5 വർഷത്തെ നിക്ഷേപത്തിനുള്ള മികച്ച SIP പ്ലാനുകൾ 2022

Updated on November 27, 2025 , 161631 views

മികച്ച SIP പ്ലാനുകൾ? അവരെ എങ്ങനെ തിരഞ്ഞെടുക്കാം? നിക്ഷേപകരുടെ മനസ്സിൽ സാധാരണയായി ഉയരുന്ന ചില ചോദ്യങ്ങളാണിത്.SIP നിക്ഷേപം ഏറ്റവും അച്ചടക്കമുള്ള ഒന്നാണ്നിക്ഷേപിക്കുന്നു എപ്പോൾ ഓപ്ഷനുകൾമ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു. മാത്രമല്ല, നിക്ഷേപത്തിന്റെ ഏറ്റവും കുറഞ്ഞ തുക എഎസ്.ഐ.പി മ്യൂച്വൽ ഫണ്ട് 500 രൂപയിൽ താഴെയാണ്. ഇത് നിക്ഷേപം നടത്തുന്നുടോപ്പ് SIP വളരെ സൗകര്യപ്രദമായ പദ്ധതികൾ.

എന്തുകൊണ്ടാണ് ഒരു SIP നിക്ഷേപം നടത്തുന്നത്?

നിങ്ങൾ ഒരു SIP നിക്ഷേപത്തിൽ പ്രതിമാസ നിക്ഷേപം ആരംഭിച്ചുകഴിഞ്ഞാൽ, നിങ്ങളുടെ പണം ഓരോ ദിവസവും വളരാൻ തുടങ്ങുന്നു (സ്റ്റോക്കിൽ നിക്ഷേപിക്കുന്നത്വിപണി). ഇത് നിങ്ങളുടെ പണം ലാഭിക്കുക മാത്രമല്ല, വളരുകയും ചെയ്യുന്നു. ഓരോ ദിവസവും ചരക്കുകളുടെ മൂല്യം വർദ്ധിക്കുന്നതിനാൽ, നിങ്ങളുടെ പണത്തിന്റെ മൂല്യവും വർദ്ധിക്കണമെന്ന് നിങ്ങൾ കരുതുന്നില്ലേ? ശരി, SIPമ്യൂച്വൽ ഫണ്ടുകൾ നിങ്ങൾക്കായി അത് ചെയ്യുക.

ഈ നിക്ഷേപ രീതി ഉപയോഗിച്ച് നിക്ഷേപകർക്ക് അവരുടെ എല്ലാ ലക്ഷ്യങ്ങളും നിറവേറ്റാനാകും. അത് വിവാഹമോ പുതിയ വാഹനം വാങ്ങുന്നതോ ആകട്ടെ, SIP നിങ്ങൾക്ക് എളുപ്പമാക്കുന്നു. നിങ്ങളുടെ ലക്ഷ്യങ്ങൾക്കനുസരിച്ച് (ഹ്രസ്വകാലമോ ദീർഘകാലമോ) നിക്ഷേപം ആരംഭിക്കുകയും ഒരു നിശ്ചിത കാലയളവിനുശേഷം സമ്പത്തിൽ വർദ്ധനവ് നേടുകയും ചെയ്യാം. എന്നൊരു ടൂൾ ഉണ്ട്സിപ്പ് കാൽക്കുലേറ്റർ ഒരു നിശ്ചിത ലക്ഷ്യം നേടുന്നതിന് നിങ്ങൾ നിക്ഷേപിക്കേണ്ട തുക കണക്കാക്കാൻ പോലും ഇത് ഉപയോഗിച്ച് നിങ്ങൾക്ക് കഴിയും.

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FY 22 - 23 ലെ 5 വർഷത്തെ നിക്ഷേപത്തിനുള്ള മികച്ച SIP പ്ലാനുകൾ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹47.8166 ↑ 1.54	₹1,498	500	33.8	63.2	126.1	45.4	21.3	15.9
SBI Gold Fund Growth	₹36.8501 ↑ 0.15	₹8,457	500	23.9	30.4	63.1	32.1	19.4	19.6
Nippon India Gold Savings Fund Growth	₹48.2352 ↑ 0.23	₹4,545	100	23.8	30.4	62.8	31.9	19.1	19
HDFC Gold Fund Growth	₹37.6306 ↑ 0.12	₹7,092	300	23.7	30.3	62.7	31.8	19.3	18.9
ICICI Prudential Regular Gold Savings Fund Growth	₹38.9668 ↑ 0.15	₹3,770	100	23.6	30.4	62.6	31.8	19.2	19.5
Axis Gold Fund Growth	₹36.5994 ↑ 0.19	₹1,800	1,000	23.6	29.9	61.6	31.8	19.4	19.2
Aditya Birla Sun Life Gold Fund Growth	₹36.5709 ↑ 0.08	₹1,042	100	23.5	30.8	62.5	31.8	19.2	18.7
Kotak Gold Fund Growth	₹48.3005 ↑ 0.07	₹4,540	1,000	23.5	30.2	62.2	31.7	19.1	18.9
Franklin India Opportunities Fund Growth	₹261.391 ↑ 0.36	₹8,189	500	2.6	6.5	4.5	28.7	24.9	37.3
Invesco India PSU Equity Fund Growth	₹65.48 ↓ -0.10	₹1,466	500	9.4	1.4	4.2	27.6	28.1	25.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Nov 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	SBI Gold Fund	Nippon India Gold Savings Fund	HDFC Gold Fund	ICICI Prudential Regular Gold Savings Fund	Axis Gold Fund	Aditya Birla Sun Life Gold Fund	Kotak Gold Fund	Franklin India Opportunities Fund	Invesco India PSU Equity Fund
Point 1	Bottom quartile AUM (₹1,498 Cr).	Highest AUM (₹8,457 Cr).	Upper mid AUM (₹4,545 Cr).	Upper mid AUM (₹7,092 Cr).	Lower mid AUM (₹3,770 Cr).	Lower mid AUM (₹1,800 Cr).	Bottom quartile AUM (₹1,042 Cr).	Upper mid AUM (₹4,540 Cr).	Top quartile AUM (₹8,189 Cr).	Bottom quartile AUM (₹1,466 Cr).
Point 2	Established history (18+ 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).	Established history (14+ yrs).	Oldest track record among peers (25 yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 2★ (upper mid).	Rating: 2★ (lower mid).	Rating: 1★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 3★ (top quartile).	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 21.32% (upper mid).	5Y return: 19.40% (upper mid).	5Y return: 19.11% (bottom quartile).	5Y return: 19.28% (lower mid).	5Y return: 19.18% (bottom quartile).	5Y return: 19.39% (upper mid).	5Y return: 19.19% (lower mid).	5Y return: 19.12% (bottom quartile).	5Y return: 24.87% (top quartile).	5Y return: 28.08% (top quartile).
Point 6	3Y return: 45.39% (top quartile).	3Y return: 32.07% (top quartile).	3Y return: 31.89% (upper mid).	3Y return: 31.84% (upper mid).	3Y return: 31.84% (upper mid).	3Y return: 31.83% (lower mid).	3Y return: 31.81% (lower mid).	3Y return: 31.65% (bottom quartile).	3Y return: 28.74% (bottom quartile).	3Y return: 27.56% (bottom quartile).
Point 7	1Y return: 126.05% (top quartile).	1Y return: 63.15% (top quartile).	1Y return: 62.75% (upper mid).	1Y return: 62.71% (upper mid).	1Y return: 62.60% (upper mid).	1Y return: 61.56% (bottom quartile).	1Y return: 62.50% (lower mid).	1Y return: 62.19% (lower mid).	1Y return: 4.54% (bottom quartile).	1Y return: 4.17% (bottom quartile).
Point 8	Alpha: -4.16 (bottom quartile).	1M return: 8.28% (upper mid).	1M return: 8.00% (lower mid).	1M return: 8.18% (lower mid).	1M return: 7.91% (bottom quartile).	1M return: 8.66% (upper mid).	1M return: 9.03% (top quartile).	1M return: 8.60% (upper mid).	Alpha: 0.68 (top quartile).	Alpha: -0.54 (bottom quartile).
Point 9	Sharpe: 1.83 (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).	Sharpe: 0.06 (bottom quartile).	Sharpe: 0.09 (bottom quartile).
Point 10	Information ratio: -1.04 (bottom quartile).	Sharpe: 2.42 (upper mid).	Sharpe: 2.41 (upper mid).	Sharpe: 2.41 (lower mid).	Sharpe: 2.38 (lower mid).	Sharpe: 2.42 (upper mid).	Sharpe: 2.45 (top quartile).	Sharpe: 2.49 (top quartile).	Information ratio: 1.78 (top quartile).	Information ratio: -0.60 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,498 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.32% (upper mid).
3Y return: 45.39% (top quartile).
1Y return: 126.05% (top quartile).
Alpha: -4.16 (bottom quartile).
Sharpe: 1.83 (bottom quartile).
Information ratio: -1.04 (bottom quartile).

SBI Gold Fund

Highest AUM (₹8,457 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.40% (upper mid).
3Y return: 32.07% (top quartile).
1Y return: 63.15% (top quartile).
1M return: 8.28% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 2.42 (upper mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹4,545 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.11% (bottom quartile).
3Y return: 31.89% (upper mid).
1Y return: 62.75% (upper mid).
1M return: 8.00% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.41 (upper mid).

HDFC Gold Fund

Upper mid AUM (₹7,092 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.28% (lower mid).
3Y return: 31.84% (upper mid).
1Y return: 62.71% (upper mid).
1M return: 8.18% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.41 (lower mid).

ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹3,770 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.18% (bottom quartile).
3Y return: 31.84% (upper mid).
1Y return: 62.60% (upper mid).
1M return: 7.91% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.38 (lower mid).

Axis Gold Fund

Lower mid AUM (₹1,800 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.39% (upper mid).
3Y return: 31.83% (lower mid).
1Y return: 61.56% (bottom quartile).
1M return: 8.66% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.42 (upper mid).

Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹1,042 Cr).
Established history (13+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 19.19% (lower mid).
3Y return: 31.81% (lower mid).
1Y return: 62.50% (lower mid).
1M return: 9.03% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.45 (top quartile).

Kotak Gold Fund

Upper mid AUM (₹4,540 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.12% (bottom quartile).
3Y return: 31.65% (bottom quartile).
1Y return: 62.19% (lower mid).
1M return: 8.60% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.49 (top quartile).

Franklin India Opportunities Fund

Top quartile AUM (₹8,189 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.87% (top quartile).
3Y return: 28.74% (bottom quartile).
1Y return: 4.54% (bottom quartile).
Alpha: 0.68 (top quartile).
Sharpe: 0.06 (bottom quartile).
Information ratio: 1.78 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,466 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.08% (top quartile).
3Y return: 27.56% (bottom quartile).
1Y return: 4.17% (bottom quartile).
Alpha: -0.54 (bottom quartile).
Sharpe: 0.09 (bottom quartile).
Information ratio: -0.60 (bottom quartile).

* സൂചിപ്പിച്ച ഫണ്ടുകൾ മികച്ചതായി പരിഗണിക്കുന്നുസിഎജിആർ 3 വർഷത്തിലേറെയുള്ള റിട്ടേണുകളും ഫണ്ടിന് കുറഞ്ഞത് 3 വർഷത്തെ മാർക്കറ്റ് ചരിത്രവും (ഫണ്ട് പ്രായം) ഉണ്ട് കൂടാതെ മാനേജ്‌മെന്റിന് കീഴിൽ കുറഞ്ഞത് 500 കോടി ആസ്തിയുണ്ട്.

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Bottom quartile AUM (₹1,498 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.32% (upper mid).
3Y return: 45.39% (top quartile).
1Y return: 126.05% (top quartile).
Alpha: -4.16 (bottom quartile).
Sharpe: 1.83 (bottom quartile).
Information ratio: -1.04 (bottom quartile).

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (26 Nov 25)	₹47.8166 ↑ 1.54 (3.32 %)
Net Assets (Cr)	₹1,498 on 31 Oct 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.83
Information Ratio	-1.04
Alpha Ratio	-4.16
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

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 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 26 Nov 25

Duration	Returns
1 Month	12.4%
3 Month	33.8%
6 Month	63.2%
1 Year	126.1%
3 Year	45.4%
5 Year	21.3%
10 Year
15 Year
Since launch	9%

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

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

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. SBI Gold Fund

The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS).

Research Highlights for SBI Gold Fund

Highest AUM (₹8,457 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.40% (upper mid).
3Y return: 32.07% (top quartile).
1Y return: 63.15% (top quartile).
1M return: 8.28% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 2.42 (upper mid).
Information ratio: 0.00 (top quartile).

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (28 Nov 25)	₹36.8501 ↑ 0.15 (0.42 %)
Net Assets (Cr)	₹8,457 on 31 Oct 25
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	2.42
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

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 26 Nov 25

Duration	Returns
1 Month	8.3%
3 Month	23.9%
6 Month	30.4%
1 Year	63.1%
3 Year	32.1%
5 Year	19.4%
10 Year
15 Year
Since launch	9.6%

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

Data below for SBI Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. 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 (₹4,545 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.11% (bottom quartile).
3Y return: 31.89% (upper mid).
1Y return: 62.75% (upper mid).
1M return: 8.00% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.41 (upper mid).
Information ratio: 0.00 (upper mid).

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund Growth
Launch Date	7 Mar 11
NAV (28 Nov 25)	₹48.2352 ↑ 0.23 (0.49 %)
Net Assets (Cr)	₹4,545 on 31 Oct 25
Category	Gold - Gold
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.35
Sharpe Ratio	2.41
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

Nippon India Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 26 Nov 25

Duration	Returns
1 Month	8%
3 Month	23.8%
6 Month	30.4%
1 Year	62.8%
3 Year	31.9%
5 Year	19.1%
10 Year
15 Year
Since launch	11.3%

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

Data below for Nippon India Gold Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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

Upper mid AUM (₹7,092 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.28% (lower mid).
3Y return: 31.84% (upper mid).
1Y return: 62.71% (upper mid).
1M return: 8.18% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.41 (lower mid).
Information ratio: 0.00 (upper mid).

Below is the key information for HDFC Gold Fund

HDFC Gold Fund Growth
Launch Date	24 Oct 11
NAV (28 Nov 25)	₹37.6306 ↑ 0.12 (0.32 %)
Net Assets (Cr)	₹7,092 on 31 Oct 25
Category	Gold - Gold
AMC	HDFC Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.49
Sharpe Ratio	2.41
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

HDFC Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 26 Nov 25

Duration	Returns
1 Month	8.2%
3 Month	23.7%
6 Month	30.3%
1 Year	62.7%
3 Year	31.8%
5 Year	19.3%
10 Year
15 Year
Since launch	9.9%

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

Data below for HDFC Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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

Lower mid AUM (₹3,770 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.18% (bottom quartile).
3Y return: 31.84% (upper mid).
1Y return: 62.60% (upper mid).
1M return: 7.91% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.38 (lower mid).
Information ratio: 0.00 (upper mid).

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 (28 Nov 25)	₹38.9668 ↑ 0.15 (0.39 %)
Net Assets (Cr)	₹3,770 on 31 Oct 25
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	2.38
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

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 26 Nov 25

Duration	Returns
1 Month	7.9%
3 Month	23.6%
6 Month	30.4%
1 Year	62.6%
3 Year	31.8%
5 Year	19.2%
10 Year
15 Year
Since launch	10.1%

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

Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

6. 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 (₹1,800 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.39% (upper mid).
3Y return: 31.83% (lower mid).
1Y return: 61.56% (bottom quartile).
1M return: 8.66% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.42 (upper mid).
Information ratio: 0.00 (lower mid).

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (28 Nov 25)	₹36.5994 ↑ 0.19 (0.51 %)
Net Assets (Cr)	₹1,800 on 31 Oct 25
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	2.43
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

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 26 Nov 25

Duration	Returns
1 Month	8.7%
3 Month	23.6%
6 Month	29.9%
1 Year	61.6%
3 Year	31.8%
5 Year	19.4%
10 Year
15 Year
Since launch	9.6%

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

Data below for Axis Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

7. Aditya Birla Sun Life Gold Fund

An Open ended Fund of Funds Scheme with the investment objective to provide returns that tracks returns provided by Birla Sun Life Gold ETF (BSL Gold ETF).

Research Highlights for Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹1,042 Cr).
Established history (13+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 19.19% (lower mid).
3Y return: 31.81% (lower mid).
1Y return: 62.50% (lower mid).
1M return: 9.03% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.45 (top quartile).
Information ratio: 0.00 (lower mid).

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 (28 Nov 25)	₹36.5709 ↑ 0.08 (0.21 %)
Net Assets (Cr)	₹1,042 on 31 Oct 25
Category	Gold - Gold
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.51
Sharpe Ratio	2.45
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

Aditya Birla Sun Life Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 26 Nov 25

Duration	Returns
1 Month	9%
3 Month	23.5%
6 Month	30.8%
1 Year	62.5%
3 Year	31.8%
5 Year	19.2%
10 Year
15 Year
Since launch	9.9%

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

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

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

8. Kotak Gold Fund

The investment objective of the scheme is to generate returns by investing in units of Kotak Gold Exchange Traded Fund.

Research Highlights for Kotak Gold Fund

Upper mid AUM (₹4,540 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.12% (bottom quartile).
3Y return: 31.65% (bottom quartile).
1Y return: 62.19% (lower mid).
1M return: 8.60% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.49 (top quartile).
Information ratio: 0.00 (bottom quartile).

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (28 Nov 25)	₹48.3005 ↑ 0.07 (0.15 %)
Net Assets (Cr)	₹4,540 on 31 Oct 25
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	2.49
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

Kotak Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 26 Nov 25

Duration	Returns
1 Month	8.6%
3 Month	23.5%
6 Month	30.2%
1 Year	62.2%
3 Year	31.7%
5 Year	19.1%
10 Year
15 Year
Since launch	11.3%

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

Data below for Kotak Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

9. Franklin India Opportunities Fund

The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy.

Research Highlights for Franklin India Opportunities Fund

Top quartile AUM (₹8,189 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.87% (top quartile).
3Y return: 28.74% (bottom quartile).
1Y return: 4.54% (bottom quartile).
Alpha: 0.68 (top quartile).
Sharpe: 0.06 (bottom quartile).
Information ratio: 1.78 (top quartile).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (28 Nov 25)	₹261.391 ↑ 0.36 (0.14 %)
Net Assets (Cr)	₹8,189 on 31 Oct 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	0.06
Information Ratio	1.78
Alpha Ratio	0.68
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

Franklin India Opportunities 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 Franklin India Opportunities Fund

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

Duration	Returns
1 Month	-1%
3 Month	2.6%
6 Month	6.5%
1 Year	4.5%
3 Year	28.7%
5 Year	24.9%
10 Year
15 Year
Since launch	13.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	37.3%
2023	53.6%
2022	-1.9%
2021	29.7%
2020	27.3%
2019	5.4%
2018	-10.1%
2017	35.6%
2016	4.2%
2015	2.3%

Fund Manager information for Franklin India Opportunities Fund

Name	Since	Tenure

Data below for Franklin India Opportunities Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

10. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,466 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.08% (top quartile).
3Y return: 27.56% (bottom quartile).
1Y return: 4.17% (bottom quartile).
Alpha: -0.54 (bottom quartile).
Sharpe: 0.09 (bottom quartile).
Information ratio: -0.60 (bottom quartile).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (28 Nov 25)	₹65.48 ↓ -0.10 (-0.15 %)
Net Assets (Cr)	₹1,466 on 31 Oct 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.09
Information Ratio	-0.6
Alpha Ratio	-0.54
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

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for Invesco India PSU Equity Fund

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

Duration	Returns
1 Month	0%
3 Month	9.4%
6 Month	1.4%
1 Year	4.2%
3 Year	27.6%
5 Year	28.1%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.6%
2023	54.5%
2022	20.5%
2021	31.1%
2020	6.1%
2019	10.1%
2018	-16.9%
2017	24.3%
2016	17.9%
2015	2.5%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure

Data below for Invesco India PSU Equity Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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