सिंगापूरमधील अनिवासी भारतीयांनी भारतातील म्युच्युअल फंडाची निवड कशी करावी?

Updated on September 13, 2025 , 5776 views

अनेक वर्षांपासून 5 टक्क्यांहून अधिक GDP वाढीसह भारत ही जगातील सर्वात वेगाने वाढणारी अर्थव्यवस्था आहे, त्यामुळे ते परदेशातील हजारो NRI गुंतवणूकदारांना आकर्षित करते. जगबँक आणि IMF ने 2018 आणि 2019 मध्ये भारताचा GDP अनुक्रमे 7.4 टक्के आणि 7.8 टक्के वाढण्याचा अंदाज व्यक्त केला आहे. सध्या भारत जगातील पाचव्या क्रमांकाचा देश आहेअर्थव्यवस्था $2.7 ट्रिलियन GDP वर.

सिंगापूरमध्ये राहणारे अनिवासी भारतीय (एनआरआय) त्यांच्या गुंतवणुकीची योजना करू शकतातम्युच्युअल फंड भारत दीर्घकाळात इष्टतम परतावा मिळवण्यासाठी. सिंगापूरस्थित अनिवासी भारतीय म्युच्युअल फंडांद्वारे भारतातील समभागांमध्ये गुंतवणूक करू शकतातगुंतवणूक मध्येइक्विटी फंड. तुमची उद्दिष्टे असल्यास इक्विटी दीर्घकालीन गुंतवणुकीसाठी आदर्श आहेतसेवानिवृत्ती, घर खरेदी करणे किंवा तुम्हाला फक्त संपत्ती निर्माण करायची असेल तर हे फंड एक आदर्श पर्याय असू शकतात. आणि जर तुम्हाला बँक बचत खात्यांपेक्षा जास्त परतावा मिळवायचा असेल तर अल्प मुदतीसाठी डेट फंडात गुंतवणूक करण्याचा सल्ला दिला जातो. गुंतवणूक करण्यापूर्वी, एखाद्याने नेहमी त्यांच्या जोखीम क्षमतेत प्रवेश केला पाहिजे.

2025 पर्यंत भारतीय अर्थव्यवस्थेचा आकार दुप्पट होऊन $5 ट्रिलियनपर्यंत जाण्याची अपेक्षा आहे. तसेच, यूएस कृषी विभागाच्या अहवालानुसार भारत 2030 पर्यंत $6.6 ट्रिलियनची तिसरी सर्वात मोठी अर्थव्यवस्था बनणार आहे.

सिंगापूरस्थित अनिवासी भारतीय ज्यांना हवे आहेम्युच्युअल फंडात गुंतवणूक करा भारतात काही महत्त्वाची मार्गदर्शक तत्त्वे आणि नियम आहेत ज्यांची गुंतवणूक सुरू करण्यासाठी त्यांचे पालन करणे आवश्यक आहे.

सिंगापूरमध्ये राहणाऱ्या अनिवासी भारतीयांसाठी खाती

भारतात म्युच्युअल फंडामध्ये गुंतवणूक करण्यासाठी खालीलपैकी कोणतेही खाते भारतीय बँकेत उघडणे आवश्यक आहे:

NRE खाते

हे अनिवासी बाह्य (NRE) खाते आहे जे बचत, चालू, निश्चित किंवाआवर्ती ठेव. तुम्हाला या खात्यात परकीय चलन जमा करावे लागेल. भारतीय चलन जमा करण्यास सक्षम होण्यासाठी, तुम्ही NRO खाते उघडणे आवश्यक आहे. NRE खात्यातील व्यवहाराच्या रकमेवर कोणतीही कमाल मर्यादा नाही.

NRO खाते

एनआरओ किंवा अनिवासी सामान्य खाते बचत किंवा चालू खात्याच्या स्वरूपात आहे जे अनिवासी भारतीयांना त्यांचे व्यवस्थापन करण्यासाठी आहेउत्पन्न भारतात कमावले. एनआरओ खात्यात, परकीय चलन जमा झाल्यानंतर त्याचे भारतीय रुपयात रूपांतर होते. एनआरओ खाते दुसऱ्या अनिवासी भारतीय तसेच निवासी भारतीय (जवळचे नातेवाईक) यांच्यासोबत संयुक्तपणे ठेवता येते.

FCNR खाते

याचा अर्थ परकीय चलन नॉन-रिपेट्रिएबल खाते ठेवी. या खात्यात अनिवासी भारतीय त्यांचे पैसे पाठवू शकतातकमाई कॅनेडियन $, US$, युरो, AU$, येन आणि पाउंड सारख्या सहा चलनांपैकी एकात. इतर FCNR किंवा NRE खात्यांमधून निधी हस्तांतरित केला जाऊ शकतो. FCNR मध्ये, मुद्दल आणि व्याज कोणताही कर जमा करत नाही.

एकदा तुम्ही यापैकी कोणतेही खाते उघडल्यानंतर, तुम्हाला तुमचे KYC (तुमच्या ग्राहकाला जाणून घ्या) यशस्वीरित्या पूर्ण करणे आवश्यक आहे, KYC नियमांनुसार, जे सेट केले आहे.सेबी (भारतीय सिक्युरिटीज एक्सचेंज बोर्ड). कोणीही सेबी-नोंदणीकृत इंटरमीडिएटसह त्यांचे केवायसी पूर्ण करू शकतो.

म्युच्युअल फंडामध्ये गुंतवणूक करण्यासाठी सिंगापूर अनिवासी भारतीयांसाठी KYC प्रक्रिया

तुमची केवायसी प्रक्रिया यशस्वीपणे पूर्ण करण्यासाठी, सिंगापूर अनिवासी भारतीयांना काही महत्त्वाच्या पायऱ्या पूर्ण करणे आणि कागदपत्रे सादर करणे आवश्यक आहे जसे की:

a केवायसी फॉर्म

एनआरआयने सबमिट करणे आवश्यक आहेकेवायसी फॉर्म SEBI नोंदणीकृत इंटरमीडिएटमध्ये भरलेल्या सर्व आवश्यक तपशीलांसह. दस्तऐवज कुरियर / पोस्टाने इंटरमीडिएटला पाठवले जाऊ शकतात.

b कागदपत्रे

खालील आवश्यक कागदपत्रे सादर करणे आवश्यक आहे:

परदेशात पत्ता पुरावा
भारतीय रहिवासी पत्ता पुरावा
अलीकडचे छायाचित्र
पासपोर्टची प्रत

मर्चंट नेव्हीमधील अनिवासी भारतीयांच्या बाबतीत, नाविकाची घोषणा किंवा सतत डिस्चार्ज प्रमाणपत्राची प्रमाणित प्रत सबमिट करणे आवश्यक आहे.

वि. प्रमाणपत्र

एनआरआय किंवा पीआयओ (भारतीय मूळ व्यक्ती) वरील कागदपत्रे भारतात नोंदणीकृत अनुसूचित व्यावसायिक बँकांच्या परदेशातील शाखांचे अधिकृत अधिकारी, न्यायाधीश, न्यायालयीन दंडाधिकारी, सार्वजनिक नोटरी किंवा देशातील भारतीय दूतावास/वाणिज्य दूतावास जनरल यांच्याकडून प्रमाणित करून घेऊ शकतात. स्थित आहेत.

d वैयक्तिक पडताळणीमध्ये (IPV)

सेबीच्या नियमांनुसार, केवायसी प्रक्रियेसाठी IPV अनिवार्य आहे. इंटरमीडिएटने एनआरआय/पीआयओचे आयपीव्ही केले पाहिजे.

कृपया लक्षात घ्या की सबमिट करताना वरील सर्व कागदपत्रे/पुरावे इंग्रजी भाषेत असावेत.

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अनिवासी भारतीय (NRI) साठी म्युच्युअल फंड कर आकारणी

भांडवल आर्थिक वर्ष 2017-18 (आकलन वर्ष 2018-19) साठी NRI म्युच्युअल फंड गुंतवणुकीवरील लाभ कर दर खालीलप्रमाणे आहेत:

अनिवासी भारतीयम्युच्युअल फंडांवर कर आकारणी-भांडवली नफा कर दर- आर्थिक वर्ष 2017/2018 (AY- 2018-19)

म्युच्युअल फंड योजनेचे प्रकार	शॉर्ट टर्म कॅपिटल गेन (STCG)	दीर्घकालीन भांडवली नफा (LTCG)
इक्विटी फंड- एसटीसीजी- एका वर्षापेक्षा कमी किंवा त्यापेक्षा कमी ठेवलेल्या युनिट्स, एलटीसीजी- एक वर्षापेक्षा जास्त ठेवलेल्या युनिट्स	१५%	शून्य
नॉन-इक्विटी फंड- STCG- 3 वर्षे किंवा त्यापेक्षा कमी कालावधीसाठी ठेवलेल्या युनिट्स, LTCG- 3 वर्षांहून अधिक काळ ठेवलेल्या युनिट्स	व्यक्तीनुसारआयकर कंस	सूचीबद्ध निधीवर - 20% (इंडेक्सेशनसह), असूचीबद्ध फंड- 10% (इंडेक्सेशनशिवाय)

लाभांशांवर म्युच्युअल फंड कर आकारणी

इक्विटी फंडांवर लाभांश: इक्विटी फंडासाठी युनिटधारकाच्या हातात मिळणारा लाभांश पूर्णपणे करमुक्त असतो. लाभांश देखील करमुक्त आहेAMC.
कर्ज निधीवर लाभांश: AMC ला लाभांश वितरण कर (DDT) 28.84% त्याच्या युनिट-धारकांना हे लाभांश उत्पन्न वितरित करण्यापूर्वी भरावे लागेल. लाभांश मिळकत अकर्ज निधी युनिट धारक देखील करमुक्त आहे.

खाली AY 2018-19 साठी अनिवासी भारतीयांकडून MF विमोचनांवर लागू होणारा TDS दर आहे.

म्युच्युअल फंडांवर एनआरआय कर- भांडवली नफा कर दर- आर्थिक वर्ष 2017/2018 (AY- 2018-19)

अनिवासी भारतीय आणि टीडीएस दरानुसार म्युच्युअल फंड विमोचन	STCG आणि TDS दर	LTCG आणि TDS दर
MF योजनेचा प्रकार
इक्विटी ओरिएंटेड फंड	१५%	शून्य
कर्ज निधी	३०%	सूचीबद्ध फंडांवर- 20% (इंडेक्सेशनसह), असूचीबद्ध फंड- 10% (इंडेक्सेशनशिवाय)

सिंगापूर-आधारित अनिवासी भारतीयांसाठी सर्वोत्तम म्युच्युअल फंड

Fund	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)	Sub Cat.
Franklin India Short Term Income Plan - Retail Plan Growth	192.1	192.1	192.1	47.3	32.5		Short term Bond
DSP World Gold Fund Growth	27.9	61.6	81.3	45.7	12.6	15.9	Global
SBI PSU Fund Growth	-0.7	14	-3.7	28.3	30.4	23.5	Sectoral
IDBI Gold Fund Growth	9.4	24.6	47.3	28.3	15	18.7	Gold
SBI Gold Fund Growth	9.5	24.9	47	28.2	14.7	19.6	Gold
HDFC Gold Fund Growth	9.3	25	47	28.1	14.5	18.9	Gold
Franklin India Opportunities Fund Growth	5	20.5	0.3	28.1	28.7	37.3	Sectoral
Invesco India PSU Equity Fund Growth	-0.8	19.9	-4.2	28.1	27.9	25.6	Sectoral
ICICI Prudential Regular Gold Savings Fund Growth	9.1	24.8	47.1	28	14.5	19.5	Gold
Nippon India Gold Savings Fund Growth	9.3	24.6	47	27.9	14.4	19	Gold
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 May 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Short Term Income Plan - Retail Plan	DSP World Gold Fund	SBI PSU Fund	IDBI Gold Fund	SBI Gold Fund	HDFC Gold Fund	Franklin India Opportunities Fund	Invesco India PSU Equity Fund	ICICI Prudential Regular Gold Savings Fund	Nippon India Gold Savings Fund
Point 1	Bottom quartile AUM (₹13 Cr).	Bottom quartile AUM (₹1,212 Cr).	Top quartile AUM (₹5,278 Cr).	Bottom quartile AUM (₹214 Cr).	Upper mid AUM (₹4,740 Cr).	Upper mid AUM (₹4,537 Cr).	Highest AUM (₹7,376 Cr).	Lower mid AUM (₹1,391 Cr).	Lower mid AUM (₹2,384 Cr).	Upper mid AUM (₹3,248 Cr).
Point 2	Established history (23+ yrs).	Established history (18+ yrs).	Established history (15+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (13+ yrs).	Oldest track record among peers (25 yrs).	Established history (15+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).
Point 3	Rating: 2★ (upper mid).	Top rated.	Rating: 2★ (upper mid).	Not Rated.	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 3★ (top quartile).	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	1Y return: 192.10% (top quartile).	5Y return: 12.59% (bottom quartile).	5Y return: 30.36% (top quartile).	5Y return: 14.99% (upper mid).	5Y return: 14.66% (lower mid).	5Y return: 14.47% (bottom quartile).	5Y return: 28.66% (upper mid).	5Y return: 27.95% (upper mid).	5Y return: 14.48% (lower mid).	5Y return: 14.40% (bottom quartile).
Point 6	1M return: 192.10% (top quartile).	3Y return: 45.75% (top quartile).	3Y return: 28.33% (upper mid).	3Y return: 28.29% (upper mid).	3Y return: 28.24% (upper mid).	3Y return: 28.09% (lower mid).	3Y return: 28.06% (lower mid).	3Y return: 28.06% (bottom quartile).	3Y return: 27.98% (bottom quartile).	3Y return: 27.85% (bottom quartile).
Point 7	Sharpe: -90.89 (bottom quartile).	1Y return: 81.31% (top quartile).	1Y return: -3.66% (bottom quartile).	1Y return: 47.33% (upper mid).	1Y return: 46.97% (lower mid).	1Y return: 47.03% (upper mid).	1Y return: 0.35% (bottom quartile).	1Y return: -4.17% (bottom quartile).	1Y return: 47.13% (upper mid).	1Y return: 46.97% (lower mid).
Point 8	Information ratio: -2.42 (bottom quartile).	Alpha: 2.80 (top quartile).	Alpha: 0.19 (upper mid).	1M return: 9.74% (upper mid).	1M return: 9.38% (upper mid).	1M return: 9.33% (upper mid).	Alpha: 1.79 (upper mid).	Alpha: 5.70 (top quartile).	1M return: 9.26% (lower mid).	1M return: 9.32% (lower mid).
Point 9	Yield to maturity (debt): 0.00% (top quartile).	Sharpe: 1.56 (lower mid).	Sharpe: -0.78 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Sharpe: -0.30 (lower mid).	Sharpe: -0.57 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Modified duration: 0.00 yrs (top quartile).	Information ratio: -0.56 (bottom quartile).	Information ratio: -0.27 (lower mid).	Sharpe: 2.25 (upper mid).	Sharpe: 2.53 (top quartile).	Sharpe: 2.50 (upper mid).	Information ratio: 1.83 (top quartile).	Information ratio: -0.30 (bottom quartile).	Sharpe: 2.50 (top quartile).	Sharpe: 2.48 (upper mid).

Franklin India Short Term Income Plan - Retail Plan

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

DSP World Gold Fund

Bottom quartile AUM (₹1,212 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 12.59% (bottom quartile).
3Y return: 45.75% (top quartile).
1Y return: 81.31% (top quartile).
Alpha: 2.80 (top quartile).
Sharpe: 1.56 (lower mid).
Information ratio: -0.56 (bottom quartile).

SBI PSU Fund

Top quartile AUM (₹5,278 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 30.36% (top quartile).
3Y return: 28.33% (upper mid).
1Y return: -3.66% (bottom quartile).
Alpha: 0.19 (upper mid).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.27 (lower mid).

IDBI Gold Fund

Bottom quartile AUM (₹214 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.99% (upper mid).
3Y return: 28.29% (upper mid).
1Y return: 47.33% (upper mid).
1M return: 9.74% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.25 (upper mid).

SBI Gold Fund

Upper mid AUM (₹4,740 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.66% (lower mid).
3Y return: 28.24% (upper mid).
1Y return: 46.97% (lower mid).
1M return: 9.38% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.53 (top quartile).

HDFC Gold Fund

Upper mid AUM (₹4,537 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.47% (bottom quartile).
3Y return: 28.09% (lower mid).
1Y return: 47.03% (upper mid).
1M return: 9.33% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.50 (upper mid).

Franklin India Opportunities Fund

Highest AUM (₹7,376 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 28.66% (upper mid).
3Y return: 28.06% (lower mid).
1Y return: 0.35% (bottom quartile).
Alpha: 1.79 (upper mid).
Sharpe: -0.30 (lower mid).
Information ratio: 1.83 (top quartile).

Invesco India PSU Equity Fund

Lower mid AUM (₹1,391 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.95% (upper mid).
3Y return: 28.06% (bottom quartile).
1Y return: -4.17% (bottom quartile).
Alpha: 5.70 (top quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: -0.30 (bottom quartile).

ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹2,384 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.48% (lower mid).
3Y return: 27.98% (bottom quartile).
1Y return: 47.13% (upper mid).
1M return: 9.26% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.50 (top quartile).

Nippon India Gold Savings Fund

Upper mid AUM (₹3,248 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.40% (bottom quartile).
3Y return: 27.85% (bottom quartile).
1Y return: 46.97% (lower mid).
1M return: 9.32% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.48 (upper mid).

*निधीची यादी मागील ३ वर्षांच्या रिटर्न्सवर उतरत्या क्रमाने आधारित आहे.

1. Franklin India Short Term Income Plan - Retail Plan

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

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

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

Below is the key information for Franklin India Short Term Income Plan - Retail Plan

Franklin India Short Term Income Plan - Retail Plan Growth
Launch Date	31 Jan 02
NAV (02 May 25)	₹15,041.3 ↑ 0.11 (0.00 %)
Net Assets (Cr)	₹13 on 31 Mar 25
Category	Debt - Short term Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	0
Sharpe Ratio	-90.89
Information Ratio	-2.42
Alpha Ratio	-6.74
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (0.5%),1 Years and above(NIL)
Yield to Maturity	0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹11,291
31 Aug 22	₹13,279
31 Aug 23	₹14,459
31 Aug 24	₹14,459

Franklin India Short Term Income Plan - Retail Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹287,982.
Net Profit of ₹107,982 Invest Now

Purchase not allowed

Returns for Franklin India Short Term Income Plan - Retail Plan

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

Duration	Returns
1 Month	192.1%
3 Month	192.1%
6 Month	192.1%
1 Year	192.1%
3 Year	47.3%
5 Year	32.5%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Franklin India Short Term Income Plan - Retail Plan

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. DSP World Gold Fund

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

Research Highlights for DSP World Gold Fund

Bottom quartile AUM (₹1,212 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 12.59% (bottom quartile).
3Y return: 45.75% (top quartile).
1Y return: 81.31% (top quartile).
Alpha: 2.80 (top quartile).
Sharpe: 1.56 (lower mid).
Information ratio: -0.56 (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 (15 Sep 25)	₹40.8713 ↓ -0.05 (-0.11 %)
Net Assets (Cr)	₹1,212 on 31 Jul 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.56
Information Ratio	-0.56
Alpha Ratio	2.8
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 ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for DSP World Gold Fund

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

Duration	Returns
1 Month	20.5%
3 Month	27.9%
6 Month	61.6%
1 Year	81.3%
3 Year	45.7%
5 Year	12.6%
10 Year
15 Year
Since launch	8.1%

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 Jul 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

3. 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 (₹5,278 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 30.36% (top quartile).
3Y return: 28.33% (upper mid).
1Y return: -3.66% (bottom quartile).
Alpha: 0.19 (upper mid).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.27 (lower mid).
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 (16 Sep 25)	₹31.8749 ↑ 0.20 (0.63 %)
Net Assets (Cr)	₹5,278 on 31 Jul 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.78
Information Ratio	-0.27
Alpha Ratio	0.19
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 ₹642,208.
Net Profit of ₹342,208 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 2 May 25

Duration	Returns
1 Month	1.6%
3 Month	-0.7%
6 Month	14%
1 Year	-3.7%
3 Year	28.3%
5 Year	30.4%
10 Year
15 Year
Since launch	7.9%

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 Jul 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

4. 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 (₹214 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.99% (upper mid).
3Y return: 28.29% (upper mid).
1Y return: 47.33% (upper mid).
1M return: 9.74% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.25 (upper mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding LIC MF Gold ETF (~99.6%).
Top-3 holdings concentration ~103.4%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund Growth
Launch Date	14 Aug 12
NAV (16 Sep 25)	₹28.9513 ↑ 0.31 (1.08 %)
Net Assets (Cr)	₹214 on 31 Jul 25
Category	Gold - Gold
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.64
Sharpe Ratio	2.25
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 Aug 20	₹10,000
31 Aug 21	₹9,083
31 Aug 22	₹9,811
31 Aug 23	₹11,188
31 Aug 24	₹13,451
31 Aug 25	₹18,828

IDBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for IDBI Gold Fund

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

Duration	Returns
1 Month	9.7%
3 Month	9.4%
6 Month	24.6%
1 Year	47.3%
3 Year	28.3%
5 Year	15%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.7%
2023	14.8%
2022	12%
2021	-4%
2020	24.2%
2019	21.6%
2018	5.8%
2017	1.4%
2016	8.3%
2015	-8.7%

Fund Manager information for IDBI Gold Fund

Name	Since	Tenure
Sumit Bhatnagar	1 Jun 24	1.25 Yr.

Data below for IDBI Gold Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	1.2%
Other	98.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC MF Gold ETF - \| -	100%	₹213 Cr	238,594 ↑ 39,400
Treps CBLO/Reverse Repo \| -	2%	₹5 Cr
Net Receivables / (Payables) Net Current Assets \| -	2%	-₹4 Cr

5. SBI Gold Fund

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

Research Highlights for SBI Gold Fund

Upper mid AUM (₹4,740 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.66% (lower mid).
3Y return: 28.24% (upper mid).
1Y return: 46.97% (lower mid).
1M return: 9.38% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.53 (top quartile).
Information ratio: 0.00 (upper mid).
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 (16 Sep 25)	₹32.5237 ↑ 0.45 (1.41 %)
Net Assets (Cr)	₹4,740 on 31 Jul 25
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	2.53
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 ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for SBI Gold Fund

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

Duration	Returns
1 Month	9.4%
3 Month	9.5%
6 Month	24.9%
1 Year	47%
3 Year	28.2%
5 Year	14.7%
10 Year
15 Year
Since launch	8.7%

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 Jul 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

6. 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 (₹4,537 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.47% (bottom quartile).
3Y return: 28.09% (lower mid).
1Y return: 47.03% (upper mid).
1M return: 9.33% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.50 (upper 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 (16 Sep 25)	₹33.2312 ↑ 0.46 (1.41 %)
Net Assets (Cr)	₹4,537 on 31 Jul 25
Category	Gold - Gold
AMC	HDFC Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.49
Sharpe Ratio	2.5
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 ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for HDFC Gold Fund

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

Duration	Returns
1 Month	9.3%
3 Month	9.3%
6 Month	25%
1 Year	47%
3 Year	28.1%
5 Year	14.5%
10 Year
15 Year
Since launch	8.9%

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
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 Jul 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

7. 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

Highest AUM (₹7,376 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 28.66% (upper mid).
3Y return: 28.06% (lower mid).
1Y return: 0.35% (bottom quartile).
Alpha: 1.79 (upper mid).
Sharpe: -0.30 (lower mid).
Information ratio: 1.83 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~5.6%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (15 Sep 25)	₹258.71 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹7,376 on 31 Jul 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.3
Information Ratio	1.83
Alpha Ratio	1.79
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	₹16,290
31 Aug 22	₹16,765
31 Aug 23	₹21,341
31 Aug 24	₹35,884
31 Aug 25	₹35,247

Franklin India Opportunities 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 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 2 May 25

Duration	Returns
1 Month	3.5%
3 Month	5%
6 Month	20.5%
1 Year	0.3%
3 Year	28.1%
5 Year	28.7%
10 Year
15 Year
Since launch	13.6%

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
Kiran Sebastian	7 Feb 22	3.57 Yr.
R. Janakiraman	1 Apr 13	12.43 Yr.
Sandeep Manam	18 Oct 21	3.87 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	19.78%
Consumer Cyclical	18.45%
Health Care	14.12%
Technology	11.61%
Basic Materials	9.22%
Communication Services	5.73%
Energy	5.1%
Industrials	4.14%
Utility	2.87%
Consumer Defensive	1.83%
Real Estate	0.84%

Asset Allocation

Asset Class	Value
Cash	6.31%
Equity	93.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 24 \| HDFCBANK	6%	₹413 Cr	2,043,971
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	5%	₹376 Cr	2,707,279 ↓ -331,689
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532215	4%	₹315 Cr	2,950,277
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	4%	₹294 Cr	9,548,090 ↓ -582,172
Mphasis Ltd (Technology) Equity, Since 30 Nov 24 \| 526299	3%	₹227 Cr	814,231 ↑ 103,698
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	3%	₹222 Cr	1,158,502 ↓ -183,731
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 25 \| MARUTI	3%	₹214 Cr	169,582
NTPC Ltd (Utilities) Equity, Since 31 Aug 22 \| 532555	3%	₹212 Cr	6,333,312
Sudarshan Chemical Industries Ltd (Basic Materials) Equity, Since 30 Apr 24 \| SUDARSCHEM	3%	₹206 Cr	1,435,340
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹204 Cr	637,966

8. 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

Lower mid AUM (₹1,391 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.95% (upper mid).
3Y return: 28.06% (bottom quartile).
1Y return: -4.17% (bottom quartile).
Alpha: 5.70 (top quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: -0.30 (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 (16 Sep 25)	₹63.72 ↑ 0.49 (0.77 %)
Net Assets (Cr)	₹1,391 on 31 Jul 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	-0.57
Information Ratio	-0.3
Alpha Ratio	5.7
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 ₹598,181.
Net Profit of ₹298,181 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 2 May 25

Duration	Returns
1 Month	2%
3 Month	-0.8%
6 Month	19.9%
1 Year	-4.2%
3 Year	28.1%
5 Year	27.9%
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
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 Jul 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

9. 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 (₹2,384 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.48% (lower mid).
3Y return: 27.98% (bottom quartile).
1Y return: 47.13% (upper mid).
1M return: 9.26% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.50 (top quartile).
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 (16 Sep 25)	₹34.5245 ↑ 0.58 (1.72 %)
Net Assets (Cr)	₹2,384 on 31 Jul 25
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	2.5
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 ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for ICICI Prudential Regular Gold Savings Fund

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

Duration	Returns
1 Month	9.3%
3 Month	9.1%
6 Month	24.8%
1 Year	47.1%
3 Year	28%
5 Year	14.5%
10 Year
15 Year
Since launch	9.2%

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 Jul 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

10. 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 (₹3,248 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.40% (bottom quartile).
3Y return: 27.85% (bottom quartile).
1Y return: 46.97% (lower mid).
1M return: 9.32% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.48 (upper mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Nippon India ETF Gold BeES (~100.0%).
Top-3 holdings concentration ~100.5%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund Growth
Launch Date	7 Mar 11
NAV (16 Sep 25)	₹42.5778 ↑ 0.62 (1.48 %)
Net Assets (Cr)	₹3,248 on 31 Jul 25
Category	Gold - Gold
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.35
Sharpe Ratio	2.48
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 ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Nippon India Gold Savings Fund

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

Duration	Returns
1 Month	9.3%
3 Month	9.3%
6 Month	24.6%
1 Year	47%
3 Year	27.9%
5 Year	14.4%
10 Year
15 Year
Since launch	10.4%

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 Jul 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

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