5 वर्षांच्या गुंतवणूक 2022 साठी सर्वोत्तम SIP योजना

Updated on September 21, 2025 , 161431 views

सर्वोत्तम SIP योजना? त्यांना कसे निवडायचे? हे गुंतवणूकदारांच्या मनात उद्भवणारे काही सामान्य प्रश्न आहेत.एसआयपी गुंतवणूक सर्वात शिस्तबद्ध एक आहेगुंतवणूक पर्याय जेव्हाम्युच्युअल फंडात गुंतवणूक. शिवाय, गुंतवणुकीची किमान रक्कम अSIP म्युच्युअल फंड INR 500 इतका कमी आहे. यामुळे गुंतवणूक करता येतेशीर्ष SIP खूप सोयीस्कर योजना.

SIP गुंतवणूक का करावी?

एकदा तुम्ही एसआयपी गुंतवणुकीत मासिक गुंतवणूक करण्यास सुरुवात केली की, तुमचे पैसे दररोज वाढू लागतात (स्टॉकमध्ये गुंतवणूक केली जात आहे.बाजार). हे सुनिश्चित करते की तुमचे पैसे केवळ जतन केले जात नाहीत तर वाढतात. वस्तूंचे मूल्य दिवसेंदिवस वाढत असताना, तुमच्या पैशाचे मूल्यही वाढले पाहिजे असे तुम्हाला वाटत नाही का? बरं, एसआयपीम्युच्युअल फंड तुमच्यासाठी करा.

गुंतवणूकदार या गुंतवणुकीच्या पद्धतीद्वारे त्यांची सर्व उद्दिष्टे पूर्ण करू शकतात. लग्न असो किंवा नवीन वाहन खरेदी असो, SIP तुमच्यासाठी सोपे करते. तुम्ही तुमच्या उद्दिष्टांनुसार (अल्पकालीन किंवा दीर्घकालीन) गुंतवणूक सुरू करू शकता आणि ठराविक कालावधीनंतर संपत्तीत वाढ करू शकता. नावाचे एक साधन आहेसिप कॅल्क्युलेटर ज्याचा वापर करून तुम्ही विशिष्ट उद्दिष्ट साध्य करण्यासाठी तुम्हाला किती गुंतवणूक करावी लागेल याची गणना देखील करू शकता.

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आर्थिक वर्ष 22 - 23 मध्ये 5 वर्षांच्या गुंतवणुकीसाठी सर्वोत्तम SIP योजना

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹43.9855 ↑ 1.07	₹1,421	500	40.5	69.6	93.2	52.4	16.5	15.9
SBI PSU Fund Growth	₹32.223 ↓ -0.07	₹5,179	500	1.4	9.3	-2.3	31.5	32.4	23.5
Invesco India PSU Equity Fund Growth	₹64.01 ↓ -0.26	₹1,341	500	-0.3	13.6	-2.3	31.1	29.9	25.6
SBI Gold Fund Growth	₹33.3898 ↓ -0.11	₹5,221	500	14.8	28.3	50.7	30.4	16.5	19.6
Aditya Birla Sun Life Gold Fund Growth	₹33.1202 ↓ -0.33	₹725	100	15.3	29	52.1	30.3	16.3	18.7
ICICI Prudential Regular Gold Savings Fund Growth	₹35.3076 ↓ -0.20	₹2,603	100	14.9	28.4	51.4	30.1	15.9	19.5
Nippon India Gold Savings Fund Growth	₹43.667 ↓ -0.23	₹3,439	100	15	28.4	50.9	30	16.3	19
HDFC Gold Fund Growth	₹34.0962 ↓ -0.18	₹4,915	300	15.1	28.4	50.8	30	16.3	18.9
Axis Gold Fund Growth	₹33.1797 ↓ -0.23	₹1,272	1,000	15	28.2	50.6	30	16.6	19.2
Kotak Gold Fund Growth	₹43.8384 ↓ -0.18	₹3,506	1,000	14.8	28.3	50.6	29.9	16.1	18.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Sep 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	SBI PSU Fund	Invesco India PSU Equity Fund	SBI Gold Fund	Aditya Birla Sun Life Gold Fund	ICICI Prudential Regular Gold Savings Fund	Nippon India Gold Savings Fund	HDFC Gold Fund	Axis Gold Fund	Kotak Gold Fund
Point 1	Lower mid AUM (₹1,421 Cr).	Top quartile AUM (₹5,179 Cr).	Bottom quartile AUM (₹1,341 Cr).	Highest AUM (₹5,221 Cr).	Bottom quartile AUM (₹725 Cr).	Lower mid AUM (₹2,603 Cr).	Upper mid AUM (₹3,439 Cr).	Upper mid AUM (₹4,915 Cr).	Bottom quartile AUM (₹1,272 Cr).	Upper mid AUM (₹3,506 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Established history (14+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).
Point 3	Top rated.	Rating: 2★ (upper mid).	Rating: 3★ (top quartile).	Rating: 2★ (upper mid).	Rating: 3★ (upper mid).	Rating: 1★ (lower mid).	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 16.54% (upper mid).	5Y return: 32.43% (top quartile).	5Y return: 29.94% (top quartile).	5Y return: 16.50% (upper mid).	5Y return: 16.32% (lower mid).	5Y return: 15.91% (bottom quartile).	5Y return: 16.25% (bottom quartile).	5Y return: 16.30% (lower mid).	5Y return: 16.58% (upper mid).	5Y return: 16.12% (bottom quartile).
Point 6	3Y return: 52.45% (top quartile).	3Y return: 31.55% (top quartile).	3Y return: 31.12% (upper mid).	3Y return: 30.36% (upper mid).	3Y return: 30.27% (upper mid).	3Y return: 30.08% (lower mid).	3Y return: 30.03% (lower mid).	3Y return: 29.95% (bottom quartile).	3Y return: 29.95% (bottom quartile).	3Y return: 29.88% (bottom quartile).
Point 7	1Y return: 93.16% (top quartile).	1Y return: -2.32% (bottom quartile).	1Y return: -2.34% (bottom quartile).	1Y return: 50.74% (lower mid).	1Y return: 52.11% (top quartile).	1Y return: 51.35% (upper mid).	1Y return: 50.90% (upper mid).	1Y return: 50.79% (upper mid).	1Y return: 50.55% (bottom quartile).	1Y return: 50.60% (lower mid).
Point 8	Alpha: 3.15 (top quartile).	Alpha: -0.35 (bottom quartile).	Alpha: 5.81 (top quartile).	1M return: 15.00% (lower mid).	1M return: 15.57% (top quartile).	1M return: 15.07% (lower mid).	1M return: 15.10% (upper mid).	1M return: 15.14% (upper mid).	1M return: 15.24% (upper mid).	1M return: 14.94% (bottom quartile).
Point 9	Sharpe: 1.80 (bottom quartile).	Sharpe: -0.81 (bottom quartile).	Sharpe: -0.58 (bottom 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	Information ratio: -1.09 (bottom quartile).	Information ratio: -0.37 (bottom quartile).	Information ratio: -0.46 (bottom quartile).	Sharpe: 2.58 (upper mid).	Sharpe: 2.66 (top quartile).	Sharpe: 2.55 (upper mid).	Sharpe: 2.52 (lower mid).	Sharpe: 2.55 (lower mid).	Sharpe: 2.57 (upper mid).	Sharpe: 2.58 (top quartile).

DSP World Gold Fund

Lower mid AUM (₹1,421 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 16.54% (upper mid).
3Y return: 52.45% (top quartile).
1Y return: 93.16% (top quartile).
Alpha: 3.15 (top quartile).
Sharpe: 1.80 (bottom quartile).
Information ratio: -1.09 (bottom quartile).

SBI PSU Fund

Top quartile AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 32.43% (top quartile).
3Y return: 31.55% (top quartile).
1Y return: -2.32% (bottom quartile).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,341 Cr).
Established history (15+ yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 29.94% (top quartile).
3Y return: 31.12% (upper mid).
1Y return: -2.34% (bottom quartile).
Alpha: 5.81 (top quartile).
Sharpe: -0.58 (bottom quartile).
Information ratio: -0.46 (bottom quartile).

SBI Gold Fund

Highest AUM (₹5,221 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.50% (upper mid).
3Y return: 30.36% (upper mid).
1Y return: 50.74% (lower mid).
1M return: 15.00% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.58 (upper mid).

Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹725 Cr).
Established history (13+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.32% (lower mid).
3Y return: 30.27% (upper mid).
1Y return: 52.11% (top quartile).
1M return: 15.57% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.66 (top quartile).

ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹2,603 Cr).
Established history (13+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.91% (bottom quartile).
3Y return: 30.08% (lower mid).
1Y return: 51.35% (upper mid).
1M return: 15.07% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.55 (upper mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹3,439 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.25% (bottom quartile).
3Y return: 30.03% (lower mid).
1Y return: 50.90% (upper mid).
1M return: 15.10% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.52 (lower mid).

HDFC Gold Fund

Upper mid AUM (₹4,915 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.30% (lower mid).
3Y return: 29.95% (bottom quartile).
1Y return: 50.79% (upper mid).
1M return: 15.14% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.55 (lower mid).

Axis Gold Fund

Bottom quartile AUM (₹1,272 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.58% (upper mid).
3Y return: 29.95% (bottom quartile).
1Y return: 50.55% (bottom quartile).
1M return: 15.24% (upper mid).
Alpha: 0.00 (bottom quartile).
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: 16.12% (bottom quartile).
3Y return: 29.88% (bottom quartile).
1Y return: 50.60% (lower mid).
1M return: 14.94% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.58 (top quartile).

*उल्लेखित निधी सर्वोत्तम मानत आहेतCAGR 3 वर्षांहून अधिक कालावधीसाठी परतावा आणि किमान 3 वर्षांचा बाजार इतिहास (फंड वय) असलेला फंड आणि किमान 500 कोटींची मालमत्ता व्यवस्थापनाखाली आहे.

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).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 16.54% (upper mid).
3Y return: 52.45% (top quartile).
1Y return: 93.16% (top quartile).
Alpha: 3.15 (top quartile).
Sharpe: 1.80 (bottom quartile).
Information ratio: -1.09 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~77.7%).
Top-3 holdings concentration ~100.1%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (23 Sep 25)	₹43.9855 ↑ 1.07 (2.48 %)
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 Aug 20	₹10,000
31 Aug 21	₹7,754
31 Aug 22	₹5,954
31 Aug 23	₹7,515
31 Aug 24	₹9,830
31 Aug 25	₹16,461

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 23 Sep 25

Duration	Returns
1 Month	27.3%
3 Month	40.5%
6 Month	69.6%
1 Year	93.2%
3 Year	52.4%
5 Year	16.5%
10 Year
15 Year
Since launch	8.6%

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	12.51 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	95.27%

Asset Allocation

Asset Class	Value
Cash	1.87%
Equity	95.34%
Debt	0.01%
Other	2.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	78%	₹942 Cr	1,578,535 ↓ -32,363
VanEck Gold Miners ETF - \| GDX	21%	₹259 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹13 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

2. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Top quartile AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 32.43% (top quartile).
3Y return: 31.55% (top quartile).
1Y return: -2.32% (bottom quartile).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~13.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (24 Sep 25)	₹32.223 ↓ -0.07 (-0.21 %)
Net Assets (Cr)	₹5,179 on 31 Aug 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.81
Information Ratio	-0.37
Alpha Ratio	-0.35
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹14,312
31 Aug 22	₹16,867
31 Aug 23	₹22,201
31 Aug 24	₹40,343
31 Aug 25	₹35,635

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Sep 25

Duration	Returns
1 Month	3.9%
3 Month	1.4%
6 Month	9.3%
1 Year	-2.3%
3 Year	31.5%
5 Year	32.4%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.25 Yr.

Data below for SBI PSU Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	34.8%
Utility	29.58%
Energy	15.36%
Industrials	12.07%
Basic Materials	5.49%

Asset Allocation

Asset Class	Value
Cash	2.6%
Equity	97.31%
Debt	0.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	14%	₹735 Cr	9,227,500 ↑ 650,000
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹497 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹486 Cr	14,543,244 ↑ 2,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	9%	₹481 Cr	16,535,554 ↑ 1,400,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹458 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹319 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹262 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹198 Cr	27,900,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹169 Cr	3,850,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| 540755	3%	₹163 Cr	4,150,000

3. 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 (₹1,341 Cr).
Established history (15+ yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 29.94% (top quartile).
3Y return: 31.12% (upper mid).
1Y return: -2.34% (bottom quartile).
Alpha: 5.81 (top quartile).
Sharpe: -0.58 (bottom quartile).
Information ratio: -0.46 (bottom quartile).
Top sector: Utility.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Bharat Electronics Ltd (~8.8%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (24 Sep 25)	₹64.01 ↓ -0.26 (-0.40 %)
Net Assets (Cr)	₹1,341 on 31 Aug 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	-0.58
Information Ratio	-0.46
Alpha Ratio	5.81
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 Aug 20	₹10,000
31 Aug 21	₹14,116
31 Aug 22	₹15,840
31 Aug 23	₹20,143
31 Aug 24	₹37,355
31 Aug 25	₹32,909

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 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 23 Sep 25

Duration	Returns
1 Month	4.5%
3 Month	-0.3%
6 Month	13.6%
1 Year	-2.3%
3 Year	31.1%
5 Year	29.9%
10 Year
15 Year
Since launch	12.5%

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
Hiten Jain	1 Jul 25	0.17 Yr.
Sagar Gandhi	1 Jul 25	0.17 Yr.

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

Equity Sector Allocation

Sector	Value
Utility	27.91%
Industrials	27.8%
Financial Services	21.95%
Energy	16.03%
Basic Materials	3.99%

Asset Allocation

Asset Class	Value
Cash	2.33%
Equity	97.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹122 Cr	3,178,489
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	8%	₹114 Cr	1,426,314 ↑ 61,200
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	8%	₹113 Cr	3,445,961
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 22 \| 532898	8%	₹105 Cr	3,599,413
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	7%	₹103 Cr	3,085,790
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	7%	₹103 Cr	226,465
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 30 Nov 23 \| HINDPETRO	5%	₹65 Cr	1,564,169
NHPC Ltd (Utilities) Equity, Since 31 Oct 22 \| NHPC	5%	₹64 Cr	7,649,437 ↑ 832,821
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	4%	₹62 Cr	5,911,723
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| 532955	4%	₹59 Cr	1,485,615 ↑ 362,125

4. SBI Gold Fund

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

Research Highlights for SBI Gold Fund

Highest AUM (₹5,221 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.50% (upper mid).
3Y return: 30.36% (upper mid).
1Y return: 50.74% (lower mid).
1M return: 15.00% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.58 (upper mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.2%).
Top-3 holdings concentration ~101.0%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (24 Sep 25)	₹33.3898 ↓ -0.11 (-0.33 %)
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 Aug 20	₹10,000
31 Aug 21	₹9,019
31 Aug 22	₹9,649
31 Aug 23	₹11,136
31 Aug 24	₹13,336
31 Aug 25	₹18,695

SBI 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 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 23 Sep 25

Duration	Returns
1 Month	15%
3 Month	14.8%
6 Month	28.3%
1 Year	50.7%
3 Year	30.4%
5 Year	16.5%
10 Year
15 Year
Since launch	9%

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	13.98 Yr.

Data below for SBI Gold Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	1.24%
Other	98.76%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹4,750 Cr	560,811,834 ↑ 24,600,000
Net Receivable / Payable CBLO \| -	1%	-₹25 Cr
Treps CBLO/Reverse Repo \| -	0%	₹14 Cr

5. 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★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.32% (lower mid).
3Y return: 30.27% (upper mid).
1Y return: 52.11% (top quartile).
1M return: 15.57% (top quartile).
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 ~100.2%.

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 (24 Sep 25)	₹33.1202 ↓ -0.33 (-0.98 %)
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 Aug 20	₹10,000
31 Aug 21	₹9,061
31 Aug 22	₹9,621
31 Aug 23	₹11,125
31 Aug 24	₹13,283
31 Aug 25	₹18,616

Aditya Birla Sun Life 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 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 23 Sep 25

Duration	Returns
1 Month	15.6%
3 Month	15.3%
6 Month	29%
1 Year	52.1%
3 Year	30.3%
5 Year	16.3%
10 Year
15 Year
Since launch	9.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.7%
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	0.67 Yr.

Data below for Aditya Birla Sun Life 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
Aditya BSL Gold ETF - \| -	100%	₹663 Cr	75,923,624 ↑ 897,900
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	0%	₹1 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹1 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

Lower mid AUM (₹2,603 Cr).
Established history (13+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.91% (bottom quartile).
3Y return: 30.08% (lower mid).
1Y return: 51.35% (upper mid).
1M return: 15.07% (lower 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 (~99.8%).
Top-3 holdings concentration ~100.3%.

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 (24 Sep 25)	₹35.3076 ↓ -0.20 (-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 Aug 20	₹10,000
31 Aug 21	₹8,985
31 Aug 22	₹9,647
31 Aug 23	₹11,037
31 Aug 24	₹13,266
31 Aug 25	₹18,603

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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 23 Sep 25

Duration	Returns
1 Month	15.1%
3 Month	14.9%
6 Month	28.4%
1 Year	51.4%
3 Year	30.1%
5 Year	15.9%
10 Year
15 Year
Since launch	9.5%

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	12.94 Yr.
Nishit Patel	29 Dec 20	4.68 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.55%
Other	98.45%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹2,379 Cr	280,401,176 ↑ 5,170,060
Treps CBLO/Reverse Repo \| -	0%	₹8 Cr
Net Current Assets Net Current Assets \| -	0%	-₹4 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★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.25% (bottom quartile).
3Y return: 30.03% (lower mid).
1Y return: 50.90% (upper mid).
1M return: 15.10% (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 (~100.0%).
Top-3 holdings concentration ~100.5%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund Growth
Launch Date	7 Mar 11
NAV (24 Sep 25)	₹43.667 ↓ -0.23 (-0.52 %)
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 Aug 20	₹10,000
31 Aug 21	₹8,973
31 Aug 22	₹9,606
31 Aug 23	₹10,980
31 Aug 24	₹13,183
31 Aug 25	₹18,480

Nippon India Gold Savings 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 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 23 Sep 25

Duration	Returns
1 Month	15.1%
3 Month	15%
6 Month	28.4%
1 Year	50.9%
3 Year	30%
5 Year	16.3%
10 Year
15 Year
Since launch	10.7%

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	1.69 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.34%
Other	98.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Nippon India ETF Gold BeES - \| -	100%	₹3,249 Cr	395,216,739 ↑ 4,135,000
Net Current Assets Net Current Assets \| -	0%	-₹8 Cr
Triparty Repo CBLO/Reverse Repo \| -	0%	₹8 Cr
Cash Margin - Ccil CBLO \| -	0%	₹0 Cr
Cash Net Current Assets \| -	0%	₹0 Cr	00

8. 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 (₹4,915 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.30% (lower mid).
3Y return: 29.95% (bottom quartile).
1Y return: 50.79% (upper mid).
1M return: 15.14% (upper mid).
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 (~100.2%).
Top-3 holdings concentration ~100.5%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund Growth
Launch Date	24 Oct 11
NAV (24 Sep 25)	₹34.0962 ↓ -0.18 (-0.51 %)
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 Aug 20	₹10,000
31 Aug 21	₹8,995
31 Aug 22	₹9,637
31 Aug 23	₹11,044
31 Aug 24	₹13,286
31 Aug 25	₹18,521

HDFC 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 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 23 Sep 25

Duration	Returns
1 Month	15.1%
3 Month	15.1%
6 Month	28.4%
1 Year	50.8%
3 Year	30%
5 Year	16.3%
10 Year
15 Year
Since launch	9.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.9%
2023	14.1%
2022	12.7%
2021	-5.5%
2020	27.5%
2019	21.7%
2018	6.6%
2017	2.8%
2016	10.1%
2015	-7.3%

Fund Manager information for HDFC Gold Fund

Name	Since	Tenure
Arun Agarwal	15 Feb 23	2.54 Yr.
Nandita Menezes	29 Mar 25	0.42 Yr.

Data below for HDFC Gold Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	1.43%
Other	98.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	100%	₹4,544 Cr	535,910,445 ↑ 17,341,000
Net Current Assets Net Current Assets \| -	0%	-₹12 Cr
Treps - Tri-Party Repo CBLO/Reverse Repo \| -	0%	₹5 Cr

9. Axis Gold Fund

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

Research Highlights for Axis Gold Fund

Bottom quartile AUM (₹1,272 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.58% (upper mid).
3Y return: 29.95% (bottom quartile).
1Y return: 50.55% (bottom quartile).
1M return: 15.24% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.57 (upper mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~99.4%).
Top-3 holdings concentration ~100.4%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (24 Sep 25)	₹33.1797 ↓ -0.23 (-0.69 %)
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 Aug 20	₹10,000
31 Aug 21	₹9,093
31 Aug 22	₹9,742
31 Aug 23	₹11,224
31 Aug 24	₹13,435
31 Aug 25	₹18,771

Axis 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 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 23 Sep 25

Duration	Returns
1 Month	15.2%
3 Month	15%
6 Month	28.2%
1 Year	50.6%
3 Year	30%
5 Year	16.6%
10 Year
15 Year
Since launch	9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.2%
2023	14.7%
2022	12.5%
2021	-4.7%
2020	26.9%
2019	23.1%
2018	8.3%
2017	0.7%
2016	10.7%
2015	-11.9%

Fund Manager information for Axis Gold Fund

Name	Since	Tenure
Aditya Pagaria	9 Nov 21	3.81 Yr.
Pratik Tibrewal	1 Feb 25	0.58 Yr.

Data below for Axis Gold Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	2.23%
Other	97.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	99%	₹1,173 Cr	141,728,710 ↑ 8,389,506
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	1%	₹10 Cr
Net Receivables / (Payables) CBLO \| -	0%	-₹2 Cr

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: 16.12% (bottom quartile).
3Y return: 29.88% (bottom quartile).
1Y return: 50.60% (lower mid).
1M return: 14.94% (bottom 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 (~99.9%).
Top-3 holdings concentration ~100.7%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (24 Sep 25)	₹43.8384 ↓ -0.18 (-0.42 %)
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 Aug 20	₹10,000
31 Aug 21	₹9,053
31 Aug 22	₹9,628
31 Aug 23	₹11,010
31 Aug 24	₹13,218
31 Aug 25	₹18,490

Kotak 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 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 23 Sep 25

Duration	Returns
1 Month	14.9%
3 Month	14.8%
6 Month	28.3%
1 Year	50.6%
3 Year	29.9%
5 Year	16.1%
10 Year
15 Year
Since launch	10.8%

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	14.45 Yr.
Jeetu Sonar	1 Oct 22	2.92 Yr.

Data below for Kotak Gold Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	1.81%
Other	98.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹3,298 Cr	398,499,127 ↑ 7,152,945
Triparty Repo CBLO/Reverse Repo \| -	0%	₹15 Cr
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹12 Cr

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