bottom quartile).
1M return: 3.65% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.42 (lower mid).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.2%).
Top-3 holdings concentration ~102.1%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (12 Dec 25)	₹38.5995 ↑ 0.88 (2.34 %)
Net Assets (Cr)	₹8,457 on 31 Oct 25
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	2.42
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,698
30 Nov 22	₹10,538
30 Nov 23	₹12,397
30 Nov 24	₹14,960
30 Nov 25	₹24,267

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for SBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Dec 25

Duration	Returns
1 Month	3.6%
3 Month	18.1%
6 Month	32.4%
1 Year	64.6%
3 Year	32.3%
5 Year	19.9%
10 Year
15 Year
Since launch	9.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.6%
2023	14.1%
2022	12.6%
2021	-5.7%
2020	27.4%
2019	22.8%
2018	6.4%
2017	3.5%
2016	10%
2015	-8.1%

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Raviprakash Sharma	12 Sep 11	14.15 Yr.

Data below for SBI Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.29%
Other	98.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹8,472 Cr	820,885,088 ↑ 102,960,417
Net Receivable / Payable CBLO \| -	1%	-₹90 Cr
Treps CBLO/Reverse Repo \| -	1%	₹74 Cr

5. Aditya Birla Sun Life Gold Fund

An Open ended Fund of Funds Scheme with the investment objective to provide returns that tracks returns provided by Birla Sun Life Gold ETF (BSL Gold ETF).

Research Highlights for Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹1,042 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.71% (bottom quartile).
3Y return: 32.04% (bottom quartile).
1Y return: 63.62% (bottom quartile).
1M return: 3.34% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.45 (upper mid).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding Aditya BSL Gold ETF (~100.0%).
Top-3 holdings concentration ~101.5%.

Below is the key information for Aditya Birla Sun Life Gold Fund

Aditya Birla Sun Life Gold Fund Growth
Launch Date	20 Mar 12
NAV (12 Dec 25)	₹38.2636 ↑ 0.80 (2.14 %)
Net Assets (Cr)	₹1,042 on 31 Oct 25
Category	Gold - Gold
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.51
Sharpe Ratio	2.45
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,699
30 Nov 22	₹10,501
30 Nov 23	₹12,347
30 Nov 24	₹14,876
30 Nov 25	₹24,055

Aditya Birla Sun Life Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Aditya Birla Sun Life Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Dec 25

Duration	Returns
1 Month	3.3%
3 Month	18.1%
6 Month	32.5%
1 Year	63.6%
3 Year	32%
5 Year	19.7%
10 Year
15 Year
Since launch	10.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.7%
2023	14.5%
2022	12.3%
2021	-5%
2020	26%
2019	21.3%
2018	6.8%
2017	1.6%
2016	11.5%
2015	-7.2%

Fund Manager information for Aditya Birla Sun Life Gold Fund

Name	Since	Tenure
Priya Sridhar	31 Dec 24	0.83 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.31%
Other	98.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	100%	₹1,042 Cr	98,504,722 ↑ 9,017,896
Net Receivables / (Payables) Net Current Assets \| -	1%	-₹8 Cr
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	1%	₹8 Cr

Top 4 Benefits of Gold Investments

1. Hedge Against Inflation

Gold maintains purchasing power when inflation rises, unlike cash or fixed deposits that lose value.

2. Liquidity

Gold funds can be redeemed quickly through Mutual Fund Houses, making them far more liquid than jewellery or coins.

3. Diversification

Gold prices move differently from stocks and Bonds. In times of equity market stress, gold often provides stability, making it a risk-balancing tool in portfolios.

4. Timeless Asset

Gold has held value for centuries. While returns may not always be explosive, they are steady, making it a safe-haven asset during crises (e.g., COVID-19, 2008 Global Financial Crisis).

Who Should Invest in Gold Mutual Funds?

Gold mutual funds are ideal for:

Investors without a Demat account.
Those who want to start with small amounts (SIP from ₹100).
People looking for diversification against market volatility.
Investors seeking a long-term hedge against inflation.

They are not meant for overnight profits, but for long-term portfolio balance.

How Invest in Gold Funds Online?

Open Free Investment Account for Lifetime at Fincash.com.

Complete your Registration and KYC Process

Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

Get Started

Is It the Right Time to Invest in Gold Mutual Funds in 2025?

Short answer: Yes — but with a strategy.

1. Gold Prices & Market Trends

In 2024, gold touched an all-time high of ₹65,000 per 10g in India.
Demand rose as investors hedged against inflation and global uncertainty.
Historically, gold thrives when stocks or bonds underperform.

2. Dollar-Cost Averaging (DCA) / SIP

The best way to invest is via Systematic Investment plan (SIPs).
Removes the stress of timing the market.
Averages out buying costs across highs and lows.

3. Long-Term Role of Gold

Gold should form 5–15% of a diversified portfolio.
It’s not about short-term gains but wealth protection over decades.

4. Global Economic Environment

Rising US interest rates, oil prices, and geopolitical tensions have increased demand for gold globally.
As the rupee weakens against the dollar, gold gains further value in India.

5. Beware of Cyclicality

After sharp rallies, gold often corrects.
But over 15–20 years, its returns tend to outpace inflation and provide stability.

If you’re worried about market volatility, inflation, or currency risks, gold funds remain a wise allocation.

Conclusion

Gold mutual funds are one of the most effective ways for Indians to invest in gold without storage hassles or large capital requirements. With SIPs starting from ₹100, professional management, and long-term inflation-hedging benefits, they’re a must-have in a diversified portfolio. With global uncertainty and rising inflation, allocating a portion of your wealth to gold funds can provide safety, stability, and steady returns.

FAQs

1. What should I look for while investing in gold mutual funds?

A: Compare 3-year CAGR, expense ratio, fund manager reputation, and AUM size before Investing.

2. Are gold funds better than physical gold?

A: Yes — because they are liquid, cost-efficient, and transparent. No making charges or purity concerns.

3. How much should I allocate to gold funds?

A: Financial planners recommend 5–15% of portfolio allocation to gold.

4. Which gold fund is best for SIP investors?

A: SBI Gold Fund and HDFC Gold Fund have strong SIP performance records.

5. Are gold mutual funds safe?

A: They carry market risks, but as a long-term hedge, they are safer and more stable than many other asset classes.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.