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8 Best Performing Gold Mutual Funds to Invest in 2025

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8 Best Gold Mutual Funds 2025

Updated on May 14, 2025 , 260148 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.

Top Performing Gold Funds to Invest in India (2025)

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
IDBI Gold Fund Growth ₹24.5374
↑ 0.33
₹1047.52625.121.413.118.7
SBI Gold Fund Growth ₹27.4347
↑ 0.25
₹3,5827.425.624.821.313.119.6
Nippon India Gold Savings Fund Growth ₹35.9356
↑ 0.34
₹2,7447.625.62521.312.819
HDFC Gold Fund Growth ₹28.0619
↑ 0.26
₹3,5587.525.624.921.21318.9
Axis Gold Fund Growth ₹27.4311
↑ 0.36
₹9447.525.625.221.213.219.2
Invesco India Gold Fund Growth ₹26.6117
↑ 0.34
₹1427.825.224.721.113.218.8
ICICI Prudential Regular Gold Savings Fund Growth ₹29.0265
↑ 0.18
₹1,9097.725.624.42112.919.5
Kotak Gold Fund Growth ₹36.0304
↑ 0.20
₹2,8357.125.124.220.812.718.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 May 25
*Above is list of top Gold Funds having AUM/Net Assets > 25 Crore ordered based on 3 year Calendar year returns.

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1. 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).

IDBI Gold Fund is a Gold - Gold fund was launched on 14 Aug 12. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 7.3% since its launch.  Return for 2024 was 18.7% , 2023 was 14.8% and 2022 was 12% .

Below is the key information for IDBI Gold Fund

IDBI Gold Fund
Growth
Launch Date 14 Aug 12
NAV (16 May 25) ₹24.5374 ↑ 0.33   (1.34 %)
Net Assets (Cr) ₹104 on 31 Mar 25
Category Gold - Gold
AMC IDBI Asset Management Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 0.65
Sharpe Ratio 1.62
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.

DateValue
30 Apr 20₹10,000
30 Apr 21₹9,953
30 Apr 22₹10,848
30 Apr 23₹12,438
30 Apr 24₹14,699
30 Apr 25₹19,187

IDBI 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 ₹426,080.
Net Profit of ₹126,080
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 16 May 25

DurationReturns
1 Month -1%
3 Month 7.5%
6 Month 26%
1 Year 25.1%
3 Year 21.4%
5 Year 13.1%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sumit Bhatnagar1 Jun 240.91 Yr.

Data below for IDBI Gold Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash2.93%
Other97.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC MF Gold ETF
- | -
99%₹124 Cr142,519
↑ 16,047
Treps
CBLO/Reverse Repo | -
5%₹7 Cr
Net Receivables / (Payables)
Net Current Assets | -
4%-₹5 Cr

2. SBI Gold Fund

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

SBI Gold Fund is a Gold - Gold fund was launched on 12 Sep 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 7.7% since its launch.  Return for 2024 was 19.6% , 2023 was 14.1% and 2022 was 12.6% .

Below is the key information for SBI Gold Fund

SBI Gold Fund
Growth
Launch Date 12 Sep 11
NAV (16 May 25) ₹27.4347 ↑ 0.25   (0.92 %)
Net Assets (Cr) ₹3,582 on 31 Mar 25
Category Gold - Gold
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 0.29
Sharpe Ratio 1.59
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
30 Apr 20₹10,000
30 Apr 21₹9,632
30 Apr 22₹10,607
30 Apr 23₹12,124
30 Apr 24₹14,397
30 Apr 25₹18,635

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 ₹426,080.
Net Profit of ₹126,080
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 16 May 25

DurationReturns
1 Month -1.7%
3 Month 7.4%
6 Month 25.6%
1 Year 24.8%
3 Year 21.3%
5 Year 13.1%
10 Year
15 Year
Since launch 7.7%
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
Raj gandhi1 Jan 1312.34 Yr.

Data below for SBI Gold Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash1.27%
Other98.73%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Gold ETF
- | -
100%₹3,939 Cr483,231,791
↑ 15,977,871
Net Receivable / Payable
CBLO | -
1%-₹23 Cr
Treps
CBLO/Reverse Repo | -
0%₹15 Cr

3. 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.

Nippon India Gold Savings Fund is a Gold - Gold fund was launched on 7 Mar 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 9.4% since its launch.  Return for 2024 was 19% , 2023 was 14.3% and 2022 was 12.3% .

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund
Growth
Launch Date 7 Mar 11
NAV (16 May 25) ₹35.9356 ↑ 0.34   (0.96 %)
Net Assets (Cr) ₹2,744 on 31 Mar 25
Category Gold - Gold
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 0.34
Sharpe Ratio 1.55
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
30 Apr 20₹10,000
30 Apr 21₹9,504
30 Apr 22₹10,441
30 Apr 23₹11,905
30 Apr 24₹14,095
30 Apr 25₹18,246

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 ₹415,684.
Net Profit of ₹115,684
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 16 May 25

DurationReturns
1 Month -1.9%
3 Month 7.6%
6 Month 25.6%
1 Year 25%
3 Year 21.3%
5 Year 12.8%
10 Year
15 Year
Since launch 9.4%
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 231.35 Yr.

Data below for Nippon India Gold Savings Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash1.45%
Other98.55%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Nippon India ETF Gold BeES
- | -
100%₹2,960 Cr374,289,097
↑ 4,429,805
Net Current Assets
Net Current Assets | -
0%-₹12 Cr
Triparty Repo
CBLO/Reverse Repo | -
0%₹11 Cr
Cash Margin - Ccil
CBLO | -
0%₹0 Cr
Cash
Net Current Assets | -
0%₹0 Cr00

4. HDFC Gold Fund

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

HDFC Gold Fund is a Gold - Gold fund was launched on 24 Oct 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 7.9% since its launch.  Return for 2024 was 18.9% , 2023 was 14.1% and 2022 was 12.7% .

Below is the key information for HDFC Gold Fund

HDFC Gold Fund
Growth
Launch Date 24 Oct 11
NAV (16 May 25) ₹28.0619 ↑ 0.26   (0.92 %)
Net Assets (Cr) ₹3,558 on 31 Mar 25
Category Gold - Gold
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.49
Sharpe Ratio 1.62
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
30 Apr 20₹10,000
30 Apr 21₹9,590
30 Apr 22₹10,558
30 Apr 23₹12,021
30 Apr 24₹14,277
30 Apr 25₹18,463

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 ₹415,684.
Net Profit of ₹115,684
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 16 May 25

DurationReturns
1 Month -1.7%
3 Month 7.5%
6 Month 25.6%
1 Year 24.9%
3 Year 21.2%
5 Year 13%
10 Year
15 Year
Since launch 7.9%
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 232.21 Yr.
Nandita Menezes29 Mar 250.09 Yr.

Data below for HDFC Gold Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash1.77%
Other98.23%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Gold ETF
- | -
100%₹3,556 Cr462,353,678
↑ 12,154,034
Treps - Tri-Party Repo
CBLO/Reverse Repo | -
0%₹10 Cr
Net Current Assets
Net Current Assets | -
0%-₹9 Cr

5. Axis Gold Fund

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

Axis Gold Fund is a Gold - Gold fund was launched on 20 Oct 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 7.7% since its launch.  Return for 2024 was 19.2% , 2023 was 14.7% and 2022 was 12.5% .

Below is the key information for Axis Gold Fund

Axis Gold Fund
Growth
Launch Date 20 Oct 11
NAV (16 May 25) ₹27.4311 ↑ 0.36   (1.32 %)
Net Assets (Cr) ₹944 on 31 Mar 25
Category Gold - Gold
AMC Axis Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.24
Sharpe Ratio 1.58
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
30 Apr 20₹10,000
30 Apr 21₹9,547
30 Apr 22₹10,528
30 Apr 23₹11,994
30 Apr 24₹14,258
30 Apr 25₹18,379

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 ₹426,080.
Net Profit of ₹126,080
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 16 May 25

DurationReturns
1 Month -1.8%
3 Month 7.5%
6 Month 25.6%
1 Year 25.2%
3 Year 21.2%
5 Year 13.2%
10 Year
15 Year
Since launch 7.7%
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 213.47 Yr.
Pratik Tibrewal1 Feb 250.24 Yr.

Data below for Axis Gold Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash3.75%
Other96.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Axis Gold ETF
- | -
98%₹1,009 Cr126,831,408
↑ 3,500,000
Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -
3%₹28 Cr
Net Receivables / (Payables)
CBLO | -
0%-₹4 Cr

6. Invesco India Gold Fund

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

Invesco India Gold Fund is a Gold - Gold fund was launched on 5 Dec 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 7.6% since its launch.  Return for 2024 was 18.8% , 2023 was 14.5% and 2022 was 12.8% .

Below is the key information for Invesco India Gold Fund

Invesco India Gold Fund
Growth
Launch Date 5 Dec 11
NAV (16 May 25) ₹26.6117 ↑ 0.34   (1.28 %)
Net Assets (Cr) ₹142 on 31 Mar 25
Category Gold - Gold
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderately High
Expense Ratio 0.45
Sharpe Ratio 1.6
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
30 Apr 20₹10,000
30 Apr 21₹9,639
30 Apr 22₹10,648
30 Apr 23₹12,107
30 Apr 24₹14,347
30 Apr 25₹18,454

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 ₹426,080.
Net Profit of ₹126,080
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 16 May 25

DurationReturns
1 Month -1.8%
3 Month 7.8%
6 Month 25.2%
1 Year 24.7%
3 Year 21.1%
5 Year 13.2%
10 Year
15 Year
Since launch 7.6%
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 250.17 Yr.

Data below for Invesco India Gold Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash5.71%
Other94.29%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Invesco India Gold ETF
- | -
96%₹136 Cr174,343
↑ 8,000
Triparty Repo
CBLO/Reverse Repo | -
4%₹6 Cr
Net Receivables / (Payables)
Net Current Assets | -
0%₹0 Cr

7. 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.

ICICI Prudential Regular Gold Savings Fund is a Gold - Gold fund was launched on 11 Oct 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 8.2% since its launch.  Return for 2024 was 19.5% , 2023 was 13.5% and 2022 was 12.7% .

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 (16 May 25) ₹29.0265 ↑ 0.18   (0.62 %)
Net Assets (Cr) ₹1,909 on 31 Mar 25
Category Gold - Gold
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.4
Sharpe Ratio 1.56
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
30 Apr 20₹10,000
30 Apr 21₹9,598
30 Apr 22₹10,545
30 Apr 23₹12,018
30 Apr 24₹14,252
30 Apr 25₹18,460

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 ₹415,684.
Net Profit of ₹115,684
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 16 May 25

DurationReturns
1 Month -1.9%
3 Month 7.7%
6 Month 25.6%
1 Year 24.4%
3 Year 21%
5 Year 12.9%
10 Year
15 Year
Since launch 8.2%
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 1212.6 Yr.
Nishit Patel29 Dec 204.34 Yr.

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

Asset Allocation
Asset ClassValue
Cash2.21%
Other97.79%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Pru Gold ETF
- | -
99%₹1,897 Cr247,781,245
↑ 11,214,965
Treps
CBLO/Reverse Repo | -
1%₹14 Cr
Net Current Assets
Net Current Assets | -
0%-₹2 Cr

8. Kotak Gold Fund

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

Kotak Gold Fund is a Gold - Gold fund was launched on 25 Mar 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 9.5% since its launch.  Return for 2024 was 18.9% , 2023 was 13.9% and 2022 was 11.7% .

Below is the key information for Kotak Gold Fund

Kotak Gold Fund
Growth
Launch Date 25 Mar 11
NAV (16 May 25) ₹36.0304 ↑ 0.20   (0.56 %)
Net Assets (Cr) ₹2,835 on 31 Mar 25
Category Gold - Gold
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 0.5
Sharpe Ratio 1.57
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
30 Apr 20₹10,000
30 Apr 21₹9,688
30 Apr 22₹10,630
30 Apr 23₹12,058
30 Apr 24₹14,279
30 Apr 25₹18,422

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 ₹415,684.
Net Profit of ₹115,684
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 16 May 25

DurationReturns
1 Month -1.8%
3 Month 7.1%
6 Month 25.1%
1 Year 24.2%
3 Year 20.8%
5 Year 12.7%
10 Year
15 Year
Since launch 9.5%
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 1114.11 Yr.
Jeetu Sonar1 Oct 222.58 Yr.

Data below for Kotak Gold Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash2.4%
Other97.6%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kotak Gold ETF
- | -
100%₹2,821 Cr376,446,978
↑ 5,960,339
Triparty Repo
CBLO/Reverse Repo | -
1%₹18 Cr
Net Current Assets/(Liabilities)
Net Current Assets | -
0%-₹4 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?

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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.


Author By Rohini Hiremath

Rohini Hiremath works as a Content Head at Fincash.com. Her passion is to deliver financial knowledge to the masses in simple language. She has a strong background in start-ups and diverse content. Rohini is also an SEO expert, coach and motivating team head!

You can connect with her at rohini.hiremath@fincash.com


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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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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