पंजाब नेशनल बैंक में एसआईपी लेनदेन के लिए बिलर कैसे जोड़ें?

Updated on March 22, 2026 , 64604 views

मेंसिप या व्यवस्थितनिवेश योजना व्यक्तियों में छोटी राशि जमाम्यूचुअल फंड निश्चित अंतराल पर योजनाएं। चूंकि पैसे नियमित अंतराल पर काटे जाते हैं, इसलिए व्यक्ति बिलर्स को अपने में जोड़कर भुगतान प्रक्रिया को आसान बना सकते हैंबैंक कारण। एसआईपी लेनदेन के लिए बिलर जोड़ने के लिए, व्यक्तियों के पास एसआईपी लेनदेन का विशिष्ट पंजीकरण संख्या या यूआरएन होना चाहिए। पहला एसआईपी भुगतान करने के बाद व्यक्तियों को यह नंबर मिलता है। प्रत्येक बैंक के लिए बिलर जोड़ने की प्रक्रिया अलग है। तो, आइए पंजाब में एसआईपी लेनदेन के लिए बिलर जोड़ने की प्रक्रिया को समझते हैंराष्ट्रीय बैंक. इन स्टेप्स को मोबाइल बैंकिंग की मदद से नीचे समझाया गया है।

अपना पीएनबी मोबाइल एप्लिकेशन खोलें

लॉगिन की प्रक्रिया में पहला कदम अपने मोबाइल पर पीएनबी मोबाइल एप्लिकेशन दर्ज करना है। इस चरण की छवि नीचे दी गई है जहां पीएनबी मोबाइल एप्लिकेशन का आइकन हरे रंग में हाइलाइट किया गया है।

एक बार जब आप पीएनबी एप्लिकेशन पर क्लिक करते हैं, तो एक नई स्क्रीन खुलती है। इस स्क्रीन में आपको अपना यूजर आईडी और एमपिन डालना होगा। इस चरण के लिए छवि नीचे दी गई है जहां उपयोगकर्ता आईडी और एमपिन ब्लॉक हरे रंग में हाइलाइट किए गए हैं।

होम स्क्रीन में भुगतान रिचार्ज का चयन करें

होम स्क्रीन पर अपनी यूजर आईडी और एमपिन से लॉग इन करने के बाद, आपको पर क्लिक करना होगाभुगतान/रिचार्ज विकल्प। इस चरण के लिए चित्र भुगतान/रिचार्ज टैब के नीचे हरे रंग में हाइलाइट किया गया है।

रजिस्टर बिलर पर क्लिक करें

यह बिलर जोड़ने की प्रक्रिया का चौथा चरण है। एक बार जब आप भुगतान/रिचार्ज पर क्लिक करते हैं, तो एक नया टैब खुलता है जिसमें विभिन्न विकल्प होते हैं जैसे रजिस्टर बिलर, बिल देखें और भुगतान करें, बिलर देखें, और इसी तरह। इस स्टेप में आपको पर क्लिक करना होगारजिस्टर बिलर विकल्प। इस चरण की छवि इस प्रकार है जहां हरे रंग में रजिस्टर बिलर विकल्प हाइलाइट किया गया है।

म्यूचुअल फंड विकल्प पर क्लिक करें

एक बार जब आप रजिस्टर बिलर पर क्लिक करते हैं, तो एक नई स्क्रीन खुलती है जो विभिन्न बिलर्स को दिखाती है जिन्हें जोड़ा जा सकता है। कुछ विकल्पों में शामिल हैंबीमा, सदस्यता, दूरसंचार, और इसी तरह। यहां, आपको चयन करने की आवश्यकता हैम्यूचुअल फंड विकल्प। इस चरण की छवि इस प्रकार है जहां हरे रंग में म्यूचुअल फंड विकल्प हाइलाइट किया गया है।

बीएसई लिमिटेड का चयन करें

एक बार जब आप पिछले चरण में म्यूचुअल फंड पर क्लिक करते हैं, तो आप एक नई स्क्रीन पर रीडायरेक्ट हो जाते हैं जहां बहुत सारे विकल्प होते हैं; आपको चयन करने की आवश्यकता हैBSE Limited. इस चरण की छवि इस प्रकार है जहां बीएसई लिमिटेड को हरे रंग में हाइलाइट किया गया है।

यूआरएन और उपनाम दर्ज करें

इस चरण में, आपको उपनाम के साथ एसआईपी लेनदेन का विशिष्ट पंजीकरण संख्या या यूआरएन दर्ज करना होगा। यह यूआरएन नंबर वह है जिसे आप फिनकैश से अपने ईमेल में प्राप्त करते हैं। यदि आपको URN प्राप्त नहीं होता है; तो आप इसे * पर लॉग इन करके प्राप्त कर सकते हैंआपका फिनकैश खाता* और माई एसआईपी सेक्शन में जाकर। विवरण दर्ज करने के बाद, आपको जारी रखें पर क्लिक करना होगा। इस चरण की छवि इस प्रकार है जहाँ URN नंबर बॉक्स को हरे रंग में हाइलाइट किया गया है।

एक बार जब आप जारी रखें पर क्लिक करते हैं, तो नई स्क्रीन में आपको ऑटो भुगतान विकल्पों से संबंधित विवरण जोड़ना होगा जिसमें; आपको ऑटो पे के लिए चयन करना होगा। फिर आपको अपने पंजीकृत मोबाइल नंबर पर प्राप्त ओटीपी दर्ज करना होगा। एक बार जब आप ओटीपी दर्ज करते हैं, तो बिलर जोड़ने की प्रक्रिया की पुष्टि हो जाती है.

इस प्रकार, उपरोक्त चरणों से, हम कह सकते हैं कि पंजाब नेशनल बैंक में बिलर जोड़ने की प्रक्रिया आसान है।

बेहतर रिटर्न अर्जित करने के लिए निवेश करने के लिए सर्वश्रेष्ठ एसआईपी

यहाँ कुछ अनुशंसित SIP हैं:5 वर्ष से अधिक का रिटर्न और एयूएमINR 500 करोड़:

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹33.6928 ↑ 0.43	₹6,545	500	-0.2	3.2	10.2	31.4	26	11.3
DSP World Gold Fund Growth	₹53.337 ↑ 1.77	₹2,191	500	-2.6	21.3	105.6	46	25.4	167.1
ICICI Prudential Infrastructure Fund Growth	₹178.78 ↑ 3.75	₹8,098	100	-8.9	-8.8	-0.3	21.4	24.4	6.7
SBI Gold Fund Growth	₹42.0439 ↑ 1.27	₹15,700	500	2.2	22.1	57.5	31.4	24.1	71.5
Axis Gold Fund Growth	₹40.5756 ↑ 2.28	₹2,998	1,000	2.3	22.3	57.5	31.2	24	69.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI PSU Fund	DSP World Gold Fund	ICICI Prudential Infrastructure Fund	SBI Gold Fund	Axis Gold Fund
Point 1	Lower mid AUM (₹6,545 Cr).	Bottom quartile AUM (₹2,191 Cr).	Upper mid AUM (₹8,098 Cr).	Highest AUM (₹15,700 Cr).	Bottom quartile AUM (₹2,998 Cr).
Point 2	Established history (15+ yrs).	Established history (18+ yrs).	Oldest track record among peers (20 yrs).	Established history (14+ yrs).	Established history (14+ yrs).
Point 3	Rating: 2★ (lower mid).	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 26.00% (top quartile).	5Y return: 25.37% (upper mid).	5Y return: 24.41% (lower mid).	5Y return: 24.08% (bottom quartile).	5Y return: 23.95% (bottom quartile).
Point 6	3Y return: 31.39% (upper mid).	3Y return: 45.98% (top quartile).	3Y return: 21.38% (bottom quartile).	3Y return: 31.36% (lower mid).	3Y return: 31.21% (bottom quartile).
Point 7	1Y return: 10.17% (bottom quartile).	1Y return: 105.64% (top quartile).	1Y return: -0.28% (bottom quartile).	1Y return: 57.53% (upper mid).	1Y return: 57.52% (lower mid).
Point 8	Alpha: 0.92 (upper mid).	Alpha: 6.90 (top quartile).	Alpha: 0.00 (lower mid).	1M return: -11.91% (bottom quartile).	1M return: -11.83% (lower mid).
Point 9	Sharpe: 1.90 (bottom quartile).	Sharpe: 4.06 (top quartile).	Sharpe: 1.03 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Information ratio: -0.27 (bottom quartile).	Information ratio: -1.08 (bottom quartile).	Information ratio: 0.00 (top quartile).	Sharpe: 2.95 (lower mid).	Sharpe: 3.39 (upper mid).

SBI PSU Fund

Lower mid AUM (₹6,545 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 26.00% (top quartile).
3Y return: 31.39% (upper mid).
1Y return: 10.17% (bottom quartile).
Alpha: 0.92 (upper mid).
Sharpe: 1.90 (bottom quartile).
Information ratio: -0.27 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹2,191 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 25.37% (upper mid).
3Y return: 45.98% (top quartile).
1Y return: 105.64% (top quartile).
Alpha: 6.90 (top quartile).
Sharpe: 4.06 (top quartile).
Information ratio: -1.08 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,098 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 24.41% (lower mid).
3Y return: 21.38% (bottom quartile).
1Y return: -0.28% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.03 (bottom quartile).
Information ratio: 0.00 (top quartile).

SBI Gold Fund

Highest AUM (₹15,700 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.08% (bottom quartile).
3Y return: 31.36% (lower mid).
1Y return: 57.53% (upper mid).
1M return: -11.91% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.95 (lower mid).

Axis Gold Fund

Bottom quartile AUM (₹2,998 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.95% (bottom quartile).
3Y return: 31.21% (bottom quartile).
1Y return: 57.52% (lower mid).
1M return: -11.83% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.39 (upper mid).

1. SBI PSU Fund

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

Lower mid AUM (₹6,545 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 26.00% (top quartile).
3Y return: 31.39% (upper mid).
1Y return: 10.17% (bottom quartile).
Alpha: 0.92 (upper mid).
Sharpe: 1.90 (bottom quartile).
Information ratio: -0.27 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~18.2%).
Top-3 holdings concentration ~36.6%.

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (25 Mar 26)	₹33.6928 ↑ 0.43 (1.29 %)
Net Assets (Cr)	₹6,545 on 28 Feb 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	1.9
Information Ratio	-0.27
Alpha Ratio	0.92
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
28 Feb 21	₹10,000
28 Feb 22	₹11,846
28 Feb 23	₹13,615
29 Feb 24	₹26,250
28 Feb 25	₹24,523
28 Feb 26	₹34,330

SBI PSU 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 PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Mar 26

Duration	Returns
1 Month	-10%
3 Month	-0.2%
6 Month	3.2%
1 Year	10.2%
3 Year	31.4%
5 Year	26%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.3%
2023	23.5%
2022	54%
2021	29%
2020	32.4%
2019	-10%
2018	6%
2017	-23.8%
2016	21.9%
2015	16.2%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.75 Yr.

Data below for SBI PSU Fund as on 28 Feb 26

Equity Sector Allocation

Sector	Value
Financial Services	32.81%
Utility	30.45%
Energy	14.36%
Industrials	12.03%
Basic Materials	6.19%

Asset Allocation

Asset Class	Value
Cash	4.09%
Equity	95.84%
Debt	0.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	18%	₹1,193 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹610 Cr	13,725,000 ↑ 750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| POWERGRID	9%	₹595 Cr	19,935,554
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| GAIL	9%	₹593 Cr	34,950,000 ↑ 5,800,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| NTPC	9%	₹590 Cr	15,443,244
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| BPCL	6%	₹374 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| BANKBARODA	5%	₹354 Cr	11,000,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	4%	₹240 Cr	2,427,235
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| NMDC	3%	₹228 Cr	27,900,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹186 Cr	3,850,000

2. 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 (₹2,191 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 25.37% (upper mid).
3Y return: 45.98% (top quartile).
1Y return: 105.64% (top quartile).
Alpha: 6.90 (top quartile).
Sharpe: 4.06 (top quartile).
Information ratio: -1.08 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~69.9%).
Top-3 holdings concentration ~101.6%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (23 Mar 26)	₹53.337 ↑ 1.77 (3.43 %)
Net Assets (Cr)	₹2,191 on 28 Feb 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	4.06
Information Ratio	-1.08
Alpha Ratio	6.9
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
28 Feb 21	₹10,000
28 Feb 22	₹10,843
28 Feb 23	₹9,241
29 Feb 24	₹8,778
28 Feb 25	₹13,911
28 Feb 26	₹41,909

DSP World 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 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 25 Mar 26

Duration	Returns
1 Month	-19.9%
3 Month	-2.6%
6 Month	21.3%
1 Year	105.6%
3 Year	46%
5 Year	25.4%
10 Year
15 Year
Since launch	9.5%

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
Jay Kothari	1 Mar 13	13.01 Yr.

Data below for DSP World Gold Fund as on 28 Feb 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.27%

Asset Allocation

Asset Class	Value
Cash	3.92%
Equity	94.27%
Debt	0.01%
Other	1.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	70%	₹1,531 Cr	1,103,589 ↓ -74,069
VanEck Gold Miners ETF - \| GDX	28%	₹604 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹90 Cr
Net Receivables/Payables Net Current Assets \| -	2%	-₹35 Cr

3. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,098 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 24.41% (lower mid).
3Y return: 21.38% (bottom quartile).
1Y return: -0.28% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.03 (bottom quartile).
Information ratio: 0.00 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding InterGlobe Aviation Ltd (~8.3%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (24 Mar 26)	₹178.78 ↑ 3.75 (2.14 %)
Net Assets (Cr)	₹8,098 on 28 Feb 26
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	1.03
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹13,019
28 Feb 23	₹16,071
29 Feb 24	₹26,195
28 Feb 25	₹26,606
28 Feb 26	₹31,983

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Mar 26

Duration	Returns
1 Month	-9.3%
3 Month	-8.9%
6 Month	-8.8%
1 Year	-0.3%
3 Year	21.4%
5 Year	24.4%
10 Year
15 Year
Since launch	15.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	27.4%
2022	44.6%
2021	28.8%
2020	50.1%
2019	3.6%
2018	2.6%
2017	-14%
2016	40.8%
2015	2%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.75 Yr.
Sharmila D’mello	30 Jun 22	3.67 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 28 Feb 26

Equity Sector Allocation

Sector	Value
Industrials	46.67%
Financial Services	11.63%
Basic Materials	9.64%
Utility	9.63%
Real Estate	7.38%
Energy	5.04%
Consumer Cyclical	2.22%
Communication Services	0.1%

Asset Allocation

Asset Class	Value
Cash	7.37%
Equity	92.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	8%	₹672 Cr	1,391,449
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	7%	₹601 Cr	1,405,704 ↓ -350,000
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| NTPC	4%	₹356 Cr	9,326,448
Oberoi Realty Ltd (Real Estate) Equity, Since 31 May 23 \| OBEROIRLTY	4%	₹310 Cr	2,032,833 ↑ 336,652
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹240 Cr	1,931,967
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	3%	₹232 Cr	2,424,016
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹221 Cr	574,561
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹213 Cr	1,529,725
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	2%	₹202 Cr	13,203,905 ↑ 150,000
Brigade Enterprises Ltd (Real Estate) Equity, Since 30 Nov 25 \| BRIGADE	2%	₹201 Cr	2,901,049 ↑ 489,113

4. 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 (₹15,700 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.08% (bottom quartile).
3Y return: 31.36% (lower mid).
1Y return: 57.53% (upper mid).
1M return: -11.91% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.95 (lower mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.0%).
Top-3 holdings concentration ~100.8%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (25 Mar 26)	₹42.0439 ↑ 1.27 (3.11 %)
Net Assets (Cr)	₹15,700 on 28 Feb 26
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	2.95
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
28 Feb 21	₹10,000
28 Feb 22	₹10,758
28 Feb 23	₹11,753
29 Feb 24	₹13,021
28 Feb 25	₹17,592
28 Feb 26	₹32,463

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for SBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Mar 26

Duration	Returns
1 Month	-11.9%
3 Month	2.2%
6 Month	22.1%
1 Year	57.5%
3 Year	31.4%
5 Year	24.1%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Viral Chhadva	1 Mar 26	0 Yr.

Data below for SBI Gold Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.42%
Other	98.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹15,701 Cr	1,156,186,343 ↑ 58,974,677
Net Receivable / Payable CBLO \| -	0%	-₹61 Cr
Treps CBLO/Reverse Repo \| -	0%	₹60 Cr

5. Axis Gold Fund

To generate returns that closely correspond to returns generated by Axis Gold ETF.

Research Highlights for Axis Gold Fund

Bottom quartile AUM (₹2,998 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.95% (bottom quartile).
3Y return: 31.21% (bottom quartile).
1Y return: 57.52% (lower mid).
1M return: -11.83% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.39 (upper mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~99.8%).
Top-3 holdings concentration ~100.4%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (24 Mar 26)	₹40.5756 ↑ 2.28 (5.95 %)
Net Assets (Cr)	₹2,998 on 28 Feb 26
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	3.39
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
28 Feb 21	₹10,000
28 Feb 22	₹10,774
28 Feb 23	₹11,753
29 Feb 24	₹13,072
28 Feb 25	₹17,493
28 Feb 26	₹32,250

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 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 25 Mar 26

Duration	Returns
1 Month	-11.8%
3 Month	2.3%
6 Month	22.3%
1 Year	57.5%
3 Year	31.2%
5 Year	24%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Axis Gold Fund

Name	Since	Tenure
Aditya Pagaria	9 Nov 21	4.31 Yr.
Pratik Tibrewal	1 Feb 25	1.07 Yr.

Data below for Axis Gold Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.85%
Other	98.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹2,992 Cr	225,201,921 ↑ 9,540,137
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	0%	₹11 Cr
Net Receivables / (Payables) CBLO \| -	0%	-₹6 Cr

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Research Highlights & Commentary of 5 Funds showcased

SBI PSU Fund

DSP World Gold Fund

ICICI Prudential Infrastructure Fund

SBI Gold Fund

Axis Gold Fund

1. SBI PSU Fund

Growth of 10,000 investment over the years.

SBI PSU Fund SIP Returns

Returns for SBI PSU Fund

Historical performance (Yearly) on absolute basis

Fund Manager information for SBI PSU Fund

Data below for SBI PSU Fund as on 28 Feb 26

Equity Sector Allocation

Asset Allocation

Top Securities Holdings / Portfolio

2. DSP World Gold Fund

Growth of 10,000 investment over the years.

DSP World Gold Fund SIP Returns

Returns for DSP World Gold Fund

Historical performance (Yearly) on absolute basis

Fund Manager information for DSP World Gold Fund

Data below for DSP World Gold Fund as on 28 Feb 26

Equity Sector Allocation

Asset Allocation

Top Securities Holdings / Portfolio

3. ICICI Prudential Infrastructure Fund

Growth of 10,000 investment over the years.

ICICI Prudential Infrastructure Fund SIP Returns

Returns for ICICI Prudential Infrastructure Fund

Historical performance (Yearly) on absolute basis

Fund Manager information for ICICI Prudential Infrastructure Fund

Data below for ICICI Prudential Infrastructure Fund as on 28 Feb 26

Equity Sector Allocation

Asset Allocation

Top Securities Holdings / Portfolio

4. SBI Gold Fund

Growth of 10,000 investment over the years.

SBI Gold Fund SIP Returns

Returns for SBI Gold Fund

Historical performance (Yearly) on absolute basis

Fund Manager information for SBI Gold Fund

Data below for SBI Gold Fund as on 28 Feb 26

Asset Allocation

Top Securities Holdings / Portfolio

5. Axis Gold Fund

Growth of 10,000 investment over the years.

Axis Gold Fund SIP Returns

Returns for Axis Gold Fund

Historical performance (Yearly) on absolute basis

Fund Manager information for Axis Gold Fund

Data below for Axis Gold Fund as on 28 Feb 26

Asset Allocation

Top Securities Holdings / Portfolio