10, 20 বছরের বিনিয়োগ 2022-এর জন্য 10টি সেরা SIP প্ল্যান৷

Updated on September 28, 2026 , 234475 views

সেরা SIP পরিকল্পনা? কিভাবে তাদের নির্বাচন করতে? এগুলি এমন কিছু সাধারণ প্রশ্ন যা চিন্তা করার সময় বিনিয়োগকারীদের মনে আসেমিউচুয়াল ফান্ডে বিনিয়োগ একটি মাধ্যমেচুমুক বা পদ্ধতিগতবিনিয়োগ পরিকল্পনা.এসআইপি বিনিয়োগ সবচেয়ে সুশৃঙ্খল একবিনিয়োগ বিনিয়োগ করার সময় বিকল্পযৌথ পুঁজি.

তদুপরি, একটি SIP মিউচুয়াল ফান্ডে বিনিয়োগের সর্বনিম্ন পরিমাণ INR 500-এর মতো কম। এটি বিনিয়োগ করেশীর্ষ SIP অনেক সুবিধাজনক পরিকল্পনা.

কেন আপনার এসআইপি বা সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যানে বিনিয়োগ করা উচিত?

কিছুবিনিয়োগের সুবিধা একটি এসআইপিতে রয়েছে:

যৌগিক শক্তি

সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যানও এর সুবিধা দেয়যৌগিক শক্তি. সহজ সুদ হল যখন আপনি শুধুমাত্র মূলের উপর সুদ পান। চক্রবৃদ্ধি সুদের ক্ষেত্রে, সুদের পরিমাণ মূলে যোগ করা হয়, এবং সুদের নতুন মূল (পুরাতন মূল এবং লাভ) এর উপর গণনা করা হয়। এই প্রক্রিয়া প্রতিবার চলতে থাকে। যেহেতু এসআইপি-তে মিউচুয়াল ফান্ডগুলি কিস্তিতে থাকে, সেগুলি চক্রবৃদ্ধি করা হয়, যা প্রাথমিকভাবে বিনিয়োগকৃত রাশিতে আরও যোগ করে।

রুপি খরচ গড়

একটি পদ্ধতিগত বিনিয়োগ পরিকল্পনার সবচেয়ে বড় সুবিধা হল রুপি কস্ট অ্যাভারেজিং যা একজন ব্যক্তিকে সম্পদ ক্রয়ের খরচ গড়তে সাহায্য করে। একটি মিউচুয়াল ফান্ডে একমুঠো বিনিয়োগ করার সময় একটি নির্দিষ্ট সংখ্যক ইউনিট ক্রয় করেবিনিয়োগকারী একযোগে, একটি SIP-এর ক্ষেত্রে ইউনিট ক্রয় দীর্ঘ সময়ের জন্য করা হয় এবং এগুলি মাসিক ব্যবধানে (সাধারণত) সমানভাবে ছড়িয়ে দেওয়া হয়। সময়ের সাথে সাথে বিনিয়োগ ছড়িয়ে পড়ার কারণে, বিনিয়োগটি স্টকে তৈরি হয়বাজার বিভিন্ন মূল্য পয়েন্টে বিনিয়োগকারীকে গড় খরচের সুবিধা দেয়, তাই রুপি খরচ গড় শব্দটি।

সামর্থ্য

জনসাধারণের জন্য সঞ্চয় শুরু করার জন্য SIP একটি অত্যন্ত সাশ্রয়ী বিকল্প কারণ প্রতিটি কিস্তির জন্য প্রয়োজনীয় ন্যূনতম পরিমাণ (তাও মাসিক!) INR 500-এর মতো হতে পারে। কিছু মিউচুয়াল ফান্ড কোম্পানি এমনকি একটি নামক কিছু অফার করে।মাইক্রোএসআইপি যেখানে টিকিটের আকার INR 100 এর মতো কম।

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ঝুঁকি হ্রাস

প্রদত্ত যে একটি সুশৃঙ্খল বিনিয়োগ পরিকল্পনা দীর্ঘ সময়ের মধ্যে বিস্তৃত থাকে, কেউ শেয়ার বাজারের সমস্ত সময়কাল, উত্থান এবং আরও গুরুত্বপূর্ণভাবে মন্দাকে ধরে রাখে। মন্দার সময়ে, যখন ভয় বেশির ভাগ বিনিয়োগকারীদের ধরে ফেলে, তখন SIP কিস্তি বিনিয়োগকারীদের কেনা নিশ্চিত করেকম.

22 - 23 অর্থবছরে 10, 20 বছরের বিনিয়োগের জন্য সেরা SIP পরিকল্পনা৷

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹58.7417 ↓ -0.07	₹1,828	500	18.7	6.9	32.2	56.6	30.1	167.1
SBI Gold Fund Growth	₹42.8684 ↑ 0.40	₹17,647	500	4.9	0.2	26.5	35	24.9	71.5
Invesco India Gold Fund Growth	₹41.3227 ↑ 0.50	₹511	500	5.6	1.5	27.6	34.5	24.7	69.6
IDBI Gold Fund Growth	₹37.8169 ↑ 0.17	₹858	500	4.5	1.1	25.9	34.5	24.7	79
ICICI Prudential Regular Gold Savings Fund Growth	₹45.2658 ↑ 0.40	₹7,149	100	4.8	0.3	26	34.9	24.7	72
HDFC Gold Fund Growth	₹43.6658 ↑ 0.34	₹12,359	300	4.9	0.5	26.1	34.7	24.7	71.3
Nippon India Gold Savings Fund Growth	₹55.8998 ↑ 0.44	₹7,602	100	4.8	0.2	26.4	34.6	24.6	71.2
Aditya Birla Sun Life Gold Fund Growth	₹42.5085 ↑ 0.32	₹1,843	100	4.8	0.7	26.3	34.6	24.6	72
Axis Gold Fund Growth	₹42.4558 ↑ 0.38	₹3,191	1,000	4.8	0.5	26	34.4	24.6	69.8
Kotak Gold Fund Growth	₹56.1912 ↑ 0.50	₹7,195	1,000	4.9	0.5	27.1	34.8	24.3	70.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	SBI Gold Fund	Invesco India Gold Fund	IDBI Gold Fund	ICICI Prudential Regular Gold Savings Fund	HDFC Gold Fund	Nippon India Gold Savings Fund	Aditya Birla Sun Life Gold Fund	Axis Gold Fund	Kotak Gold Fund
Point 1	Bottom quartile AUM (₹1,828 Cr).	Highest AUM (₹17,647 Cr).	Bottom quartile AUM (₹511 Cr).	Bottom quartile AUM (₹858 Cr).	Upper mid AUM (₹7,149 Cr).	Top quartile AUM (₹12,359 Cr).	Upper mid AUM (₹7,602 Cr).	Lower mid AUM (₹1,843 Cr).	Lower mid AUM (₹3,191 Cr).	Upper mid AUM (₹7,195 Cr).
Point 2	Oldest track record among peers (19 yrs).	Established history (15+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 2★ (upper mid).	Rating: 3★ (top quartile).	Not Rated.	Rating: 1★ (lower mid).	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).
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: Moderately High.
Point 5	5Y return: 30.10% (top quartile).	5Y return: 24.85% (top quartile).	5Y return: 24.73% (upper mid).	5Y return: 24.72% (upper mid).	5Y return: 24.69% (upper mid).	5Y return: 24.68% (lower mid).	5Y return: 24.62% (lower mid).	5Y return: 24.62% (bottom quartile).	5Y return: 24.60% (bottom quartile).	5Y return: 24.35% (bottom quartile).
Point 6	3Y return: 56.58% (top quartile).	3Y return: 35.01% (top quartile).	3Y return: 34.54% (bottom quartile).	3Y return: 34.51% (bottom quartile).	3Y return: 34.92% (upper mid).	3Y return: 34.71% (upper mid).	3Y return: 34.64% (lower mid).	3Y return: 34.65% (lower mid).	3Y return: 34.40% (bottom quartile).	3Y return: 34.80% (upper mid).
Point 7	1Y return: 32.18% (top quartile).	1Y return: 26.45% (upper mid).	1Y return: 27.59% (top quartile).	1Y return: 25.88% (bottom quartile).	1Y return: 25.96% (bottom quartile).	1Y return: 26.08% (lower mid).	1Y return: 26.41% (upper mid).	1Y return: 26.28% (lower mid).	1Y return: 26.02% (bottom quartile).	1Y return: 27.10% (upper mid).
Point 8	Alpha: 4.18 (top quartile).	1M return: -4.48% (upper mid).	1M return: -3.62% (top quartile).	1M return: -4.77% (bottom quartile).	1M return: -4.33% (upper mid).	1M return: -4.64% (lower mid).	1M return: -4.52% (upper mid).	1M return: -4.72% (bottom quartile).	1M return: -4.19% (top quartile).	1M return: -4.53% (lower mid).
Point 9	Sharpe: 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 10	Information ratio: -1.01 (bottom quartile).	Sharpe: 1.38 (upper mid).	Sharpe: 1.38 (upper mid).	Sharpe: 1.32 (lower mid).	Sharpe: 1.30 (lower mid).	Sharpe: 1.38 (upper mid).	Sharpe: 1.27 (bottom quartile).	Sharpe: 1.28 (bottom quartile).	Sharpe: 1.42 (top quartile).	Sharpe: 1.46 (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: 30.10% (top quartile).
3Y return: 56.58% (top quartile).
1Y return: 32.18% (top quartile).
Alpha: 4.18 (top quartile).
Sharpe: 1.25 (bottom quartile).
Information ratio: -1.01 (bottom quartile).

SBI Gold Fund

Highest AUM (₹17,647 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.85% (top quartile).
3Y return: 35.01% (top quartile).
1Y return: 26.45% (upper mid).
1M return: -4.48% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 1.38 (upper mid).

Invesco India Gold Fund

Bottom quartile AUM (₹511 Cr).
Established history (14+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 24.73% (upper mid).
3Y return: 34.54% (bottom quartile).
1Y return: 27.59% (top quartile).
1M return: -3.62% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.38 (upper mid).

IDBI Gold Fund

Bottom quartile AUM (₹858 Cr).
Established history (14+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.72% (upper mid).
3Y return: 34.51% (bottom quartile).
1Y return: 25.88% (bottom quartile).
1M return: -4.77% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.32 (lower mid).

ICICI Prudential Regular Gold Savings Fund

Upper mid AUM (₹7,149 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.69% (upper mid).
3Y return: 34.92% (upper mid).
1Y return: 25.96% (bottom quartile).
1M return: -4.33% (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: 24.68% (lower mid).
3Y return: 34.71% (upper mid).
1Y return: 26.08% (lower mid).
1M return: -4.64% (lower mid).
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: 24.62% (lower mid).
3Y return: 34.64% (lower mid).
1Y return: 26.41% (upper mid).
1M return: -4.52% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.27 (bottom quartile).

Aditya Birla Sun Life Gold Fund

Lower mid AUM (₹1,843 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.62% (bottom quartile).
3Y return: 34.65% (lower mid).
1Y return: 26.28% (lower mid).
1M return: -4.72% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.28 (bottom quartile).

Axis Gold Fund

Lower mid AUM (₹3,191 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.60% (bottom quartile).
3Y return: 34.40% (bottom quartile).
1Y return: 26.02% (bottom quartile).
1M return: -4.19% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.42 (top quartile).

Kotak Gold Fund

Upper mid AUM (₹7,195 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.35% (bottom quartile).
3Y return: 34.80% (upper mid).
1Y return: 27.10% (upper mid).
1M return: -4.53% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.46 (top quartile).

* নীচের তহবিল সেরা বিবেচনা করা হয়সিএজিআর 5 বছরের বেশি সময় ধরে রিটার্ন এবং তহবিলের কমপক্ষে 5 বছরের বাজার ইতিহাস (ফান্ড বয়স) এবং ন্যূনতম থাকা500 কোটি ব্যবস্থাপনা অধীনে সম্পদ.

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: 30.10% (top quartile).
3Y return: 56.58% (top quartile).
1Y return: 32.18% (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 (29 Sep 26)	₹58.7417 ↓ -0.07 (-0.12 %)
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.

Date	Value
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

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 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 29 Sep 26

Duration	Returns
1 Month	-11.9%
3 Month	18.7%
6 Month	6.9%
1 Year	32.2%
3 Year	56.6%
5 Year	30.1%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.34 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	92.97%

Asset Allocation

Asset Class	Value
Cash	4.49%
Equity	93.67%
Debt	0%
Other	1.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	67%	₹1,220 Cr	958,135 ↓ -25,317
VanEck Gold Miners ETF - \| GDX	30%	₹539 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹74 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹5 Cr

2. SBI Gold Fund

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

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: 24.85% (top quartile).
3Y return: 35.01% (top quartile).
1Y return: 26.45% (upper mid).
1M return: -4.48% (upper mid).
Alpha: 0.00 (top quartile).
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 (30 Sep 26)	₹42.8684 ↑ 0.40 (0.94 %)
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.

Date	Value
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

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 29 Sep 26

Duration	Returns
1 Month	-4.5%
3 Month	4.9%
6 Month	0.2%
1 Year	26.5%
3 Year	35%
5 Year	24.9%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	71.5%
2023	19.6%
2022	14.1%
2021	12.6%
2020	-5.7%
2019	27.4%
2018	22.8%
2017	6.4%
2016	3.5%
2015	10%

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Viral Chhadva	1 Mar 26	0.5 Yr.

Data below for SBI Gold Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	1.66%
Other	98.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹17,670 Cr	1,344,259,063 ↑ 34,849,724
Net Receivable / Payable CBLO \| -	0%	-₹88 Cr
Treps CBLO/Reverse Repo \| -	0%	₹65 Cr

3. 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★ (top quartile).
Risk profile: Moderately High.
5Y return: 24.73% (upper mid).
3Y return: 34.54% (bottom quartile).
1Y return: 27.59% (top quartile).
1M return: -3.62% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.38 (upper mid).
Information ratio: 0.00 (top quartile).
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 (30 Sep 26)	₹41.3227 ↑ 0.50 (1.23 %)
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.

Date	Value
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

Invesco India Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 29 Sep 26

Duration	Returns
1 Month	-3.6%
3 Month	5.6%
6 Month	1.5%
1 Year	27.6%
3 Year	34.5%
5 Year	24.7%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	69.6%
2023	18.8%
2022	14.5%
2021	12.8%
2020	-5.5%
2019	27.2%
2018	21.4%
2017	6.6%
2016	1.3%
2015	21.6%

Fund Manager information for Invesco India Gold Fund

Name	Since	Tenure
Abhisek Bahinipati	1 Nov 25	0.83 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.38%
Other	95.62%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Invesco India Gold ETF - \| -	97%	₹497 Cr	37,122,455 ↑ 290,375
Triparty Repo CBLO/Reverse Repo \| -	3%	₹15 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹1 Cr

4. 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: 24.72% (upper mid).
3Y return: 34.51% (bottom quartile).
1Y return: 25.88% (bottom quartile).
1M return: -4.77% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.32 (lower mid).
Information ratio: 0.00 (upper 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 (30 Sep 26)	₹37.8169 ↑ 0.17 (0.45 %)
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.

Date	Value
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

IDBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 29 Sep 26

Duration	Returns
1 Month	-4.8%
3 Month	4.5%
6 Month	1.1%
1 Year	25.9%
3 Year	34.5%
5 Year	24.7%
10 Year
15 Year
Since launch	9.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	79%
2023	18.7%
2022	14.8%
2021	12%
2020	-4%
2019	24.2%
2018	21.6%
2017	5.8%
2016	1.4%
2015	8.3%

Fund Manager information for IDBI Gold Fund

Name	Since	Tenure
Sumit Bhatnagar	1 Jun 24	2.25 Yr.
Sasikant Aravamuthan	1 Jul 26	0.17 Yr.

Data below for IDBI Gold Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	2.01%
Other	97.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC MF Gold ETF - \| -	100%	₹858 Cr	61,749,200 ↑ 920,000
Treps CBLO/Reverse Repo \| -	0%	₹4 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹3 Cr

5. ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF). However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential Regular Gold Savings Fund

Upper mid AUM (₹7,149 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.69% (upper mid).
3Y return: 34.92% (upper mid).
1Y return: 25.96% (bottom quartile).
1M return: -4.33% (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 (30 Sep 26)	₹45.2658 ↑ 0.40 (0.90 %)
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.

Date	Value
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

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 29 Sep 26

Duration	Returns
1 Month	-4.3%
3 Month	4.8%
6 Month	0.3%
1 Year	26%
3 Year	34.9%
5 Year	24.7%
10 Year
15 Year
Since launch	10.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	72%
2023	19.5%
2022	13.5%
2021	12.7%
2020	-5.4%
2019	26.6%
2018	22.7%
2017	7.4%
2016	0.8%
2015	8.9%

Fund Manager information for ICICI Prudential Regular Gold Savings Fund

Name	Since	Tenure
Manish Banthia	27 Sep 12	13.94 Yr.
Nishit Patel	29 Dec 20	5.68 Yr.
Ashwini Bharucha	1 Nov 25	0.83 Yr.
Venus Ahuja	1 Nov 25	0.83 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.97%
Other	98.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹7,146 Cr	542,514,944 ↑ 15,652,284
Treps CBLO/Reverse Repo \| -	0%	₹31 Cr
Net Current Assets Net Current Assets \| -	0%	-₹28 Cr

6. 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: 24.68% (lower mid).
3Y return: 34.71% (upper mid).
1Y return: 26.08% (lower mid).
1M return: -4.64% (lower mid).
Alpha: 0.00 (lower 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 (30 Sep 26)	₹43.6658 ↑ 0.34 (0.79 %)
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.

Date	Value
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

HDFC Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 29 Sep 26

Duration	Returns
1 Month	-4.6%
3 Month	4.9%
6 Month	0.5%
1 Year	26.1%
3 Year	34.7%
5 Year	24.7%
10 Year
15 Year
Since launch	10.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	71.3%
2023	18.9%
2022	14.1%
2021	12.7%
2020	-5.5%
2019	27.5%
2018	21.7%
2017	6.6%
2016	2.8%
2015	10.1%

Fund Manager information for HDFC Gold Fund

Name	Since	Tenure
Arun Agarwal	15 Feb 23	3.55 Yr.
Nandita Menezes	29 Mar 25	1.43 Yr.

Data below for HDFC Gold Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	1.49%
Other	98.51%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	100%	₹12,368 Cr	938,277,168 ↑ 12,630,000
Net Current Assets Net Current Assets \| -	0%	-₹23 Cr
Treps - Tri-Party Repo CBLO/Reverse Repo \| -	0%	₹13 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: 24.62% (lower mid).
3Y return: 34.64% (lower mid).
1Y return: 26.41% (upper mid).
1M return: -4.52% (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 (30 Sep 26)	₹55.8998 ↑ 0.44 (0.79 %)
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.

Date	Value
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

Nippon India Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 29 Sep 26

Duration	Returns
1 Month	-4.5%
3 Month	4.8%
6 Month	0.2%
1 Year	26.4%
3 Year	34.6%
5 Year	24.6%
10 Year
15 Year
Since launch	11.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	71.2%
2023	19%
2022	14.3%
2021	12.3%
2020	-5.5%
2019	26.6%
2018	22.5%
2017	6%
2016	1.7%
2015	11.6%

Fund Manager information for Nippon India Gold Savings Fund

Name	Since	Tenure
Himanshu Mange	23 Dec 23	2.69 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.64%
Other	98.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Nippon India ETF Gold BeES - \| -	100%	₹7,605 Cr	597,305,572 ↑ 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 Cr	00

8. 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★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.62% (bottom quartile).
3Y return: 34.65% (lower mid).
1Y return: 26.28% (lower mid).
1M return: -4.72% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.28 (bottom quartile).
Information ratio: 0.00 (lower mid).
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 (30 Sep 26)	₹42.5085 ↑ 0.32 (0.75 %)
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.

Date	Value
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

Aditya Birla Sun Life Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 29 Sep 26

Duration	Returns
1 Month	-4.7%
3 Month	4.8%
6 Month	0.7%
1 Year	26.3%
3 Year	34.6%
5 Year	24.6%
10 Year
15 Year
Since launch	10.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	72%
2023	18.7%
2022	14.5%
2021	12.3%
2020	-5%
2019	26%
2018	21.3%
2017	6.8%
2016	1.6%
2015	11.5%

Fund Manager information for Aditya Birla Sun Life Gold Fund

Name	Since	Tenure
Mehul Dama	7 Jul 26	0.15 Yr.
Priya Sridhar	31 Dec 24	1.67 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.66%
Other	98.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	100%	₹1,842 Cr	135,613,381 ↑ 2,025,000
Treps CBLO/Reverse Repo \| -	0%	₹5 Cr
Net Receivable / Payable CBLO \| -	0%	-₹4 Cr

9. 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 (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.60% (bottom quartile).
3Y return: 34.40% (bottom quartile).
1Y return: 26.02% (bottom quartile).
1M return: -4.19% (top 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 (30 Sep 26)	₹42.4558 ↑ 0.38 (0.91 %)
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.

Date	Value
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

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 29 Sep 26

Duration	Returns
1 Month	-4.2%
3 Month	4.8%
6 Month	0.5%
1 Year	26%
3 Year	34.4%
5 Year	24.6%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	69.8%
2023	19.2%
2022	14.7%
2021	12.5%
2020	-4.7%
2019	26.9%
2018	23.1%
2017	8.3%
2016	0.7%
2015	10.7%

Fund Manager information for Axis Gold Fund

Name	Since	Tenure
Aditya Pagaria	9 Nov 21	4.81 Yr.
Pratik Tibrewal	1 Feb 25	1.58 Yr.

Data below for Axis Gold Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	2%
Other	98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹3,190 Cr	249,682,417 ↑ 4,891,646
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	0%	₹10 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹9 Cr

10. 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: 24.35% (bottom quartile).
3Y return: 34.80% (upper mid).
1Y return: 27.10% (upper mid).
1M return: -4.53% (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 (30 Sep 26)	₹56.1912 ↑ 0.50 (0.90 %)
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.

Date	Value
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

Kotak Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 29 Sep 26

Duration	Returns
1 Month	-4.5%
3 Month	4.9%
6 Month	0.5%
1 Year	27.1%
3 Year	34.8%
5 Year	24.3%
10 Year
15 Year
Since launch	11.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	70.4%
2023	18.9%
2022	13.9%
2021	11.7%
2020	-4.7%
2019	26.6%
2018	24.1%
2017	7.3%
2016	2.5%
2015	10.2%

Fund Manager information for Kotak Gold Fund

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	15.45 Yr.
Jeetu Sonar	1 Oct 22	3.92 Yr.

Data below for Kotak Gold Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	1.61%
Other	98.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹7,185 Cr	558,390,787 ↑ 6,582,662
Triparty Repo CBLO/Reverse Repo \| -	0%	₹29 Cr
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹20 Cr

মিউচুয়াল ফান্ড এসআইপি অনলাইনে কীভাবে বিনিয়োগ করবেন?

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আপনার রেজিস্ট্রেশন এবং KYC প্রক্রিয়া সম্পূর্ণ করুন

নথি আপলোড করুন (প্যান, আধার, ইত্যাদি)।এবং, আপনি বিনিয়োগ করতে প্রস্তুত!

এবার শুরু করা যাক

FAQs

1. আমি কি সময় বেছে নিতে পারি যখন পরিমাণ ডেবিট হবে?

ক: না, সময়কাল যখন আপনার থেকে টাকা ডেবিট করা হবেব্যাংক আপনি যে SIP-এ বিনিয়োগ করার সিদ্ধান্ত নিয়েছেন তার উপর নির্ভর করবে অ্যাকাউন্ট। আপনি বেছে নিতে পারেনএকটি এসআইপিতে বিনিয়োগ করুন এক বছরের সময়কাল থেকে 10+ বছর পর্যন্ত। SIP এর মেয়াদের উপর নির্ভর করে, আপনার অ্যাকাউন্ট থেকে পরিমাণ কেটে নেওয়া হবে।

2. SIP এর মেয়াদ এবং মেয়াদ কি একই জিনিস/টার্ম?

ক: হ্যাঁ, তারা একই। আপনি যখন অফার ডকুমেন্টটি পড়বেন, তখন সাবধানে এসআইপি টার্ম চেক করুন, কারণ এটি আপনাকে বলে দেবে যে সময়কাল/মেয়াদে আপনার অ্যাকাউন্ট থেকে টাকা কেটে নেওয়া হবে। মেয়াদ নির্বাচন করা সম্পূর্ণরূপে বিনিয়োগকারীদের পছন্দ।

3. SIP এর মেয়াদ কি পরিবর্তন করা যেতে পারে?

ক: আপনি যদি এমন একটি পরিকল্পনা বেছে নেন যা এসআইপিকে বাধ্যতামূলক করে, তাহলে আপনাকে সেই মেয়াদ শেষ করতে হবে। মেয়াদের পরে, আপনি পুরো টাকা তুলতে পারবেন। যাইহোক, আপনি যদি বিনিয়োগ পুনর্নবীকরণ করতে চান তবে আপনি মেয়াদ পরিবর্তন করতে পারেন এবং আরও বর্ধিত আদেশ সহ একটি ভিন্ন SIP নির্বাচন করতে পারেন।

4. আমি কি SIP-এর জন্য বিনিয়োগের পরিমাণ পরিবর্তন করতে পারি?

ক: আপনি নমনীয় SIP-এ বিনিয়োগ করতে বেছে নিতে পারেন। এই এসআইপিগুলি আপনাকে বিনিয়োগের সময়কালে আপনি যে পরিমাণ অর্থ বিনিয়োগ করতে পারেন তা পরিবর্তন করতে দেয়। আপনার মেয়াদের সময়, আপনি আপনার উপর নির্ভর করে SIP-এ যে পরিমাণ অর্থ বিনিয়োগ করতে চান তা পরিবর্তন করতে পারেননগদ প্রবাহ.

5. দীর্ঘমেয়াদী SIP কি?

ক: একটি দীর্ঘমেয়াদী এসআইপি এমন একটি হবে যাতে আপনি প্রায় 5 থেকে 10 বছরের জন্য বিনিয়োগ করেন। আদর্শভাবে, দীর্ঘমেয়াদী এসআইপি-তে ভালো রিটার্ন দেওয়ার সম্ভাবনা বেশি থাকে।

6. আমি কি মেয়াদের আগে একটি SIP প্রত্যাহার করতে পারি?

ক: এটি সবচেয়ে ভাল হবে যদি আপনি একটি SIP এর মেয়াদ শেষ করার আগে প্রত্যাহার না করেন। কখনও কখনও বিনিয়োগে এক্সিট লোড নাও থাকতে পারে, তবে এটি সম্পূর্ণভাবে নির্দিষ্ট SIP-এর উপর নির্ভর করে। আপনি যে বিনিয়োগ করছেন সে বিষয়ে আপনি যদি অনিশ্চিত হন, তাহলে আপনার এক বছরের জন্য মাত্র INR 500 বিনিয়োগ করে ছোট শুরু করা উচিত। আপনার ঝুঁকি গ্রহণের ক্ষুধা বাড়ার সাথে সাথে আপনি আপনার বিনিয়োগ বাড়াতে পারেন।

Disclaimer:
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।