ಯುಎಇ-ಆಧಾರಿತ ಎನ್‌ಆರ್‌ಐಗಳು ಭಾರತದಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೇಗೆ ಹೂಡಿಕೆ ಮಾಡಬಹುದು?

Updated on October 28, 2025 , 11603 views

ಯುನೈಟೆಡ್ ಅರಬ್ ಎಮಿರೇಟ್ಸ್ (ಯುಎಇ) ನಲ್ಲಿ ವಾಸಿಸುವ ಅನಿವಾಸಿ ಭಾರತೀಯರು ಮಾಡಬಹುದುಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ಭಾರತದಲ್ಲಿ ವಾಪಸಾತಿ ಮತ್ತು ಸ್ವದೇಶಕ್ಕೆ ಹೋಗದವರ ಮೇಲೆಆಧಾರ.ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಲಾಭಗಳನ್ನು ಗಳಿಸಲು ಮತ್ತು ರಾಷ್ಟ್ರದ ಬೆಳವಣಿಗೆಯಲ್ಲಿ ಭಾಗವಹಿಸಲು ಅನಿವಾಸಿ ಭಾರತೀಯರಿಗೆ (NRIs) ಉತ್ತಮ ಹೂಡಿಕೆ ಆಯ್ಕೆಯಾಗಿದೆ.

ಯುಎಇಯಲ್ಲಿ ವಾಸಿಸುವ ಎನ್‌ಆರ್‌ಐಗಳು ತಮ್ಮ ಹೂಡಿಕೆಯ ಉದ್ದೇಶಗಳಿಗೆ ಅನುಗುಣವಾಗಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಸ್ಕೀಮ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಅಲ್ಲದೆ, ಹೂಡಿಕೆ ಬಂಡವಾಳವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಮತ್ತು ಕಾಲಾನಂತರದಲ್ಲಿ ಅತ್ಯುತ್ತಮವಾದ ಆದಾಯವನ್ನು ಗಳಿಸಲು ಬಯಸುವವರು, ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಪರಿಗಣಿಸಲು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ.

'The NRIs' Investment Inflows into India - A Pulse Study' ಎಂಬ ಶೀರ್ಷಿಕೆಯ ಸಮೀಕ್ಷೆಯ ಪ್ರಕಾರ, ಮುಂಬರುವ ಸಾರ್ವತ್ರಿಕ ಚುನಾವಣೆಗಳ ನಂತರ ಯುಎಇ ಮೂಲದ ಎನ್‌ಆರ್‌ಐಗಳು ಭಾರತಕ್ಕೆ ತಮ್ಮ ಹೂಡಿಕೆಯ ಒಳಹರಿವು ಹೆಚ್ಚಾಗುವ ನಿರೀಕ್ಷೆಯಿದೆ ಎಂದು ಹೇಳಿದೆ. ಗಮನಾರ್ಹವಾದ ಆರ್ಥಿಕ ಪ್ರಭಾವದೊಂದಿಗೆ, ಯುನೈಟೆಡ್ ಅರಬ್ ಎಮಿರೇಟ್‌ನ ಗಣನೀಯ ಪ್ರಮಾಣದ ಭಾರತೀಯ ಸಮುದಾಯವು ಹೆಚ್ಚಿನ ಹೂಡಿಕೆಗಳನ್ನು ಮಾಡುವುದರಿಂದ ಭಾರತದಲ್ಲಿ ಒಳಗಿನ ಹೂಡಿಕೆಗಳಿಗೆ ನೈಸರ್ಗಿಕ ಮೂಲವಾಗಿ ಕಾಣಬಹುದು. ಹೂಡಿಕೆಗೆ ಮುಖ್ಯ ಕಾರಣವೆಂದರೆ ಯೋಜನೆ ಮಾಡುವುದುನಿವೃತ್ತಿ ಅವರ ತಾಯ್ನಾಡಿನಲ್ಲಿ.

ಅನಿವಾಸಿ ಭಾರತೀಯ (ಎನ್‌ಆರ್‌ಐ) ಹೂಡಿಕೆಗಳು ವ್ಯಾಪಕವಾಗಿ ಹರಡಿವೆ ಎಂದು ಸಮೀಕ್ಷೆ ಹೇಳುತ್ತದೆಶ್ರೇಣಿ ಆಸ್ತಿ ವರ್ಗಗಳ. ಅವುಗಳಲ್ಲಿ ಕೆಲವು ದೀರ್ಘಕಾಲೀನವಾಗಿವೆಹೂಡಿಕೆ ಯೋಜನೆ (30%), ಔಪಚಾರಿಕವಾಗಿ ರಚಿತವಾದ ನಿವೃತ್ತಿ ಯೋಜನೆಗಳು (26%) ಮತ್ತು ಸರ್ಕಾರಿ ಬೆಂಬಲಿತ ಮೂಲಸೌಕರ್ಯ ನಿಧಿಗಳು (15%), ಇತ್ಯಾದಿ.

ಆದಾಗ್ಯೂ, ಭಾರತದಲ್ಲಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ತಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಪ್ರಾರಂಭಿಸಲು ಯುಎಇ-ಆಧಾರಿತ ಎನ್‌ಆರ್‌ಐ ಅನುಸರಿಸಬೇಕಾದ ಕೆಲವು ಪ್ರಮುಖ ಮಾರ್ಗಸೂಚಿಗಳು ಮತ್ತು ನಿಯಮಗಳಿವೆ.

ಯುಎಇಯಲ್ಲಿ ವಾಸಿಸುವ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ

ಭಾರತದಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಒಬ್ಬ ಭಾರತೀಯನೊಂದಿಗೆ ಈ ಕೆಳಗಿನ ಯಾವುದೇ ಖಾತೆಗಳನ್ನು ತೆರೆಯಬೇಕುಬ್ಯಾಂಕ್:

NRE ಖಾತೆ

ಇದು ಅನಿವಾಸಿ ಬಾಹ್ಯ (NRE) ಖಾತೆಯಾಗಿದ್ದು ಅದು ಉಳಿತಾಯ, ಪ್ರಸ್ತುತ, ಸ್ಥಿರ ಅಥವಾಮರುಕಳಿಸುವ ಠೇವಣಿ. ಈ ಖಾತೆಯಲ್ಲಿ ನೀವು ವಿದೇಶಿ ಕರೆನ್ಸಿಯನ್ನು ಠೇವಣಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ಭಾರತೀಯ ಕರೆನ್ಸಿಯನ್ನು ಠೇವಣಿ ಮಾಡಲು, ನೀವು NRO ಖಾತೆಯನ್ನು ತೆರೆಯಬೇಕು. NRE ಖಾತೆಯಲ್ಲಿನ ವಹಿವಾಟಿನ ಮೊತ್ತಕ್ಕೆ ಯಾವುದೇ ಹೆಚ್ಚಿನ ಮಿತಿಯಿಲ್ಲ.

NRO ಖಾತೆ

NRO ಅಥವಾ ಅನಿವಾಸಿ ಸಾಮಾನ್ಯ ಖಾತೆಯು ಉಳಿತಾಯ ಅಥವಾ ಚಾಲ್ತಿ ಖಾತೆಯ ರೂಪದಲ್ಲಿದೆ, ಇದು NRI ಗಳು ತಮ್ಮ ನಿರ್ವಹಣೆಗಾಗಿ ಉದ್ದೇಶಿಸಲಾಗಿದೆಆದಾಯ ಭಾರತದಲ್ಲಿ ಗಳಿಸಿದರು. NRO ಖಾತೆಯಲ್ಲಿ, ವಿದೇಶಿ ಕರೆನ್ಸಿ ಠೇವಣಿ ಮಾಡಿದ ನಂತರ ಭಾರತೀಯ ರೂಪಾಯಿಗೆ ಪರಿವರ್ತನೆಯಾಗುತ್ತದೆ. NRO ಖಾತೆಯನ್ನು ಮತ್ತೊಬ್ಬ NRI ಹಾಗೂ ನಿವಾಸಿ ಭಾರತೀಯ (ಹತ್ತಿರದ ಸಂಬಂಧಿಗಳು) ಜೊತೆ ಜಂಟಿಯಾಗಿ ನಡೆಸಬಹುದು.

ಒಮ್ಮೆ ನೀವು ಈ ಯಾವುದೇ ಖಾತೆಗಳನ್ನು ತೆರೆದರೆ, KYC ಮಾನದಂಡಗಳ ಅಡಿಯಲ್ಲಿ ನಿಮ್ಮ KYC (ನಿಮ್ಮ ಗ್ರಾಹಕರನ್ನು ತಿಳಿದುಕೊಳ್ಳಿ) ಅನ್ನು ನೀವು ಯಶಸ್ವಿಯಾಗಿ ಪೂರ್ಣಗೊಳಿಸಬೇಕು.SEBI (ಸೆಕ್ಯುರಿಟೀಸ್ ಎಕ್ಸ್ಚೇಂಜ್ ಬೋರ್ಡ್ ಆಫ್ ಇಂಡಿಯಾ). ಸೆಬಿ-ನೋಂದಾಯಿತ ಯಾವುದೇ ಮಧ್ಯವರ್ತಿಗಳೊಂದಿಗೆ ಒಬ್ಬರು ತಮ್ಮ KYC ಅನ್ನು ಪೂರ್ಣಗೊಳಿಸಬಹುದು.

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಯುಎಇ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ ಕೆವೈಸಿ ಕಾರ್ಯವಿಧಾನ

ನಿಮ್ಮ KYC ಕಾರ್ಯವಿಧಾನವನ್ನು ಯಶಸ್ವಿಯಾಗಿ ಪೂರ್ಣಗೊಳಿಸಲು, UAE NRIಗಳು ಕೆಲವು ಪ್ರಮುಖ ಹಂತಗಳನ್ನು ಪೂರ್ಣಗೊಳಿಸಬೇಕು ಮತ್ತು ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು ಒದಗಿಸಬೇಕು:

ಎ. KYC ಫಾರ್ಮ್

ಎನ್‌ಆರ್‌ಐ ಸಲ್ಲಿಸುವ ಅಗತ್ಯವಿದೆKYC ಫಾರ್ಮ್ SEBI ನೋಂದಾಯಿತ ಮಧ್ಯಂತರಕ್ಕೆ ತುಂಬಿದ ಎಲ್ಲಾ ಅಗತ್ಯ ವಿವರಗಳೊಂದಿಗೆ. ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು ಕೊರಿಯರ್/ಪೋಸ್ಟ್ ಮೂಲಕ ಮಧ್ಯಂತರಕ್ಕೆ ಕಳುಹಿಸಬಹುದು.

ಬಿ. ದಾಖಲೆಗಳು

ಸಲ್ಲಿಸಬೇಕಾದ ಅಗತ್ಯ ದಾಖಲೆಗಳು ಈ ಕೆಳಗಿನಂತಿವೆ:

ಸಾಗರೋತ್ತರ ವಿಳಾಸ ಪುರಾವೆ
ಭಾರತೀಯ ನಿವಾಸಿ ವಿಳಾಸ ಪುರಾವೆ
ಇತ್ತೀಚಿನ ಛಾಯಾಚಿತ್ರ
ಪಾಸ್ಪೋರ್ಟ್ ನಕಲು

ಮರ್ಚೆಂಟ್ ನೇವಿಯಲ್ಲಿರುವ NRIಗಳ ಸಂದರ್ಭದಲ್ಲಿ, ನೌಕಾಪಡೆಯ ಘೋಷಣೆ ಅಥವಾ ನಿರಂತರ ಡಿಸ್ಚಾರ್ಜ್ ಪ್ರಮಾಣಪತ್ರದ ಪ್ರಮಾಣೀಕೃತ ಪ್ರತಿಯನ್ನು ಸಲ್ಲಿಸಬೇಕು.

ವಿರುದ್ಧ ಪ್ರಮಾಣಪತ್ರ

NRI ಗಳು ಅಥವಾ PIO ಗಳು (ಭಾರತ ಮೂಲದ ವ್ಯಕ್ತಿ) ಮೇಲಿನ ದಾಖಲೆಗಳನ್ನು ಭಾರತದಲ್ಲಿ ನೋಂದಾಯಿಸಲಾದ ನಿಗದಿತ ವಾಣಿಜ್ಯ ಬ್ಯಾಂಕ್‌ಗಳ ಸಾಗರೋತ್ತರ ಶಾಖೆಗಳ ಅಧಿಕೃತ ಅಧಿಕಾರಿಗಳು, ನ್ಯಾಯಾಧೀಶರು, ನ್ಯಾಯಾಲಯದ ಮ್ಯಾಜಿಸ್ಟ್ರೇಟ್, ಸಾರ್ವಜನಿಕ ನೋಟರಿಗಳು ಅಥವಾ ದೇಶದ ಭಾರತೀಯ ರಾಯಭಾರಿ/ದೂತಾವಾಸ ಜನರಲ್ ಮೂಲಕ ದೃಢೀಕರಿಸಬಹುದು. ನೆಲೆಗೊಂಡಿವೆ.

ಡಿ. ವೈಯಕ್ತಿಕ ಪರಿಶೀಲನೆಯಲ್ಲಿ (IPV)

SEBI ನಿಯಮಗಳ ಪ್ರಕಾರ, KYC ಪ್ರಕ್ರಿಯೆಗೆ IPV ಕಡ್ಡಾಯವಾಗಿದೆ. ಮಧ್ಯವರ್ತಿಯು NRIಗಳು/PIOಗಳ IPV ಅನ್ನು ನಡೆಸಬೇಕು.

ಸಲ್ಲಿಸುವಾಗ ಮೇಲಿನ ಎಲ್ಲಾ ದಾಖಲೆಗಳು/ಪುರಾವೆಗಳು ಇಂಗ್ಲಿಷ್ ಭಾಷೆಯಲ್ಲಿರಬೇಕು ಎಂಬುದನ್ನು ದಯವಿಟ್ಟು ಗಮನಿಸಿ.

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ಅನಿವಾಸಿ ಭಾರತೀಯ (NRI) ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆರಿಗೆ

ಬಂಡವಾಳ ಹಣಕಾಸು ವರ್ಷ 2017-18 (ಮೌಲ್ಯಮಾಪನ ವರ್ಷ 2018-19) ಗಾಗಿ ಎನ್‌ಆರ್‌ಐ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳ ಮೇಲಿನ ಲಾಭದ ತೆರಿಗೆ ದರಗಳು ಕೆಳಕಂಡಂತಿವೆ:

ಎನ್ಆರ್ಐಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಮೇಲಿನ ತೆರಿಗೆ-ಬಂಡವಾಳದಲ್ಲಿ ಲಾಭ ತೆರಿಗೆ ದರಗಳು- FY 2017/2018 (AY- 2018-19)

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯ ವಿಧಗಳು	ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು (STCG)	ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು (LTCG)
ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು- STCG- ಯುನಿಟ್‌ಗಳು ಒಂದು ವರ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ಅಥವಾ ಸಮನಾಗಿರುತ್ತದೆ, LTCG- ಯುನಿಟ್‌ಗಳು ಒಂದು ವರ್ಷಕ್ಕಿಂತ ಹೆಚ್ಚು	15%	ಶೂನ್ಯ
ನಾನ್-ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು- STCG- 3 ವರ್ಷ ಅಥವಾ ಅದಕ್ಕಿಂತ ಕಡಿಮೆ ಅವಧಿಯ ಯೂನಿಟ್‌ಗಳು, LTCG- ಯುನಿಟ್‌ಗಳು 3 ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚು	ವ್ಯಕ್ತಿಯ ಪ್ರಕಾರಆದಾಯ ತೆರಿಗೆ ಬ್ರಾಕೆಟ್	ಪಟ್ಟಿ ಮಾಡಲಾದ ನಿಧಿಗಳಲ್ಲಿ-20% (ಸೂಚ್ಯಂಕದೊಂದಿಗೆ), ಪಟ್ಟಿಮಾಡದ ನಿಧಿಗಳು- 10% (ಸೂಚ್ಯಂಕವಿಲ್ಲದೆ)

ಲಾಭಾಂಶಗಳ ಮೇಲೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆರಿಗೆ

ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳ ಮೇಲಿನ ಲಾಭಾಂಶಗಳು: ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಿಗಾಗಿ ಯೂನಿಟ್ ಹೋಲ್ಡರ್‌ನ ಕೈಯಲ್ಲಿ ಪಡೆದ ಲಾಭಾಂಶವು ಸಂಪೂರ್ಣವಾಗಿ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿರುತ್ತದೆ. ಡಿವಿಡೆಂಡ್ ಕೂಡ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿದೆAMC.
ಸಾಲ ನಿಧಿಗಳ ಮೇಲಿನ ಲಾಭಾಂಶಗಳು: ಈ ಡಿವಿಡೆಂಡ್ ಆದಾಯವನ್ನು ತನ್ನ ಯೂನಿಟ್-ಹೋಲ್ಡರ್‌ಗಳಿಗೆ ವಿತರಿಸುವ ಮೊದಲು AMC 28.84% ನಷ್ಟು ಲಾಭಾಂಶ ವಿತರಣೆ ತೆರಿಗೆಯನ್ನು (DDT) ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಲಾಭಾಂಶದ ಆದಾಯವನ್ನು ಎಸಾಲ ನಿಧಿ ಯುನಿಟ್ ಹೋಲ್ಡರ್ ಕೂಡ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿರುತ್ತದೆ.

AY 2018-19 ಗಾಗಿ NRIಗಳಿಂದ MF ರಿಡಂಪ್ಶನ್‌ಗಳ ಮೇಲೆ ಅನ್ವಯವಾಗುವ TDS ದರವನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ.

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಮೇಲಿನ NRI ತೆರಿಗೆ- ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್ ತೆರಿಗೆ ದರಗಳು- FY 2017/2018 (AY- 2018-19)

NRIಗಳು ಮತ್ತು TDS ದರದಿಂದ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ರಿಡೆಂಪ್ಶನ್‌ಗಳು	STCG ಮತ್ತು TDS ದರ	LTCG ಮತ್ತು TDS ದರ
MF ಯೋಜನೆಯ ಪ್ರಕಾರ
ಈಕ್ವಿಟಿ ಓರಿಯೆಂಟೆಡ್ ಫಂಡ್‌ಗಳು	15%	ಶೂನ್ಯ
ಸಾಲ ನಿಧಿಗಳು	30%	ಪಟ್ಟಿ ಮಾಡಲಾದ ನಿಧಿಗಳಲ್ಲಿ- 20% (ಸೂಚ್ಯಂಕದೊಂದಿಗೆ), ಪಟ್ಟಿಮಾಡದ ನಿಧಿಗಳು- 10% (ಸೂಚ್ಯಂಕವಿಲ್ಲದೆ)

ಯುಎಇ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ ಉತ್ತಮ ಪ್ರದರ್ಶನ ನೀಡುವ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

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	37.6	52.4	82.1	46.3	17	15.9	Global
IDBI Gold Fund Growth	20.8	24.4	46.7	31.8	17.7	18.7	Gold
HDFC Gold Fund Growth	20.5	25.5	48.2	31.6	17.2	18.9	Gold
ICICI Prudential Regular Gold Savings Fund Growth	20	25.5	47.9	31.6	17.3	19.5	Gold
SBI Gold Fund Growth	20.5	25.6	48.3	31.6	17.3	19.6	Gold
Nippon India Gold Savings Fund Growth	20.9	25.8	48.2	31.6	17.2	19	Gold
Axis Gold Fund Growth	20.3	25.4	47.5	31.4	17.3	19.2	Gold
Kotak Gold Fund Growth	20.8	26	48.3	31.3	17.1	18.9	Gold
Aditya Birla Sun Life Gold Fund Growth	19.3	24.4	46.7	31.1	17.1	18.7	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	IDBI Gold Fund	HDFC Gold Fund	ICICI Prudential Regular Gold Savings Fund	SBI Gold Fund	Nippon India Gold Savings Fund	Axis Gold Fund	Kotak Gold Fund	Aditya Birla Sun Life Gold Fund
Point 1	Bottom quartile AUM (₹13 Cr).	Lower mid AUM (₹1,421 Cr).	Bottom quartile AUM (₹254 Cr).	Top quartile AUM (₹4,915 Cr).	Upper mid AUM (₹2,603 Cr).	Highest AUM (₹5,221 Cr).	Upper mid AUM (₹3,439 Cr).	Lower mid AUM (₹1,272 Cr).	Upper mid AUM (₹3,506 Cr).	Bottom quartile AUM (₹725 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (18+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (13+ yrs).
Point 3	Rating: 2★ (upper mid).	Top rated.	Not Rated.	Rating: 1★ (lower mid).	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 3★ (top 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: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	1Y return: 192.10% (top quartile).	5Y return: 16.96% (bottom quartile).	5Y return: 17.73% (top quartile).	5Y return: 17.21% (lower mid).	5Y return: 17.33% (upper mid).	5Y return: 17.30% (upper mid).	5Y return: 17.16% (lower mid).	5Y return: 17.34% (upper mid).	5Y return: 17.05% (bottom quartile).	5Y return: 17.08% (bottom quartile).
Point 6	1M return: 192.10% (top quartile).	3Y return: 46.34% (top quartile).	3Y return: 31.83% (upper mid).	3Y return: 31.63% (upper mid).	3Y return: 31.60% (upper mid).	3Y return: 31.59% (lower mid).	3Y return: 31.59% (lower mid).	3Y return: 31.36% (bottom quartile).	3Y return: 31.26% (bottom quartile).	3Y return: 31.12% (bottom quartile).
Point 7	Sharpe: -90.89 (bottom quartile).	1Y return: 82.08% (top quartile).	1Y return: 46.69% (bottom quartile).	1Y return: 48.23% (upper mid).	1Y return: 47.93% (lower mid).	1Y return: 48.25% (upper mid).	1Y return: 48.18% (lower mid).	1Y return: 47.48% (bottom quartile).	1Y return: 48.31% (upper mid).	1Y return: 46.72% (bottom quartile).
Point 8	Information ratio: -2.42 (bottom quartile).	Alpha: 3.15 (top quartile).	1M return: 3.86% (upper mid).	1M return: 3.48% (upper mid).	1M return: 3.11% (bottom quartile).	1M return: 3.39% (lower mid).	1M return: 3.95% (upper mid).	1M return: 3.45% (lower mid).	1M return: 4.38% (top quartile).	1M return: 2.56% (bottom quartile).
Point 9	Yield to maturity (debt): 0.00% (top quartile).	Sharpe: 1.80 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Modified duration: 0.00 yrs (top quartile).	Information ratio: -1.09 (bottom quartile).	Sharpe: 2.38 (bottom quartile).	Sharpe: 2.55 (lower mid).	Sharpe: 2.55 (upper mid).	Sharpe: 2.58 (upper mid).	Sharpe: 2.52 (lower mid).	Sharpe: 2.57 (upper mid).	Sharpe: 2.58 (top quartile).	Sharpe: 2.66 (top 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).

DSP World Gold Fund

Lower mid AUM (₹1,421 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 16.96% (bottom quartile).
3Y return: 46.34% (top quartile).
1Y return: 82.08% (top quartile).
Alpha: 3.15 (top quartile).
Sharpe: 1.80 (bottom quartile).
Information ratio: -1.09 (bottom quartile).

IDBI Gold Fund

Bottom quartile AUM (₹254 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.73% (top quartile).
3Y return: 31.83% (upper mid).
1Y return: 46.69% (bottom quartile).
1M return: 3.86% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 2.38 (bottom quartile).

HDFC Gold Fund

Top quartile AUM (₹4,915 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.21% (lower mid).
3Y return: 31.63% (upper mid).
1Y return: 48.23% (upper mid).
1M return: 3.48% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.55 (lower 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: 17.33% (upper mid).
3Y return: 31.60% (upper mid).
1Y return: 47.93% (lower mid).
1M return: 3.11% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.55 (upper mid).

SBI Gold Fund

Highest AUM (₹5,221 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.30% (upper mid).
3Y return: 31.59% (lower mid).
1Y return: 48.25% (upper mid).
1M return: 3.39% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.58 (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: 17.16% (lower mid).
3Y return: 31.59% (lower mid).
1Y return: 48.18% (lower mid).
1M return: 3.95% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.52 (lower mid).

Axis Gold Fund

Lower mid AUM (₹1,272 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.34% (upper mid).
3Y return: 31.36% (bottom quartile).
1Y return: 47.48% (bottom quartile).
1M return: 3.45% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.57 (upper mid).

Kotak Gold Fund

Upper mid AUM (₹3,506 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.05% (bottom quartile).
3Y return: 31.26% (bottom quartile).
1Y return: 48.31% (upper mid).
1M return: 4.38% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.58 (top 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: 17.08% (bottom quartile).
3Y return: 31.12% (bottom quartile).
1Y return: 46.72% (bottom quartile).
1M return: 2.56% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.66 (top quartile).

*ನಿಧಿಗಳ ಪಟ್ಟಿ ಅವರೋಹಣ ಕ್ರಮದಲ್ಲಿ ಕಳೆದ 3 ವರ್ಷಗಳ ಆದಾಯವನ್ನು ಆಧರಿಸಿದೆ.

1. 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.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹11,915
31 Oct 22	₹12,911
31 Oct 23	₹13,998
31 Oct 24	₹13,998

Franklin India Short Term Income Plan - Retail Plan SIP 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 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

"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: 16.96% (bottom quartile).
3Y return: 46.34% (top quartile).
1Y return: 82.08% (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 (~75.6%).
Top-3 holdings concentration ~99.8%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (30 Oct 25)	₹42.627 ↑ 0.56 (1.32 %)
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
31 Oct 20	₹10,000
31 Oct 21	₹9,021
31 Oct 22	₹6,936
31 Oct 23	₹8,194
31 Oct 24	₹11,716

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 2 May 25

Duration	Returns
1 Month	-4.6%
3 Month	37.6%
6 Month	52.4%
1 Year	82.1%
3 Year	46.3%
5 Year	17%
10 Year
15 Year
Since launch	8.3%

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 - \| GDX	23%	₹389 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹18 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹3 Cr

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: 17.73% (top quartile).
3Y return: 31.83% (upper mid).
1Y return: 46.69% (bottom quartile).
1M return: 3.86% (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 (~99.1%).
Top-3 holdings concentration ~102.1%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund Growth
Launch Date	14 Aug 12
NAV (31 Oct 25)	₹31.2136 ↑ 0.01 (0.03 %)
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.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹9,443
31 Oct 22	₹9,898
31 Oct 23	₹11,921
31 Oct 24	₹15,275

IDBI Gold Fund SIP Returns

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

Returns for 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 2 May 25

Duration	Returns
1 Month	3.9%
3 Month	20.8%
6 Month	24.4%
1 Year	46.7%
3 Year	31.8%
5 Year	17.7%
10 Year
15 Year
Since launch	9%

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

4. 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 (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.21% (lower mid).
3Y return: 31.63% (upper mid).
1Y return: 48.23% (upper mid).
1M return: 3.48% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.55 (lower mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding HDFC Gold ETF (~100.4%).
Top-3 holdings concentration ~101.5%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund Growth
Launch Date	24 Oct 11
NAV (31 Oct 25)	₹36.016 ↑ 0.18 (0.50 %)
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
31 Oct 20	₹10,000
31 Oct 21	₹9,330
31 Oct 22	₹9,704
31 Oct 23	₹11,649
31 Oct 24	₹14,906

HDFC Gold Fund SIP Returns

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

Returns for 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 2 May 25

Duration	Returns
1 Month	3.5%
3 Month	20.5%
6 Month	25.5%
1 Year	48.2%
3 Year	31.6%
5 Year	17.2%
10 Year
15 Year
Since launch	9.5%

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
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

5. ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF). However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential Regular Gold Savings Fund

Upper mid AUM (₹2,603 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.33% (upper mid).
3Y return: 31.60% (upper mid).
1Y return: 47.93% (lower mid).
1M return: 3.11% (bottom quartile).
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 (~99.9%).
Top-3 holdings concentration ~102.2%.

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 (31 Oct 25)	₹37.2634 ↑ 0.21 (0.56 %)
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
31 Oct 20	₹10,000
31 Oct 21	₹9,395
31 Oct 22	₹9,756
31 Oct 23	₹11,687
31 Oct 24	₹15,007

ICICI Prudential Regular Gold Savings Fund SIP Returns

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

Returns for ICICI Prudential Regular Gold Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25

Duration	Returns
1 Month	3.1%
3 Month	20%
6 Month	25.5%
1 Year	47.9%
3 Year	31.6%
5 Year	17.3%
10 Year
15 Year
Since launch	9.8%

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

6. 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: 17.30% (upper mid).
3Y return: 31.59% (lower mid).
1Y return: 48.25% (upper mid).
1M return: 3.39% (lower 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 (~101.2%).
Top-3 holdings concentration ~107.3%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (31 Oct 25)	₹35.2797 ↑ 0.23 (0.65 %)
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
31 Oct 20	₹10,000
31 Oct 21	₹9,322
31 Oct 22	₹9,704
31 Oct 23	₹11,658
31 Oct 24	₹14,955

SBI Gold Fund SIP Returns

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

Returns for SBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25

Duration	Returns
1 Month	3.4%
3 Month	20.5%
6 Month	25.6%
1 Year	48.3%
3 Year	31.6%
5 Year	17.3%
10 Year
15 Year
Since launch	9.3%

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

7. 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: 17.16% (lower mid).
3Y return: 31.59% (lower mid).
1Y return: 48.18% (lower mid).
1M return: 3.95% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.52 (lower mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Nippon India ETF Gold BeES (~100.2%).
Top-3 holdings concentration ~101.4%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund Growth
Launch Date	7 Mar 11
NAV (31 Oct 25)	₹46.1273 ↑ 0.16 (0.34 %)
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
31 Oct 20	₹10,000
31 Oct 21	₹9,330
31 Oct 22	₹9,678
31 Oct 23	₹11,615
31 Oct 24	₹14,878

Nippon India Gold Savings Fund SIP Returns

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

Returns for Nippon India Gold Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25

Duration	Returns
1 Month	4%
3 Month	20.9%
6 Month	25.8%
1 Year	48.2%
3 Year	31.6%
5 Year	17.2%
10 Year
15 Year
Since launch	11%

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

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 (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.34% (upper mid).
3Y return: 31.36% (bottom quartile).
1Y return: 47.48% (bottom quartile).
1M return: 3.45% (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 (~100.4%).
Top-3 holdings concentration ~101.4%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (31 Oct 25)	₹35.1062 ↑ 0.25 (0.73 %)
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
31 Oct 20	₹10,000
31 Oct 21	₹9,374
31 Oct 22	₹9,803
31 Oct 23	₹11,749
31 Oct 24	₹15,055

Axis Gold Fund SIP Returns

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

Returns for 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 2 May 25

Duration	Returns
1 Month	3.4%
3 Month	20.3%
6 Month	25.4%
1 Year	47.5%
3 Year	31.4%
5 Year	17.3%
10 Year
15 Year
Since launch	9.3%

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

9. 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: 17.05% (bottom quartile).
3Y return: 31.26% (bottom quartile).
1Y return: 48.31% (upper mid).
1M return: 4.38% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.58 (top quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~100.0%).
Top-3 holdings concentration ~101.1%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (31 Oct 25)	₹46.282 ↑ 0.13 (0.29 %)
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.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹9,375
31 Oct 22	₹9,685
31 Oct 23	₹11,588
31 Oct 24	₹14,799

Kotak Gold Fund SIP Returns

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

Returns for 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 2 May 25

Duration	Returns
1 Month	4.4%
3 Month	20.8%
6 Month	26%
1 Year	48.3%
3 Year	31.3%
5 Year	17.1%
10 Year
15 Year
Since launch	11%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	14.53 Yr.
Jeetu Sonar	1 Oct 22	3 Yr.

Data below for Kotak Gold Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	1.64%
Other	98.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹4,154 Cr	431,854,687 ↑ 25,081,904
Net Current Assets/(Liabilities) Net Current Assets \| -	1%	-₹24 Cr
Triparty Repo CBLO/Reverse Repo \| -	1%	₹22 Cr

10. 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: 17.08% (bottom quartile).
3Y return: 31.12% (bottom quartile).
1Y return: 46.72% (bottom quartile).
1M return: 2.56% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.66 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding Aditya BSL Gold ETF (~100.4%).
Top-3 holdings concentration ~103.3%.

Below is the key information for Aditya Birla Sun Life Gold Fund

Aditya Birla Sun Life Gold Fund Growth
Launch Date	20 Mar 12
NAV (31 Oct 25)	₹34.87 ↑ 0.35 (1.01 %)
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.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹9,398
31 Oct 22	₹9,736
31 Oct 23	₹11,666
31 Oct 24	₹14,931

Aditya Birla Sun Life Gold Fund SIP Returns

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

Returns for Aditya Birla Sun Life Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25

Duration	Returns
1 Month	2.6%
3 Month	19.3%
6 Month	24.4%
1 Year	46.7%
3 Year	31.1%
5 Year	17.1%
10 Year
15 Year
Since launch	9.5%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Priya Sridhar	31 Dec 24	0.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	0.93%
Other	99.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	100%	₹913 Cr	89,486,826 ↑ 9,590,606
Net Receivables / (Payables) Net Current Assets \| -	2%	-₹15 Cr
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	1%	₹11 Cr

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