+91-22-48913909यूरोप स्थित एनआरआई म्यूचुअल फंड में निवेश करेंगे भारत
बढ़ रहा हैअर्थव्यवस्था भारत ने भारत में अपना निवेश करने के लिए एनआईआर की निगाहें पकड़ ली हैं। अनिवासी भारतीयों के लिए सबसे लोकप्रिय निवेश विकल्पों में से एक हैम्यूचुअल फंड्स. अपने दीर्घकालिक प्रतिफल के कारण, म्यूचुअल फंड ने न केवल भारतीय निवेशकों को, बल्कि दुनिया भर से अनिवासी भारतीयों को आकर्षित किया था।
भारत कई वर्षों से 7 प्रतिशत से अधिक जीडीपी वृद्धि के साथ दुनिया की सबसे तेजी से बढ़ती अर्थव्यवस्था है। वर्तमान में, भारत $2.7 ट्रिलियन जीडीपी के साथ दुनिया की पांचवीं सबसे बड़ी अर्थव्यवस्था है। दुनियाबैंक और आईएमएफ ने 2018 और 2019 में भारत की जीडीपी क्रमशः 7.4 प्रतिशत और 7.8 प्रतिशत बढ़ने का अनुमान लगाया है। अमेरिकी कृषि विभाग की एक अन्य रिपोर्ट में भी भारत को 2030 तक 6.6 ट्रिलियन डॉलर की तीसरी सबसे बड़ी अर्थव्यवस्था बनने का अनुमान लगाया गया है।
यूरोप स्थित एनआरआई करने की योजना बना रहे हैंम्युचुअल फंड में निवेश लंबे समय में इष्टतम रिटर्न का लाभ उठा सकते हैं। कोई अपनी लंबी अवधि की योजना बना सकता हैवित्तीय लक्ष्यों पसंदनिवृत्ति, एक घर की खरीद या भविष्य के लिए केवल धन का निर्माण करने के द्वारानिवेश एमएफ में, विशेष रूप से मेंइक्विटी फ़ंड. इसके अलावा, निवेशक अल्पावधि में डेट फंड के माध्यम से बैंक बचत खातों की तुलना में बेहतर रिटर्न भी अर्जित कर सकते हैं। इसलिए, एक एनआरआई के लिए यह महत्वपूर्ण है कि वह किसी फंड का चयन करने से पहले अपने निवेश की अवधि निर्धारित करे।
हालाँकि, कुछ महत्वपूर्ण दिशा-निर्देश और नियम हैं जिनका पालन यूरोप के एक एनआरआई को भारत में म्यूचुअल फंड में अपना निवेश शुरू करने के लिए करना होगा।
यूरोप में अनिवासी भारतीय भारतीय म्युचुअल फंड में कैसे निवेश कर सकते हैं?
भारत में म्यूचुअल फंड में निवेश करने के लिए किसी भारतीय बैंक में निम्नलिखित में से कोई भी खाता खोलना चाहिए:
एनआरई खाता
यह अनिवासी बाहरी (एनआरई) खाता है जो बचत, चालू, स्थिर या के रूप में हो सकता हैआवर्ती जमा. आपको इस खाते में विदेशी मुद्रा जमा करनी होगी। भारतीय मुद्रा जमा करने में सक्षम होने के लिए, आपको एनआरओ खाता खोलना होगा। एनआरई खाते में लेनदेन राशि की कोई ऊपरी सीमा नहीं है।
एनआरओ खाता
एनआरओ या अनिवासी साधारण खाता बचत या चालू खाते के रूप में होता है जो एनआरआई के लिए उनके प्रबंधन के लिए होता है।आय भारत में अर्जित किया। एनआरओ खाते में जमा होने के बाद विदेशी मुद्रा भारतीय रुपये में परिवर्तित हो जाती है। एक एनआरओ खाता किसी अन्य एनआरआई के साथ-साथ निवासी भारतीय (करीबी रिश्तेदार) के साथ संयुक्त रूप से रखा जा सकता है।
एफसीएनआर खाता
यह विदेशी मुद्रा गैर-प्रत्यावर्तनीय खाता जमा के लिए है। इस खाते में, अनिवासी भारतीय अपना प्रेषण कर सकते हैंआय कनाडा की $, US$ जैसी छह मुद्राओं में से एक में,**यूरो**, AU$, येन और पाउंड। अन्य एफसीएनआर या एनआरई खातों से फंड ट्रांसफर किया जा सकता है। FCNR में, मूलधन और ब्याज पर कोई टैक्स नहीं लगता है।
एक बार जब आप इनमें से कोई भी खाता खोलते हैं, तो आपको केवाईसी मानदंडों के तहत अपना केवाईसी (अपने ग्राहक को जानें) सफलतापूर्वक पूरा करना होगा, जो कि किसके द्वारा निर्धारित हैसेबी (भारतीय प्रतिभूति विनिमय बोर्ड)। कोई भी सेबी-पंजीकृत किसी भी इंटरमीडिएट के साथ अपना केवाईसी पूरा कर सकता है।
यूरोप के अनिवासी भारतीयों के लिए म्युचुअल फंड केवाईसी प्रक्रिया
आपकी केवाईसी प्रक्रिया को सफलतापूर्वक पूरा करने के लिए, यूरोप स्थित एनआरआई को कुछ महत्वपूर्ण चरणों को पूरा करने और दस्तावेज प्रस्तुत करने की आवश्यकता है जैसे:
ए। केवाईसी फॉर्म
एक एनआरआई को जमा करना होगाकेवाईसी फॉर्म सेबी पंजीकृत इंटरमीडिएट में भरे गए सभी आवश्यक विवरण के साथ। दस्तावेजों को कूरियर/डाक द्वारा इंटरमीडिएट को भेजा जा सकता है।
बी। दस्तावेज़
निम्नलिखित आवश्यक दस्तावेज हैं जिन्हें जमा करने की आवश्यकता है:
- विदेशी पते का प्रमाण
- भारतीय निवासी पता प्रमाण
- हाल की एक तस्वीर
- पासपोर्ट की कॉपी
मर्चेंट नेवी में अनिवासी भारतीयों के मामले में, एक नाविक की घोषणा या निरंतर निर्वहन प्रमाणपत्र की प्रमाणित प्रति प्रस्तुत की जानी चाहिए।
बनाम प्रमाणपत्र
एनआरआई या पीआईओ (भारतीय मूल के व्यक्ति) भारत में पंजीकृत अनुसूचित वाणिज्यिक बैंकों की विदेशी शाखाओं के अधिकृत अधिकारियों, न्यायाधीश, कोर्ट मजिस्ट्रेट, सार्वजनिक नोटरी, या देश में भारतीय दूतावास / वाणिज्य दूतावास जनरल द्वारा प्रमाणित उपरोक्त दस्तावेज प्राप्त कर सकते हैं। स्थित हैं।
डी। व्यक्तिगत सत्यापन (आईपीवी) में
सेबी के नियमों के अनुसार केवाईसी प्रक्रिया के लिए आईपीवी अनिवार्य है। इंटरमीडिएट को एनआरआई/पीआईओ के आईपीवी का संचालन करना चाहिए।
कृपया ध्यान दें कि जमा करते समय उपरोक्त सभी दस्तावेज/प्रमाण अंग्रेजी भाषा में होने चाहिए।
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अनिवासी भारतीय (एनआरआई) म्युचुअल फंड कराधान
राजधानी वित्तीय वर्ष 2017-18 (आकलन वर्ष 2018-19) के लिए एनआरआई म्यूचुअल फंड निवेश पर लाभ कर की दरें नीचे दी गई हैं:
एनआरआईम्यूचुअल फंड पर कराधान-पूंजीगत लाभ कर की दरें- वित्तीय वर्ष 2017/2018 (आ.व.- 2018-19)
| म्यूचुअल फंड योजना के प्रकार | शॉर्ट टर्म कैपिटल गेन्स (STCG) | लॉन्ग टर्म कैपिटल गेन्स (LTCG) |
|---|---|---|
| इक्विटी फंड- STCG- एक वर्ष से कम या उसके बराबर धारित इकाइयाँ, LTCG- एक वर्ष से अधिक धारित इकाइयाँ | 15% | शून्य |
| गैर-इक्विटी फंड- STCG- 3 साल या उससे कम के लिए धारित इकाइयाँ, LTCG- 3 साल से अधिक के लिए धारित इकाइयाँ | व्यक्ति के अनुसारआयकर ब्रैकेट | लिस्टेड फंड्स पर-20% (इंडेक्सेशन के साथ), अनलिस्टेड फंड्स- 10% (इंडेक्सेशन के बिना) |
लाभांश पर म्युचुअल फंड कराधान
इक्विटी फंड पर लाभांशइक्विटी फंड के लिए यूनिट होल्डर के हाथ में मिलने वाला डिविडेंड पूरी तरह से टैक्स फ्री होता है। लाभांश भी कर मुक्त हैएएमसी.
डेट फंड पर लाभांश: एएमसी को इस लाभांश आय को अपने यूनिट-धारकों को वितरित करने से पहले 28.84% का लाभांश वितरण कर (डीडीटी) देना होगा। a . द्वारा प्राप्त लाभांश आयडेट फंड यूनिट धारक भी कर मुक्त है।
नीचे निर्धारण वर्ष 2018-19 के लिए अनिवासी भारतीयों द्वारा एमएफ मोचन पर लागू टीडीएस दर है।
म्यूचुअल फंड पर एनआरआई कराधान- पूंजीगत लाभ कर दरें- वित्त वर्ष 2017/2018 (एवाई- 2018-19)
| एनआरआई और टीडीएस दर द्वारा म्युचुअल फंड मोचन | एसटीसीजी और टीडीएस दर | एलटीसीजी और टीडीएस दर |
|---|---|---|
| एमएफ योजना का प्रकार | ||
| इक्विटी ओरिएंटेड फंड | 15% | शून्य |
| ऋण निधि | 30% | लिस्टेड फंड्स पर- 20% (इंडेक्सेशन के साथ), अनलिस्टेड फंड्स- 10% (इंडेक्सेशन के बिना) |
यूरोप स्थित एनआरआई के लिए सर्वश्रेष्ठ म्युचुअल फंड
Fund 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. Franklin India Short Term Income Plan - Retail Plan Growth 192.1 192.1 192.1 47.3 32.5 Short term Bond DSP World Gold Fund Growth 29.6 43.8 72.6 43.5 15 15.9 Global ICICI Prudential Regular Gold Savings Fund Growth 18 22.2 46.9 30.5 16.6 19.5 Gold Franklin India Opportunities Fund Growth 4.7 12.1 9 30.4 27.7 37.3 Sectoral Nippon India Gold Savings Fund Growth 17.9 22.3 46.7 30.3 16.3 19 Gold HDFC Gold Fund Growth 17.8 21.8 46.6 30.3 16.3 18.9 Gold SBI Gold Fund Growth 17.8 21.7 46.5 30.3 16.5 19.6 Gold SBI PSU Fund Growth 5.8 7 6.2 30.1 33.3 23.5 Sectoral IDBI Gold Fund Growth 16.1 19.7 44.1 29.9 16.6 18.7 Gold Axis Gold Fund Growth 17.1 21.1 45.2 29.9 16.1 19.2 Gold Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 May 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Franklin India Short Term Income Plan - Retail Plan DSP World Gold Fund ICICI Prudential Regular Gold Savings Fund Franklin India Opportunities Fund Nippon India Gold Savings Fund HDFC Gold Fund SBI Gold Fund SBI PSU Fund IDBI Gold Fund Axis Gold Fund Point 1 Bottom quartile AUM (₹13 Cr). Lower mid AUM (₹1,421 Cr). Lower mid AUM (₹2,603 Cr). Highest AUM (₹7,509 Cr). Upper mid AUM (₹3,439 Cr). Upper mid AUM (₹4,915 Cr). Top quartile AUM (₹5,221 Cr). Upper mid AUM (₹5,179 Cr). Bottom quartile AUM (₹254 Cr). Bottom quartile AUM (₹1,272 Cr). Point 2 Established history (23+ yrs). Established history (18+ yrs). Established history (14+ yrs). Oldest track record among peers (25 yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (15+ yrs). Established history (13+ yrs). Established history (14+ yrs). Point 3 Rating: 2★ (upper mid). Top rated. Rating: 1★ (lower mid). Rating: 3★ (top quartile). Rating: 2★ (upper mid). Rating: 1★ (bottom quartile). Rating: 2★ (upper mid). Rating: 2★ (lower mid). Not Rated. Rating: 1★ (bottom quartile). Point 4 Risk profile: Moderate. 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: High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 1Y return: 192.10% (top quartile). 5Y return: 15.01% (bottom quartile). 5Y return: 16.57% (upper mid). 5Y return: 27.67% (upper mid). 5Y return: 16.34% (lower mid). 5Y return: 16.29% (bottom quartile). 5Y return: 16.50% (lower mid). 5Y return: 33.32% (top quartile). 5Y return: 16.64% (upper mid). 5Y return: 16.06% (bottom quartile). Point 6 1M return: 192.10% (top quartile). 3Y return: 43.47% (top quartile). 3Y return: 30.47% (upper mid). 3Y return: 30.43% (upper mid). 3Y return: 30.33% (upper mid). 3Y return: 30.33% (lower mid). 3Y return: 30.31% (lower mid). 3Y return: 30.06% (bottom quartile). 3Y return: 29.91% (bottom quartile). 3Y return: 29.87% (bottom quartile). Point 7 Sharpe: -90.89 (bottom quartile). 1Y return: 72.56% (top quartile). 1Y return: 46.87% (upper mid). 1Y return: 8.95% (bottom quartile). 1Y return: 46.67% (upper mid). 1Y return: 46.61% (upper mid). 1Y return: 46.53% (lower mid). 1Y return: 6.17% (bottom quartile). 1Y return: 44.09% (bottom quartile). 1Y return: 45.18% (lower mid). Point 8 Information ratio: -2.42 (bottom quartile). Alpha: 3.15 (top quartile). 1M return: 2.73% (upper mid). Alpha: 2.40 (top quartile). 1M return: 2.74% (upper mid). 1M return: 2.46% (lower mid). 1M return: 2.48% (lower mid). Alpha: -0.35 (bottom quartile). 1M return: 1.69% (bottom quartile). 1M return: 1.97% (bottom quartile). Point 9 Yield to maturity (debt): 0.00% (top quartile). Sharpe: 1.80 (lower mid). Alpha: 0.00 (upper mid). Sharpe: -0.43 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Sharpe: -0.81 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Modified duration: 0.00 yrs (top quartile). Information ratio: -1.09 (bottom quartile). Sharpe: 2.55 (upper mid). Information ratio: 1.75 (top quartile). Sharpe: 2.52 (upper mid). Sharpe: 2.55 (upper mid). Sharpe: 2.58 (top quartile). Information ratio: -0.37 (bottom quartile). Sharpe: 2.38 (lower mid). Sharpe: 2.57 (top quartile). Franklin India Short Term Income Plan - Retail Plan
DSP World Gold Fund
ICICI Prudential Regular Gold Savings Fund
Franklin India Opportunities Fund
Nippon India Gold Savings Fund
HDFC Gold Fund
SBI Gold Fund
SBI PSU Fund
IDBI Gold Fund
Axis Gold Fund
*फंड की सूची पिछले 3 साल के रिटर्न पर आधारित है।
The objective of the Scheme is to provide investors stable returns by investing in fixed income securities. Below is the key information for Franklin India Short Term Income Plan - Retail Plan Returns up to 1 year are on "The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of 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 Below is the key information for DSP World Gold Fund Returns up to 1 year are on ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF).
However, there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for ICICI Prudential Regular Gold Savings Fund Below is the key information for ICICI Prudential Regular Gold Savings Fund Returns up to 1 year are on The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy. Research Highlights for Franklin India Opportunities Fund Below is the key information for Franklin India Opportunities Fund Returns up to 1 year are on The investment objective of the Scheme is to seek to provide returns that closely correspond to returns provided by Reliance ETF Gold BeES. Research Highlights for Nippon India Gold Savings Fund Below is the key information for Nippon India Gold Savings Fund Returns up to 1 year are on To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF). Research Highlights for HDFC Gold Fund Below is the key information for HDFC Gold Fund Returns up to 1 year are on 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 objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others. Research Highlights for SBI PSU Fund Below is the key information for SBI PSU Fund Returns up to 1 year are on The investment objective of the Scheme will be to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund (IDBI GOLD ETF). Research Highlights for IDBI Gold Fund Below is the key information for IDBI Gold Fund Returns up to 1 year are on To generate returns that closely correspond to returns generated by Axis Gold ETF. Research Highlights for Axis Gold Fund Below is the key information for Axis Gold Fund Returns up to 1 year are on 1. Franklin India Short Term Income Plan - Retail Plan
Franklin India Short Term Income Plan - Retail Plan
Growth Launch Date 31 Jan 02 NAV (02 May 25) ₹15,041.3 ↑ 0.11 (0.00 %) Net Assets (Cr) ₹13 on 31 Mar 25 Category Debt - Short term Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0 Sharpe Ratio -90.89 Information Ratio -2.42 Alpha Ratio -6.74 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 0% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹12,081 30 Sep 22 ₹13,040 30 Sep 23 ₹14,242 30 Sep 24 ₹14,242
Purchase not allowed Returns for Franklin India Short Term Income Plan - Retail Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 192.1% 3 Month 192.1% 6 Month 192.1% 1 Year 192.1% 3 Year 47.3% 5 Year 32.5% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Franklin India Short Term Income Plan - Retail Plan
Name Since Tenure Data below for Franklin India Short Term Income Plan - Retail Plan as on 31 Mar 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (27 Oct 25) ₹40.7374 ↓ -1.80 (-4.24 %) Net Assets (Cr) ₹1,421 on 31 Aug 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.8 Information Ratio -1.09 Alpha Ratio 3.15 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 20 ₹10,000 30 Sep 21 ₹7,753 30 Sep 22 ₹6,406 30 Sep 23 ₹7,497 30 Sep 24 ₹10,968 30 Sep 25 ₹21,899 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month -5.8% 3 Month 29.6% 6 Month 43.8% 1 Year 72.6% 3 Year 43.5% 5 Year 15% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% 2015 -18.5% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.59 Yr. Data below for DSP World Gold Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Basic Materials 95.54% Asset Allocation
Asset Class Value Cash 1.83% Equity 95.6% Debt 0.01% Other 2.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -76% ₹1,268 Cr 1,456,030
↓ -89,620 VanEck Gold Miners ETF
- | GDX23% ₹389 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹18 Cr Net Receivables/Payables
Net Current Assets | -0% ₹3 Cr 3. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (28 Oct 25) ₹36.1108 ↓ -1.15 (-3.10 %) Net Assets (Cr) ₹2,603 on 31 Aug 25 Category Gold - Gold AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.38 Sharpe Ratio 2.55 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 20 ₹10,000 30 Sep 21 ₹9,035 30 Sep 22 ₹9,753 30 Sep 23 ₹11,088 30 Sep 24 ₹14,321 30 Sep 25 ₹21,617 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 May 25 Duration Returns 1 Month 2.7% 3 Month 18% 6 Month 22.2% 1 Year 46.9% 3 Year 30.5% 5 Year 16.6% 10 Year 15 Year Since launch 9.6% 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 13.02 Yr. Nishit Patel 29 Dec 20 4.76 Yr. Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 1.47% Other 98.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -100% ₹3,301 Cr 331,508,144
↑ 37,135,052 Treps
CBLO/Reverse Repo | -1% ₹40 Cr Net Current Assets
Net Current Assets | -1% -₹36 Cr 4. Franklin India Opportunities Fund
Franklin India Opportunities Fund
Growth Launch Date 21 Feb 00 NAV (27 Oct 25) ₹263.665 ↑ 2.48 (0.95 %) Net Assets (Cr) ₹7,509 on 31 Aug 25 Category Equity - Sectoral AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.83 Sharpe Ratio -0.43 Information Ratio 1.75 Alpha Ratio 2.4 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 20 ₹10,000 30 Sep 21 ₹16,667 30 Sep 22 ₹16,312 30 Sep 23 ₹21,669 30 Sep 24 ₹35,745 30 Sep 25 ₹35,091 Returns for Franklin India Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 3.9% 3 Month 4.7% 6 Month 12.1% 1 Year 9% 3 Year 30.4% 5 Year 27.7% 10 Year 15 Year Since launch 13.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 37.3% 2023 53.6% 2022 -1.9% 2021 29.7% 2020 27.3% 2019 5.4% 2018 -10.1% 2017 35.6% 2016 4.2% 2015 2.3% Fund Manager information for Franklin India Opportunities Fund
Name Since Tenure Kiran Sebastian 7 Feb 22 3.65 Yr. R. Janakiraman 1 Apr 13 12.51 Yr. Sandeep Manam 18 Oct 21 3.96 Yr. Data below for Franklin India Opportunities Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Consumer Cyclical 20.07% Financial Services 18.85% Health Care 12.76% Technology 11.87% Basic Materials 9.66% Communication Services 5.71% Industrials 4.42% Energy 4.34% Utility 2.78% Consumer Defensive 1.74% Real Estate 0.5% Asset Allocation
Asset Class Value Cash 7.28% Equity 92.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 24 | HDFCBANK5% ₹389 Cr 4,087,942 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE4% ₹337 Cr 2,472,229 Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | 5322154% ₹334 Cr 2,950,277 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | 5433204% ₹311 Cr 9,548,090 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 25 | MARUTI4% ₹272 Cr 169,582 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | M&M3% ₹219 Cr 637,966 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL3% ₹218 Cr 1,158,502 Mphasis Ltd (Technology)
Equity, Since 30 Nov 24 | 5262993% ₹216 Cr 814,231 NTPC Ltd (Utilities)
Equity, Since 31 Aug 22 | 5325553% ₹216 Cr 6,333,312 Lemon Tree Hotels Ltd (Consumer Cyclical)
Equity, Since 31 Aug 24 | LEMONTREE3% ₹213 Cr 12,833,401 5. Nippon India Gold Savings Fund
Nippon India Gold Savings Fund
Growth Launch Date 7 Mar 11 NAV (28 Oct 25) ₹44.6633 ↓ -1.52 (-3.29 %) Net Assets (Cr) ₹3,439 on 31 Aug 25 Category Gold - Gold AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderately High Expense Ratio 0.35 Sharpe Ratio 2.52 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 20 ₹10,000 30 Sep 21 ₹8,958 30 Sep 22 ₹9,692 30 Sep 23 ₹11,032 30 Sep 24 ₹14,174 30 Sep 25 ₹21,300 Returns for Nippon India Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 2.7% 3 Month 17.9% 6 Month 22.3% 1 Year 46.7% 3 Year 30.3% 5 Year 16.3% 10 Year 15 Year Since launch 10.8% 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 1.77 Yr. Data below for Nippon India Gold Savings Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 1.14% Other 98.86% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nippon India ETF Gold BeES
- | -100% ₹4,139 Cr 431,810,511
↑ 28,940,000 Net Current Assets
Net Current Assets | -1% -₹29 Cr Triparty Repo
CBLO/Reverse Repo | -1% ₹21 Cr Cash Margin - Ccil
CBLO | -0% ₹0 Cr Cash
Net Current Assets | -0% ₹0 Cr 00 6. HDFC Gold Fund
HDFC Gold Fund
Growth Launch Date 24 Oct 11 NAV (28 Oct 25) ₹34.7846 ↓ -1.22 (-3.39 %) Net Assets (Cr) ₹4,915 on 31 Aug 25 Category Gold - Gold AMC HDFC Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.49 Sharpe Ratio 2.55 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 20 ₹10,000 30 Sep 21 ₹8,979 30 Sep 22 ₹9,716 30 Sep 23 ₹11,065 30 Sep 24 ₹14,244 30 Sep 25 ₹21,453 Returns for HDFC Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 2.5% 3 Month 17.8% 6 Month 21.8% 1 Year 46.6% 3 Year 30.3% 5 Year 16.3% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.9% 2023 14.1% 2022 12.7% 2021 -5.5% 2020 27.5% 2019 21.7% 2018 6.6% 2017 2.8% 2016 10.1% 2015 -7.3% Fund Manager information for HDFC Gold Fund
Name Since Tenure Arun Agarwal 15 Feb 23 2.63 Yr. Nandita Menezes 29 Mar 25 0.51 Yr. Data below for HDFC Gold Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 1.13% Other 98.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Gold ETF
- | -100% ₹6,356 Cr Net Current Assets
Net Current Assets | -1% -₹49 Cr Treps - Tri-Party Repo
CBLO/Reverse Repo | -0% ₹22 Cr 7. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (28 Oct 25) ₹34.0323 ↓ -1.20 (-3.41 %) Net Assets (Cr) ₹5,221 on 31 Aug 25 Category Gold - Gold AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.3 Sharpe Ratio 2.58 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 20 ₹10,000 30 Sep 21 ₹9,030 30 Sep 22 ₹9,763 30 Sep 23 ₹11,132 30 Sep 24 ₹14,369 30 Sep 25 ₹21,663 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 2.5% 3 Month 17.8% 6 Month 21.7% 1 Year 46.5% 3 Year 30.3% 5 Year 16.5% 10 Year 15 Year Since launch 9.1% 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 14.06 Yr. Data below for SBI Gold Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 0.27% Other 99.73% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -101% ₹7,118 Cr 717,924,671
↑ 124,207,431 Net Receivable / Payable
CBLO | -4% -₹255 Cr Treps
CBLO/Reverse Repo | -2% ₹171 Cr 8. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (28 Oct 25) ₹33.2632 ↓ -0.05 (-0.16 %) Net Assets (Cr) ₹5,179 on 31 Aug 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio -0.81 Information Ratio -0.37 Alpha Ratio -0.35 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 20 ₹10,000 30 Sep 21 ₹16,196 30 Sep 22 ₹17,561 30 Sep 23 ₹25,841 30 Sep 24 ₹42,766 30 Sep 25 ₹40,703 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 5.1% 3 Month 5.8% 6 Month 7% 1 Year 6.2% 3 Year 30.1% 5 Year 33.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.5% 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% 2015 -11.1% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 1.33 Yr. Data below for SBI PSU Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Financial Services 36.21% Utility 29.89% Energy 13.58% Industrials 12.34% Basic Materials 5.79% Asset Allocation
Asset Class Value Cash 2.18% Equity 97.82% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN16% ₹866 Cr 9,927,500 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹524 Cr 12,975,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325559% ₹495 Cr 14,543,244 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328988% ₹463 Cr 16,535,554 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321558% ₹454 Cr 25,750,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹329 Cr 9,700,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321345% ₹284 Cr 11,000,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹213 Cr 27,900,000 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328143% ₹182 Cr 2,427,235 Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL3% ₹159 Cr 3,850,000 9. IDBI Gold Fund
IDBI Gold Fund
Growth Launch Date 14 Aug 12 NAV (28 Oct 25) ₹29.8578 ↓ -1.31 (-4.19 %) Net Assets (Cr) ₹254 on 31 Aug 25 Category Gold - Gold AMC IDBI Asset Management Limited Rating Risk Moderately High Expense Ratio 0.64 Sharpe Ratio 2.38 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 20 ₹10,000 30 Sep 21 ₹9,217 30 Sep 22 ₹10,058 30 Sep 23 ₹11,430 30 Sep 24 ₹14,833 30 Sep 25 ₹22,097 Returns for IDBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 1.7% 3 Month 16.1% 6 Month 19.7% 1 Year 44.1% 3 Year 29.9% 5 Year 16.6% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.7% 2023 14.8% 2022 12% 2021 -4% 2020 24.2% 2019 21.6% 2018 5.8% 2017 1.4% 2016 8.3% 2015 -8.7% Fund Manager information for IDBI Gold Fund
Name Since Tenure Sumit Bhatnagar 1 Jun 24 1.33 Yr. Data below for IDBI Gold Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 2.75% Other 97.25% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC MF Gold ETF
- | -99% ₹369 Cr 353,644
↑ 83,600 Treps
CBLO/Reverse Repo | -2% ₹7 Cr Net Receivables / (Payables)
CBLO | -1% -₹4 Cr 10. Axis Gold Fund
Axis Gold Fund
Growth Launch Date 20 Oct 11 NAV (28 Oct 25) ₹33.6834 ↓ -1.30 (-3.73 %) Net Assets (Cr) ₹1,272 on 31 Aug 25 Category Gold - Gold AMC Axis Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.5 Sharpe Ratio 2.57 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 20 ₹10,000 30 Sep 21 ₹9,072 30 Sep 22 ₹9,818 30 Sep 23 ₹11,221 30 Sep 24 ₹14,428 30 Sep 25 ₹21,617 Returns for Axis Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 2% 3 Month 17.1% 6 Month 21.1% 1 Year 45.2% 3 Year 29.9% 5 Year 16.1% 10 Year 15 Year Since launch 9% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.2% 2023 14.7% 2022 12.5% 2021 -4.7% 2020 26.9% 2019 23.1% 2018 8.3% 2017 0.7% 2016 10.7% 2015 -11.9% Fund Manager information for Axis Gold Fund
Name Since Tenure Aditya Pagaria 9 Nov 21 3.9 Yr. Pratik Tibrewal 1 Feb 25 0.66 Yr. Data below for Axis Gold Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 1.23% Other 98.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Gold ETF
- | -100% ₹1,562 Cr 161,319,805
↑ 14,191,095 Net Receivables / (Payables)
CBLO | -1% -₹11 Cr Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -0% ₹5 Cr
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Research Highlights for Franklin India Short Term Income Plan - Retail Plan