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How Should NRIs in Singapore Opt for Mutual Funds in India?

Updated on October 6, 2025 , 5797 views

As, India is one of the fastest growing economies in the world with over 5 percent GDP growth for many years, it attracts thousands of NRI investors from abroad. World Bank and IMF have projected India’s GDP to grow at 7.4 percent and 7.8 percent in 2018 and 2019 respectively. Currently, India is world’s fifth largest Economy at $2.7 trillion GDP.

Non-Resident Indians (NRIs) living in Singapore can plan their investment in Mutual Funds India in order to earn optimal returns in the long-run. Singapore-based NRIs can invest in stocks in India via mutual funds by Investing in Equity Funds. Equities are ideal for long-term investments, if you have goals like retirement, purchase of a house, or if you just want to build wealth these funds can be an ideal option. And in case, if you want to earn returns higher than bank savings accounts than investing in debt funds for short-term is advisable. Before investing, one should always access their risk ability.

The size of the Indian economy is expected to double to $5 trillion by 2025. Also, a report by the US Department of Agriculture projects India to become the third largest economy at $6.6 trillion by 2030.

Singapore-based NRIs who want to invest in Mutual Funds in India there are some of the important guidelines & rules that need to be followed in order to begin their investment.

Singapore-NRI

Accounts for NRIs Living in Singapore

To invest in Mutual Funds in India one is supposed to open any of the following accounts with an Indian bank:

NRE Account

This is Non-Resident External (NRE) account which can be in the form of savings, current, fixed or Recurring deposit. You need to deposit the foreign currency in this account. To be able to deposit Indian currency, you must open NRO account. There is no upper limit on the transaction amount in an NRE account.

NRO Account

The NRO or Non-Resident Ordinary account is in the form of savings or current account that is meant for NRIs to manage their Income earned in India. In NRO account, foreign currency gets converted into Indian rupees after it gets deposited. An NRO account can be held jointly with another NRI as well as resident Indian (close relatives).

FCNR Account

This stands for Foreign Currency Non-Repatriable account deposits. In this account, NRIs can remit their Earnings in one of the six currencies such as Canadian $, US$, Euro, AU$, Yen, and Pound. Funds can be transferred from other FCNR or NRE accounts. In FCNR, the principal and interest don’t accrue any tax.

Once you open any of these accounts, you need successfully complete your KYC (Know Your Customer), under KYC norms, which is set by SEBI (Securities Exchange Board of India). One can complete their KYC with any of the SEBI-registered intermediates.

KYC Procedure for Singapore NRIs to Invest in Mutual Funds

To successfully complete your KYC procedure, Singapore NRIs need to complete certain important steps and furnish documents like:

a. KYC Form

An NRI needs to submit the KYC Form with all the necessary details filled to the SEBI registered intermediate. The documents can be sent by courier/post to the intermediate.

b. Documents

Following are the necessary documents that need to be submitted:

  • Overseas address proof
  • Indian resident address proof
  • A recent photograph
  • Passport copy

In case of NRIs in the Merchant Navy, a mariner’s declaration or certified copy of Continuous Discharge Certificate must be submitted.

c. Attestation

NRIs or PIOs (Person of India Origin) can get the above documents attested by the authorised officials of overseas branches of scheduled commercial banks registered in India, judge, court magistrate, public notaries, or the Indian embassy/consulate general in the country that they are located.

d. In Personal Verification (IPV)

As per SEBI rules, IPV is mandatory for KYC process. The intermediate should conduct the IPV of NRIs/PIOs.

Please note that all the above documents/proofs while submitting should be in the English language.

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Mutual Fund Taxation for Non-Resident Indian(NRI)

Capital Gains Tax Rates on NRI Mutual Fund Investments for the Financial Year 2017-18 (Assessment Year 2018-19) are as below:

NRI taxation on Mutual Funds- Capital Gains Tax Rates- FY 2017/2018 (AY- 2018-19)

Types of Mutual Fund Scheme Short Term Capital Gains (STCG) Long Term Capital Gains (LTCG)
Equity Funds- STCG- Units held less than or equal to a year, LTCG- Units held more than a year 15% Nil
Non-Equity Funds- STCG- Units held for 3 years or less, LTCG- Units held for more than 3 years As per Individual’s income tax bracket On listed funds-20% (with indexation), Unlisted funds- 10% (without indexation)

Mutual Fund Taxation on Dividends

  • Dividends on Equity Funds: The dividend received in the hands of unit holder for equity funds is completely tax-free. The dividend is also tax-free to the AMC.

  • Dividends on Debt Funds: The AMC has to pay a dividend distribution tax (DDT) of 28.84% before distributing this dividend income to its unit-holders. The dividend income received by a Debt fund unit holder is also tax-free.

Below is the TDS rate applicable on MF redemptions by NRIs for AY 2018-19.

NRI Taxation on Mutual Funds- Capital Gains Tax Rates- FY 2017/2018 (AY- 2018-19)

Mutual Fund Redemptions by NRIs & TDS Rate STCG & TDS Rate LTCG & TDS Rate
Type of MF Scheme
Equity Oriented Funds 15% Nil
Debt Funds 30% On listed funds- 20% (with indexation), unlisted funds- 10% (without indexation)

Best Mutual Funds for Singapore-Based NRIs

Fund3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)Sub Cat.
DSP World Gold Fund Growth 49.287.6107.749.117.915.9 Global
Franklin India Short Term Income Plan - Retail Plan Growth 192.1192.1192.147.332.5 Short term Bond
IDBI Gold Fund Growth 25.138.159.731.518.618.7 Gold
Aditya Birla Sun Life Gold Fund Growth 2638.860.231.518.118.7 Gold
SBI Gold Fund Growth 25.637.959.731.51819.6 Gold
ICICI Prudential Regular Gold Savings Fund Growth 2638.559.831.41819.5 Gold
HDFC Gold Fund Growth 25.737.959.531.317.918.9 Gold
Axis Gold Fund Growth 25.737.759.331.318.119.2 Gold
Nippon India Gold Savings Fund Growth 25.737.759.731.317.819 Gold
Kotak Gold Fund Growth 25.237.558.93117.718.9 Gold
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Oct 25

Research Highlights & Commentary of 10 Funds showcased

CommentaryDSP World Gold FundFranklin India Short Term Income Plan - Retail PlanIDBI Gold FundAditya Birla Sun Life Gold FundSBI Gold FundICICI Prudential Regular Gold Savings FundHDFC Gold FundAxis Gold FundNippon India Gold Savings FundKotak Gold Fund
Point 1Lower mid AUM (₹1,421 Cr).Bottom quartile AUM (₹13 Cr).Bottom quartile AUM (₹254 Cr).Bottom quartile AUM (₹725 Cr).Highest AUM (₹5,221 Cr).Upper mid AUM (₹2,603 Cr).Top quartile AUM (₹4,915 Cr).Lower mid AUM (₹1,272 Cr).Upper mid AUM (₹3,439 Cr).Upper mid AUM (₹3,506 Cr).
Point 2Established history (18+ yrs).Oldest track record among peers (23 yrs).Established history (13+ yrs).Established history (13+ yrs).Established history (14+ yrs).Established history (14+ yrs).Established history (13+ yrs).Established history (13+ yrs).Established history (14+ yrs).Established history (14+ yrs).
Point 3Top rated.Rating: 2★ (upper mid).Not Rated.Rating: 3★ (top quartile).Rating: 2★ (upper mid).Rating: 1★ (lower mid).Rating: 1★ (lower mid).Rating: 1★ (bottom quartile).Rating: 2★ (upper mid).Rating: 1★ (bottom quartile).
Point 4Risk profile: High.Risk profile: Moderate.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.
Point 55Y return: 17.85% (bottom quartile).1Y return: 192.10% (top quartile).5Y return: 18.60% (top quartile).5Y return: 18.06% (upper mid).5Y return: 18.02% (upper mid).5Y return: 17.95% (lower mid).5Y return: 17.89% (lower mid).5Y return: 18.05% (upper mid).5Y return: 17.80% (bottom quartile).5Y return: 17.72% (bottom quartile).
Point 63Y return: 49.09% (top quartile).1M return: 192.10% (top quartile).3Y return: 31.49% (upper mid).3Y return: 31.47% (upper mid).3Y return: 31.47% (upper mid).3Y return: 31.44% (lower mid).3Y return: 31.34% (lower mid).3Y return: 31.28% (bottom quartile).3Y return: 31.26% (bottom quartile).3Y return: 31.03% (bottom quartile).
Point 71Y return: 107.66% (top quartile).Sharpe: -90.89 (bottom quartile).1Y return: 59.69% (lower mid).1Y return: 60.19% (upper mid).1Y return: 59.73% (upper mid).1Y return: 59.82% (upper mid).1Y return: 59.51% (bottom quartile).1Y return: 59.32% (bottom quartile).1Y return: 59.66% (lower mid).1Y return: 58.86% (bottom quartile).
Point 8Alpha: 3.15 (top quartile).Information ratio: -2.42 (bottom quartile).1M return: 14.43% (upper mid).1M return: 13.14% (lower mid).1M return: 14.54% (upper mid).1M return: 14.63% (upper mid).1M return: 12.88% (bottom quartile).1M return: 13.00% (lower mid).1M return: 12.96% (bottom quartile).1M return: 12.32% (bottom quartile).
Point 9Sharpe: 1.80 (bottom quartile).Yield to maturity (debt): 0.00% (top 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).
Point 10Information ratio: -1.09 (bottom quartile).Modified duration: 0.00 yrs (top quartile).Sharpe: 2.38 (bottom quartile).Sharpe: 2.66 (top quartile).Sharpe: 2.58 (upper mid).Sharpe: 2.55 (upper mid).Sharpe: 2.55 (lower mid).Sharpe: 2.57 (upper mid).Sharpe: 2.52 (lower mid).Sharpe: 2.58 (top quartile).

DSP World Gold Fund

  • Lower mid AUM (₹1,421 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 17.85% (bottom quartile).
  • 3Y return: 49.09% (top quartile).
  • 1Y return: 107.66% (top quartile).
  • Alpha: 3.15 (top quartile).
  • Sharpe: 1.80 (bottom quartile).
  • Information ratio: -1.09 (bottom quartile).

Franklin India Short Term Income Plan - Retail Plan

  • Bottom quartile AUM (₹13 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 192.10% (top quartile).
  • 1M return: 192.10% (top quartile).
  • Sharpe: -90.89 (bottom quartile).
  • Information ratio: -2.42 (bottom quartile).
  • Yield to maturity (debt): 0.00% (top quartile).
  • Modified duration: 0.00 yrs (top quartile).

IDBI Gold Fund

  • Bottom quartile AUM (₹254 Cr).
  • Established history (13+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 18.60% (top quartile).
  • 3Y return: 31.49% (upper mid).
  • 1Y return: 59.69% (lower mid).
  • 1M return: 14.43% (upper mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 2.38 (bottom quartile).

Aditya Birla Sun Life Gold Fund

  • Bottom quartile AUM (₹725 Cr).
  • Established history (13+ yrs).
  • Rating: 3★ (top quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.06% (upper mid).
  • 3Y return: 31.47% (upper mid).
  • 1Y return: 60.19% (upper mid).
  • 1M return: 13.14% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.66 (top quartile).

SBI Gold Fund

  • Highest AUM (₹5,221 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.02% (upper mid).
  • 3Y return: 31.47% (upper mid).
  • 1Y return: 59.73% (upper mid).
  • 1M return: 14.54% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.58 (upper mid).

ICICI Prudential Regular Gold Savings Fund

  • Upper mid AUM (₹2,603 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.95% (lower mid).
  • 3Y return: 31.44% (lower mid).
  • 1Y return: 59.82% (upper mid).
  • 1M return: 14.63% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.55 (upper mid).

HDFC Gold Fund

  • Top quartile AUM (₹4,915 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.89% (lower mid).
  • 3Y return: 31.34% (lower mid).
  • 1Y return: 59.51% (bottom quartile).
  • 1M return: 12.88% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 2.55 (lower mid).

Axis Gold Fund

  • Lower mid AUM (₹1,272 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.05% (upper mid).
  • 3Y return: 31.28% (bottom quartile).
  • 1Y return: 59.32% (bottom quartile).
  • 1M return: 13.00% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 2.57 (upper mid).

Nippon India Gold Savings Fund

  • Upper mid AUM (₹3,439 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.80% (bottom quartile).
  • 3Y return: 31.26% (bottom quartile).
  • 1Y return: 59.66% (lower mid).
  • 1M return: 12.96% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.52 (lower mid).

Kotak Gold Fund

  • Upper mid AUM (₹3,506 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 17.72% (bottom quartile).
  • 3Y return: 31.03% (bottom quartile).
  • 1Y return: 58.86% (bottom quartile).
  • 1M return: 12.32% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.58 (top quartile).

*List of funds is based on past 3 Year Returns in decending order.

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

  • Lower mid AUM (₹1,421 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 17.85% (bottom quartile).
  • 3Y return: 49.09% (top quartile).
  • 1Y return: 107.66% (top quartile).
  • Alpha: 3.15 (top quartile).
  • Sharpe: 1.80 (bottom quartile).
  • Information ratio: -1.09 (bottom quartile).
  • Top sector: Basic Materials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding BGF World Gold I2 (~76.6%).
  • Top-3 holdings concentration ~100.2%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (07 Oct 25) ₹45.6985 ↓ -0.48   (-1.05 %)
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.

DateValue
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

DSP World 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 ₹470,047.
Net Profit of ₹170,047
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 7 Oct 25

DurationReturns
1 Month 17.5%
3 Month 49.2%
6 Month 87.6%
1 Year 107.7%
3 Year 49.1%
5 Year 17.9%
10 Year
15 Year
Since launch 8.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Jay Kothari1 Mar 1312.51 Yr.

Data below for DSP World Gold Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Basic Materials95.55%
Asset Allocation
Asset ClassValue
Cash1.55%
Equity95.62%
Debt0.01%
Other2.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
77%₹1,088 Cr1,545,650
↓ -32,885
VanEck Gold Miners ETF
- | GDX
22%₹318 Cr573,719
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
1%₹18 Cr
Net Receivables/Payables
Net Current Assets | -
0%-₹3 Cr

2. Franklin India Short Term Income Plan - Retail Plan

The objective of the Scheme is to provide investors stable returns by investing in fixed income securities.

Research Highlights for Franklin India Short Term Income Plan - Retail Plan

  • Bottom quartile AUM (₹13 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 192.10% (top quartile).
  • 1M return: 192.10% (top quartile).
  • Sharpe: -90.89 (bottom quartile).
  • Information ratio: -2.42 (bottom quartile).
  • Yield to maturity (debt): 0.00% (top quartile).
  • Modified duration: 0.00 yrs (top quartile).
  • Average maturity: 0.00 yrs (top quartile).
  • Exit load: 0-1 Years (0.5%),1 Years and above(NIL).

Below is the key information for 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.

DateValue
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

Franklin India Short Term Income Plan - Retail Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹287,982.
Net Profit of ₹107,982
Invest Now

Purchase not allowed

Returns for Franklin India Short Term Income Plan - Retail Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Oct 25

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Franklin India Short Term Income Plan - Retail Plan
NameSinceTenure

Data below for Franklin India Short Term Income Plan - Retail Plan as on 31 Mar 25

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. 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 (₹254 Cr).
  • Established history (13+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 18.60% (top quartile).
  • 3Y return: 31.49% (upper mid).
  • 1Y return: 59.69% (lower mid).
  • 1M return: 14.43% (upper mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 2.38 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding LIC MF Gold ETF (~98.9%).
  • Top-3 holdings concentration ~100.9%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund
Growth
Launch Date 14 Aug 12
NAV (08 Oct 25) ₹31.9583 ↑ 0.72   (2.29 %)
Net Assets (Cr) ₹254 on 31 Aug 25
Category Gold - Gold
AMC IDBI Asset Management Limited
Rating Not Rated
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.

DateValue
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

IDBI 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 ₹481,656.
Net Profit of ₹181,656
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 7 Oct 25

DurationReturns
1 Month 14.4%
3 Month 25.1%
6 Month 38.1%
1 Year 59.7%
3 Year 31.5%
5 Year 18.6%
10 Year
15 Year
Since launch 9.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sumit Bhatnagar1 Jun 241.25 Yr.

Data below for IDBI Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash2.08%
Other97.92%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC MF Gold ETF
- | -
99%₹251 Cr270,044
↑ 31,450
Treps
CBLO/Reverse Repo | -
2%₹4 Cr
Net Receivables / (Payables)
CBLO | -
0%-₹1 Cr

4. 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 (₹725 Cr).
  • Established history (13+ yrs).
  • Rating: 3★ (top quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.06% (upper mid).
  • 3Y return: 31.47% (upper mid).
  • 1Y return: 60.19% (upper mid).
  • 1M return: 13.14% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.66 (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 ~100.4%.

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 (08 Oct 25) ₹35.7393 ↑ 0.77   (2.21 %)
Net Assets (Cr) ₹725 on 31 Aug 25
Category Gold - Gold
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 0.51
Sharpe Ratio 2.66
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
30 Sep 20₹10,000
30 Sep 21₹8,974
30 Sep 22₹9,669
30 Sep 23₹11,048
30 Sep 24₹14,179
30 Sep 25₹21,356

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 ₹481,656.
Net Profit of ₹181,656
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 7 Oct 25

DurationReturns
1 Month 13.1%
3 Month 26%
6 Month 38.8%
1 Year 60.2%
3 Year 31.5%
5 Year 18.1%
10 Year
15 Year
Since launch 9.9%
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 Aug 25

Asset Allocation
Asset ClassValue
Cash1.51%
Other98.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Aditya BSL Gold ETF
- | -
100%₹724 Cr79,896,220
↑ 3,972,596
Clearing Corporation Of India Limited
CBLO/Reverse Repo | -
0%₹2 Cr
Net Receivables / (Payables)
Net Current Assets | -
0%-₹1 Cr

5. 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 (₹5,221 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.02% (upper mid).
  • 3Y return: 31.47% (upper mid).
  • 1Y return: 59.73% (upper mid).
  • 1M return: 14.54% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.58 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding SBI Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.9%.

Below is the key information for SBI Gold Fund

SBI Gold Fund
Growth
Launch Date 12 Sep 11
NAV (08 Oct 25) ₹35.8091 ↑ 0.72   (2.05 %)
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.

DateValue
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

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 ₹481,656.
Net Profit of ₹181,656
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 7 Oct 25

DurationReturns
1 Month 14.5%
3 Month 25.6%
6 Month 37.9%
1 Year 59.7%
3 Year 31.5%
5 Year 18%
10 Year
15 Year
Since launch 9.5%
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 Aug 25

Asset Allocation
Asset ClassValue
Cash1.46%
Other98.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Gold ETF
- | -
100%₹5,221 Cr593,717,240
↑ 32,905,406
Treps
CBLO/Reverse Repo | -
0%₹23 Cr
Net Receivable / Payable
CBLO | -
0%-₹22 Cr

6. 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 (₹2,603 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.95% (lower mid).
  • 3Y return: 31.44% (lower mid).
  • 1Y return: 59.82% (upper mid).
  • 1M return: 14.63% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.55 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding ICICI Pru Gold ETF (~99.7%).
  • Top-3 holdings concentration ~100.9%.

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 (08 Oct 25) ₹37.9633 ↑ 0.76   (2.05 %)
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.

DateValue
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

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 ₹470,047.
Net Profit of ₹170,047
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 7 Oct 25

DurationReturns
1 Month 14.6%
3 Month 26%
6 Month 38.5%
1 Year 59.8%
3 Year 31.4%
5 Year 18%
10 Year
15 Year
Since launch 10%
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 Aug 25

Asset Allocation
Asset ClassValue
Cash1.62%
Other98.38%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Pru Gold ETF
- | -
100%₹2,595 Cr294,373,092
↑ 13,971,916
Treps
CBLO/Reverse Repo | -
1%₹19 Cr
Net Current Assets
Net Current Assets | -
0%-₹12 Cr

7. 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 (₹4,915 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.89% (lower mid).
  • 3Y return: 31.34% (lower mid).
  • 1Y return: 59.51% (bottom quartile).
  • 1M return: 12.88% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 2.55 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding HDFC Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.6%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund
Growth
Launch Date 24 Oct 11
NAV (08 Oct 25) ₹36.5994 ↑ 0.69   (1.92 %)
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.

DateValue
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

HDFC 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 ₹470,047.
Net Profit of ₹170,047
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 7 Oct 25

DurationReturns
1 Month 12.9%
3 Month 25.7%
6 Month 37.9%
1 Year 59.5%
3 Year 31.3%
5 Year 17.9%
10 Year
15 Year
Since launch 9.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Arun Agarwal15 Feb 232.54 Yr.
Nandita Menezes29 Mar 250.43 Yr.

Data below for HDFC Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash1.62%
Other98.38%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Gold ETF
- | -
100%₹4,914 Cr558,222,024
↑ 22,311,579
Treps - Tri-Party Repo
CBLO/Reverse Repo | -
0%₹14 Cr
Net Current Assets
Net Current Assets | -
0%-₹14 Cr

8. 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 (₹1,272 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.05% (upper mid).
  • 3Y return: 31.28% (bottom quartile).
  • 1Y return: 59.32% (bottom quartile).
  • 1M return: 13.00% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 2.57 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Axis Gold ETF (~99.5%).
  • 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 (08 Oct 25) ₹35.691 ↑ 0.70   (1.99 %)
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.

DateValue
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

Axis 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 ₹481,656.
Net Profit of ₹181,656
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 7 Oct 25

DurationReturns
1 Month 13%
3 Month 25.7%
6 Month 37.7%
1 Year 59.3%
3 Year 31.3%
5 Year 18.1%
10 Year
15 Year
Since launch 9.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Aditya Pagaria9 Nov 213.81 Yr.
Pratik Tibrewal1 Feb 250.58 Yr.

Data below for Axis Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash2.14%
Other97.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Axis Gold ETF
- | -
99%₹1,265 Cr147,128,710
↑ 5,400,000
Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -
1%₹8 Cr
Net Receivables / (Payables)
CBLO | -
0%-₹1 Cr

9. 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 (₹3,439 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.80% (bottom quartile).
  • 3Y return: 31.26% (bottom quartile).
  • 1Y return: 59.66% (lower mid).
  • 1M return: 12.96% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.52 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Nippon India ETF Gold BeES (~100.0%).
  • Top-3 holdings concentration ~100.4%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund
Growth
Launch Date 7 Mar 11
NAV (08 Oct 25) ₹46.9059 ↑ 0.93   (2.03 %)
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.

DateValue
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

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 ₹470,047.
Net Profit of ₹170,047
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 7 Oct 25

DurationReturns
1 Month 13%
3 Month 25.7%
6 Month 37.7%
1 Year 59.7%
3 Year 31.3%
5 Year 17.8%
10 Year
15 Year
Since launch 11.2%
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 Aug 25

Asset Allocation
Asset ClassValue
Cash1.37%
Other98.63%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Nippon India ETF Gold BeES
- | -
100%₹3,438 Cr402,870,511
↑ 7,653,772
Triparty Repo
CBLO/Reverse Repo | -
0%₹8 Cr
Net Current Assets
Net Current Assets | -
0%-₹7 Cr
Cash Margin - Ccil
CBLO | -
0%₹0 Cr
Cash
Net Current Assets | -
0%₹0 Cr00

10. 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 (₹3,506 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 17.72% (bottom quartile).
  • 3Y return: 31.03% (bottom quartile).
  • 1Y return: 58.86% (bottom quartile).
  • 1M return: 12.32% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.58 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Kotak Gold ETF (~99.8%).
  • Top-3 holdings concentration ~100.3%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund
Growth
Launch Date 25 Mar 11
NAV (08 Oct 25) ₹46.9257 ↑ 0.89   (1.93 %)
Net Assets (Cr) ₹3,506 on 31 Aug 25
Category Gold - Gold
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 0.5
Sharpe Ratio 2.58
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹9,088
30 Sep 22₹9,774
30 Sep 23₹11,029
30 Sep 24₹14,222
30 Sep 25₹21,257

Kotak 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 ₹470,047.
Net Profit of ₹170,047
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 7 Oct 25

DurationReturns
1 Month 12.3%
3 Month 25.2%
6 Month 37.5%
1 Year 58.9%
3 Year 31%
5 Year 17.7%
10 Year
15 Year
Since launch 11.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18.9%
2023 13.9%
2022 11.7%
2021 -4.7%
2020 26.6%
2019 24.1%
2018 7.3%
2017 2.5%
2016 10.2%
2015 -8.4%
Fund Manager information for Kotak Gold Fund
NameSinceTenure
Abhishek Bisen25 Mar 1114.45 Yr.
Jeetu Sonar1 Oct 222.92 Yr.

Data below for Kotak Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash1.94%
Other98.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kotak Gold ETF
- | -
100%₹3,497 Cr406,772,783
↑ 8,273,656
Triparty Repo
CBLO/Reverse Repo | -
0%₹13 Cr
Net Current Assets/(Liabilities)
Net Current Assets | -
0%-₹4 Cr

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Disclaimer:
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