5 साल के निवेश के लिए सर्वश्रेष्ठ एसआईपी योजनाएं 2022

Updated on September 4, 2026 , 167095 views

सर्वश्रेष्ठ एसआईपी योजनाएं? उन्हें कैसे चुनें? ये कुछ सामान्य प्रश्न हैं जो निवेशकों के मन में उठते हैं।एसआईपी निवेश सबसे अनुशासित में से एक हैनिवेश विकल्प जबम्यूचुअल फंड में निवेश. इसके अलावा, निवेश की न्यूनतम राशि aसिप म्यूचुअल फंड INR 500 जितना कम है। यह निवेश करता हैशीर्ष एसआईपी बहुत सुविधाजनक योजनाएँ।

SIP निवेश क्यों करें?

एक बार जब आप एक एसआईपी निवेश में मासिक निवेश करना शुरू करते हैं, तो आपका पैसा हर दिन बढ़ने लगता है (स्टॉक में निवेश किया जा रहा हैमंडी) यह सुनिश्चित करता है कि आपका पैसा न केवल बचाया जाए, बल्कि बढ़ता भी है। जैसे-जैसे वस्तुओं का मूल्य दिन-ब-दिन बढ़ता जा रहा है, क्या आपको नहीं लगता कि आपके पैसे का मूल्य भी बढ़ना चाहिए? खैर, एसआईपीम्यूचुअल फंड्स तुम्हारे लिए करू।

निवेश के इस तरीके से निवेशक अपने सभी लक्ष्यों को पूरा कर सकते हैं। शादी हो या नया वाहन खरीदना, SIP आपके लिए आसान बनाता है। आप बस अपने लक्ष्यों (अल्पकालिक या दीर्घकालिक) के अनुसार निवेश करना शुरू कर सकते हैं और एक निश्चित अवधि के बाद धन में वृद्धि प्राप्त कर सकते हैं। नामक एक उपकरण हैघूंट कैलकुलेटर जिसका उपयोग करके आप उस राशि की गणना भी कर सकते हैं जिसे आपको एक निश्चित लक्ष्य प्राप्त करने के लिए निवेश करने की आवश्यकता है।

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वित्त वर्ष 22 - 23 में 5 साल के निवेश के लिए सर्वश्रेष्ठ एसआईपी योजनाएं

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹64.2579 ↑ 1.19	₹1,441	500	14	-9.1	67.7	57.3	29.9	167.1
SBI Gold Fund Growth	₹44.7966 ↑ 0.34	₹15,812	500	-1.1	-5.1	44.2	35.8	25.3	71.5
ICICI Prudential Regular Gold Savings Fund Growth	₹47.34 ↑ 0.38	₹6,398	100	-1.1	-4.9	43.9	35.8	25.1	72
Nippon India Gold Savings Fund Growth	₹58.4755 ↑ 0.43	₹6,959	100	-1.1	-5.2	43.7	35.6	25	71.2
IDBI Gold Fund Growth	₹39.6605 ↑ 0.35	₹775	500	-1.1	-4.9	43	35.6	25.2	79
HDFC Gold Fund Growth	₹45.6608 ↑ 0.37	₹11,197	300	-1.1	-5.2	43.9	35.5	25.1	71.3
Aditya Birla Sun Life Gold Fund Growth	₹44.4605 ↑ 0.39	₹1,665	100	-1	-5.2	43.9	35.5	24.9	72
Kotak Gold Fund Growth	₹58.7606 ↑ 0.45	₹6,532	1,000	-1	-4.7	44	35.5	24.9	70.4
Axis Gold Fund Growth	₹44.4203 ↑ 0.31	₹2,887	1,000	-1.1	-4.6	43.4	35.3	25.1	69.8
DSP US Flexible Equity Fund Growth	₹92.216 ↑ 0.39	₹1,296	500	-3.9	17.6	36.3	25.9	17.9	33.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	SBI Gold Fund	ICICI Prudential Regular Gold Savings Fund	Nippon India Gold Savings Fund	IDBI Gold Fund	HDFC Gold Fund	Aditya Birla Sun Life Gold Fund	Kotak Gold Fund	Axis Gold Fund	DSP US Flexible Equity Fund
Point 1	Bottom quartile AUM (₹1,441 Cr).	Highest AUM (₹15,812 Cr).	Upper mid AUM (₹6,398 Cr).	Upper mid AUM (₹6,959 Cr).	Bottom quartile AUM (₹775 Cr).	Top quartile AUM (₹11,197 Cr).	Lower mid AUM (₹1,665 Cr).	Upper mid AUM (₹6,532 Cr).	Lower mid AUM (₹2,887 Cr).	Bottom quartile AUM (₹1,296 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (15+ 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).
Point 3	Rating: 3★ (top quartile).	Rating: 2★ (upper mid).	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Not Rated.	Rating: 1★ (lower mid).	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	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: 29.87% (top quartile).	5Y return: 25.27% (top quartile).	5Y return: 25.14% (upper mid).	5Y return: 24.99% (lower mid).	5Y return: 25.22% (upper mid).	5Y return: 25.07% (lower mid).	5Y return: 24.88% (bottom quartile).	5Y return: 24.86% (bottom quartile).	5Y return: 25.07% (upper mid).	5Y return: 17.94% (bottom quartile).
Point 6	3Y return: 57.30% (top quartile).	3Y return: 35.78% (top quartile).	3Y return: 35.75% (upper mid).	3Y return: 35.62% (upper mid).	3Y return: 35.61% (upper mid).	3Y return: 35.52% (lower mid).	3Y return: 35.50% (lower mid).	3Y return: 35.50% (bottom quartile).	3Y return: 35.29% (bottom quartile).	3Y return: 25.92% (bottom quartile).
Point 7	1Y return: 67.66% (top quartile).	1Y return: 44.19% (top quartile).	1Y return: 43.94% (upper mid).	1Y return: 43.72% (lower mid).	1Y return: 42.95% (bottom quartile).	1Y return: 43.86% (lower mid).	1Y return: 43.87% (upper mid).	1Y return: 44.03% (upper mid).	1Y return: 43.37% (bottom quartile).	1Y return: 36.31% (bottom quartile).
Point 8	Alpha: 2.59 (top quartile).	1M return: 8.44% (lower mid).	1M return: 8.55% (upper mid).	1M return: 8.53% (upper mid).	1M return: 8.34% (bottom quartile).	1M return: 8.49% (lower mid).	1M return: 8.49% (upper mid).	1M return: 8.57% (top quartile).	1M return: 8.39% (bottom quartile).	Alpha: -7.66 (bottom quartile).
Point 9	Sharpe: 1.14 (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: 1.40 (top quartile).
Point 10	Information ratio: -0.56 (bottom quartile).	Sharpe: 1.22 (upper mid).	Sharpe: 1.16 (lower mid).	Sharpe: 1.13 (bottom quartile).	Sharpe: 1.17 (lower mid).	Sharpe: 1.22 (upper mid).	Sharpe: 1.13 (bottom quartile).	Sharpe: 1.30 (top quartile).	Sharpe: 1.28 (upper mid).	Information ratio: 0.00 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,441 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 29.87% (top quartile).
3Y return: 57.30% (top quartile).
1Y return: 67.66% (top quartile).
Alpha: 2.59 (top quartile).
Sharpe: 1.14 (bottom quartile).
Information ratio: -0.56 (bottom quartile).

SBI Gold Fund

Highest AUM (₹15,812 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.27% (top quartile).
3Y return: 35.78% (top quartile).
1Y return: 44.19% (top quartile).
1M return: 8.44% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: 1.22 (upper mid).

ICICI Prudential Regular Gold Savings Fund

Upper mid AUM (₹6,398 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.14% (upper mid).
3Y return: 35.75% (upper mid).
1Y return: 43.94% (upper mid).
1M return: 8.55% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.16 (lower mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹6,959 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.99% (lower mid).
3Y return: 35.62% (upper mid).
1Y return: 43.72% (lower mid).
1M return: 8.53% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.13 (bottom quartile).

IDBI Gold Fund

Bottom quartile AUM (₹775 Cr).
Established history (14+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.22% (upper mid).
3Y return: 35.61% (upper mid).
1Y return: 42.95% (bottom quartile).
1M return: 8.34% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.17 (lower mid).

HDFC Gold Fund

Top quartile AUM (₹11,197 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.07% (lower mid).
3Y return: 35.52% (lower mid).
1Y return: 43.86% (lower mid).
1M return: 8.49% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.22 (upper mid).

Aditya Birla Sun Life Gold Fund

Lower mid AUM (₹1,665 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.88% (bottom quartile).
3Y return: 35.50% (lower mid).
1Y return: 43.87% (upper mid).
1M return: 8.49% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.13 (bottom quartile).

Kotak Gold Fund

Upper mid AUM (₹6,532 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.86% (bottom quartile).
3Y return: 35.50% (bottom quartile).
1Y return: 44.03% (upper mid).
1M return: 8.57% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.30 (top quartile).

Axis Gold Fund

Lower mid AUM (₹2,887 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.07% (upper mid).
3Y return: 35.29% (bottom quartile).
1Y return: 43.37% (bottom quartile).
1M return: 8.39% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.28 (upper mid).

DSP US Flexible Equity Fund

Bottom quartile AUM (₹1,296 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.94% (bottom quartile).
3Y return: 25.92% (bottom quartile).
1Y return: 36.31% (bottom quartile).
Alpha: -7.66 (bottom quartile).
Sharpe: 1.40 (top quartile).
Information ratio: 0.00 (bottom quartile).

*उल्लिखित फंड सबसे अच्छा विचार कर रहे हैंसीएजीआर 3 साल से अधिक का रिटर्न और कम से कम 3 साल का बाजार इतिहास (फंड की उम्र) वाले फंड और प्रबंधन के तहत न्यूनतम 500 करोड़ की संपत्ति हो।

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 (₹1,441 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 29.87% (top quartile).
3Y return: 57.30% (top quartile).
1Y return: 67.66% (top quartile).
Alpha: 2.59 (top quartile).
Sharpe: 1.14 (bottom quartile).
Information ratio: -0.56 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~92%).
Largest holding BGF World Gold I2 (~66.2%).
Top-3 holdings concentration ~98.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (03 Sep 26)	₹64.2579 ↑ 1.19 (1.88 %)
Net Assets (Cr)	₹1,441 on 31 Jul 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.14
Information Ratio	-0.56
Alpha Ratio	2.59
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
31 Aug 21	₹10,000
31 Aug 22	₹7,679
31 Aug 23	₹9,692
31 Aug 24	₹12,678
31 Aug 25	₹21,230
31 Aug 26	₹37,198

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 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 3 Sep 26

Duration	Returns
1 Month	29.6%
3 Month	14%
6 Month	-9.1%
1 Year	67.7%
3 Year	57.3%
5 Year	29.9%
10 Year
15 Year
Since launch	10.3%

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	1.25 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	91.57%

Asset Allocation

Asset Class	Value
Cash	6.38%
Equity	91.78%
Debt	0.01%
Other	1.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	66%	₹954 Cr	983,452
VanEck Gold Miners ETF - \| GDX	28%	₹405 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹58 Cr
Net Receivables/Payables Net Current Assets \| -	2%	₹23 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 (₹15,812 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.27% (top quartile).
3Y return: 35.78% (top quartile).
1Y return: 44.19% (top quartile).
1M return: 8.44% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: 1.22 (upper mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.1%).
Top-3 holdings concentration ~100.4%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (04 Sep 26)	₹44.7966 ↑ 0.34 (0.77 %)
Net Assets (Cr)	₹15,812 on 31 Jul 26
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	1.22
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 21	₹10,000
31 Aug 22	₹10,698
31 Aug 23	₹12,347
31 Aug 24	₹14,787
31 Aug 25	₹20,728
31 Aug 26	₹30,931

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 3 Sep 26

Duration	Returns
1 Month	8.4%
3 Month	-1.1%
6 Month	-5.1%
1 Year	44.2%
3 Year	35.8%
5 Year	25.3%
10 Year
15 Year
Since launch	10.5%

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	0.42 Yr.

Data below for SBI Gold Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	1.74%
Other	98.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹15,823 Cr	1,309,409,339 ↑ 29,228,118
Net Receivable / Payable CBLO \| -	0%	-₹31 Cr
Treps CBLO/Reverse Repo \| -	0%	₹20 Cr

3. 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 (₹6,398 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.14% (upper mid).
3Y return: 35.75% (upper mid).
1Y return: 43.94% (upper mid).
1M return: 8.55% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.16 (lower mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding ICICI Pru Gold ETF (~99.9%).
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 (04 Sep 26)	₹47.34 ↑ 0.38 (0.80 %)
Net Assets (Cr)	₹6,398 on 31 Jul 26
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	1.16
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 21	₹10,000
31 Aug 22	₹10,737
31 Aug 23	₹12,284
31 Aug 24	₹14,764
31 Aug 25	₹20,704
31 Aug 26	₹30,750

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 3 Sep 26

Duration	Returns
1 Month	8.5%
3 Month	-1.1%
6 Month	-4.9%
1 Year	43.9%
3 Year	35.8%
5 Year	25.1%
10 Year
15 Year
Since launch	11%

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	13.85 Yr.
Nishit Patel	29 Dec 20	5.59 Yr.
Ashwini Bharucha	1 Nov 25	0.75 Yr.
Venus Ahuja	1 Nov 25	0.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.02%
Other	97.98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹6,392 Cr	526,862,660 ↑ 5,383,968
Treps CBLO/Reverse Repo \| -	0%	₹15 Cr
Net Current Assets Net Current Assets \| -	0%	-₹10 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 (₹6,959 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.99% (lower mid).
3Y return: 35.62% (upper mid).
1Y return: 43.72% (lower mid).
1M return: 8.53% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.13 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Nippon India ETF Gold BeES (~100.0%).
Top-3 holdings concentration ~100.3%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund Growth
Launch Date	7 Mar 11
NAV (04 Sep 26)	₹58.4755 ↑ 0.43 (0.74 %)
Net Assets (Cr)	₹6,959 on 31 Jul 26
Category	Gold - Gold
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.35
Sharpe Ratio	1.13
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 21	₹10,000
31 Aug 22	₹10,706
31 Aug 23	₹12,237
31 Aug 24	₹14,692
31 Aug 25	₹20,596
31 Aug 26	₹30,613

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 3 Sep 26

Duration	Returns
1 Month	8.5%
3 Month	-1.1%
6 Month	-5.2%
1 Year	43.7%
3 Year	35.6%
5 Year	25%
10 Year
15 Year
Since launch	12.1%

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	2.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.66%
Other	98.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Nippon India ETF Gold BeES - \| -	100%	₹6,959 Cr	594,220,572 ↑ 3,245,000
Net Current Assets Net Current Assets \| -	0%	-₹11 Cr
Triparty Repo CBLO/Reverse Repo \| -	0%	₹11 Cr
Cash Margin - Ccil CBLO/Reverse Repo \| -	0%	₹0 Cr

5. 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 (₹775 Cr).
Established history (14+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.22% (upper mid).
3Y return: 35.61% (upper mid).
1Y return: 42.95% (bottom quartile).
1M return: 8.34% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.17 (lower mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding LIC MF Gold ETF (~100.0%).
Top-3 holdings concentration ~100.6%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund Growth
Launch Date	14 Aug 12
NAV (04 Sep 26)	₹39.6605 ↑ 0.35 (0.90 %)
Net Assets (Cr)	₹775 on 31 Jul 26
Category	Gold - Gold
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.64
Sharpe Ratio	1.17
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
31 Aug 21	₹10,000
31 Aug 22	₹10,802
31 Aug 23	₹12,318
31 Aug 24	₹14,809
31 Aug 25	₹20,729
31 Aug 26	₹30,772

IDBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 3 Sep 26

Duration	Returns
1 Month	8.3%
3 Month	-1.1%
6 Month	-4.9%
1 Year	43%
3 Year	35.6%
5 Year	25.2%
10 Year
15 Year
Since launch	10.3%

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	2.17 Yr.
Sasikant Aravamuthan	1 Jul 26	0.08 Yr.

Data below for IDBI Gold Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	1.95%
Other	98.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC MF Gold ETF - \| -	100%	₹775 Cr	60,829,200 ↑ 945,000
Treps CBLO/Reverse Repo \| -	0%	₹2 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹2 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 (₹11,197 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.07% (lower mid).
3Y return: 35.52% (lower mid).
1Y return: 43.86% (lower mid).
1M return: 8.49% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.22 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding HDFC Gold ETF (~100.0%).
Top-3 holdings concentration ~100.2%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund Growth
Launch Date	24 Oct 11
NAV (04 Sep 26)	₹45.6608 ↑ 0.37 (0.83 %)
Net Assets (Cr)	₹11,197 on 31 Jul 26
Category	Gold - Gold
AMC	HDFC Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.49
Sharpe Ratio	1.22
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
31 Aug 21	₹10,000
31 Aug 22	₹10,714
31 Aug 23	₹12,278
31 Aug 24	₹14,771
31 Aug 25	₹20,591
31 Aug 26	₹30,676

HDFC Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 3 Sep 26

Duration	Returns
1 Month	8.5%
3 Month	-1.1%
6 Month	-5.2%
1 Year	43.9%
3 Year	35.5%
5 Year	25.1%
10 Year
15 Year
Since launch	10.8%

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	3.46 Yr.
Nandita Menezes	29 Mar 25	1.34 Yr.

Data below for HDFC Gold Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	1.46%
Other	98.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	100%	₹11,202 Cr	925,647,168 ↑ 5,566,231
Net Current Assets Net Current Assets \| -	0%	-₹10 Cr
Treps - Tri-Party Repo CBLO/Reverse Repo \| -	0%	₹5 Cr

7. 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 (₹1,665 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.88% (bottom quartile).
3Y return: 35.50% (lower mid).
1Y return: 43.87% (upper mid).
1M return: 8.49% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.13 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Aditya BSL Gold ETF (~100.0%).
Top-3 holdings concentration ~100.3%.

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 (04 Sep 26)	₹44.4605 ↑ 0.39 (0.88 %)
Net Assets (Cr)	₹1,665 on 31 Jul 26
Category	Gold - Gold
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.51
Sharpe Ratio	1.13
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 21	₹10,000
31 Aug 22	₹10,619
31 Aug 23	₹12,278
31 Aug 24	₹14,660
31 Aug 25	₹20,546
31 Aug 26	₹30,645

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 3 Sep 26

Duration	Returns
1 Month	8.5%
3 Month	-1%
6 Month	-5.2%
1 Year	43.9%
3 Year	35.5%
5 Year	24.9%
10 Year
15 Year
Since launch	10.9%

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	0.07 Yr.
Priya Sridhar	31 Dec 24	1.58 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.64%
Other	98.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	100%	₹1,665 Cr	133,588,381 ↑ 5,000
Treps CBLO/Reverse Repo \| -	0%	₹3 Cr
Net Receivable / Payable CBLO \| -	0%	-₹2 Cr

8. 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 (₹6,532 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.86% (bottom quartile).
3Y return: 35.50% (bottom quartile).
1Y return: 44.03% (upper mid).
1M return: 8.57% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.30 (top quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~99.8%).
Top-3 holdings concentration ~100.2%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (04 Sep 26)	₹58.7606 ↑ 0.45 (0.77 %)
Net Assets (Cr)	₹6,532 on 31 Jul 26
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	1.3
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
31 Aug 21	₹10,000
31 Aug 22	₹10,634
31 Aug 23	₹12,161
31 Aug 24	₹14,601
31 Aug 25	₹20,423
31 Aug 26	₹30,400

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 3 Sep 26

Duration	Returns
1 Month	8.6%
3 Month	-1%
6 Month	-4.7%
1 Year	44%
3 Year	35.5%
5 Year	24.9%
10 Year
15 Year
Since launch	12.1%

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 Jul 26

Asset Allocation

Asset Class	Value
Cash	1.66%
Other	98.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹6,520 Cr	551,808,125 ↑ 3,970,000
Triparty Repo CBLO/Reverse Repo \| -	0%	₹19 Cr
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹8 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 (₹2,887 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.07% (upper mid).
3Y return: 35.29% (bottom quartile).
1Y return: 43.37% (bottom quartile).
1M return: 8.39% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.28 (upper mid).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~100.0%).
Top-3 holdings concentration ~100.2%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (04 Sep 26)	₹44.4203 ↑ 0.31 (0.71 %)
Net Assets (Cr)	₹2,887 on 31 Jul 26
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	1.28
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
31 Aug 21	₹10,000
31 Aug 22	₹10,714
31 Aug 23	₹12,344
31 Aug 24	₹14,775
31 Aug 25	₹20,643
31 Aug 26	₹30,532

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 3 Sep 26

Duration	Returns
1 Month	8.4%
3 Month	-1.1%
6 Month	-4.6%
1 Year	43.4%
3 Year	35.3%
5 Year	25.1%
10 Year
15 Year
Since launch	10.5%

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 Jul 26

Asset Allocation

Asset Class	Value
Cash	2.23%
Other	97.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹2,888 Cr	244,790,771 ↑ 2,473,713
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹4 Cr
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	0%	₹3 Cr

10. DSP US Flexible Equity Fund

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

Bottom quartile AUM (₹1,296 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.94% (bottom quartile).
3Y return: 25.92% (bottom quartile).
1Y return: 36.31% (bottom quartile).
Alpha: -7.66 (bottom quartile).
Sharpe: 1.40 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Technology.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~91%).
Largest holding BGF US Flexible Equity I2 (~92.6%).
Top-3 holdings concentration ~100.0%.

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund Growth
Launch Date	3 Aug 12
NAV (03 Sep 26)	₹92.216 ↑ 0.39 (0.42 %)
Net Assets (Cr)	₹1,296 on 31 Jul 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.55
Sharpe Ratio	1.4
Information Ratio	0
Alpha Ratio	-7.66
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
31 Aug 21	₹10,000
31 Aug 22	₹9,952
31 Aug 23	₹11,469
31 Aug 24	₹13,675
31 Aug 25	₹16,798
31 Aug 26	₹22,926

DSP US Flexible Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for DSP US Flexible Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26

Duration	Returns
1 Month	0%
3 Month	-3.9%
6 Month	17.6%
1 Year	36.3%
3 Year	25.9%
5 Year	17.9%
10 Year
15 Year
Since launch	17.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	33.8%
2023	17.8%
2022	22%
2021	-5.9%
2020	24.2%
2019	22.6%
2018	27.5%
2017	-1.1%
2016	15.5%
2015	9.8%

Fund Manager information for DSP US Flexible Equity Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.25 Yr.

Data below for DSP US Flexible Equity Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Technology	33.48%
Industrials	12.71%
Communication Services	12.2%
Health Care	9.04%
Financial Services	9.01%
Consumer Cyclical	8.16%
Basic Materials	2.16%
Utility	2.12%
Energy	2.05%

Asset Allocation

Asset Class	Value
Cash	9.05%
Equity	90.94%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	93%	₹1,200 Cr	1,784,131
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹54 Cr
Net Receivables/Payables Net Current Assets \| -	3%	₹42 Cr

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