E-Gold is another form of Investing in Gold where no physical gold is traded. In 2010, National Spot Exchange (NSE) launched e-gold in India in order to benefit investors who wish to invest in gold.
The biggest benefit of e-gold is that it allows investors to invest in gold with much lower denominations than physical gold. But, before going into details, let us understand the basics of Investing in gold in the electronic form.
E-gold is the process of buying gold electronically. To invest here, one should have a Trading Account with specified NSEL dealers. E-gold units can be bought and sold through the exchange (NSE) just like shares. Here one unit of e-gold is equal to 1 gram of gold.
Investors who wish to invest in gold as part of their long-term Financial goals can buy e-gold in small quantities and keep it in their Demat account. Once their target is achieved, they can take the physical delivery of gold through the exchange. Those who don’t wish to take the physical delivery can always sell the electronic units and encash them.
By buying gold in electronic form, one need not worry about the purity of gold and the safe-keeping of gold.
Gold rates on NSE are based on Indian Market rates.
Investors can buy and sell gold in small denominations. For e.g.- 1gm, 2gm of gold.
Transparency in pricing and seamless trading is one of the major advantages of this product.
This product is high in liquidity. One can sell it at any point of time.
No impurity risks.
Advantages | Disadvantages |
---|---|
Buy/Sell gold in small denominations | Storage cost- 60 paise/per unit/pm |
Seamless Trading | Hacking Issue |
Liquidity | - |
No impurity risks | - |
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The storage charge of this product is 60 paisa per unit per month.
Hacking of an account can sometimes be an issue, however with today's security systems in place with exchanges this does not usually take place. At a client account level, the customer should maintain the secrecy of passwords and ensure that the account is protected.
For purchasing commodities in NSE, it is necessary to have a Demat account. One can keep a separate Demat account for equities and commodities or keep the same one. To open an account, one can submit all the required documentation to NSE.
Once your account is opened, you can log in and buy e-gold. You can trade from 10 am to 11:30 pm on weekdays. Your gold units would get credited to your Demat account in T+2 days (date plus one day).
If you want, you can take physical delivery of gold at any time by redeeming e-gold units to your Demat account.
It charges INR 100 as a conversion rate of 1 gram coin and INR 400 for conversion of 8 gram/10 gram coins. In case of 100-gram coins and one-kg bar, the exchange doesn't charge any cost.
If you hold this product for less than 36 months, then short-term Capital Gain tax is applicable as per the slab rates. And if e-gold is held for than 36 months, then e-Gold Capital gain tax applicable at 10 percent.
One is also required to pay VAT @ 1%
throughout the country as well as octroi charges (when your purchase enters the state) to convert electronic units into physical coins.
The storage charge of this product which is held in physical form by NSE is 60 paisa per unit per month.
In Gold Mutual Funds you don't need a Demat account to invest. These funds invest in a Gold ETF floated by the same AMC (Asset Management Company). Investors can invest in Gold Mutual Funds through the SIP route, which is not possible when investing in the ETF or other gold investments.
Minimum investment amount in gold mutual funds is of INR 1,000 (as monthly SIP)
Since gold mutual funds are not traded in the market, they can be bought/sold based on NAV for the day
As gold mutual fund’s units can be bought or sold from the fund house, investors do not face liquidity risks.
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). Below is the key information for Aditya Birla Sun Life Gold Fund Returns up to 1 year are on To provide returns that closely corresponds to returns provided by Invesco India Gold Exchange Traded Fund. Research Highlights for Invesco India Gold Fund Below is the key information for Invesco India 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 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 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 1. Aditya Birla Sun Life Gold Fund
Aditya Birla Sun Life Gold Fund
Growth Launch Date 20 Mar 12 NAV (02 Sep 25) ₹30.5061 ↑ 0.05 (0.16 %) Net Assets (Cr) ₹663 on 31 Jul 25 Category Gold - Gold AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.51 Sharpe Ratio 2.62 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 31 Aug 20 ₹10,000 31 Aug 21 ₹9,061 31 Aug 22 ₹9,621 31 Aug 23 ₹11,125 31 Aug 24 ₹13,283 31 Aug 25 ₹18,616 Returns for Aditya Birla Sun Life Gold Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Sep 25 Duration Returns 1 Month 6.4% 3 Month 8.1% 6 Month 22.2% 1 Year 44% 3 Year 25.6% 5 Year 13.8% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.7% 2023 14.5% 2022 12.3% 2021 -5% 2020 26% 2019 21.3% 2018 6.8% 2017 1.6% 2016 11.5% 2015 -7.2% Fund Manager information for Aditya Birla Sun Life Gold Fund
Name Since Tenure Priya Sridhar 31 Dec 24 0.67 Yr. Data below for Aditya Birla Sun Life Gold Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 1.64% Other 98.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya BSL Gold ETF
- | -100% ₹663 Cr 75,923,624
↑ 897,900 Clearing Corporation Of India Limited
CBLO/Reverse Repo | -0% ₹1 Cr Net Receivables / (Payables)
Net Current Assets | -0% -₹1 Cr 2. Invesco India Gold Fund
Invesco India Gold Fund
Growth Launch Date 5 Dec 11 NAV (02 Sep 25) ₹29.4735 ↓ -0.05 (-0.17 %) Net Assets (Cr) ₹180 on 31 Jul 25 Category Gold - Gold AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.37 Sharpe Ratio 2.52 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 31 Aug 20 ₹10,000 31 Aug 21 ₹9,058 31 Aug 22 ₹9,673 31 Aug 23 ₹11,050 31 Aug 24 ₹13,332 31 Aug 25 ₹18,389 Returns for Invesco India Gold Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Sep 25 Duration Returns 1 Month 6% 3 Month 7.2% 6 Month 21.1% 1 Year 42.2% 3 Year 25.3% 5 Year 13.5% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.8% 2023 14.5% 2022 12.8% 2021 -5.5% 2020 27.2% 2019 21.4% 2018 6.6% 2017 1.3% 2016 21.6% 2015 -15.1% Fund Manager information for Invesco India Gold Fund
Name Since Tenure Krishna Cheemalapati 1 Mar 25 0.5 Yr. Data below for Invesco India Gold Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 5.25% Other 94.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity Invesco India Gold ETF
- | -96% ₹173 Cr 200,442
↑ 7,399 Triparty Repo
CBLO/Reverse Repo | -4% ₹8 Cr Net Receivables / (Payables)
CBLO | -1% -₹1 Cr 3. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (02 Sep 25) ₹30.5697 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹4,740 on 31 Jul 25 Category Gold - Gold AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.3 Sharpe Ratio 2.53 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 31 Aug 20 ₹10,000 31 Aug 21 ₹9,019 31 Aug 22 ₹9,649 31 Aug 23 ₹11,136 31 Aug 24 ₹13,336 31 Aug 25 ₹18,695 Returns for SBI Gold Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Sep 25 Duration Returns 1 Month 5.9% 3 Month 7.5% 6 Month 21.5% 1 Year 43.3% 3 Year 25.9% 5 Year 13.8% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.6% 2023 14.1% 2022 12.6% 2021 -5.7% 2020 27.4% 2019 22.8% 2018 6.4% 2017 3.5% 2016 10% 2015 -8.1% Fund Manager information for SBI Gold Fund
Name Since Tenure Raviprakash Sharma 12 Sep 11 13.98 Yr. Data below for SBI Gold Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 1.24% Other 98.76% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -100% ₹4,750 Cr 560,811,834
↑ 24,600,000 Net Receivable / Payable
CBLO | -1% -₹25 Cr Treps
CBLO/Reverse Repo | -0% ₹14 Cr 4. Nippon India Gold Savings Fund
Nippon India Gold Savings Fund
Growth Launch Date 7 Mar 11 NAV (02 Sep 25) ₹39.9731 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹3,248 on 31 Jul 25 Category Gold - Gold AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderately High Expense Ratio 0.35 Sharpe Ratio 2.48 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 31 Aug 20 ₹10,000 31 Aug 21 ₹8,973 31 Aug 22 ₹9,606 31 Aug 23 ₹10,980 31 Aug 24 ₹13,183 31 Aug 25 ₹18,480 Returns for Nippon India Gold Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Sep 25 Duration Returns 1 Month 5.7% 3 Month 7.5% 6 Month 21.6% 1 Year 43.2% 3 Year 25.5% 5 Year 13.6% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 2024 19% 2023 14.3% 2022 12.3% 2021 -5.5% 2020 26.6% 2019 22.5% 2018 6% 2017 1.7% 2016 11.6% 2015 -8.1% Fund Manager information for Nippon India Gold Savings Fund
Name Since Tenure Himanshu Mange 23 Dec 23 1.69 Yr. Data below for Nippon India Gold Savings Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 1.34% Other 98.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nippon India ETF Gold BeES
- | -100% ₹3,249 Cr 395,216,739
↑ 4,135,000 Net Current Assets
Net Current Assets | -0% -₹8 Cr Triparty Repo
CBLO/Reverse Repo | -0% ₹8 Cr Cash Margin - Ccil
CBLO | -0% ₹0 Cr Cash
Net Current Assets | -0% ₹0 Cr 00 5. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (02 Sep 25) ₹32.3683 ↓ -0.05 (-0.16 %) Net Assets (Cr) ₹2,384 on 31 Jul 25 Category Gold - Gold AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.38 Sharpe Ratio 2.5 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 31 Aug 20 ₹10,000 31 Aug 21 ₹8,985 31 Aug 22 ₹9,647 31 Aug 23 ₹11,037 31 Aug 24 ₹13,266 31 Aug 25 ₹18,603 Returns for ICICI Prudential Regular Gold Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Sep 25 Duration Returns 1 Month 5.9% 3 Month 7.6% 6 Month 21.5% 1 Year 43.3% 3 Year 25.6% 5 Year 13.6% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.5% 2023 13.5% 2022 12.7% 2021 -5.4% 2020 26.6% 2019 22.7% 2018 7.4% 2017 0.8% 2016 8.9% 2015 -5.1% Fund Manager information for ICICI Prudential Regular Gold Savings Fund
Name Since Tenure Manish Banthia 27 Sep 12 12.94 Yr. Nishit Patel 29 Dec 20 4.68 Yr. Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 1.55% Other 98.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -100% ₹2,379 Cr 280,401,176
↑ 5,170,060 Treps
CBLO/Reverse Repo | -0% ₹8 Cr Net Current Assets
Net Current Assets | -0% -₹4 Cr
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