+91-22-48913909Best SIP Plans for 5 Year Investment 2025
Top Funds, Expert Selection Methodology and Smart Guide for Wealth Building
SIP Investing has now become one of India’s most preferred ways to build wealth. With monthly SIP inflows touching ₹21,000+ crore in 2024–25, more investors than ever are choosing systematic investing to meet their Financial goals — especially 5-year goals like buying a car, creating an emergency fund, planning a wedding, or building a home down payment.
But here’s the truth most people don’t know:
There’s no single “Top SIP plan” for everyone. Instead, the right SIP fund depends on your risk profile, investment objective, and the 5-year time horizon.
This definitive guide breaks down everything you need to choose wisely — including updated categories, best-performing funds, market insights, examples, and a goal-based SIP planner.
1. Why SIP Is Ideal for a 5-Year Investment
Most Indian investors today prefer SIP because it solves three major problems:
✔ Prevents timing the market
You invest every month — in highs and lows — automatically averaging your cost.
✔ Helps you beat inflation
- Inflation is now ~5–6%.
- Fixed deposits rarely beat this over 5 years. But Mutual Funds, especially equity and hybrid categories, have historically delivered 10–13% CAGR.
✔ Builds a disciplined habit
Even a ₹1,000 or ₹2,000 monthly SIP compounds to a meaningful amount in five years.
✔ Flexible + Customisable
You can:
- Pause SIP
- Increase or decrease amount
- Withdraw partially
- Switch funds
- Stop anytime
This flexibility is perfect for medium-term goals.
Talk to our investment specialist
Key SIP Trends Every Investor Should Know
Understanding the SIP environment helps you choose smarter.
Record SIP inflows
According to AMFI, SIP inflows consistently hit all-time highs throughout 2024. This shows -
- Higher investor confidence
- Strong participation from Tier-2 and Tier-3 cities
- More long-term investors staying invested
Rise of Flexi Cap and Large & Mid Cap funds
These categories outperformed small caps in 2024 due to better risk-adjusted returns. This makes them suitable for a 5-year goal.
Market volatility rose in 2024
Events like global rate cuts, elections, and geopolitical uncertainty increased Volatility. SIPs benefit from volatility due to rupee-cost averaging.
Younger investors dominate
The average SIP investor age dropped to 28–32 years.
Most popular SIP tenure: 5 years
A 5-year period perfectly balances -
- Growth potential
- Risk moderation
- Goal-based planning
Is 5 Years Enough for Equity SIP?
- Yes, but with the right categories.
- Not all Equity Funds suit a 5-year SIP.
Here’s why:
- Small-cap and sectoral funds can be extremely volatile in short horizons.
- Hybrid and flexi-cap funds reduce downside risk.
- Large caps offer stability when markets are uncertain.
So,
- ✔ Equity is suitable for 5 years if you stick to stable categories
- ✔ Hybrid Fund are perfect for conservative investors
How to Choose the Best SIP Plan for a 5-Year Goal
Choosing the right SIP for a 5-year horizon isn’t complicated — but it does need a bit of structure. Here’s a clean, practical way to do it -
Step 1: Understand Your Risk Comfort
Ask yourself one question: How much market ups-and-downs can I genuinely handle?
- If you prefer stability: go with Hybrid Funds or Large cap funds
- If you’re okay with moderate swings: Flexi-Cap Funds are a balanced choice
- If you want higher growth and can stay calm during volatility: choose Large & mid cap funds
Your risk level automatically decides your category.
Step 2: Evaluate the Fund Properly
Once you know the category, check a few core metrics to ensure you’re not picking a weak fund -
- A fund with at least 5 years of history
- Consistent rolling returns, not just one lucky year
- A low to reasonable expense ratio
- Controlled volatility (standard deviation shouldn’t be too high for the category)
- A fund manager with a solid, steady track record
These checks tell you if the fund is reliable.
Step 3: Skip High-Risk Funds for This Timeframe
For a 5-year goal, it's smarter to avoid categories that swing too wildly -
- Small cap funds
- Sector or thematic funds
- Pure international fund
They’re fantastic for long-term wealth but unpredictable for a 5-year SIP. They are good to plan for something beyond 8 to 10 years.
Step 4: Review Once a Year — Not Every Month
A simple yearly check is enough. Look at -
- How the entire category is doing (not just your fund)
- Major changes in the Portfolio
- Any shifts in the Risk-o-Meter
If everything looks stable, continue the SIP. If the category itself is struggling for long, consider switching.
Fund Selection Methodology used to find 10 funds
Best SIP Plans for 5 Year Investment in FY 25 - 26
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹52.1501
↓ -0.79 ₹1,498 500 27.6 63.2 145.8 48.9 22.7 15.9 ICICI Prudential Regular Gold Savings Fund Growth ₹40.8031
↓ -0.52 ₹3,770 100 18.2 31.4 69.1 33.1 20.1 19.5 SBI Gold Fund Growth ₹38.5756
↓ -0.53 ₹8,457 500 18.6 31.6 69.5 33 20.1 19.6 Nippon India Gold Savings Fund Growth ₹50.5038
↓ -0.64 ₹4,545 100 18.6 31.6 69.3 33 19.9 19 HDFC Gold Fund Growth ₹39.4347
↓ -0.51 ₹7,092 300 18.7 31.6 69.3 33 20 18.9 Axis Gold Fund Growth ₹38.3018
↓ -0.55 ₹1,800 1,000 18.1 31.1 68.1 32.9 20.2 19.2 Aditya Birla Sun Life Gold Fund Growth ₹38.3642
↓ -0.48 ₹1,042 100 18.5 31.8 69.2 32.9 20.2 18.7 Kotak Gold Fund Growth ₹50.6878
↓ -0.74 ₹4,540 1,000 18.8 31.4 68.8 32.8 19.8 18.9 Franklin India Opportunities Fund Growth ₹257.511
↑ 0.10 ₹8,189 500 -0.5 4.5 0.3 28 23.5 37.3 Invesco India PSU Equity Fund Growth ₹63.65
↓ -0.68 ₹1,466 500 -0.1 -1 -1 27 26.2 25.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25 Research Highlights & Commentary of 10 Funds showcased
Commentary DSP World Gold Fund ICICI Prudential Regular Gold Savings Fund SBI Gold Fund Nippon India Gold Savings Fund HDFC Gold Fund Axis Gold Fund Aditya Birla Sun Life Gold Fund Kotak Gold Fund Franklin India Opportunities Fund Invesco India PSU Equity Fund Point 1 Bottom quartile AUM (₹1,498 Cr). Lower mid AUM (₹3,770 Cr). Highest AUM (₹8,457 Cr). Upper mid AUM (₹4,545 Cr). Upper mid AUM (₹7,092 Cr). Lower mid AUM (₹1,800 Cr). Bottom quartile AUM (₹1,042 Cr). Upper mid AUM (₹4,540 Cr). Top quartile AUM (₹8,189 Cr). Bottom quartile AUM (₹1,466 Cr). Point 2 Established history (18+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (13+ yrs). Established history (14+ yrs). Oldest track record among peers (25 yrs). Established history (16+ yrs). Point 3 Top rated. Rating: 1★ (lower mid). Rating: 2★ (upper mid). Rating: 2★ (lower mid). Rating: 1★ (bottom quartile). Rating: 1★ (bottom quartile). Rating: 3★ (top quartile). Rating: 1★ (bottom quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Point 4 Risk profile: 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. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 22.70% (upper mid). 5Y return: 20.06% (lower mid). 5Y return: 20.13% (lower mid). 5Y return: 19.94% (bottom quartile). 5Y return: 20.00% (bottom quartile). 5Y return: 20.17% (upper mid). 5Y return: 20.17% (upper mid). 5Y return: 19.80% (bottom quartile). 5Y return: 23.54% (top quartile). 5Y return: 26.21% (top quartile). Point 6 3Y return: 48.89% (top quartile). 3Y return: 33.14% (top quartile). 3Y return: 33.03% (upper mid). 3Y return: 32.98% (upper mid). 3Y return: 32.97% (upper mid). 3Y return: 32.91% (lower mid). 3Y return: 32.88% (lower mid). 3Y return: 32.81% (bottom quartile). 3Y return: 28.05% (bottom quartile). 3Y return: 26.98% (bottom quartile). Point 7 1Y return: 145.81% (top quartile). 1Y return: 69.14% (lower mid). 1Y return: 69.49% (top quartile). 1Y return: 69.28% (upper mid). 1Y return: 69.34% (upper mid). 1Y return: 68.13% (bottom quartile). 1Y return: 69.22% (upper mid). 1Y return: 68.79% (lower mid). 1Y return: 0.26% (bottom quartile). 1Y return: -1.00% (bottom quartile). Point 8 Alpha: -4.16 (bottom quartile). 1M return: 5.48% (bottom quartile). 1M return: 5.51% (lower mid). 1M return: 5.51% (lower mid). 1M return: 5.51% (upper mid). 1M return: 5.54% (upper mid). 1M return: 5.69% (top quartile). 1M return: 5.56% (upper mid). Alpha: 0.68 (top quartile). Alpha: -0.54 (bottom quartile). Point 9 Sharpe: 1.83 (bottom quartile). Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). 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). Sharpe: 0.06 (bottom quartile). Sharpe: 0.09 (bottom quartile). Point 10 Information ratio: -1.04 (bottom quartile). Sharpe: 2.38 (lower mid). Sharpe: 2.42 (upper mid). Sharpe: 2.41 (upper mid). Sharpe: 2.41 (lower mid). Sharpe: 2.42 (upper mid). Sharpe: 2.45 (top quartile). Sharpe: 2.49 (top quartile). Information ratio: 1.78 (top quartile). Information ratio: -0.60 (bottom quartile). DSP World Gold Fund
ICICI Prudential Regular Gold Savings Fund
SBI Gold Fund
Nippon India Gold Savings Fund
HDFC Gold Fund
Axis Gold Fund
Aditya Birla Sun Life Gold Fund
Kotak Gold Fund
Franklin India Opportunities Fund
Invesco India PSU Equity Fund
*Funds mentioned are considering best "The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Below is the key information for DSP World Gold Fund Returns up to 1 year are on 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 Below is the key information for ICICI Prudential Regular Gold Savings Fund Returns up to 1 year are on 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 Below is the key information for SBI Gold Fund Returns up to 1 year are on 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 Below is the key information for Nippon India Gold Savings Fund Returns up to 1 year are on To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF). Research Highlights for HDFC Gold Fund Below is the key information for HDFC Gold Fund Returns up to 1 year are on To generate returns that closely correspond to returns generated by Axis Gold ETF. Research Highlights for Axis Gold Fund Below is the key information for Axis Gold Fund Returns up to 1 year are on 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 Below is the key information for Aditya Birla Sun Life Gold Fund Returns up to 1 year are on 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 Below is the key information for Kotak Gold Fund Returns up to 1 year are on The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy. Research Highlights for Franklin India Opportunities Fund Below is the key information for Franklin India Opportunities Fund Returns up to 1 year are on To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Research Highlights for Invesco India PSU Equity Fund Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on CAGR returns for over 3 years and fund having atleast have market history (Fund age) of 3 year and have minimum 500 Crore of asset under management.
1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (15 Dec 25) ₹52.1501 ↓ -0.79 (-1.50 %) Net Assets (Cr) ₹1,498 on 31 Oct 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.83 Information Ratio -1.04 Alpha Ratio -4.16 Min Investment 1,000 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 ₹9,903 30 Nov 22 ₹8,659 30 Nov 23 ₹9,599 30 Nov 24 ₹12,026 30 Nov 25 ₹27,573 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 14.9% 3 Month 27.6% 6 Month 63.2% 1 Year 145.8% 3 Year 48.9% 5 Year 22.7% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% 2015 -18.5% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.68 Yr. Data below for DSP World Gold Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Basic Materials 95.15% Asset Allocation
Asset Class Value Cash 2.29% Equity 95.15% Debt 0.02% Other 2.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -75% ₹1,127 Cr 1,347,933
↓ -108,097 VanEck Gold Miners ETF
- | GDX24% ₹367 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -2% ₹23 Cr Net Receivables/Payables
Net Current Assets | -1% -₹20 Cr 2. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (16 Dec 25) ₹40.8031 ↓ -0.52 (-1.27 %) 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 Returns for ICICI Prudential Regular Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 5.5% 3 Month 18.2% 6 Month 31.4% 1 Year 69.1% 3 Year 33.1% 5 Year 20.1% 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 3. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (16 Dec 25) ₹38.5756 ↓ -0.53 (-1.36 %) 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 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 5.5% 3 Month 18.6% 6 Month 31.6% 1 Year 69.5% 3 Year 33% 5 Year 20.1% 10 Year 15 Year Since launch 9.9% 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 4. Nippon India Gold Savings Fund
Nippon India Gold Savings Fund
Growth Launch Date 7 Mar 11 NAV (16 Dec 25) ₹50.5038 ↓ -0.64 (-1.25 %) Net Assets (Cr) ₹4,545 on 31 Oct 25 Category Gold - Gold AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderately High Expense Ratio 0.35 Sharpe Ratio 2.41 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.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹9,653 30 Nov 22 ₹10,445 30 Nov 23 ₹12,267 30 Nov 24 ₹14,786 30 Nov 25 ₹23,972 Returns for Nippon India Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 5.5% 3 Month 18.6% 6 Month 31.6% 1 Year 69.3% 3 Year 33% 5 Year 19.9% 10 Year 15 Year Since launch 11.6% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Himanshu Mange 23 Dec 23 1.86 Yr. Data below for Nippon India Gold Savings Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 1.41% Other 98.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nippon India ETF Gold BeES
- | -100% ₹4,542 Cr 454,154,511
↑ 22,344,000 Triparty Repo
CBLO/Reverse Repo | -0% ₹15 Cr Net Current Assets
Net Current Assets | -0% -₹12 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr Cash
Net Current Assets | -0% ₹0 Cr 00 5. HDFC Gold Fund
HDFC Gold Fund
Growth Launch Date 24 Oct 11 NAV (16 Dec 25) ₹39.4347 ↓ -0.51 (-1.26 %) Net Assets (Cr) ₹7,092 on 31 Oct 25 Category Gold - Gold AMC HDFC Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.49 Sharpe Ratio 2.41 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.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹9,719 30 Nov 22 ₹10,530 30 Nov 23 ₹12,340 30 Nov 24 ₹14,910 30 Nov 25 ₹24,143 Returns for HDFC Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 5.5% 3 Month 18.7% 6 Month 31.6% 1 Year 69.3% 3 Year 33% 5 Year 20% 10 Year 15 Year Since launch 10.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Arun Agarwal 15 Feb 23 2.71 Yr. Nandita Menezes 29 Mar 25 0.59 Yr. Data below for HDFC Gold Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 1.32% Other 98.68% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Gold ETF
- | -100% ₹7,102 Cr 687,901,795
↑ 47,480,726 Net Current Assets
Net Current Assets | -0% -₹23 Cr Treps - Tri-Party Repo
CBLO/Reverse Repo | -0% ₹13 Cr 6. Axis Gold Fund
Axis Gold Fund
Growth Launch Date 20 Oct 11 NAV (16 Dec 25) ₹38.3018 ↓ -0.55 (-1.41 %) Net Assets (Cr) ₹1,800 on 31 Oct 25 Category Gold - Gold AMC Axis Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.5 Sharpe Ratio 2.43 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.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹9,776 30 Nov 22 ₹10,573 30 Nov 23 ₹12,492 30 Nov 24 ₹15,037 30 Nov 25 ₹24,261 Returns for Axis Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 5.5% 3 Month 18.1% 6 Month 31.1% 1 Year 68.1% 3 Year 32.9% 5 Year 20.2% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Aditya Pagaria 9 Nov 21 3.98 Yr. Pratik Tibrewal 1 Feb 25 0.75 Yr. Data below for Axis Gold Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 1.68% Other 98.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Gold ETF
- | -100% ₹1,798 Cr 178,172,322
↑ 16,852,517 Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -0% ₹9 Cr Net Receivables / (Payables)
CBLO | -0% -₹7 Cr 7. Aditya Birla Sun Life Gold Fund
Aditya Birla Sun Life Gold Fund
Growth Launch Date 20 Mar 12 NAV (16 Dec 25) ₹38.3642 ↓ -0.48 (-1.23 %) 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 Returns for Aditya Birla Sun Life Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 5.7% 3 Month 18.5% 6 Month 31.8% 1 Year 69.2% 3 Year 32.9% 5 Year 20.2% 10 Year 15 Year Since launch 10.3% 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 8. Kotak Gold Fund
Kotak Gold Fund
Growth Launch Date 25 Mar 11 NAV (16 Dec 25) ₹50.6878 ↓ -0.74 (-1.44 %) 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 Returns for Kotak Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 5.6% 3 Month 18.8% 6 Month 31.4% 1 Year 68.8% 3 Year 32.8% 5 Year 19.8% 10 Year 15 Year Since launch 11.6% 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 9. Franklin India Opportunities Fund
Franklin India Opportunities Fund
Growth Launch Date 21 Feb 00 NAV (15 Dec 25) ₹257.511 ↑ 0.10 (0.04 %) Net Assets (Cr) ₹8,189 on 31 Oct 25 Category Equity - Sectoral AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.83 Sharpe Ratio 0.06 Information Ratio 1.78 Alpha Ratio 0.68 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 ₹13,952 30 Nov 22 ₹14,394 30 Nov 23 ₹19,801 30 Nov 24 ₹29,167 30 Nov 25 ₹30,396 Returns for Franklin India Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month -1.5% 3 Month -0.5% 6 Month 4.5% 1 Year 0.3% 3 Year 28% 5 Year 23.5% 10 Year 15 Year Since launch 13.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 37.3% 2023 53.6% 2022 -1.9% 2021 29.7% 2020 27.3% 2019 5.4% 2018 -10.1% 2017 35.6% 2016 4.2% 2015 2.3% Fund Manager information for Franklin India Opportunities Fund
Name Since Tenure Kiran Sebastian 7 Feb 22 3.73 Yr. R. Janakiraman 1 Apr 13 12.59 Yr. Sandeep Manam 18 Oct 21 4.04 Yr. Data below for Franklin India Opportunities Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 24.53% Consumer Cyclical 16.82% Health Care 13% Technology 12.83% Basic Materials 8.66% Communication Services 5.45% Industrials 4.35% Energy 3.02% Utility 2.61% Consumer Defensive 1.62% Real Estate 0.55% Asset Allocation
Asset Class Value Cash 6.34% Equity 93.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | 5322156% ₹487 Cr 3,948,707
↑ 998,430 State Bank of India (Financial Services)
Equity, Since 31 Oct 25 | SBIN6% ₹467 Cr 4,981,006
↑ 4,981,006 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | 5433204% ₹303 Cr 9,548,090 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 25 | MARUTI3% ₹274 Cr 169,582 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE3% ₹247 Cr 1,661,519
↓ -810,710 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL3% ₹238 Cr 1,158,502 Mphasis Ltd (Technology)
Equity, Since 30 Nov 24 | 5262993% ₹225 Cr 814,231 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | M&M3% ₹222 Cr 637,966 NTPC Ltd (Utilities)
Equity, Since 31 Aug 22 | 5325553% ₹213 Cr 6,333,312 HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 24 | HDFCBANK3% ₹213 Cr 2,153,280
↓ -1,934,662 10. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (16 Dec 25) ₹63.65 ↓ -0.68 (-1.06 %) Net Assets (Cr) ₹1,466 on 31 Oct 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio 0.09 Information Ratio -0.6 Alpha Ratio -0.54 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 ₹13,532 30 Nov 22 ₹16,574 30 Nov 23 ₹21,911 30 Nov 24 ₹33,100 30 Nov 25 ₹34,463 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month -4.7% 3 Month -0.1% 6 Month -1% 1 Year -1% 3 Year 27% 5 Year 26.2% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.6% 2023 54.5% 2022 20.5% 2021 31.1% 2020 6.1% 2019 10.1% 2018 -16.9% 2017 24.3% 2016 17.9% 2015 2.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.34 Yr. Sagar Gandhi 1 Jul 25 0.34 Yr. Data below for Invesco India PSU Equity Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 31.05% Financial Services 28.47% Utility 20.98% Energy 13.32% Basic Materials 2.59% Asset Allocation
Asset Class Value Cash 3.6% Equity 96.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN9% ₹134 Cr 1,426,314 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL9% ₹128 Cr 2,997,692
↓ -180,797 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005477% ₹104 Cr 2,901,565
↓ -327,476 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328146% ₹93 Cr 1,080,618
↑ 527,920 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL6% ₹92 Cr 196,158
↓ -30,307 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN6% ₹91 Cr 8,790,786 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325555% ₹68 Cr 2,024,963
↓ -1,060,827 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | 5411434% ₹65 Cr 424,045
↑ 93,217 Bank of Baroda (Financial Services)
Equity, Since 30 Jun 21 | 5321344% ₹59 Cr 2,116,392
↑ 894,585 GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 23 | 5321554% ₹56 Cr 3,089,630
Common SIP Mistakes You Should Absolutely Avoid
Even smart investors slip up with SIPs — not because they lack discipline, but because some habits feel “right” even when they aren’t. Here are the most common traps to stay away from -
1. Chasing Last Year’s Top Performer
Many investors simply pick a fund that delivered the highest returns last year. But market cycles change quickly, and last year’s chart-topper can easily cool off. Choose consistency—not temporary fame.
2. Starting a SIP Without a Clear Goal
A SIP works best when you know why you’re investing. When there’s no clear goal, you lose track of how much you should invest or how long you need to stay invested. A defined purpose keeps you disciplined.
3. Pausing SIPs When Markets Fall
This is one of the biggest mistakes. Market dips are actually the best time to accumulate more units at cheaper prices. Stopping your SIP during a fall is like stopping your workout right before you get fit.
4. Using Small-Cap or Mid-Cap Funds for a 5-Year Goal
These categories are fantastic for long-term wealth, but they can swing wildly in the short run. For a 5-year horizon, the volatility can become a roadblock. Safer, steadier categories are better suited for such timelines.
5. Overlooking the Expense Ratio
Most investors skip this tiny detail. But even a small difference in expense ratio can change your long-term returns. Think of it as a silent cost—one that you must keep an eye on.
6. Never Reviewing or Rebalancing Your SIPs
SIPs are not “set and forget.” Your goals or risk appetite may change, and so might the fund’s strategy or performance. A quick annual review keeps your investments aligned and healthy.
Talk to our investment specialist
How to Invest in Mutual Fund SIP 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!
Conclusion
A 5-year SIP is one of the smartest ways to build medium-term wealth. The key is choosing the right fund category, avoiding unnecessary risk, and staying disciplined.
SIPs turn -
- Small monthly amounts
- Into meaningful wealth
- Through rupee-cost averaging + compounding
This is an excellent year to start or increase SIPs — especially with India’s strong economic and market outlook.
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.
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2025 Shepard Technologies Private Limited. All Rights Reserved
Research Highlights for DSP World Gold Fund