Top Gold Funds Rated by FINCASH for 2025 - 2026

Updated on February 12, 2026 , 1021 views

Gold as an investment has emerged as an important Asset Class in most portfolios. Historically, it has proven its ability to grow with Inflation and protect the Portfolio from Volatility caused due to a financial and economic crisis. Today, Gold Investment is available in many forms such as- physical gold, E-Gold, etc. But, Gold Funds have emerged as one of the most popular routes for gold investments due to its various advantages like liquidity, minimal investment amount, etc. So, let’s have a close look at some of the Best Gold Mutual Funds to invest in 2025.

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Top Rated Gold Mutual Funds

Fund	NAV	Net Assets (Cr)	Rating	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)	Information Ratio	Sharpe Ratio
HDFC Gold Fund Growth	₹45.3859 ↓ -0.87	₹8,501	☆	19.8	51.3	74.8	37	24.6	71.3	0	4.39
Kotak Gold Fund Growth	₹58.3993 ↓ -1.04	₹5,213	☆	19.7	51.3	74.9	36.7	24.4	70.4	0	4.63
SBI Gold Fund Growth	₹44.489 ↓ -0.87	₹10,775	☆☆	19.9	51.6	75.6	37.2	24.9	71.5	0	4.38
ICICI Prudential Regular Gold Savings Fund Growth	₹47.0218 ↓ -0.97	₹4,482	☆	19.7	51.3	75.1	37	24.7	72	0	4.33
Aditya Birla Sun Life Gold Fund Growth	₹44.2787 ↓ -0.70	₹1,266	☆☆☆	19.8	51.6	75.4	37.2	24.4	72	0	4.49
Axis Gold Fund Growth	₹44.0864 ↓ -0.97	₹2,167	☆	19	51	73.8	36.6	24.7	69.8	0	4.36
IDBI Gold Fund Growth	₹39.3486 ↓ -0.90	₹623	Not Rated	19.3	50.6	73.1	36.7	24.8	79	0	4.3
Invesco India Gold Fund Growth	₹42.4134 ↓ -0.69	₹341	☆☆☆	19.6	49.7	72.4	36.4	23.7	69.6	0	4.43
Nippon India Gold Savings Fund Growth	₹58.0764 ↓ -1.11	₹5,301	☆☆	19.5	51.2	74.8	36.8	24.6	71.2	0	4.46
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Feb 26
Note: Ratio's shown as on 31 Dec 25

Research Highlights & Commentary of 9 Funds showcased

Commentary	HDFC Gold Fund	Kotak Gold Fund	SBI Gold Fund	ICICI Prudential Regular Gold Savings Fund	Aditya Birla Sun Life Gold Fund	Axis Gold Fund	IDBI Gold Fund	Invesco India Gold Fund	Nippon India Gold Savings Fund
Point 1	Top quartile AUM (₹8,501 Cr).	Upper mid AUM (₹5,213 Cr).	Highest AUM (₹10,775 Cr).	Lower mid AUM (₹4,482 Cr).	Bottom quartile AUM (₹1,266 Cr).	Lower mid AUM (₹2,167 Cr).	Bottom quartile AUM (₹623 Cr).	Bottom quartile AUM (₹341 Cr).	Upper mid AUM (₹5,301 Cr).
Point 2	Oldest track record among peers (14 yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.	Rating: 3★ (top quartile).	Rating: 2★ (upper mid).
Point 4	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: 24.60% (lower mid).	5Y return: 24.39% (bottom quartile).	5Y return: 24.87% (top quartile).	5Y return: 24.71% (upper mid).	5Y return: 24.45% (bottom quartile).	5Y return: 24.66% (upper mid).	5Y return: 24.78% (top quartile).	5Y return: 23.72% (bottom quartile).	5Y return: 24.60% (lower mid).
Point 6	3Y return: 37.01% (upper mid).	3Y return: 36.68% (bottom quartile).	3Y return: 37.21% (top quartile).	3Y return: 36.95% (upper mid).	3Y return: 37.16% (top quartile).	3Y return: 36.65% (bottom quartile).	3Y return: 36.72% (lower mid).	3Y return: 36.37% (bottom quartile).	3Y return: 36.85% (lower mid).
Point 7	1Y return: 74.77% (lower mid).	1Y return: 74.87% (upper mid).	1Y return: 75.59% (top quartile).	1Y return: 75.08% (upper mid).	1Y return: 75.37% (top quartile).	1Y return: 73.75% (bottom quartile).	1Y return: 73.12% (bottom quartile).	1Y return: 72.37% (bottom quartile).	1Y return: 74.76% (lower mid).
Point 8	1M return: 8.17% (lower mid).	1M return: 8.52% (top quartile).	1M return: 8.39% (upper mid).	1M return: 8.18% (lower mid).	1M return: 8.61% (top quartile).	1M return: 7.96% (bottom quartile).	1M return: 7.74% (bottom quartile).	1M return: 6.19% (bottom quartile).	1M return: 8.30% (upper mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (top quartile).	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).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 4.39 (lower mid).	Sharpe: 4.63 (top quartile).	Sharpe: 4.38 (lower mid).	Sharpe: 4.33 (bottom quartile).	Sharpe: 4.49 (top quartile).	Sharpe: 4.36 (bottom quartile).	Sharpe: 4.30 (bottom quartile).	Sharpe: 4.43 (upper mid).	Sharpe: 4.46 (upper mid).

HDFC Gold Fund

Top quartile AUM (₹8,501 Cr).
Oldest track record among peers (14 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.60% (lower mid).
3Y return: 37.01% (upper mid).
1Y return: 74.77% (lower mid).
1M return: 8.17% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: 4.39 (lower mid).

Kotak Gold Fund

Upper mid AUM (₹5,213 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.39% (bottom quartile).
3Y return: 36.68% (bottom quartile).
1Y return: 74.87% (upper mid).
1M return: 8.52% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 4.63 (top quartile).

SBI Gold Fund

Highest AUM (₹10,775 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.87% (top quartile).
3Y return: 37.21% (top quartile).
1Y return: 75.59% (top quartile).
1M return: 8.39% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 4.38 (lower mid).

ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹4,482 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.71% (upper mid).
3Y return: 36.95% (upper mid).
1Y return: 75.08% (upper mid).
1M return: 8.18% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 4.33 (bottom quartile).

Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹1,266 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 24.45% (bottom quartile).
3Y return: 37.16% (top quartile).
1Y return: 75.37% (top quartile).
1M return: 8.61% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 4.49 (top quartile).

Axis Gold Fund

Lower mid AUM (₹2,167 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.66% (upper mid).
3Y return: 36.65% (bottom quartile).
1Y return: 73.75% (bottom quartile).
1M return: 7.96% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 4.36 (bottom quartile).

IDBI Gold Fund

Bottom quartile AUM (₹623 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.78% (top quartile).
3Y return: 36.72% (lower mid).
1Y return: 73.12% (bottom quartile).
1M return: 7.74% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 4.30 (bottom quartile).

Invesco India Gold Fund

Bottom quartile AUM (₹341 Cr).
Established history (14+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 23.72% (bottom quartile).
3Y return: 36.37% (bottom quartile).
1Y return: 72.37% (bottom quartile).
1M return: 6.19% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 4.43 (upper mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹5,301 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.60% (lower mid).
3Y return: 36.85% (lower mid).
1Y return: 74.76% (lower mid).
1M return: 8.30% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 4.46 (upper mid).

Why Are These Top Performers?

Fincash has employed the following parameters for shortlisting the top performing funds:

Past Returns: Return analysis of last 3 years
Parameters & Weights: Information ratio with some modifications for our ratings and rankings
Qualitative & Quantitative Analysis: Quantitative measures like Expense Ratio, Sharpe Ratio, Sortino Ratio, including fund age and the size of the fund has been considered. Qualitative analysis like the reputation of the fund along with the fund manager is one of the important parameters that you would see in the listed funds.
Asset Size: The minimum AUM criteria for gold funds are INR 100 Crores with some exceptions at times for new funds that are doing well in the Market.
Performance with Respect to Benchmark: Peer average

Smart Tips to Invest in Gold Funds

Some of the important tips to consider while Investing in Gold funds are:

Investment Tenure: Investors planning to invest in gold funds should stay invested for minimum 2 years.
Invest via a SIP: SIP or Systematic Investment plan is the most efficient way to invest in a Mutual Fund. They not only provide a systematic way of Investing, but also ensures regular investment growth. You can invest in a SIP with an amount as low as INR 500.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.