+91-22-48913909Which SIP Is Best for 5 Years? Top Mutual Fund SIPs Explained
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 ideal SIP for 5 years depends on three factors:
- your risk tolerance
- your return expectations
- and the mutual fund category you choose
For a 5-year time horizon, investors should focus on stable equity and hybrid Mutual Funds, rather than high-risk small-cap or thematic funds.
In this guide, we explain -
- which SIP categories work best for 5 years
- top performing mutual fund SIPs based on consistency
- how much return you can realistically expect
- and a step-by-step method to select the right fund for your goal
Best SIP Options for 5-Year Investment (Quick Summary)
| Investor Type | Ideal SIP Category |
|---|---|
| Conservative | Hybrid Fund |
| Moderate | Flexi Cap Funds |
| Moderate–Aggressive | Large & mid cap funds |
| High Risk | Ideally not recommended for 5 years |
- Small-cap and sectoral funds are generally not suitable for a 5-year SIP due to high Volatility.
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 funds 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.
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
Best SIP Plans for 5 Year Investment in FY 26 - 27
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) DSP World Gold Fund Growth ₹50.5929
↑ 0.21 ₹1,433 500 -16.1 -23.5 60.9 43.8 23.4 167.1 SBI Gold Fund Growth ₹41.1608
↓ -0.63 ₹15,294 500 -4.8 -14 42.4 32 22.9 71.5 IDBI Gold Fund Growth ₹36.5397
↓ -0.39 ₹757 500 -4.6 -13.3 42 31.9 22.8 79 ICICI Prudential Regular Gold Savings Fund Growth ₹43.49
↓ -0.70 ₹6,265 100 -4.8 -14.4 42.2 31.9 22.7 72 HDFC Gold Fund Growth ₹41.9742
↓ -0.62 ₹11,019 300 -4.9 -14 42.1 31.8 22.7 71.3 Aditya Birla Sun Life Gold Fund Growth ₹40.883
↓ -0.56 ₹1,648 100 -4.9 -13.9 42.4 31.8 22.7 72 Kotak Gold Fund Growth ₹53.9506
↓ -0.83 ₹6,422 1,000 -4.7 -14 42.1 31.7 22.5 70.4 Nippon India Gold Savings Fund Growth ₹53.7349
↓ -0.82 ₹6,854 100 -4.8 -14.1 41.9 31.6 22.6 71.2 Axis Gold Fund Growth ₹40.8099
↓ -0.67 ₹2,828 1,000 -4.8 -14.6 41.8 31.5 22.7 69.8 DSP US Flexible Equity Fund Growth ₹91.3727
↓ -0.64 ₹1,291 500 4 13.7 40.3 25.1 17.6 33.8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jul 26 Research Highlights & Commentary of 10 Funds showcased
Commentary DSP World Gold Fund SBI Gold Fund IDBI Gold Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Aditya Birla Sun Life Gold Fund Kotak Gold Fund Nippon India Gold Savings Fund Axis Gold Fund DSP US Flexible Equity Fund Point 1 Bottom quartile AUM (₹1,433 Cr). Highest AUM (₹15,294 Cr). Bottom quartile AUM (₹757 Cr). Upper mid AUM (₹6,265 Cr). Top quartile AUM (₹11,019 Cr). Lower mid AUM (₹1,648 Cr). Upper mid AUM (₹6,422 Cr). Upper mid AUM (₹6,854 Cr). Lower mid AUM (₹2,828 Cr). Bottom quartile AUM (₹1,291 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (14+ yrs). Established history (13+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (14+ yrs). Established history (13+ yrs). Point 3 Rating: 3★ (top quartile). Rating: 2★ (upper mid). Not Rated. Rating: 1★ (lower mid). Rating: 1★ (lower mid). Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Rating: 2★ (upper mid). Rating: 1★ (bottom quartile). Top rated. 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: 23.36% (top quartile). 5Y return: 22.91% (top quartile). 5Y return: 22.81% (upper mid). 5Y return: 22.72% (upper mid). 5Y return: 22.72% (lower mid). 5Y return: 22.73% (upper mid). 5Y return: 22.48% (bottom quartile). 5Y return: 22.62% (bottom quartile). 5Y return: 22.72% (lower mid). 5Y return: 17.56% (bottom quartile). Point 6 3Y return: 43.83% (top quartile). 3Y return: 31.97% (top quartile). 3Y return: 31.95% (upper mid). 3Y return: 31.87% (upper mid). 3Y return: 31.79% (upper mid). 3Y return: 31.79% (lower mid). 3Y return: 31.69% (lower mid). 3Y return: 31.63% (bottom quartile). 3Y return: 31.49% (bottom quartile). 3Y return: 25.08% (bottom quartile). Point 7 1Y return: 60.94% (top quartile). 1Y return: 42.42% (top quartile). 1Y return: 42.03% (lower mid). 1Y return: 42.17% (upper mid). 1Y return: 42.10% (lower mid). 1Y return: 42.41% (upper mid). 1Y return: 42.12% (upper mid). 1Y return: 41.88% (bottom quartile). 1Y return: 41.82% (bottom quartile). 1Y return: 40.25% (bottom quartile). Point 8 Alpha: 2.12 (top quartile). 1M return: 1.80% (lower mid). 1M return: 1.45% (bottom quartile). 1M return: 2.00% (top quartile). 1M return: 1.84% (upper mid). 1M return: 1.76% (lower mid). 1M return: 1.85% (upper mid). 1M return: 1.60% (bottom quartile). 1M return: 1.94% (upper mid). Alpha: -4.10 (bottom quartile). Point 9 Sharpe: 1.22 (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). Sharpe: 1.93 (top quartile). Point 10 Information ratio: -0.50 (bottom quartile). Sharpe: 1.29 (upper mid). Sharpe: 1.22 (lower mid). Sharpe: 1.22 (lower mid). Sharpe: 1.28 (upper mid). Sharpe: 1.20 (bottom quartile). Sharpe: 1.38 (top quartile). Sharpe: 1.19 (bottom quartile). Sharpe: 1.35 (upper mid). Information ratio: 0.15 (top quartile). DSP World Gold Fund
SBI Gold Fund
IDBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
HDFC Gold Fund
Aditya Birla Sun Life Gold Fund
Kotak Gold Fund
Nippon India Gold Savings Fund
Axis Gold Fund
DSP US Flexible 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 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 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 Below is the key information for IDBI 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 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 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 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 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 The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. 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 money market/liquid schemes of DSP BlackRock 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. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF. Research Highlights for DSP US Flexible Equity Fund Below is the key information for DSP US Flexible 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 (27 Jul 26) ₹50.5929 ↑ 0.21 (0.42 %) Net Assets (Cr) ₹1,433 on 30 Jun 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.22 Information Ratio -0.5 Alpha Ratio 2.12 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 Jun 21 ₹10,000 30 Jun 22 ₹8,181 30 Jun 23 ₹9,294 30 Jun 24 ₹10,640 30 Jun 25 ₹16,808 30 Jun 26 ₹27,693 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month 2.9% 3 Month -16.1% 6 Month -23.5% 1 Year 60.9% 3 Year 43.8% 5 Year 23.4% 10 Year 15 Year Since launch 9% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Kaivalya Nadkarni 1 May 25 1.17 Yr. Data below for DSP World Gold Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Basic Materials 94.47% Asset Allocation
Asset Class Value Cash 3.62% Equity 94.47% Debt 0% Other 1.91% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -68% ₹1,141 Cr 1,005,044 VanEck Gold Miners ETF
- | GDX29% ₹490 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -3% ₹54 Cr Net Receivables/Payables
Net Current Assets | -0% -₹6 Cr 2. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (28 Jul 26) ₹41.1608 ↓ -0.63 (-1.50 %) Net Assets (Cr) ₹15,294 on 30 Jun 26 Category Gold - Gold AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.3 Sharpe Ratio 1.29 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 Jun 21 ₹10,000 30 Jun 22 ₹10,828 30 Jun 23 ₹12,154 30 Jun 24 ₹14,949 30 Jun 25 ₹19,644 30 Jun 26 ₹28,455 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month 1.8% 3 Month -4.8% 6 Month -14% 1 Year 42.4% 3 Year 32% 5 Year 22.9% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Viral Chhadva 1 Mar 26 0.33 Yr. Data below for SBI Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.64% Other 98.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -100% ₹16,542 Cr 1,246,686,194
↑ 13,950,000 Net Receivable / Payable
CBLO | -0% -₹55 Cr Treps
CBLO/Reverse Repo | -0% ₹45 Cr 3. IDBI Gold Fund
IDBI Gold Fund
Growth Launch Date 14 Aug 12 NAV (28 Jul 26) ₹36.5397 ↓ -0.39 (-1.04 %) Net Assets (Cr) ₹757 on 30 Jun 26 Category Gold - Gold AMC IDBI Asset Management Limited Rating Risk Moderately High Expense Ratio 0.64 Sharpe Ratio 1.22 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,739 30 Jun 23 ₹12,175 30 Jun 24 ₹14,979 30 Jun 25 ₹19,637 30 Jun 26 ₹28,198 Returns for IDBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month 1.5% 3 Month -4.6% 6 Month -13.3% 1 Year 42% 3 Year 31.9% 5 Year 22.8% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Sumit Bhatnagar 1 Jun 24 2.08 Yr. Data below for IDBI Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.65% Other 98.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC MF Gold ETF
- | -100% ₹823 Cr 58,774,200
↑ 705,000 Treps
CBLO/Reverse Repo | -0% ₹3 Cr Net Receivables / (Payables)
CBLO | -0% -₹2 Cr 4. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (28 Jul 26) ₹43.49 ↓ -0.70 (-1.58 %) Net Assets (Cr) ₹6,265 on 30 Jun 26 Category Gold - Gold AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.38 Sharpe Ratio 1.22 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 Jun 21 ₹10,000 30 Jun 22 ₹10,811 30 Jun 23 ₹12,106 30 Jun 24 ₹14,939 30 Jun 25 ₹19,567 30 Jun 26 ₹28,290 Returns for ICICI Prudential Regular Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month 2% 3 Month -4.8% 6 Month -14.4% 1 Year 42.2% 3 Year 31.9% 5 Year 22.7% 10 Year 15 Year Since launch 10.4% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Manish Banthia 27 Sep 12 13.77 Yr. Nishit Patel 29 Dec 20 5.51 Yr. Ashwini Bharucha 1 Nov 25 0.66 Yr. Venus Ahuja 1 Nov 25 0.66 Yr. Data below for ICICI Prudential Regular Gold Savings Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.86% Other 98.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -100% ₹6,851 Cr 514,675,516
↑ 10,666,563 Treps
CBLO/Reverse Repo | -0% ₹22 Cr Net Current Assets
Net Current Assets | -0% -₹18 Cr 5. HDFC Gold Fund
HDFC Gold Fund
Growth Launch Date 24 Oct 11 NAV (28 Jul 26) ₹41.9742 ↓ -0.62 (-1.46 %) Net Assets (Cr) ₹11,019 on 30 Jun 26 Category Gold - Gold AMC HDFC Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.49 Sharpe Ratio 1.28 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 Jun 21 ₹10,000 30 Jun 22 ₹10,756 30 Jun 23 ₹12,087 30 Jun 24 ₹14,920 30 Jun 25 ₹19,484 30 Jun 26 ₹28,127 Returns for HDFC Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month 1.8% 3 Month -4.9% 6 Month -14% 1 Year 42.1% 3 Year 31.8% 5 Year 22.7% 10 Year 15 Year Since launch 10.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Arun Agarwal 15 Feb 23 3.38 Yr. Nandita Menezes 29 Mar 25 1.26 Yr. Data below for HDFC Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.47% Other 98.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Gold ETF
- | -100% ₹12,121 Cr 912,670,937
↑ 12,580,000 Treps - Tri-Party Repo
CBLO/Reverse Repo | -0% ₹17 Cr Net Current Assets
Net Current Assets | -0% -₹17 Cr 6. Aditya Birla Sun Life Gold Fund
Aditya Birla Sun Life Gold Fund
Growth Launch Date 20 Mar 12 NAV (28 Jul 26) ₹40.883 ↓ -0.56 (-1.34 %) Net Assets (Cr) ₹1,648 on 30 Jun 26 Category Gold - Gold AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.51 Sharpe Ratio 1.2 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 Jun 21 ₹10,000 30 Jun 22 ₹10,697 30 Jun 23 ₹12,029 30 Jun 24 ₹14,752 30 Jun 25 ₹19,394 30 Jun 26 ₹28,089 Returns for Aditya Birla Sun Life Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month 1.8% 3 Month -4.9% 6 Month -13.9% 1 Year 42.4% 3 Year 31.8% 5 Year 22.7% 10 Year 15 Year Since launch 10.3% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Priya Sridhar 31 Dec 24 1.5 Yr. Data below for Aditya Birla Sun Life Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.57% Other 98.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya BSL Gold ETF
- | -100% ₹1,821 Cr 133,076,381
↑ 939,171 Clearing Corporation Of India Limited
CBLO/Reverse Repo | -0% ₹5 Cr Net Receivables / (Payables)
Net Current Assets | -0% -₹4 Cr 7. Kotak Gold Fund
Kotak Gold Fund
Growth Launch Date 25 Mar 11 NAV (28 Jul 26) ₹53.9506 ↓ -0.83 (-1.51 %) Net Assets (Cr) ₹6,422 on 30 Jun 26 Category Gold - Gold AMC Kotak Mahindra Asset Management Co Ltd Rating ☆ Risk Moderately High Expense Ratio 0.5 Sharpe Ratio 1.38 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 Jun 21 ₹10,000 30 Jun 22 ₹10,677 30 Jun 23 ₹11,934 30 Jun 24 ₹14,710 30 Jun 25 ₹19,261 30 Jun 26 ₹27,849 Returns for Kotak Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month 1.9% 3 Month -4.7% 6 Month -14% 1 Year 42.1% 3 Year 31.7% 5 Year 22.5% 10 Year 15 Year Since launch 11.6% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Abhishek Bisen 25 Mar 11 15.28 Yr. Jeetu Sonar 1 Oct 22 3.75 Yr. Data below for Kotak Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.6% Other 98.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kotak Gold ETF
- | -100% ₹7,050 Cr 542,538,125
↑ 6,708,000 Triparty Repo
CBLO/Reverse Repo | -0% ₹26 Cr Net Current Assets/(Liabilities)
Net Current Assets | -0% -₹11 Cr 8. Nippon India Gold Savings Fund
Nippon India Gold Savings Fund
Growth Launch Date 7 Mar 11 NAV (28 Jul 26) ₹53.7349 ↓ -0.82 (-1.51 %) Net Assets (Cr) ₹6,854 on 30 Jun 26 Category Gold - Gold AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderately High Expense Ratio 0.35 Sharpe Ratio 1.19 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 Jun 21 ₹10,000 30 Jun 22 ₹10,753 30 Jun 23 ₹12,075 30 Jun 24 ₹14,797 30 Jun 25 ₹19,451 30 Jun 26 ₹28,091 Returns for Nippon India Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month 1.6% 3 Month -4.8% 6 Month -14.1% 1 Year 41.9% 3 Year 31.6% 5 Year 22.6% 10 Year 15 Year Since launch 11.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Himanshu Mange 23 Dec 23 2.52 Yr. Data below for Nippon India Gold Savings Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.61% Other 98.39% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nippon India ETF Gold BeES
- | -100% ₹7,553 Cr 587,063,572
↑ 5,276,000 Triparty Repo
CBLO/Reverse Repo | -0% ₹13 Cr Net Current Assets
Net Current Assets | -0% -₹12 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 9. Axis Gold Fund
Axis Gold Fund
Growth Launch Date 20 Oct 11 NAV (28 Jul 26) ₹40.8099 ↓ -0.67 (-1.62 %) Net Assets (Cr) ₹2,828 on 30 Jun 26 Category Gold - Gold AMC Axis Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.5 Sharpe Ratio 1.35 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 Jun 21 ₹10,000 30 Jun 22 ₹10,819 30 Jun 23 ₹12,177 30 Jun 24 ₹14,959 30 Jun 25 ₹19,547 30 Jun 26 ₹28,179 Returns for Axis Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month 1.9% 3 Month -4.8% 6 Month -14.6% 1 Year 41.8% 3 Year 31.5% 5 Year 22.7% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Aditya Pagaria 9 Nov 21 4.64 Yr. Pratik Tibrewal 1 Feb 25 1.41 Yr. Data below for Axis Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.81% Other 98.19% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Gold ETF
- | -100% ₹3,091 Cr 238,687,058
↑ 2,659,572 Clearing Corporation Of India Ltd
CBLO | -0% ₹6 Cr Net Receivables / (Payables)
CBLO | -0% -₹5 Cr 10. DSP US Flexible Equity Fund
DSP US Flexible Equity Fund
Growth Launch Date 3 Aug 12 NAV (27 Jul 26) ₹91.3727 ↓ -0.64 (-0.70 %) Net Assets (Cr) ₹1,291 on 30 Jun 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.55 Sharpe Ratio 1.93 Information Ratio 0.15 Alpha Ratio -4.1 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 Jun 21 ₹10,000 30 Jun 22 ₹9,273 30 Jun 23 ₹11,265 30 Jun 24 ₹13,557 30 Jun 25 ₹15,785 30 Jun 26 ₹23,371 Returns for DSP US Flexible Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 26 Duration Returns 1 Month -0.5% 3 Month 4% 6 Month 13.7% 1 Year 40.3% 3 Year 25.1% 5 Year 17.6% 10 Year 15 Year Since launch 17.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 33.8% 2024 17.8% 2023 22% 2022 -5.9% 2021 24.2% 2020 22.6% 2019 27.5% 2018 -1.1% 2017 15.5% 2016 9.8% Fund Manager information for DSP US Flexible Equity Fund
Name Since Tenure Kaivalya Nadkarni 1 May 25 1.17 Yr. Data below for DSP US Flexible Equity Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Technology 33.05% Industrials 13.62% Financial Services 12.17% Communication Services 12.05% Consumer Cyclical 9.62% Health Care 7.65% Basic Materials 2.45% Energy 2.43% Asset Allocation
Asset Class Value Cash 6.96% Equity 93.02% Debt 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF US Flexible Equity I2
Investment Fund | -96% ₹1,265 Cr 1,784,131
↓ -32,921 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -4% ₹59 Cr Net Receivables/Payables
Net Current Assets | -0% -₹2 Cr
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!
Frequently Asked Questions (FAQs)
1. Which SIP is best for 5 years with low risk?
A: Hybrid funds and large-cap funds are suitable, but there is still there could be some risk attached.
2. Can SIP give guaranteed returns?
A: No. Mutual funds are market-linked.
3. Should I stop SIP if market falls?
A: No. Market corrections benefit SIP investors.
4. Is lump sum better than SIP for 5 years?
A: For most investors, SIP is safer due to volatility control.
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.
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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