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Fincash » Mutual Funds » Best Gold Mutual Funds

8 Best Gold Mutual Funds 2025

Updated on August 6, 2025 , 261012 views

Gold has emerged as an important Asset Class in most portfolios, given its ability to grow with Inflation and protect the Portfolio from Volatility caused by financial and economic crises. As gold continues to be a key part of a well-rounded investment strategy, Gold Mutual Funds have gained significant popularity in recent years.

Today, gold as an investment is available in many forms, such as physical gold, E-Gold, etc. However, Gold Funds have emerged as one of the most accessible and popular routes for gold investments. Let’s take a close look at some of the best Gold Mutual Funds to invest in 2025.

Why Gold Funds Are Gaining Popularity?

Indians have always been culturally inclined towards buying gold, whether for ornamental purposes or wealth creation. Festivals, weddings, and celebrations throughout the year further reinforce this tradition. While earlier, physical gold used to be the preferred choice, Gold Mutual Funds have become increasingly popular due to their numerous benefits over physical gold, including:

  • Minimum investment amount (starting as low as INR 100 through SIP),
  • Diversification of assets,
  • No Demat account requirement,
  • SIP growth potential for systematic wealth creation,
  • liquidity, as units can be bought or sold from the fund house.

Gold Mutual Funds are a variant of Gold ETFs (Exchange-Traded Funds). While gold ETFs directly invest in gold bullion or securities linked to gold prices, Gold Mutual Funds invest in gold ETFs on behalf of investors. Unlike physical gold, there are no storage hassles, and gold prices are tracked in real-time, Offering investors transparency and security.

Minimum investment for Gold Mutual Funds typically starts at INR 100, making it easy for investors to enter the Market with small amounts, and systematic Investment plan (SIPs) allow for flexible, long-term growth.

Taxation on Gold Mutual Funds

Gold Mutual Funds are taxed based on Capital gains and the holding period. If you hold the fund for less than 24 months, your gains are taxed as short-term Capital Gains (STCG) at 20% as per your applicable income tax slab rate. However, if the holding period exceeds 24 months, the capital gains are considered long-term capital gains (LTCG) and taxed at a uniform rate of 12.5%, with no indexation benefits.

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)

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
SBI Gold Fund Growth ₹29.7522
↑ 0.14
₹4,4104.21845.223.611.319.6
Aditya Birla Sun Life Gold Fund Growth ₹29.5606
↑ 0.28
₹6364.317.745.423.411.318.7
Axis Gold Fund Growth ₹29.6549
↑ 0.10
₹1,1214.317.544.123.411.519.2
HDFC Gold Fund Growth ₹30.3889
↑ 0.14
₹4,2724.1184523.41118.9
ICICI Prudential Regular Gold Savings Fund Growth ₹31.5118
↑ 0.14
₹2,2744.217.945.423.311.219.5
Kotak Gold Fund Growth ₹39.1085
↑ 0.15
₹3,1554.517.844.223.311.118.9
Nippon India Gold Savings Fund Growth ₹38.9441
↑ 0.19
₹3,1264.117.744.723.21119
Invesco India Gold Fund Growth ₹28.6803
↑ 0.11
₹1684.217.343.723.210.818.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 8 Funds showcased

CommentarySBI Gold FundAditya Birla Sun Life Gold FundAxis Gold FundHDFC Gold FundICICI Prudential Regular Gold Savings FundKotak Gold FundNippon India Gold Savings FundInvesco India Gold Fund
Point 1Highest AUM (₹4,410 Cr).Bottom quartile AUM (₹636 Cr).Lower mid AUM (₹1,121 Cr).Top quartile AUM (₹4,272 Cr).Lower mid AUM (₹2,274 Cr).Upper mid AUM (₹3,155 Cr).Upper mid AUM (₹3,126 Cr).Bottom quartile AUM (₹168 Cr).
Point 2Established history (13+ yrs).Established history (13+ yrs).Established history (13+ yrs).Established history (13+ yrs).Established history (13+ yrs).Oldest track record among peers (14 yrs).Established history (14+ yrs).Established history (13+ yrs).
Point 3Rating: 2★ (upper mid).Top rated.Rating: 1★ (lower mid).Rating: 1★ (lower mid).Rating: 1★ (bottom quartile).Rating: 1★ (bottom quartile).Rating: 2★ (upper mid).Rating: 3★ (top quartile).
Point 4Risk 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 55Y return: 11.27% (upper mid).5Y return: 11.33% (top quartile).5Y return: 11.47% (top quartile).5Y return: 11.05% (lower mid).5Y return: 11.22% (upper mid).5Y return: 11.07% (lower mid).5Y return: 11.01% (bottom quartile).5Y return: 10.82% (bottom quartile).
Point 63Y return: 23.59% (top quartile).3Y return: 23.44% (top quartile).3Y return: 23.43% (upper mid).3Y return: 23.39% (upper mid).3Y return: 23.31% (lower mid).3Y return: 23.26% (lower mid).3Y return: 23.22% (bottom quartile).3Y return: 23.22% (bottom quartile).
Point 71Y return: 45.21% (upper mid).1Y return: 45.36% (top quartile).1Y return: 44.12% (bottom quartile).1Y return: 45.00% (upper mid).1Y return: 45.35% (top quartile).1Y return: 44.21% (lower mid).1Y return: 44.69% (lower mid).1Y return: 43.70% (bottom quartile).
Point 81M return: 4.37% (upper mid).1M return: 4.25% (bottom quartile).1M return: 4.44% (top quartile).1M return: 4.33% (lower mid).1M return: 4.56% (top quartile).1M return: 4.34% (lower mid).1M return: 4.40% (upper mid).1M return: 4.13% (bottom quartile).
Point 9Alpha: 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 10Sharpe: 1.73 (top quartile).Sharpe: 1.79 (top quartile).Sharpe: 1.70 (upper mid).Sharpe: 1.69 (lower mid).Sharpe: 1.67 (bottom quartile).Sharpe: 1.69 (lower mid).Sharpe: 1.71 (upper mid).Sharpe: 1.69 (bottom quartile).

SBI Gold Fund

  • Highest AUM (₹4,410 Cr).
  • Established history (13+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.27% (upper mid).
  • 3Y return: 23.59% (top quartile).
  • 1Y return: 45.21% (upper mid).
  • 1M return: 4.37% (upper mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 1.73 (top quartile).

Aditya Birla Sun Life Gold Fund

  • Bottom quartile AUM (₹636 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 11.33% (top quartile).
  • 3Y return: 23.44% (top quartile).
  • 1Y return: 45.36% (top quartile).
  • 1M return: 4.25% (bottom quartile).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 1.79 (top quartile).

Axis Gold Fund

  • Lower mid AUM (₹1,121 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.47% (top quartile).
  • 3Y return: 23.43% (upper mid).
  • 1Y return: 44.12% (bottom quartile).
  • 1M return: 4.44% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.70 (upper mid).

HDFC Gold Fund

  • Top quartile AUM (₹4,272 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.05% (lower mid).
  • 3Y return: 23.39% (upper mid).
  • 1Y return: 45.00% (upper mid).
  • 1M return: 4.33% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.69 (lower mid).

ICICI Prudential Regular Gold Savings Fund

  • Lower mid AUM (₹2,274 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 11.22% (upper mid).
  • 3Y return: 23.31% (lower mid).
  • 1Y return: 45.35% (top quartile).
  • 1M return: 4.56% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.67 (bottom quartile).

Kotak Gold Fund

  • Upper mid AUM (₹3,155 Cr).
  • Oldest track record among peers (14 yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 11.07% (lower mid).
  • 3Y return: 23.26% (lower mid).
  • 1Y return: 44.21% (lower mid).
  • 1M return: 4.34% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.69 (lower mid).

Nippon India Gold Savings Fund

  • Upper mid AUM (₹3,126 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.01% (bottom quartile).
  • 3Y return: 23.22% (bottom quartile).
  • 1Y return: 44.69% (lower mid).
  • 1M return: 4.40% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.71 (upper mid).

Invesco India Gold Fund

  • Bottom quartile AUM (₹168 Cr).
  • Established history (13+ yrs).
  • Rating: 3★ (top quartile).
  • Risk profile: Moderately High.
  • 5Y return: 10.82% (bottom quartile).
  • 3Y return: 23.22% (bottom quartile).
  • 1Y return: 43.70% (bottom quartile).
  • 1M return: 4.13% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.69 (bottom quartile).
*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

AMFI Registration No.
112358
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.

Why Trust Us

  • Regulated & compliant: AMFI-registered and MCA-incorporated.
  • Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
  • Education-focused: We simplify complex concepts for everyday investors.

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.

1. 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 (₹4,410 Cr).
  • Established history (13+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.27% (upper mid).
  • 3Y return: 23.59% (top quartile).
  • 1Y return: 45.21% (upper mid).
  • 1M return: 4.37% (upper mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 1.73 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding SBI Gold ETF (~100.2%).
  • Top-3 holdings concentration ~101.2%.

Below is the key information for SBI Gold Fund

SBI Gold Fund
Growth
Launch Date 12 Sep 11
NAV (08 Aug 25) ₹29.7522 ↑ 0.14   (0.48 %)
Net Assets (Cr) ₹4,410 on 30 Jun 25
Category Gold - Gold
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 0.29
Sharpe Ratio 1.73
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹8,893
31 Jul 22₹9,337
31 Jul 23₹10,723
31 Jul 24₹12,421
31 Jul 25₹17,329

SBI Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
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 8 Aug 25

DurationReturns
1 Month 4.4%
3 Month 4.2%
6 Month 18%
1 Year 45.2%
3 Year 23.6%
5 Year 11.3%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Raviprakash Sharma12 Sep 1113.89 Yr.

Data below for SBI Gold Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash1.19%
Other98.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Gold ETF
- | -
100%₹4,419 Cr536,211,834
↑ 29,700,000
Net Receivable / Payable
CBLO | -
1%-₹27 Cr
Treps
CBLO/Reverse Repo | -
0%₹17 Cr

2. 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 (₹636 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 11.33% (top quartile).
  • 3Y return: 23.44% (top quartile).
  • 1Y return: 45.36% (top quartile).
  • 1M return: 4.25% (bottom quartile).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 1.79 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Aditya BSL Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.6%.

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 (08 Aug 25) ₹29.5606 ↑ 0.28   (0.95 %)
Net Assets (Cr) ₹636 on 30 Jun 25
Category Gold - Gold
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 0.51
Sharpe Ratio 1.79
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹8,893
31 Jul 22₹9,380
31 Jul 23₹10,712
31 Jul 24₹12,357
31 Jul 25₹17,250

Aditya Birla Sun Life Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
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 8 Aug 25

DurationReturns
1 Month 4.3%
3 Month 4.3%
6 Month 17.7%
1 Year 45.4%
3 Year 23.4%
5 Year 11.3%
10 Year
15 Year
Since launch 8.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Priya Sridhar31 Dec 240.58 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash1.51%
Other98.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Aditya BSL Gold ETF
- | -
100%₹636 Cr75,025,724
↑ 2,384,690
Net Receivables / (Payables)
Net Current Assets | -
0%-₹2 Cr
Clearing Corporation Of India Limited
CBLO/Reverse Repo | -
0%₹2 Cr

3. Axis Gold Fund

To generate returns that closely correspond to returns generated by Axis Gold ETF.

Research Highlights for Axis Gold Fund

  • Lower mid AUM (₹1,121 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.47% (top quartile).
  • 3Y return: 23.43% (upper mid).
  • 1Y return: 44.12% (bottom quartile).
  • 1M return: 4.44% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.70 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Axis Gold ETF (~95.8%).
  • Top-3 holdings concentration ~100.5%.

Below is the key information for Axis Gold Fund

Axis Gold Fund
Growth
Launch Date 20 Oct 11
NAV (08 Aug 25) ₹29.6549 ↑ 0.10   (0.34 %)
Net Assets (Cr) ₹1,121 on 30 Jun 25
Category Gold - Gold
AMC Axis Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.24
Sharpe Ratio 1.7
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹8,988
31 Jul 22₹9,448
31 Jul 23₹10,882
31 Jul 24₹12,595
31 Jul 25₹17,469

Axis Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for Axis 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 8 Aug 25

DurationReturns
1 Month 4.4%
3 Month 4.3%
6 Month 17.5%
1 Year 44.1%
3 Year 23.4%
5 Year 11.5%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19.2%
2023 14.7%
2022 12.5%
2021 -4.7%
2020 26.9%
2019 23.1%
2018 8.3%
2017 0.7%
2016 10.7%
2015 -11.9%
Fund Manager information for Axis Gold Fund
NameSinceTenure
Aditya Pagaria9 Nov 213.73 Yr.
Pratik Tibrewal1 Feb 250.49 Yr.

Data below for Axis Gold Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash5.62%
Other94.38%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Axis Gold ETF
- | -
96%₹1,074 Cr133,339,204
↑ 3,300,766
Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -
4%₹50 Cr
Net Receivables / (Payables)
CBLO | -
0%-₹3 Cr

4. HDFC Gold Fund

To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF).

Research Highlights for HDFC Gold Fund

  • Top quartile AUM (₹4,272 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.05% (lower mid).
  • 3Y return: 23.39% (upper mid).
  • 1Y return: 45.00% (upper mid).
  • 1M return: 4.33% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.69 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding HDFC Gold ETF (~100.2%).
  • Top-3 holdings concentration ~100.7%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund
Growth
Launch Date 24 Oct 11
NAV (08 Aug 25) ₹30.3889 ↑ 0.14   (0.46 %)
Net Assets (Cr) ₹4,272 on 30 Jun 25
Category Gold - Gold
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.49
Sharpe Ratio 1.69
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹8,862
31 Jul 22₹9,268
31 Jul 23₹10,643
31 Jul 24₹12,372
31 Jul 25₹17,156

HDFC Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for HDFC 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 8 Aug 25

DurationReturns
1 Month 4.3%
3 Month 4.1%
6 Month 18%
1 Year 45%
3 Year 23.4%
5 Year 11%
10 Year
15 Year
Since launch 8.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18.9%
2023 14.1%
2022 12.7%
2021 -5.5%
2020 27.5%
2019 21.7%
2018 6.6%
2017 2.8%
2016 10.1%
2015 -7.3%
Fund Manager information for HDFC Gold Fund
NameSinceTenure
Arun Agarwal15 Feb 232.46 Yr.
Nandita Menezes29 Mar 250.34 Yr.

Data below for HDFC Gold Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash1.39%
Other98.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Gold ETF
- | -
100%₹4,280 Cr518,569,445
↑ 21,282,499
Net Current Assets
Net Current Assets | -
0%-₹14 Cr
Treps - Tri-Party Repo
CBLO/Reverse Repo | -
0%₹6 Cr

5. 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 (₹2,274 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 11.22% (upper mid).
  • 3Y return: 23.31% (lower mid).
  • 1Y return: 45.35% (top quartile).
  • 1M return: 4.56% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.67 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • 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 (08 Aug 25) ₹31.5118 ↑ 0.14   (0.45 %)
Net Assets (Cr) ₹2,274 on 30 Jun 25
Category Gold - Gold
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.4
Sharpe Ratio 1.67
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹8,918
31 Jul 22₹9,316
31 Jul 23₹10,684
31 Jul 24₹12,388
31 Jul 25₹17,276

ICICI Prudential Regular Gold Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
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 8 Aug 25

DurationReturns
1 Month 4.6%
3 Month 4.2%
6 Month 17.9%
1 Year 45.4%
3 Year 23.3%
5 Year 11.2%
10 Year
15 Year
Since launch 8.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia27 Sep 1212.85 Yr.
Nishit Patel29 Dec 204.59 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash1.37%
Other98.63%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Pru Gold ETF
- | -
100%₹2,274 Cr275,231,116
↑ 13,791,914
Treps
CBLO/Reverse Repo | -
1%₹13 Cr
Net Current Assets
Net Current Assets | -
1%-₹13 Cr

6. 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 (₹3,155 Cr).
  • Oldest track record among peers (14 yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 11.07% (lower mid).
  • 3Y return: 23.26% (lower mid).
  • 1Y return: 44.21% (lower mid).
  • 1M return: 4.34% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.69 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Kotak Gold ETF (~99.9%).
  • 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 (08 Aug 25) ₹39.1085 ↑ 0.15   (0.38 %)
Net Assets (Cr) ₹3,155 on 30 Jun 25
Category Gold - Gold
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 0.5
Sharpe Ratio 1.69
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹8,941
31 Jul 22₹9,330
31 Jul 23₹10,648
31 Jul 24₹12,295
31 Jul 25₹17,155

Kotak Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
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 8 Aug 25

DurationReturns
1 Month 4.3%
3 Month 4.5%
6 Month 17.8%
1 Year 44.2%
3 Year 23.3%
5 Year 11.1%
10 Year
15 Year
Since launch 10%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Abhishek Bisen25 Mar 1114.36 Yr.
Jeetu Sonar1 Oct 222.83 Yr.

Data below for Kotak Gold Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash1.85%
Other98.15%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kotak Gold ETF
- | -
100%₹3,151 Cr391,346,182
↑ 7,158,000
Triparty Repo
CBLO/Reverse Repo | -
0%₹11 Cr
Net Current Assets/(Liabilities)
Net Current Assets | -
0%-₹7 Cr

7. Nippon India Gold Savings Fund

The investment objective of the Scheme is to seek to provide returns that closely correspond to returns provided by Reliance ETF Gold BeES.

Research Highlights for Nippon India Gold Savings Fund

  • Upper mid AUM (₹3,126 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.01% (bottom quartile).
  • 3Y return: 23.22% (bottom quartile).
  • 1Y return: 44.69% (lower mid).
  • 1M return: 4.40% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.71 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Nippon India ETF Gold BeES (~100.1%).
  • Top-3 holdings concentration ~100.8%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund
Growth
Launch Date 7 Mar 11
NAV (08 Aug 25) ₹38.9441 ↑ 0.19   (0.50 %)
Net Assets (Cr) ₹3,126 on 30 Jun 25
Category Gold - Gold
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 0.34
Sharpe Ratio 1.71
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (2%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹8,864
31 Jul 22₹9,276
31 Jul 23₹10,629
31 Jul 24₹12,270
31 Jul 25₹17,126

Nippon India Gold Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for Nippon India 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 8 Aug 25

DurationReturns
1 Month 4.4%
3 Month 4.1%
6 Month 17.7%
1 Year 44.7%
3 Year 23.2%
5 Year 11%
10 Year
15 Year
Since launch 9.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19%
2023 14.3%
2022 12.3%
2021 -5.5%
2020 26.6%
2019 22.5%
2018 6%
2017 1.7%
2016 11.6%
2015 -8.1%
Fund Manager information for Nippon India Gold Savings Fund
NameSinceTenure
Himanshu Mange23 Dec 231.61 Yr.

Data below for Nippon India Gold Savings Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash1.38%
Other98.62%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Nippon India ETF Gold BeES
- | -
100%₹3,128 Cr391,081,739
↑ 8,330,000
Net Current Assets
Net Current Assets | -
0%-₹12 Cr
Triparty Repo
CBLO/Reverse Repo | -
0%₹10 Cr
Cash Margin - Ccil
CBLO | -
0%₹0 Cr
Cash
Net Current Assets | -
0%₹0 Cr00

8. Invesco India Gold Fund

To provide returns that closely corresponds to returns provided by Invesco India Gold Exchange Traded Fund.

Research Highlights for Invesco India Gold Fund

  • Bottom quartile AUM (₹168 Cr).
  • Established history (13+ yrs).
  • Rating: 3★ (top quartile).
  • Risk profile: Moderately High.
  • 5Y return: 10.82% (bottom quartile).
  • 3Y return: 23.22% (bottom quartile).
  • 1Y return: 43.70% (bottom quartile).
  • 1M return: 4.13% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.69 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Invesco India Gold ETF (~96.3%).
  • Top-3 holdings concentration ~100.1%.

Below is the key information for Invesco India Gold Fund

Invesco India Gold Fund
Growth
Launch Date 5 Dec 11
NAV (08 Aug 25) ₹28.6803 ↑ 0.11   (0.39 %)
Net Assets (Cr) ₹168 on 30 Jun 25
Category Gold - Gold
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderately High
Expense Ratio 0.45
Sharpe Ratio 1.69
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹8,917
31 Jul 22₹9,463
31 Jul 23₹10,740
31 Jul 24₹12,457
31 Jul 25₹17,231

Invesco India Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Invesco India 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 8 Aug 25

DurationReturns
1 Month 4.1%
3 Month 4.2%
6 Month 17.3%
1 Year 43.7%
3 Year 23.2%
5 Year 10.8%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18.8%
2023 14.5%
2022 12.8%
2021 -5.5%
2020 27.2%
2019 21.4%
2018 6.6%
2017 1.3%
2016 21.6%
2015 -15.1%
Fund Manager information for Invesco India Gold Fund
NameSinceTenure
Krishna Cheemalapati1 Mar 250.42 Yr.

Data below for Invesco India Gold Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash5.2%
Other94.8%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Invesco India Gold ETF
- | -
96%₹162 Cr193,043
↑ 8,000
Triparty Repo
CBLO/Reverse Repo | -
4%₹6 Cr
Net Receivables / (Payables)
CBLO | -
0%₹0 Cr

Top 4 Benefits of Gold Investments

1. Hedge Against Inflation

Gold is often seen as a hedge against inflation. When inflation rises, the value of gold tends to rise as well, offering stability in uncertain times. Unlike cash, which may lose its purchasing power, gold’s value increases over time, making it a safe asset during inflationary periods.

2. Liquidity

Gold is highly liquid, meaning it can be easily sold in times of need. Compared to physical gold, Gold ETFs and Gold Mutual Funds offer higher liquidity since they can be sold through the mutual fund house or stock exchange.

3. Diversification

Gold is often referred to as a “safe-haven” asset. Its price movements usually have low correlation with stock markets, making it a valuable tool for diversification. When stock markets are volatile or declining, gold often performs better, helping to protect your portfolio from significant losses.

4. Valuable Asset

Gold has maintained its value for centuries. While it may not always offer explosive returns, it is a stable asset that provides moderate returns over time. In certain short periods, such as during economic crises, it has even shown significant returns.

Who Can Invest Gold Mutual Funds?

Gold Mutual Funds are ideal for:

  • Investors who do not have a Demat account or are not interested in buying physical gold.
  • People looking for small initial investments and systematic wealth creation.
  • Individuals who want to benefit from gold's stability without the risks and hassles of storing physical gold.

Gold Mutual Funds are suitable for anyone seeking diversification and capital appreciation while enjoying the flexibility of no physical storage requirements and a low entry barrier.

How Invest in Gold Funds Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

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

    Get Started

Is It the Right Time to Invest in Gold Mutual Funds with Gold Prices Rising?

The short answer is Yes, but with a few nuances to consider.

1. Gold Prices and Timing the Market

Gold prices fluctuate due to a variety of economic factors, including inflation, interest rates, and market instability. When gold prices are rising, it's often a response to economic or geopolitical uncertainty (e.g., inflationary pressures, stock market volatility, or currency Depreciation).

Historically, gold has performed well when other asset classes (like stocks or Bonds) Underperform. However, predicting exact price movements is difficult, and timing the market isn't always a reliable strategy.

2. Dollar-Cost Averaging (DCA) Strategy

One of the most reliable strategies, particularly for gold mutual funds, is Systematic Investment Plans (SIP). With SIPs, you invest a fixed amount regularly, regardless of gold’s price. This approach helps mitigate the risk of trying to buy at the "peak" or "bottom" of a price cycle.

SIP advantage: By Investing consistently, you average out your cost of investment, potentially avoiding the risks of buying at a high price.

3. Gold as a Long-Term Investment

Gold’s role in a portfolio is typically as a long-term hedge against inflation and economic instability. Although the price of gold may rise or fall in the short term, its value has historically held up well over long periods.

Even with rising gold prices, the fundamentals of gold as a store of value remain unchanged. If you invest in gold mutual funds for the long term, you’re likely to see positive returns, as gold often outperforms during inflationary periods or financial crises.

4. Economic Environment

If inflation is rising or if the global Economy is facing turbulence (e.g., financial market instability or currency depreciation), gold becomes an attractive investment. As gold is negatively correlated with other asset classes (like equities), it can serve as a safe-haven investment.

Interest rates also play a key role—when rates are low, gold often performs better, since it becomes more appealing compared to other assets like bonds or savings accounts that offer low returns.

5. Considerations for Rising Gold Prices

If gold prices are increasing now, it could indicate a strong demand for gold, driven by inflation or uncertainty in the markets. If you're planning to invest in gold mutual funds, remember that rising prices could mean higher entry points, but the long-term benefits could still outweigh the short-term fluctuations.

Gold’s cyclical nature: After periods of significant price increases, gold often experiences corrections. However, over the long term, its average returns tend to outpace inflation and provide stability to a diversified portfolio.

Conclusion:

It remains a good time to invest in gold mutual funds, particularly if you’re looking at long-term gains. Consider using SIPs to average out the cost of buying, and remember that gold’s role as a hedge against inflation and volatility is unlikely to change.

FAQs

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

A: A: When choosing a gold mutual fund, compare its growth rate, Net Asset Value (NAV), and historical returns. It’s also essential to consider fund size, expense ratios, and fund manager performance.

2. Why should I invest in a gold fund?

A: A gold mutual fund offers a hedge against market volatility and inflation. It’s also a liquid investment and provides diversification in your portfolio.

3. Why should I invest in SBI Gold?

A: SBI Gold Fund is one of the leading funds with a proven track record of growth, showing steady returns over time. It is backed by SBI Mutual Fund, one of India’s most trusted names in the Financial Sector.

4. Why should I invest in Axis Gold Fund?

A: Axis Gold Fund has demonstrated strong returns since its inception and is known for consistent growth. Its reliable performance makes it a solid choice for conservative gold investors.

5. Why should I invest in Kotak Gold Fund?

A: Kotak Gold Fund has been one of the best performers in the gold mutual fund space, offering competitive annual returns and a well-managed portfolio.

6. Is investing in gold funds safe?

A: Yes, gold mutual funds are generally safe. However, like all investments, they are subject to market fluctuations. Over the long term, however, gold has proven to be a stable asset class.

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.
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POST A COMMENT

Sudarsanam Sridharan, posted on 7 Dec 21 4:54 PM

Really a useful knowledge. for investment decision.espically for gold and global fund investments.

GANESAN V, posted on 12 Oct 21 1:15 PM

Very informative.

LAKSHMI, posted on 8 Sep 19 7:34 AM

Which gold investment fund will be good for me pls suggest for 1- 1.3 years

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