5 वर्षांच्या गुंतवणूक 2022 साठी सर्वोत्तम SIP योजना

Updated on August 1, 2026 , 166405 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	₹48.8787 ↓ -1.55	₹1,433	500	-15.4	-20.4	59.7	41.2	21.4	167.1
SBI Gold Fund Growth	₹41.3323 ↑ 0.06	₹15,294	500	-5.1	-6.2	43.2	32.2	22.8	71.5
ICICI Prudential Regular Gold Savings Fund Growth	₹43.6482 ↑ 0.04	₹6,265	100	-5.2	-6.7	42.8	32	22.7	72
HDFC Gold Fund Growth	₹42.117 ↑ 0.06	₹11,019	300	-5.1	-6.7	42.7	31.9	22.7	71.3
Nippon India Gold Savings Fund Growth	₹53.9306 ↑ 0.07	₹6,854	100	-5.1	-6.5	42.5	31.9	22.6	71.2
IDBI Gold Fund Growth	₹36.5645 ↑ 0.11	₹757	500	-4.9	-6.3	42.1	31.9	22.7	79
Aditya Birla Sun Life Gold Fund Growth	₹40.9749 ↑ 0.01	₹1,648	100	-5	-6.4	42.9	31.9	22.5	72
Kotak Gold Fund Growth	₹54.1751 ↑ 0.10	₹6,422	1,000	-5.2	-6.3	42.9	31.8	22.4	70.4
Axis Gold Fund Growth	₹41.0149 ↑ 0.09	₹2,828	1,000	-5.2	-6.6	42.7	31.8	22.8	69.8
Invesco India Mid Cap Fund Growth	₹201.74 ↑ 4.02	₹13,767	500	12.7	13.8	13.9	25.3	19.4	6.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	SBI Gold Fund	ICICI Prudential Regular Gold Savings Fund	HDFC Gold Fund	Nippon India Gold Savings Fund	IDBI Gold Fund	Aditya Birla Sun Life Gold Fund	Kotak Gold Fund	Axis Gold Fund	Invesco India Mid Cap Fund
Point 1	Bottom quartile AUM (₹1,433 Cr).	Highest AUM (₹15,294 Cr).	Lower mid AUM (₹6,265 Cr).	Upper mid AUM (₹11,019 Cr).	Upper mid AUM (₹6,854 Cr).	Bottom quartile AUM (₹757 Cr).	Bottom quartile AUM (₹1,648 Cr).	Upper mid AUM (₹6,422 Cr).	Lower mid AUM (₹2,828 Cr).	Top quartile AUM (₹13,767 Cr).
Point 2	Established history (18+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Established history (14+ yrs).	Oldest track record among peers (19 yrs).
Point 3	Top rated.	Rating: 2★ (upper mid).	Rating: 1★ (lower mid).	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Not Rated.	Rating: 3★ (top quartile).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 2★ (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: Moderately High.
Point 5	5Y return: 21.39% (bottom quartile).	5Y return: 22.83% (top quartile).	5Y return: 22.75% (upper mid).	5Y return: 22.70% (upper mid).	5Y return: 22.65% (lower mid).	5Y return: 22.73% (upper mid).	5Y return: 22.55% (lower mid).	5Y return: 22.45% (bottom quartile).	5Y return: 22.78% (top quartile).	5Y return: 19.38% (bottom quartile).
Point 6	3Y return: 41.18% (top quartile).	3Y return: 32.23% (top quartile).	3Y return: 32.02% (upper mid).	3Y return: 31.95% (upper mid).	3Y return: 31.91% (upper mid).	3Y return: 31.86% (lower mid).	3Y return: 31.86% (lower mid).	3Y return: 31.85% (bottom quartile).	3Y return: 31.84% (bottom quartile).	3Y return: 25.34% (bottom quartile).
Point 7	1Y return: 59.69% (top quartile).	1Y return: 43.17% (top quartile).	1Y return: 42.78% (upper mid).	1Y return: 42.66% (lower mid).	1Y return: 42.54% (bottom quartile).	1Y return: 42.14% (bottom quartile).	1Y return: 42.90% (upper mid).	1Y return: 42.92% (upper mid).	1Y return: 42.66% (lower mid).	1Y return: 13.87% (bottom quartile).
Point 8	Alpha: 2.12 (top quartile).	1M return: -2.56% (bottom quartile).	1M return: -2.71% (bottom quartile).	1M return: -2.53% (upper mid).	1M return: -2.55% (lower mid).	1M return: -2.37% (upper mid).	1M return: -2.50% (upper mid).	1M return: -2.54% (lower mid).	1M return: -3.00% (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 1.22 (lower mid).	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).	Sharpe: 0.19 (bottom quartile).
Point 10	Information ratio: -0.50 (bottom quartile).	Sharpe: 1.29 (upper mid).	Sharpe: 1.22 (upper mid).	Sharpe: 1.28 (upper mid).	Sharpe: 1.19 (bottom quartile).	Sharpe: 1.22 (lower mid).	Sharpe: 1.20 (bottom quartile).	Sharpe: 1.38 (top quartile).	Sharpe: 1.35 (top quartile).	Information ratio: 0.00 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,433 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.39% (bottom quartile).
3Y return: 41.18% (top quartile).
1Y return: 59.69% (top quartile).
Alpha: 2.12 (top quartile).
Sharpe: 1.22 (lower mid).
Information ratio: -0.50 (bottom quartile).

SBI Gold Fund

Highest AUM (₹15,294 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.83% (top quartile).
3Y return: 32.23% (top quartile).
1Y return: 43.17% (top quartile).
1M return: -2.56% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 1.29 (upper mid).

ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹6,265 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.75% (upper mid).
3Y return: 32.02% (upper mid).
1Y return: 42.78% (upper mid).
1M return: -2.71% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.22 (upper mid).

HDFC Gold Fund

Upper mid AUM (₹11,019 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.70% (upper mid).
3Y return: 31.95% (upper mid).
1Y return: 42.66% (lower mid).
1M return: -2.53% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.28 (upper mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹6,854 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.65% (lower mid).
3Y return: 31.91% (upper mid).
1Y return: 42.54% (bottom quartile).
1M return: -2.55% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.19 (bottom quartile).

IDBI Gold Fund

Bottom quartile AUM (₹757 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.73% (upper mid).
3Y return: 31.86% (lower mid).
1Y return: 42.14% (bottom quartile).
1M return: -2.37% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.22 (lower mid).

Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹1,648 Cr).
Established history (14+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 22.55% (lower mid).
3Y return: 31.86% (lower mid).
1Y return: 42.90% (upper mid).
1M return: -2.50% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.20 (bottom quartile).

Kotak Gold Fund

Upper mid AUM (₹6,422 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.45% (bottom quartile).
3Y return: 31.85% (bottom quartile).
1Y return: 42.92% (upper mid).
1M return: -2.54% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.38 (top quartile).

Axis Gold Fund

Lower mid AUM (₹2,828 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.78% (top quartile).
3Y return: 31.84% (bottom quartile).
1Y return: 42.66% (lower mid).
1M return: -3.00% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.35 (top quartile).

Invesco India Mid Cap Fund

Top quartile AUM (₹13,767 Cr).
Oldest track record among peers (19 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.38% (bottom quartile).
3Y return: 25.34% (bottom quartile).
1Y return: 13.87% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.19 (bottom quartile).
Information ratio: 0.00 (bottom 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

Bottom quartile AUM (₹1,433 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.39% (bottom quartile).
3Y return: 41.18% (top quartile).
1Y return: 59.69% (top quartile).
Alpha: 2.12 (top quartile).
Sharpe: 1.22 (lower mid).
Information ratio: -0.50 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~93%).
Largest holding BGF World Gold I2 (~67.0%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (31 Jul 26)	₹48.8787 ↓ -1.55 (-3.07 %)
Net Assets (Cr)	₹1,433 on 30 Jun 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.22
Information Ratio	-0.5
Alpha Ratio	2.12
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 Jul 21	₹10,000
31 Jul 22	₹7,373
31 Jul 23	₹9,366
31 Jul 24	₹11,150
31 Jul 25	₹16,504
31 Jul 26	₹26,355

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 31 Jul 26

Duration	Returns
1 Month	-0.8%
3 Month	-15.4%
6 Month	-20.4%
1 Year	59.7%
3 Year	41.2%
5 Year	21.4%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.25 Yr.

Data below for DSP World Gold Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Basic Materials	92.85%

Asset Allocation

Asset Class	Value
Cash	5.2%
Equity	93.02%
Debt	0.01%
Other	1.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	67%	₹960 Cr	983,452 ↓ -21,591
VanEck Gold Miners ETF - \| GDX	29%	₹409 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	5%	₹67 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹4 Cr

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 (₹15,294 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.83% (top quartile).
3Y return: 32.23% (top quartile).
1Y return: 43.17% (top quartile).
1M return: -2.56% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 1.29 (upper mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.1%).
Top-3 holdings concentration ~100.8%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (03 Aug 26)	₹41.3323 ↑ 0.06 (0.15 %)
Net Assets (Cr)	₹15,294 on 30 Jun 26
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	1.29
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 Jul 21	₹10,000
31 Jul 22	₹10,500
31 Jul 23	₹12,058
31 Jul 24	₹13,968
31 Jul 25	₹19,487
31 Jul 26	₹27,752

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Jul 26

Duration	Returns
1 Month	-2.6%
3 Month	-5.1%
6 Month	-6.2%
1 Year	43.2%
3 Year	32.2%
5 Year	22.8%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Viral Chhadva	1 Mar 26	0.42 Yr.

Data below for SBI Gold Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	1.52%
Other	98.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹15,308 Cr	1,280,181,221 ↑ 33,495,027
Net Receivable / Payable CBLO \| -	0%	-₹60 Cr
Treps CBLO/Reverse Repo \| -	0%	₹46 Cr

3. 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 (₹6,265 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.75% (upper mid).
3Y return: 32.02% (upper mid).
1Y return: 42.78% (upper mid).
1M return: -2.71% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.22 (upper mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding ICICI Pru Gold ETF (~100.0%).
Top-3 holdings concentration ~100.8%.

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 (03 Aug 26)	₹43.6482 ↑ 0.04 (0.09 %)
Net Assets (Cr)	₹6,265 on 30 Jun 26
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	1.22
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 Jul 21	₹10,000
31 Jul 22	₹10,447
31 Jul 23	₹11,981
31 Jul 24	₹13,891
31 Jul 25	₹19,373
31 Jul 26	₹27,543

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Jul 26

Duration	Returns
1 Month	-2.7%
3 Month	-5.2%
6 Month	-6.7%
1 Year	42.8%
3 Year	32%
5 Year	22.7%
10 Year
15 Year
Since launch	10.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	72%
2023	19.5%
2022	13.5%
2021	12.7%
2020	-5.4%
2019	26.6%
2018	22.7%
2017	7.4%
2016	0.8%
2015	8.9%

Fund Manager information for ICICI Prudential Regular Gold Savings Fund

Name	Since	Tenure
Manish Banthia	27 Sep 12	13.85 Yr.
Nishit Patel	29 Dec 20	5.59 Yr.
Ashwini Bharucha	1 Nov 25	0.75 Yr.
Venus Ahuja	1 Nov 25	0.75 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	1.78%
Other	98.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹6,263 Cr	521,478,692 ↑ 6,803,176
Treps CBLO/Reverse Repo \| -	0%	₹28 Cr
Net Current Assets Net Current Assets \| -	0%	-₹25 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

Upper mid AUM (₹11,019 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.70% (upper mid).
3Y return: 31.95% (upper mid).
1Y return: 42.66% (lower mid).
1M return: -2.53% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.28 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding HDFC Gold ETF (~100.0%).
Top-3 holdings concentration ~100.3%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund Growth
Launch Date	24 Oct 11
NAV (03 Aug 26)	₹42.117 ↑ 0.06 (0.15 %)
Net Assets (Cr)	₹11,019 on 30 Jun 26
Category	Gold - Gold
AMC	HDFC Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.49
Sharpe Ratio	1.28
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 Jul 21	₹10,000
31 Jul 22	₹10,458
31 Jul 23	₹12,010
31 Jul 24	₹13,961
31 Jul 25	₹19,359
31 Jul 26	₹27,490

HDFC Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Jul 26

Duration	Returns
1 Month	-2.5%
3 Month	-5.1%
6 Month	-6.7%
1 Year	42.7%
3 Year	31.9%
5 Year	22.7%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	71.3%
2023	18.9%
2022	14.1%
2021	12.7%
2020	-5.5%
2019	27.5%
2018	21.7%
2017	6.6%
2016	2.8%
2015	10.1%

Fund Manager information for HDFC Gold Fund

Name	Since	Tenure
Arun Agarwal	15 Feb 23	3.46 Yr.
Nandita Menezes	29 Mar 25	1.34 Yr.

Data below for HDFC Gold Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	1.39%
Other	98.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	100%	₹11,019 Cr	920,080,937 ↑ 7,410,000
Treps - Tri-Party Repo CBLO/Reverse Repo \| -	0%	₹16 Cr
Net Current Assets Net Current Assets \| -	0%	-₹16 Cr

5. 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 (₹6,854 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.65% (lower mid).
3Y return: 31.91% (upper mid).
1Y return: 42.54% (bottom quartile).
1M return: -2.55% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.19 (bottom quartile).
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 (03 Aug 26)	₹53.9306 ↑ 0.07 (0.13 %)
Net Assets (Cr)	₹6,854 on 30 Jun 26
Category	Gold - Gold
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.35
Sharpe Ratio	1.19
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 Jul 21	₹10,000
31 Jul 22	₹10,465
31 Jul 23	₹11,992
31 Jul 24	₹13,843
31 Jul 25	₹19,321
31 Jul 26	₹27,423

Nippon India Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Jul 26

Duration	Returns
1 Month	-2.6%
3 Month	-5.1%
6 Month	-6.5%
1 Year	42.5%
3 Year	31.9%
5 Year	22.6%
10 Year
15 Year
Since launch	11.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	71.2%
2023	19%
2022	14.3%
2021	12.3%
2020	-5.5%
2019	26.6%
2018	22.5%
2017	6%
2016	1.7%
2015	11.6%

Fund Manager information for Nippon India Gold Savings Fund

Name	Since	Tenure
Himanshu Mange	23 Dec 23	2.61 Yr.

Data below for Nippon India Gold Savings Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	1.49%
Other	98.51%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Nippon India ETF Gold BeES - \| -	100%	₹6,854 Cr	590,975,572 ↑ 3,912,000
Triparty Repo CBLO/Reverse Repo \| -	0%	₹18 Cr
Net Current Assets Net Current Assets \| -	0%	-₹18 Cr
Cash Margin - Ccil CBLO/Reverse Repo \| -	0%	₹0 Cr

6. 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 (₹757 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.73% (upper mid).
3Y return: 31.86% (lower mid).
1Y return: 42.14% (bottom quartile).
1M return: -2.37% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.22 (lower mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding LIC MF Gold ETF (~99.9%).
Top-3 holdings concentration ~100.9%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund Growth
Launch Date	14 Aug 12
NAV (03 Aug 26)	₹36.5645 ↑ 0.11 (0.31 %)
Net Assets (Cr)	₹757 on 30 Jun 26
Category	Gold - Gold
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.64
Sharpe Ratio	1.22
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 Jul 21	₹10,000
31 Jul 22	₹10,431
31 Jul 23	₹12,037
31 Jul 24	₹14,109
31 Jul 25	₹19,450
31 Jul 26	₹27,534

IDBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Jul 26

Duration	Returns
1 Month	-2.4%
3 Month	-4.9%
6 Month	-6.3%
1 Year	42.1%
3 Year	31.9%
5 Year	22.7%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	79%
2023	18.7%
2022	14.8%
2021	12%
2020	-4%
2019	24.2%
2018	21.6%
2017	5.8%
2016	1.4%
2015	8.3%

Fund Manager information for IDBI Gold Fund

Name	Since	Tenure
Sumit Bhatnagar	1 Jun 24	2.16 Yr.
Sasikant Aravamuthan	1 Jul 26	0.08 Yr.

Data below for IDBI Gold Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	1.82%
Other	98.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC MF Gold ETF - \| -	100%	₹757 Cr	59,884,200 ↑ 1,110,000
Treps CBLO/Reverse Repo \| -	1%	₹4 Cr
Net Receivables / (Payables) CBLO \| -	0%	-₹4 Cr

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 (₹1,648 Cr).
Established history (14+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 22.55% (lower mid).
3Y return: 31.86% (lower mid).
1Y return: 42.90% (upper mid).
1M return: -2.50% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.20 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Aditya BSL Gold ETF (~100.0%).
Top-3 holdings concentration ~100.5%.

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 (03 Aug 26)	₹40.9749 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹1,648 on 30 Jun 26
Category	Gold - Gold
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.51
Sharpe Ratio	1.2
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 Jul 21	₹10,000
31 Jul 22	₹10,548
31 Jul 23	₹12,046
31 Jul 24	₹13,896
31 Jul 25	₹19,398
31 Jul 26	₹27,564

Aditya Birla Sun Life Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Jul 26

Duration	Returns
1 Month	-2.5%
3 Month	-5%
6 Month	-6.4%
1 Year	42.9%
3 Year	31.9%
5 Year	22.5%
10 Year
15 Year
Since launch	10.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	72%
2023	18.7%
2022	14.5%
2021	12.3%
2020	-5%
2019	26%
2018	21.3%
2017	6.8%
2016	1.6%
2015	11.5%

Fund Manager information for Aditya Birla Sun Life Gold Fund

Name	Since	Tenure
Mehul Dama	7 Jul 26	0.07 Yr.
Priya Sridhar	31 Dec 24	1.58 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	1.47%
Other	98.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	100%	₹1,648 Cr	133,583,381 ↑ 507,000
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹4 Cr
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	0%	₹4 Cr

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 (₹6,422 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.45% (bottom quartile).
3Y return: 31.85% (bottom quartile).
1Y return: 42.92% (upper mid).
1M return: -2.54% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.38 (top quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~99.9%).
Top-3 holdings concentration ~100.4%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (03 Aug 26)	₹54.1751 ↑ 0.10 (0.19 %)
Net Assets (Cr)	₹6,422 on 30 Jun 26
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	1.38
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 Jul 21	₹10,000
31 Jul 22	₹10,434
31 Jul 23	₹11,908
31 Jul 24	₹13,751
31 Jul 25	₹19,186
31 Jul 26	₹27,240

Kotak Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Jul 26

Duration	Returns
1 Month	-2.5%
3 Month	-5.2%
6 Month	-6.3%
1 Year	42.9%
3 Year	31.8%
5 Year	22.4%
10 Year
15 Year
Since launch	11.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	70.4%
2023	18.9%
2022	13.9%
2021	11.7%
2020	-4.7%
2019	26.6%
2018	24.1%
2017	7.3%
2016	2.5%
2015	10.2%

Fund Manager information for Kotak Gold Fund

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	15.36 Yr.
Jeetu Sonar	1 Oct 22	3.83 Yr.

Data below for Kotak Gold Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	1.48%
Other	98.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹6,413 Cr	547,838,125 ↑ 5,300,000
Triparty Repo CBLO/Reverse Repo \| -	0%	₹23 Cr
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹13 Cr

9. 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 (₹2,828 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.78% (top quartile).
3Y return: 31.84% (bottom quartile).
1Y return: 42.66% (lower mid).
1M return: -3.00% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.35 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~100.1%).
Top-3 holdings concentration ~100.6%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (03 Aug 26)	₹41.0149 ↑ 0.09 (0.22 %)
Net Assets (Cr)	₹2,828 on 30 Jun 26
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	1.35
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 Jul 21	₹10,000
31 Jul 22	₹10,512
31 Jul 23	₹12,108
31 Jul 24	₹14,013
31 Jul 25	₹19,436
31 Jul 26	₹27,568

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Jul 26

Duration	Returns
1 Month	-3%
3 Month	-5.2%
6 Month	-6.6%
1 Year	42.7%
3 Year	31.8%
5 Year	22.8%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Axis Gold Fund

Name	Since	Tenure
Aditya Pagaria	9 Nov 21	4.73 Yr.
Pratik Tibrewal	1 Feb 25	1.49 Yr.

Data below for Axis Gold Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	1.76%
Other	98.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹2,830 Cr	242,317,058 ↑ 3,630,000
Net Receivables / (Payables) CBLO \| -	0%	-₹9 Cr
Clearing Corporation Of India Ltd CBLO \| -	0%	₹7 Cr

10. Invesco India Mid Cap Fund

The Scheme seeks to provide long term capital appreciation by investing in a portfolio that is predominantly constituted of equity and equity related instruments of mid cap companies. However, there can be no assurance that the funds objectives will be achieved.

Research Highlights for Invesco India Mid Cap Fund

Top quartile AUM (₹13,767 Cr).
Oldest track record among peers (19 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.38% (bottom quartile).
3Y return: 25.34% (bottom quartile).
1Y return: 13.87% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.19 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Prestige Estates Projects Ltd (~7.1%).

Below is the key information for Invesco India Mid Cap Fund

Invesco India Mid Cap Fund Growth
Launch Date	19 Apr 07
NAV (03 Aug 26)	₹201.74 ↑ 4.02 (2.03 %)
Net Assets (Cr)	₹13,767 on 30 Jun 26
Category	Equity - Mid Cap
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.82
Sharpe Ratio	0.19
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 Jul 21	₹10,000
31 Jul 22	₹10,219
31 Jul 23	₹12,600
31 Jul 24	₹19,551
31 Jul 25	₹21,829
31 Jul 26	₹24,059

Invesco India Mid Cap 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 Invesco India Mid Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26

Duration	Returns
1 Month	1.6%
3 Month	12.7%
6 Month	13.8%
1 Year	13.9%
3 Year	25.3%
5 Year	19.4%
10 Year
15 Year
Since launch	16.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.3%
2023	43.1%
2022	34.1%
2021	0.5%
2020	43.1%
2019	24.4%
2018	3.8%
2017	-5.3%
2016	44.3%
2015	1.1%

Fund Manager information for Invesco India Mid Cap Fund

Name	Since	Tenure
Aditya Khemani	9 Nov 23	2.73 Yr.

Data below for Invesco India Mid Cap Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	28.81%
Consumer Cyclical	19.95%
Health Care	17.65%
Industrials	13.86%
Real Estate	9.67%
Technology	3.8%
Basic Materials	3.66%
Utility	1.97%

Asset Allocation

Asset Class	Value
Cash	0.63%
Equity	99.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Prestige Estates Projects Ltd (Real Estate) Equity, Since 30 Nov 23 \| PRESTIGE	7%	₹976 Cr	6,236,588 ↑ 939,982
The Federal Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| FEDERALBNK	6%	₹768 Cr	23,278,440 ↑ 974,308
BSE Ltd (Financial Services) Equity, Since 31 Dec 23 \| BSE	5%	₹699 Cr	1,809,521
AU Small Finance Bank Ltd (Financial Services) Equity, Since 31 Jul 25 \| 540611	4%	₹616 Cr	5,936,790
Meesho Ltd (Consumer Cyclical) Equity, Since 30 Jun 26 \| MEESHO	4%	₹615 Cr	31,970,414 ↑ 31,970,414
Global Health Ltd (Healthcare) Equity, Since 30 Nov 23 \| MEDANTA	4%	₹601 Cr	4,577,395
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 31 Dec 22 \| MAXHEALTH	4%	₹592 Cr	5,241,044
InterGlobe Aviation Ltd (Industrials) Equity, Since 30 Apr 24 \| INDIGO	4%	₹575 Cr	1,071,057 ↓ -115,381
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| ETERNAL	4%	₹544 Cr	20,552,364 ↓ -1,614,338
L&T Finance Ltd (Financial Services) Equity, Since 31 Dec 23 \| LTF	4%	₹524 Cr	16,854,973

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