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E-Gold

Updated on August 31, 2025 , 80040 views

What is E-Gold?

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 Investment

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.

E-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.

Advantages of E-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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Disadvantages of E-Gold

  • 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.

How to Invest in E-Gold?

Open a Demat Account

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.

Trading

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).

Physical Delivery

If you want, you can take physical delivery of gold at any time by redeeming e-gold units to your Demat account.

E-Gold- Taxes and Charges

  • 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.

Invest in Gold Funds Without Demat Account

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.

Feature of Gold Funds

  • 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.

Best Gold Funds to Invest 2025

1. 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

  • Bottom quartile AUM (₹663 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 13.83% (upper mid).
  • 3Y return: 25.60% (upper mid).
  • 1Y return: 44.01% (top quartile).
  • 1M return: 6.39% (top quartile).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 2.62 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Aditya BSL Gold ETF (~99.9%).
  • Top-3 holdings concentration ~100.2%.

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 (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.

DateValue
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

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 ₹426,080.
Net Profit of ₹126,080
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 2 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure
Priya Sridhar31 Dec 240.67 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash1.64%
Other98.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Aditya BSL Gold ETF
- | -
100%₹663 Cr75,923,624
↑ 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

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 (₹180 Cr).
  • Established history (13+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.50% (bottom quartile).
  • 3Y return: 25.26% (bottom quartile).
  • 1Y return: 42.15% (bottom quartile).
  • 1M return: 5.99% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.52 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Invesco India Gold ETF (~96.2%).
  • Top-3 holdings concentration ~101.1%.

Below is the key information for 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.

DateValue
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

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 ₹426,080.
Net Profit of ₹126,080
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 2 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure
Krishna Cheemalapati1 Mar 250.5 Yr.

Data below for Invesco India Gold Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash5.25%
Other94.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Invesco India Gold ETF
- | -
96%₹173 Cr200,442
↑ 7,399
Triparty Repo
CBLO/Reverse Repo | -
4%₹8 Cr
Net Receivables / (Payables)
CBLO | -
1%-₹1 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 (₹4,740 Cr).
  • Established history (13+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.84% (top quartile).
  • 3Y return: 25.86% (top quartile).
  • 1Y return: 43.27% (lower mid).
  • 1M return: 5.89% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 2.53 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding SBI Gold ETF (~100.2%).
  • 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 (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.

DateValue
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

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 ₹426,080.
Net Profit of ₹126,080
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 2 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure
Raviprakash Sharma12 Sep 1113.98 Yr.

Data below for SBI Gold Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash1.24%
Other98.76%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Gold ETF
- | -
100%₹4,750 Cr560,811,834
↑ 24,600,000
Net Receivable / Payable
CBLO | -
1%-₹25 Cr
Treps
CBLO/Reverse Repo | -
0%₹14 Cr

4. Nippon India Gold Savings Fund

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 (₹3,248 Cr).
  • Oldest track record among peers (14 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 13.57% (bottom quartile).
  • 3Y return: 25.49% (bottom quartile).
  • 1Y return: 43.23% (bottom quartile).
  • 1M return: 5.65% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.48 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Nippon India ETF Gold BeES (~100.0%).
  • Top-3 holdings concentration ~100.5%.

Below is the key information for 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.

DateValue
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

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 ₹426,080.
Net Profit of ₹126,080
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 2 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure
Himanshu Mange23 Dec 231.69 Yr.

Data below for Nippon India Gold Savings Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash1.34%
Other98.66%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Nippon India ETF Gold BeES
- | -
100%₹3,249 Cr395,216,739
↑ 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 Cr00

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

  • Lower mid AUM (₹2,384 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 13.64% (lower mid).
  • 3Y return: 25.58% (lower mid).
  • 1Y return: 43.32% (upper mid).
  • 1M return: 5.88% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.50 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding ICICI Pru Gold ETF (~99.8%).
  • Top-3 holdings concentration ~100.3%.

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 (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.

DateValue
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

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 ₹426,080.
Net Profit of ₹126,080
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 2 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure
Manish Banthia27 Sep 1212.94 Yr.
Nishit Patel29 Dec 204.68 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash1.55%
Other98.45%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Pru Gold ETF
- | -
100%₹2,379 Cr280,401,176
↑ 5,170,060
Treps
CBLO/Reverse Repo | -
0%₹8 Cr
Net Current Assets
Net Current Assets | -
0%-₹4 Cr

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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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