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Best SIP Plans for 5 Years in India – Top Mutual Funds & Returns Guide

Updated on October 14, 2026 , 167285 views

Choosing the Top SIP for a 5-year investment is one of the most common questions Indian investors ask today — especially for goals like buying a car, planning a wedding, or creating a home down payment.

The short answer is — there is no single best SIP for everyone.

The right mutual fund for a 5-year SIP depends on:

  • Your financial goal
  • Your risk tolerance
  • The time available before you need the money
  • The mutual fund category
  • The fund's consistency and risk characteristics

Benefits-of-SIP-Investment

A SIP is simply a method of Investing a fixed amount at regular intervals in a mutual fund. It does not make the underlying investment risk-free or guarantee returns. AMFI describes SIP as a way to invest a fixed amount periodically and notes that it can help investors maintain discipline and benefit from rupee-cost averaging.

For a 5-year goal, the focus should therefore be on choosing an appropriate fund category first and selecting an individual fund second.

Best SIP Options for 5-Year Investment (Quick Summary)

Investor Profile Mutual Fund Categories to Consider
Conservative Hybrid Funds
Moderate Large Cap/ Flexi Cap
Moderate–Aggressive Flexi Cap / Large & Mid Cap
High Risk Higher-risk equity categories should be considered cautiously for a 5-year goal

Important: A 5-year horizon does not automatically make equity Mutual Funds suitable for every investor. If the money is required on a fixed date, the possibility of a market fall near the end of the five-year period should be considered.

What Is a SIP?

A Systematic Investment plan (SIP) allows an investor to invest a fixed amount in a mutual fund scheme at regular intervals, such as monthly. Instead of investing a large amount at one time, the investor spreads the investment over multiple instalments.

For example, an investor could invest:

  • ₹2,000 per month
  • ₹5,000 per month
  • ₹10,000 per month
  • ₹20,000 per month

The amount and frequency depend on the investor and the particular mutual fund scheme.

SIP can help investors invest regularly without trying to predict the best day to enter the market. Because units are purchased at different NAVs over time, the average purchase cost may benefit from market fluctuations. However, SIP does not eliminate market risk or guarantee profits.

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Is 5 Years a Good Period for SIP?

Five years can be a reasonable investment horizon for some mutual fund investors, but whether it is appropriate depends on the fund category and the investor's goal. The important question is not simply:

"Is 5 years enough for SIP?"

It is:

"Is five years enough for the particular type of mutual fund I am investing in, and can I tolerate the risk if the market falls when I need the money?"

For example, a diversified equity fund may experience significant fluctuations even over a five-year period. A Hybrid Fund may have a different risk profile because it invests across asset classes.

Therefore, investors should avoid selecting a fund solely because it delivered the highest recent return.

Which Mutual Fund Categories Can Be Considered for a 5-Year SIP?

1. Large Cap Funds

Large cap funds primarily invest in large, established companies. They may be considered by investors who want equity exposure but prefer a relatively more established segment of the equity market. However, large-cap funds are still equity investments and can fall substantially during market corrections.

Suitable for: Investors with moderate risk tolerance who can accept equity-market fluctuations.

2. Flexi Cap Funds

Flexi Cap Funds have the flexibility to invest across large-cap, mid-cap and small-cap companies. This flexibility can allow the fund manager to adjust the Portfolio across market-cap segments depending on the investment strategy and market conditions.

Suitable for: Investors with moderate to high risk tolerance who want diversified equity exposure.

3. Large & Mid Cap Funds

Large & mid cap funds invest across both large-cap and mid-cap companies. They may offer a balance between established businesses and companies with potentially higher growth opportunities, although the mid-cap exposure also increases the potential for Volatility.

Suitable for: Investors comfortable with higher equity-market fluctuations.

4. Hybrid Funds

Hybrid Funds invest across more than one asset class, depending on the scheme's mandate. Some hybrid categories have a meaningful allocation to both equity and debt, which can make them relevant for investors who want a combination of growth potential and diversification.

Suitable for: Investors who want exposure to multiple asset classes and have a lower risk tolerance than a pure-equity investor.

How to Choose the Best SIP Plan for a 5-Year Goal

Choosing the right SIP for a 5-year financial goal doesn’t have to be complicated. However, instead of simply looking for the fund with the highest returns, it helps to follow a structured approach based on your goal, risk tolerance, fund category and investment consistency.

Here’s a practical way to choose a suitable SIP for a 5-year horizon.

Step 1: Start With Your Financial Goal

First, understand why you are investing and when you will need the money. A 5-year SIP could be for goals such as:

  • Buying a car
  • Funding education
  • Wedding expenses
  • Making a home down payment
  • Building a corpus for another medium-term financial goal

If the money is required on a fixed date, the ability to protect your accumulated corpus as the goal approaches becomes increasingly important. This is particularly relevant for equity-oriented investments, where the value can fluctuate significantly over shorter periods.

Step 2: Understand Your Risk Comfort

Ask yourself one simple question - How much market volatility can I genuinely handle without stopping my SIP or withdrawing my investment?

Your answer should influence the type of mutual fund category you consider.

  • Lower risk tolerance: Suitable hybrid fund categories may be considered for investors who want relatively lower equity exposure.
  • Moderate risk tolerance: Large-cap or suitable hybrid fund categories may be considered, depending on the goal and overall portfolio.
  • Higher risk tolerance: Diversified equity categories such as Flexi-Cap or Large & Mid-Cap Funds may be considered, but they can experience larger short-term fluctuations.

The important point is that risk tolerance and investment horizon should be considered together. A fund that may be suitable for a long-term investor may not necessarily be appropriate when the money is needed on a fixed date in five years.

Step 3: Select the Right Fund Category

Once you understand your goal and risk tolerance, select the fund category before choosing an individual scheme.

For a 5-year horizon, investors may consider categories such as:

  • Hybrid Funds: Can be considered when relatively lower equity exposure is preferred.
  • Large-Cap Funds: Invest predominantly in large companies and may be considered by investors looking for exposure to relatively established businesses.
  • Flexi-Cap Funds: Offer diversified equity exposure across market capitalisations but can still experience significant market volatility.
  • Large & Mid-Cap Funds: Combine exposure to large- and mid-cap companies and may suit investors comfortable with higher equity-market fluctuations.

The right category depends on your financial goal, risk tolerance and ability to remain invested through market cycles.

Step 4: Evaluate the Fund Properly

Once you have selected a suitable category, compare individual mutual fund schemes using multiple factors rather than choosing the fund with the highest recent return.

Some important factors to evaluate include:

  • Consistency of Returns

Look at the fund's performance across multiple periods rather than relying only on its latest one-year or three-year return. Rolling returns can provide a better picture of how consistently a fund has performed across different periods.

  • Risk-Adjusted Performance

Returns should always be considered alongside the amount of risk taken to generate them. Metrics such as the Sharpe Ratio can help investors understand whether the returns generated by a fund have been reasonable relative to its volatility.

  • Volatility

Two funds may generate similar returns while taking very different levels of risk. Check measures such as standard deviation and compare the fund's volatility with other funds in the same category. A higher-return fund is not automatically the better choice if the additional return comes with substantially higher volatility.

  • Expense Ratio

The expense ratio represents the cost charged by the mutual fund for managing the scheme. Compare the expense ratio with relevant funds in the same category. While cost should not be the only deciding factor, lower costs can help reduce the drag on long-term returns.

  • Fund History

A fund with a longer track record provides more information about how it has behaved across different market conditions. Ideally, evaluate a fund's performance through multiple market cycles rather than judging it on a single favourable period.

  • Portfolio

Look at where the fund is investing. Check its sector allocation, major holdings, market-cap exposure and overall diversification. The portfolio should be consistent with the fund category and your own risk tolerance.

  • Fund Manager and Investment Strategy

Review the fund's investment approach and the consistency of its strategy. If there have been significant changes in the fund manager, investment mandate or portfolio strategy, understand how these changes could affect the scheme before making an investment decision.

Should You Avoid High-Risk Funds for a 5-Year Goal?

A 5-year investment horizon requires more caution with highly volatile categories.

Small-cap, sectoral, thematic and certain international Equity Funds can experience substantial fluctuations. While they may offer higher growth potential over longer periods, their short- and medium-term performance can be difficult to predict.

Therefore, these categories may not be suitable for investors who have a fixed 5-year goal and limited flexibility around when the money must be withdrawn. If you have a longer investment horizon and can tolerate significant market fluctuations, the suitability of these categories may be different.

Step 5: Review Your Investment Once a Year

Choosing a fund does not mean you need to monitor it every day. For a SIP, an annual review is generally more useful than reacting to every short-term market movement.

During your review, check -

  • Whether the fund continues to follow its stated investment strategy
  • How it has performed against its category and relevant benchmarks
  • Its performance across different periods
  • Any major changes in the portfolio
  • Changes in the fund manager or investment approach
  • Any significant change in the Risk-o-Meter

If the fund continues to meet your requirements and its investment strategy remains consistent, there may be no reason to make frequent changes. However, if there is a persistent deterioration in performance, a major change in strategy, or a change in your own financial goal or risk tolerance, reassess the investment.

Should You Choose a Fund Based Only on 3-Year or 5-Year Returns?

No.

Historical returns are useful for evaluating a fund, but they should not be treated as a prediction of future performance. A fund that has delivered the highest recent return may have achieved that performance by taking higher risks or benefiting from a particular market environment.

For a 5-year investment goal, a better approach is to consider:

Returns + consistency + risk + portfolio + costs + suitability

rather than - Highest return = Best fund

Past performance does not guarantee future performance, and mutual fund investments are subject to market risk.

Expected SIP Returns for 5-Year Investment

Based on long-term historical data:

Fund Category Expected CAGR
Hybrid Funds 8% – 10%
Large Cap Funds 10% – 11%
Flexi Cap Funds 11% – 13%
Large & Mid Cap 12% – 14%

These are indicative returns, not guaranteed. Actual returns depend on market cycles and discipline.

How Much Can SIP Grow in 5 Years?

Monthly SIP Approx Value (12% CAGR)
₹3,000 ₹2.45 lakh
₹5,000 ₹4.10 lakh
₹10,000 ₹8.20 lakh
₹20,000 ₹16.40 lakh

The above figures are indicative and based on assumed returns.

Your actual SIP returns will depend on:

  • monthly SIP investment amount
  • investment duration
  • expected rate of return

To calculate your personalised SIP returns:

➡️ Use Fincash sip calculator to estimate your 5-year investment value. 🔗 Calculate SIP Returns Instantly

Fund Selection Methodology used to find 10 funds

  • Investment Option: SIP
  • AUM Range: 500 to 100000 Cr
  • Minimum fund age: 3 years
  • Sorted On : 3-year return (high to low)
  • Tags: SmartSip, fcpro
  • No Of Funds: 10

Best SIP Plans for 5 Year Investment in FY 26 - 27

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2025 (%)
DSP World Gold Fund Growth ₹55.7425
↑ 0.68
₹1,828 500 12.2-12.418.451.725.4167.1
Aditya Birla Sun Life Gold Fund Growth ₹42.0169
↑ 0.19
₹1,843 100 3.1-4.413.933.623.472
SBI Gold Fund Growth ₹42.3016
↑ 0.12
₹17,647 500 3-4.413.933.623.571.5
ICICI Prudential Regular Gold Savings Fund Growth ₹44.728
↑ 0.17
₹7,149 100 3.1-4.51433.423.472
HDFC Gold Fund Growth ₹43.1324
↑ 0.13
₹12,359 300 3-4.413.633.423.371.3
Invesco India Gold Fund Growth ₹40.7054
↑ 0.14
₹511 500 3.5-3.714.833.323.269.6
Nippon India Gold Savings Fund Growth ₹55.2551
↑ 0.17
₹7,602 100 3.1-4.413.733.323.271.2
IDBI Gold Fund Growth ₹37.4928
↑ 0.26
₹858 500 2.9-4.213.333.223.479
Kotak Gold Fund Growth ₹55.4649
↑ 0.15
₹7,195 1,000 3.1-4.31433.12370.4
Axis Gold Fund Growth ₹41.98
↑ 0.18
₹3,191 1,000 3.1-4.613.73323.469.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Oct 26

Research Highlights & Commentary of 10 Funds showcased

CommentaryDSP World Gold FundAditya Birla Sun Life Gold FundSBI Gold FundICICI Prudential Regular Gold Savings FundHDFC Gold FundInvesco India Gold FundNippon India Gold Savings FundIDBI Gold FundKotak Gold FundAxis Gold Fund
Point 1Bottom quartile AUM (₹1,828 Cr).Lower mid AUM (₹1,843 Cr).Highest AUM (₹17,647 Cr).Upper mid AUM (₹7,149 Cr).Top quartile AUM (₹12,359 Cr).Bottom quartile AUM (₹511 Cr).Upper mid AUM (₹7,602 Cr).Bottom quartile AUM (₹858 Cr).Upper mid AUM (₹7,195 Cr).Lower mid AUM (₹3,191 Cr).
Point 2Oldest track record among peers (19 yrs).Established history (14+ yrs).Established history (15+ yrs).Established history (15+ yrs).Established history (14+ yrs).Established history (14+ yrs).Established history (15+ yrs).Established history (14+ yrs).Established history (15+ yrs).Established history (15+ yrs).
Point 3Top rated.Rating: 3★ (top quartile).Rating: 2★ (upper mid).Rating: 1★ (lower mid).Rating: 1★ (lower mid).Rating: 3★ (upper mid).Rating: 2★ (upper mid).Not Rated.Rating: 1★ (bottom quartile).Rating: 1★ (bottom quartile).
Point 4Risk 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: Moderately High.
Point 55Y return: 25.39% (top quartile).5Y return: 23.36% (upper mid).5Y return: 23.54% (top quartile).5Y return: 23.36% (upper mid).5Y return: 23.31% (lower mid).5Y return: 23.22% (bottom quartile).5Y return: 23.24% (bottom quartile).5Y return: 23.38% (upper mid).5Y return: 23.04% (bottom quartile).5Y return: 23.35% (lower mid).
Point 63Y return: 51.71% (top quartile).3Y return: 33.62% (top quartile).3Y return: 33.61% (upper mid).3Y return: 33.45% (upper mid).3Y return: 33.38% (upper mid).3Y return: 33.27% (lower mid).3Y return: 33.26% (lower mid).3Y return: 33.16% (bottom quartile).3Y return: 33.10% (bottom quartile).3Y return: 32.96% (bottom quartile).
Point 71Y return: 18.36% (top quartile).1Y return: 13.91% (upper mid).1Y return: 13.85% (lower mid).1Y return: 13.99% (upper mid).1Y return: 13.62% (bottom quartile).1Y return: 14.75% (top quartile).1Y return: 13.70% (bottom quartile).1Y return: 13.35% (bottom quartile).1Y return: 13.96% (upper mid).1Y return: 13.72% (lower mid).
Point 8Alpha: 4.18 (top quartile).1M return: -3.73% (upper mid).1M return: -3.84% (bottom quartile).1M return: -3.78% (upper mid).1M return: -3.81% (lower mid).1M return: -3.43% (top quartile).1M return: -3.79% (upper mid).1M return: -3.25% (top quartile).1M return: -3.81% (lower mid).1M return: -3.83% (bottom quartile).
Point 9Sharpe: 1.25 (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).Alpha: 0.00 (bottom quartile).Alpha: 0.00 (bottom quartile).
Point 10Information ratio: -1.01 (bottom quartile).Sharpe: 1.28 (bottom quartile).Sharpe: 1.38 (upper mid).Sharpe: 1.30 (lower mid).Sharpe: 1.38 (upper mid).Sharpe: 1.38 (upper mid).Sharpe: 1.27 (bottom quartile).Sharpe: 1.32 (lower mid).Sharpe: 1.46 (top quartile).Sharpe: 1.42 (top quartile).

DSP World Gold Fund

  • Bottom quartile AUM (₹1,828 Cr).
  • Oldest track record among peers (19 yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 25.39% (top quartile).
  • 3Y return: 51.71% (top quartile).
  • 1Y return: 18.36% (top quartile).
  • Alpha: 4.18 (top quartile).
  • Sharpe: 1.25 (bottom quartile).
  • Information ratio: -1.01 (bottom quartile).

Aditya Birla Sun Life Gold Fund

  • Lower mid AUM (₹1,843 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (top quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.36% (upper mid).
  • 3Y return: 33.62% (top quartile).
  • 1Y return: 13.91% (upper mid).
  • 1M return: -3.73% (upper mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 1.28 (bottom quartile).

SBI Gold Fund

  • Highest AUM (₹17,647 Cr).
  • Established history (15+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.54% (top quartile).
  • 3Y return: 33.61% (upper mid).
  • 1Y return: 13.85% (lower mid).
  • 1M return: -3.84% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.38 (upper mid).

ICICI Prudential Regular Gold Savings Fund

  • Upper mid AUM (₹7,149 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.36% (upper mid).
  • 3Y return: 33.45% (upper mid).
  • 1Y return: 13.99% (upper mid).
  • 1M return: -3.78% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.30 (lower mid).

HDFC Gold Fund

  • Top quartile AUM (₹12,359 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.31% (lower mid).
  • 3Y return: 33.38% (upper mid).
  • 1Y return: 13.62% (bottom quartile).
  • 1M return: -3.81% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.38 (upper mid).

Invesco India Gold Fund

  • Bottom quartile AUM (₹511 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.22% (bottom quartile).
  • 3Y return: 33.27% (lower mid).
  • 1Y return: 14.75% (top quartile).
  • 1M return: -3.43% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.38 (upper mid).

Nippon India Gold Savings Fund

  • Upper mid AUM (₹7,602 Cr).
  • Established history (15+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.24% (bottom quartile).
  • 3Y return: 33.26% (lower mid).
  • 1Y return: 13.70% (bottom quartile).
  • 1M return: -3.79% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.27 (bottom quartile).

IDBI Gold Fund

  • Bottom quartile AUM (₹858 Cr).
  • Established history (14+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 23.38% (upper mid).
  • 3Y return: 33.16% (bottom quartile).
  • 1Y return: 13.35% (bottom quartile).
  • 1M return: -3.25% (top quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.32 (lower mid).

Kotak Gold Fund

  • Upper mid AUM (₹7,195 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.04% (bottom quartile).
  • 3Y return: 33.10% (bottom quartile).
  • 1Y return: 13.96% (upper mid).
  • 1M return: -3.81% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.46 (top quartile).

Axis Gold Fund

  • Lower mid AUM (₹3,191 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.35% (lower mid).
  • 3Y return: 32.96% (bottom quartile).
  • 1Y return: 13.72% (lower mid).
  • 1M return: -3.83% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.42 (top quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 10 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
10+ 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.

*Funds mentioned are considering best 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

"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."

Research Highlights for DSP World Gold Fund

  • Bottom quartile AUM (₹1,828 Cr).
  • Oldest track record among peers (19 yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 25.39% (top quartile).
  • 3Y return: 51.71% (top quartile).
  • 1Y return: 18.36% (top quartile).
  • Alpha: 4.18 (top quartile).
  • Sharpe: 1.25 (bottom quartile).
  • Information ratio: -1.01 (bottom quartile).
  • Top sector: Basic Materials.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Equity-heavy allocation (~94%).
  • Largest holding BGF World Gold I2 (~66.7%).
  • Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (15 Oct 26) ₹55.7425 ↑ 0.68   (1.23 %)
Net Assets (Cr) ₹1,828 on 31 Aug 26
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating ☆☆☆
Risk High
Expense Ratio 1.41
Sharpe Ratio 1.25
Information Ratio -1.01
Alpha Ratio 4.18
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.

DateValue
30 Sep 21₹10,000
30 Sep 22₹8,263
30 Sep 23₹9,670
30 Sep 24₹14,147
30 Sep 25₹28,247
30 Sep 26₹37,014

DSP World 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 ₹570,326.
Net Profit of ₹270,326
Invest Now

Returns for DSP World 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 15 Oct 26

DurationReturns
1 Month -9.4%
3 Month 12.2%
6 Month -12.4%
1 Year 18.4%
3 Year 51.7%
5 Year 25.4%
10 Year
15 Year
Since launch 9.4%
Historical performance (Yearly) on absolute basis
YearReturns
2025 167.1%
2024 15.9%
2023 7%
2022 -7.7%
2021 -9%
2020 31.4%
2019 35.1%
2018 -10.7%
2017 -4%
2016 52.7%
Fund Manager information for DSP World Gold Fund
NameSinceTenure
Kaivalya Nadkarni1 May 251.34 Yr.

Data below for DSP World Gold Fund as on 31 Aug 26

Equity Sector Allocation
SectorValue
Basic Materials92.97%
Asset Allocation
Asset ClassValue
Cash4.49%
Equity93.67%
Debt0%
Other1.84%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
67%₹1,220 Cr958,135
↓ -25,317
VanEck Gold Miners ETF
- | GDX
30%₹539 Cr573,719
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
4%₹74 Cr
Net Receivables/Payables
Net Current Assets | -
0%-₹5 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

  • Lower mid AUM (₹1,843 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (top quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.36% (upper mid).
  • 3Y return: 33.62% (top quartile).
  • 1Y return: 13.91% (upper mid).
  • 1M return: -3.73% (upper mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 1.28 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Aditya BSL Gold ETF (~99.9%).
  • Top-3 holdings concentration ~100.4%.

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 (16 Oct 26) ₹42.0169 ↑ 0.19   (0.45 %)
Net Assets (Cr) ₹1,843 on 31 Aug 26
Category Gold - Gold
AMC Birla Sun Life Asset Management Co Ltd
Rating ☆☆☆
Risk Moderately High
Expense Ratio 0.51
Sharpe Ratio 1.28
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
30 Sep 21₹10,000
30 Sep 22₹10,774
30 Sep 23₹12,310
30 Sep 24₹15,800
30 Sep 25₹23,797
30 Sep 26₹30,051

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 ₹543,623.
Net Profit of ₹243,623
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 15 Oct 26

DurationReturns
1 Month -3.7%
3 Month 3.1%
6 Month -4.4%
1 Year 13.9%
3 Year 33.6%
5 Year 23.4%
10 Year
15 Year
Since launch 10.4%
Historical performance (Yearly) on absolute basis
YearReturns
2025 72%
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%
Fund Manager information for Aditya Birla Sun Life Gold Fund
NameSinceTenure
Mehul Dama7 Jul 260.15 Yr.
Priya Sridhar31 Dec 241.67 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash1.66%
Other98.34%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Aditya BSL Gold ETF
- | -
100%₹1,842 Cr135,613,381
↑ 2,025,000
Treps
CBLO/Reverse Repo | -
0%₹5 Cr
Net Receivable / Payable
CBLO | -
0%-₹4 Cr

3. 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 (₹17,647 Cr).
  • Established history (15+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.54% (top quartile).
  • 3Y return: 33.61% (upper mid).
  • 1Y return: 13.85% (lower mid).
  • 1M return: -3.84% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.38 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding SBI Gold ETF (~100.1%).
  • Top-3 holdings concentration ~101.0%.

Below is the key information for SBI Gold Fund

SBI Gold Fund
Growth
Launch Date 12 Sep 11
NAV (16 Oct 26) ₹42.3016 ↑ 0.12   (0.28 %)
Net Assets (Cr) ₹17,647 on 31 Aug 26
Category Gold - Gold
AMC SBI Funds Management Private Limited
Rating ☆☆
Risk Moderately High
Expense Ratio 0.3
Sharpe Ratio 1.38
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 Sep 21₹10,000
30 Sep 22₹10,812
30 Sep 23₹12,329
30 Sep 24₹15,913
30 Sep 25₹23,991
30 Sep 26₹30,338

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 ₹543,623.
Net Profit of ₹243,623
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 15 Oct 26

DurationReturns
1 Month -3.8%
3 Month 3%
6 Month -4.4%
1 Year 13.9%
3 Year 33.6%
5 Year 23.5%
10 Year
15 Year
Since launch 10%
Historical performance (Yearly) on absolute basis
YearReturns
2025 71.5%
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%
Fund Manager information for SBI Gold Fund
NameSinceTenure
Viral Chhadva1 Mar 260.5 Yr.

Data below for SBI Gold Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash1.66%
Other98.34%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Gold ETF
- | -
100%₹17,670 Cr1,344,259,063
↑ 34,849,724
Net Receivable / Payable
CBLO | -
0%-₹88 Cr
Treps
CBLO/Reverse Repo | -
0%₹65 Cr

4. 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

  • Upper mid AUM (₹7,149 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.36% (upper mid).
  • 3Y return: 33.45% (upper mid).
  • 1Y return: 13.99% (upper mid).
  • 1M return: -3.78% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.30 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding ICICI Pru Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.8%.

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 Oct 26) ₹44.728 ↑ 0.17   (0.38 %)
Net Assets (Cr) ₹7,149 on 31 Aug 26
Category Gold - Gold
AMC ICICI Prudential Asset Management Company Limited
Rating ☆
Risk Moderately High
Expense Ratio 0.38
Sharpe Ratio 1.3
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 Sep 21₹10,000
30 Sep 22₹10,795
30 Sep 23₹12,272
30 Sep 24₹15,851
30 Sep 25₹23,926
30 Sep 26₹30,137

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 ₹543,623.
Net Profit of ₹243,623
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 15 Oct 26

DurationReturns
1 Month -3.8%
3 Month 3.1%
6 Month -4.5%
1 Year 14%
3 Year 33.4%
5 Year 23.4%
10 Year
15 Year
Since launch 10.5%
Historical performance (Yearly) on absolute basis
YearReturns
2025 72%
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%
Fund Manager information for ICICI Prudential Regular Gold Savings Fund
NameSinceTenure
Manish Banthia27 Sep 1213.94 Yr.
Nishit Patel29 Dec 205.68 Yr.
Ashwini Bharucha1 Nov 250.83 Yr.
Venus Ahuja1 Nov 250.83 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash1.97%
Other98.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Pru Gold ETF
- | -
100%₹7,146 Cr542,514,944
↑ 15,652,284
Treps
CBLO/Reverse Repo | -
0%₹31 Cr
Net Current Assets
Net Current Assets | -
0%-₹28 Cr

5. 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 (₹12,359 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.31% (lower mid).
  • 3Y return: 33.38% (upper mid).
  • 1Y return: 13.62% (bottom quartile).
  • 1M return: -3.81% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.38 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding HDFC Gold ETF (~100.1%).
  • Top-3 holdings concentration ~100.4%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund
Growth
Launch Date 24 Oct 11
NAV (16 Oct 26) ₹43.1324 ↑ 0.13   (0.31 %)
Net Assets (Cr) ₹12,359 on 31 Aug 26
Category Gold - Gold
AMC HDFC Asset Management Company Limited
Rating ☆
Risk Moderately High
Expense Ratio 0.49
Sharpe Ratio 1.38
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 Sep 21₹10,000
30 Sep 22₹10,821
30 Sep 23₹12,323
30 Sep 24₹15,865
30 Sep 25₹23,894
30 Sep 26₹30,125

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 ₹543,623.
Net Profit of ₹243,623
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 15 Oct 26

DurationReturns
1 Month -3.8%
3 Month 3%
6 Month -4.4%
1 Year 13.6%
3 Year 33.4%
5 Year 23.3%
10 Year
15 Year
Since launch 10.3%
Historical performance (Yearly) on absolute basis
YearReturns
2025 71.3%
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%
Fund Manager information for HDFC Gold Fund
NameSinceTenure
Arun Agarwal15 Feb 233.55 Yr.
Nandita Menezes29 Mar 251.43 Yr.

Data below for HDFC Gold Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash1.49%
Other98.51%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Gold ETF
- | -
100%₹12,368 Cr938,277,168
↑ 12,630,000
Net Current Assets
Net Current Assets | -
0%-₹23 Cr
Treps - Tri-Party Repo
CBLO/Reverse Repo | -
0%₹13 Cr

6. 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 (₹511 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.22% (bottom quartile).
  • 3Y return: 33.27% (lower mid).
  • 1Y return: 14.75% (top quartile).
  • 1M return: -3.43% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.38 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Invesco India Gold ETF (~97.3%).
  • Top-3 holdings concentration ~100.3%.

Below is the key information for Invesco India Gold Fund

Invesco India Gold Fund
Growth
Launch Date 5 Dec 11
NAV (16 Oct 26) ₹40.7054 ↑ 0.14   (0.34 %)
Net Assets (Cr) ₹511 on 31 Aug 26
Category Gold - Gold
AMC Invesco Asset Management (India) Private Ltd
Rating ☆☆☆
Risk Moderately High
Expense Ratio 0.38
Sharpe Ratio 1.38
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 Sep 21₹10,000
30 Sep 22₹10,929
30 Sep 23₹12,398
30 Sep 24₹15,971
30 Sep 25₹23,662
30 Sep 26₹30,190

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 ₹543,623.
Net Profit of ₹243,623
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 15 Oct 26

DurationReturns
1 Month -3.4%
3 Month 3.5%
6 Month -3.7%
1 Year 14.8%
3 Year 33.3%
5 Year 23.2%
10 Year
15 Year
Since launch 9.9%
Historical performance (Yearly) on absolute basis
YearReturns
2025 69.6%
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%
Fund Manager information for Invesco India Gold Fund
NameSinceTenure
Abhisek Bahinipati1 Nov 250.83 Yr.

Data below for Invesco India Gold Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash4.38%
Other95.62%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Invesco India Gold ETF
- | -
97%₹497 Cr37,122,455
↑ 290,375
Triparty Repo
CBLO/Reverse Repo | -
3%₹15 Cr
Net Receivables / (Payables)
Net Current Assets | -
0%-₹1 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 (₹7,602 Cr).
  • Established history (15+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.24% (bottom quartile).
  • 3Y return: 33.26% (lower mid).
  • 1Y return: 13.70% (bottom quartile).
  • 1M return: -3.79% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.27 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Nippon India ETF Gold BeES (~100.0%).
  • Top-3 holdings concentration ~100.4%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund
Growth
Launch Date 7 Mar 11
NAV (16 Oct 26) ₹55.2551 ↑ 0.17   (0.32 %)
Net Assets (Cr) ₹7,602 on 31 Aug 26
Category Gold - Gold
AMC Nippon Life Asset Management Ltd.
Rating ☆☆
Risk Moderately High
Expense Ratio 0.35
Sharpe Ratio 1.27
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 Sep 21₹10,000
30 Sep 22₹10,819
30 Sep 23₹12,315
30 Sep 24₹15,822
30 Sep 25₹23,776
30 Sep 26₹30,055

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 ₹543,623.
Net Profit of ₹243,623
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 15 Oct 26

DurationReturns
1 Month -3.8%
3 Month 3.1%
6 Month -4.4%
1 Year 13.7%
3 Year 33.3%
5 Year 23.2%
10 Year
15 Year
Since launch 11.6%
Historical performance (Yearly) on absolute basis
YearReturns
2025 71.2%
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%
Fund Manager information for Nippon India Gold Savings Fund
NameSinceTenure
Himanshu Mange23 Dec 232.69 Yr.

Data below for Nippon India Gold Savings Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash1.64%
Other98.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Nippon India ETF Gold BeES
- | -
100%₹7,605 Cr597,305,572
↑ 3,085,000
Net Current Assets
Net Current Assets | -
0%-₹16 Cr
Triparty Repo
CBLO/Reverse Repo | -
0%₹14 Cr
Cash Margin - Ccil
CBLO/Reverse Repo | -
0%₹0 Cr
Cash
Net Current Assets | -
0%₹0 Cr00

8. IDBI Gold Fund

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

Research Highlights for IDBI Gold Fund

  • Bottom quartile AUM (₹858 Cr).
  • Established history (14+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 23.38% (upper mid).
  • 3Y return: 33.16% (bottom quartile).
  • 1Y return: 13.35% (bottom quartile).
  • 1M return: -3.25% (top quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.32 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding LIC MF Gold ETF (~99.9%).
  • Top-3 holdings concentration ~100.7%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund
Growth
Launch Date 14 Aug 12
NAV (16 Oct 26) ₹37.4928 ↑ 0.26   (0.69 %)
Net Assets (Cr) ₹858 on 31 Aug 26
Category Gold - Gold
AMC IDBI Asset Management Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 0.64
Sharpe Ratio 1.32
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 Sep 21₹10,000
30 Sep 22₹10,913
30 Sep 23₹12,401
30 Sep 24₹16,093
30 Sep 25₹23,975
30 Sep 26₹30,178

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 ₹543,623.
Net Profit of ₹243,623
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 15 Oct 26

DurationReturns
1 Month -3.3%
3 Month 2.9%
6 Month -4.2%
1 Year 13.3%
3 Year 33.2%
5 Year 23.4%
10 Year
15 Year
Since launch 9.8%
Historical performance (Yearly) on absolute basis
YearReturns
2025 79%
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%
Fund Manager information for IDBI Gold Fund
NameSinceTenure
Sumit Bhatnagar1 Jun 242.25 Yr.
Sasikant Aravamuthan1 Jul 260.17 Yr.

Data below for IDBI Gold Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash2.01%
Other97.99%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC MF Gold ETF
- | -
100%₹858 Cr61,749,200
↑ 920,000
Treps
CBLO/Reverse Repo | -
0%₹4 Cr
Net Receivables / (Payables)
Net Current Assets | -
0%-₹3 Cr

9. 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 (₹7,195 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.04% (bottom quartile).
  • 3Y return: 33.10% (bottom quartile).
  • 1Y return: 13.96% (upper mid).
  • 1M return: -3.81% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.46 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Kotak Gold ETF (~99.9%).
  • Top-3 holdings concentration ~100.6%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund
Growth
Launch Date 25 Mar 11
NAV (16 Oct 26) ₹55.4649 ↑ 0.15   (0.27 %)
Net Assets (Cr) ₹7,195 on 31 Aug 26
Category Gold - Gold
AMC Kotak Mahindra Asset Management Co Ltd
Rating ☆
Risk Moderately High
Expense Ratio 0.5
Sharpe Ratio 1.46
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 Sep 21₹10,000
30 Sep 22₹10,755
30 Sep 23₹12,135
30 Sep 24₹15,649
30 Sep 25₹23,390
30 Sep 26₹29,728

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 ₹543,623.
Net Profit of ₹243,623
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 15 Oct 26

DurationReturns
1 Month -3.8%
3 Month 3.1%
6 Month -4.3%
1 Year 14%
3 Year 33.1%
5 Year 23%
10 Year
15 Year
Since launch 11.6%
Historical performance (Yearly) on absolute basis
YearReturns
2025 70.4%
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%
Fund Manager information for Kotak Gold Fund
NameSinceTenure
Abhishek Bisen25 Mar 1115.45 Yr.
Jeetu Sonar1 Oct 223.92 Yr.

Data below for Kotak Gold Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash1.61%
Other98.39%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kotak Gold ETF
- | -
100%₹7,185 Cr558,390,787
↑ 6,582,662
Triparty Repo
CBLO/Reverse Repo | -
0%₹29 Cr
Net Current Assets/(Liabilities)
Net Current Assets | -
0%-₹20 Cr

10. 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 (₹3,191 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.35% (lower mid).
  • 3Y return: 32.96% (bottom quartile).
  • 1Y return: 13.72% (lower mid).
  • 1M return: -3.83% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.42 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Axis Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.6%.

Below is the key information for Axis Gold Fund

Axis Gold Fund
Growth
Launch Date 20 Oct 11
NAV (16 Oct 26) ₹41.98 ↑ 0.18   (0.42 %)
Net Assets (Cr) ₹3,191 on 31 Aug 26
Category Gold - Gold
AMC Axis Asset Management Company Limited
Rating ☆
Risk Moderately High
Expense Ratio 0.48
Sharpe Ratio 1.42
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 Sep 21₹10,000
30 Sep 22₹10,822
30 Sep 23₹12,369
30 Sep 24₹15,904
30 Sep 25₹23,829
30 Sep 26₹30,028

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 ₹543,623.
Net Profit of ₹243,623
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 15 Oct 26

DurationReturns
1 Month -3.8%
3 Month 3.1%
6 Month -4.6%
1 Year 13.7%
3 Year 33%
5 Year 23.4%
10 Year
15 Year
Since launch 10%
Historical performance (Yearly) on absolute basis
YearReturns
2025 69.8%
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%
Fund Manager information for Axis Gold Fund
NameSinceTenure
Aditya Pagaria9 Nov 214.81 Yr.
Pratik Tibrewal1 Feb 251.58 Yr.

Data below for Axis Gold Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash2%
Other98%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Axis Gold ETF
- | -
100%₹3,190 Cr249,682,417
↑ 4,891,646
Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -
0%₹10 Cr
Net Receivables / (Payables)
Net Current Assets | -
0%-₹9 Cr

Common SIP Mistakes You Should Absolutely Avoid

Even disciplined investors can make mistakes with SIPs. The problem is often not a lack of discipline, but following habits that seem sensible at first but may not suit their Financial goals or investment horizon.

Here are some common SIP mistakes to avoid:

1. Chasing Last Year's Top Performer

Many investors simply choose a mutual fund because it delivered the highest returns in the previous year. However, market cycles change, and a fund that performed exceptionally well in one period may not remain at the top in the future. Instead of chasing the latest winner, look for consistent performance across multiple periods, along with the level of risk taken to generate those returns.

2. Starting a SIP Without a Clear Goal

A SIP works better when you know why you are investing and when you will need the money. Without a clear goal, it can become difficult to decide how much to invest, which category to choose or how long to remain invested.

Whether you are investing for a car, education, a home down payment or another financial goal, defining the objective can help you stay disciplined.

3. Pausing Your SIPs When Markets Fall

Market corrections can make investors nervous, leading them to stop their SIPs. However, one of the advantages of continuing a SIP during market declines is that your fixed investment amount can purchase more units when prices are lower. When markets recover, those additional units can contribute to the portfolio's growth.

Stopping a SIP purely because of short-term market volatility can therefore work against the long-term discipline that SIP investing is designed to encourage.

4. Choosing High-Volatility Funds for a Fixed 5-Year Goal

Small-cap, mid-cap, sectoral, thematic and certain international equity funds can experience significant fluctuations. These categories may be suitable for investors with longer horizons and a higher tolerance for market volatility. However, if you have a fixed 5-year goal and need the money on a specific date, taking excessive equity-market risk may not be appropriate.

For a 5-year goal, consider your investment horizon and risk tolerance carefully before choosing a high-volatility category.

5. Overlooking the Expense Ratio

The expense ratio is easy to ignore, but it is an important cost to consider when comparing mutual funds. Even relatively small differences in ongoing costs can affect investment outcomes over a long period. Compare the expense ratio with other funds in the same category, while also considering performance, risk and portfolio quality.

Cost should not be the only reason to choose a fund, but it should not be ignored either.

6. Never Reviewing Your SIP Investments

A SIP is not necessarily a "set and forget" investment. Your financial goals, risk tolerance and investment needs can change over time. The mutual fund itself can also undergo changes in its portfolio, fund manager or investment strategy.

A yearly review can help you check -

  • Whether the fund continues to suit your goal and risk profile
  • How it has performed against its category and benchmark
  • Whether there have been significant changes in the portfolio
  • Whether the fund's investment strategy has changed
  • Whether your overall Asset Allocation still matches your financial goals

You don't need to react to every short-term movement in the market. The purpose of a review is to make sure your investments remain aligned with your goal—not to constantly switch funds.

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SIP vs Lump Sum for a 5-Year Investment

Both SIP and lump-sum investing can be used to invest in Mutual Funds.

SIP

  • Invests money periodically
  • Reduces dependence on choosing one entry date
  • Encourages disciplined investing
  • Can help average the purchase cost over multiple market levels

Lump Sum

  • Invests a larger amount at one time
  • The investment is exposed to the market immediately
  • Can perform well when the timing and subsequent market performance are favourable
  • Can also experience a significant initial decline if markets fall after investment

There is no universal rule that SIP is always better than lump sum. The appropriate approach depends on the investor's cash flow, goal, risk tolerance and available capital.

How to Invest in Mutual Fund SIP 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!

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Frequently Asked Questions (FAQs)

1. Which SIP is best for 5 years?

A: There is no single best SIP for every investor. For a five-year goal, investors can evaluate suitable hybrid, large-cap, flexi-cap and large & mid-cap categories based on their risk tolerance and goal. The individual fund should then be evaluated on consistency, risk, costs, portfolio and other relevant factors.

2. Can SIP give guaranteed returns?

A: SIP is only an investment method. The underlying mutual fund remains subject to market risk, and returns are not guaranteed.

3. Is 5 years enough for a mutual fund investment?

A: It depends on the fund category and the investor's objective. Five years can be a reasonable horizon for some investments, but it does not guarantee positive returns, particularly for equity-oriented funds.

4. Should I stop my SIP when the market falls?

A: Not necessarily. A market fall can result in more units being purchased for the same SIP amount. However, investors should review whether the fund still suits their objective and risk tolerance rather than making decisions based solely on short-term market movements.

5. Which is better for 5 years: SIP or lump sum?

A: Neither is universally better. SIP spreads investments across time, while lump-sum investing puts the available capital into the market at once. The appropriate method depends on your financial situation, risk tolerance and investment objective.

6. Are small-cap funds suitable for a 5-year SIP?

A: Small cap funds can be significantly volatile. Investors with a fixed five-year goal should carefully assess whether they can tolerate that volatility and whether the category is appropriate for their goal.

7. Can I withdraw my SIP before five years?

A: Generally, mutual fund investments can be redeemed subject to the scheme's applicable terms, exit load and other conditions. Certain schemes may also have lock-in periods. Always check the specific scheme information before investing or redeeming.

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

In the current market environment, systematic investing through SIPs remains one of the most effective ways to build medium-term wealth.

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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