+91-22-4891390910، 20 سالہ سرمایہ کاری 2022 کے لیے 10 بہترین SIP پلان
بہترین SIP پلانز? ان کا انتخاب کیسے کریں؟ یہ کچھ عام سوالات ہیں جو سوچتے وقت سرمایہ کاروں کے ذہن میں آتے ہیں۔میوچل فنڈز میں سرمایہ کاری ایک کے ذریعےگھونٹ یا منظمسرمایہ کاری کا منصوبہ.SIP سرمایہ کاری سب سے زیادہ نظم و ضبط میں سے ایک ہےسرمایہ کاری میں سرمایہ کاری کرتے وقت اختیاراتباہمی چندہ.
مزید یہ کہ، SIP میوچل فنڈ میں سرمایہ کاری کی کم از کم رقم INR 500 سے کم ہے۔ اس سے سرمایہ کاری ہوتی ہے۔ٹاپ ایس آئی پی بہت آسان منصوبے.
آپ کو ایس آئی پی یا سیسٹیمیٹک انویسٹمنٹ پلان میں کیوں سرمایہ کاری کرنی چاہئے؟
میں سے کچھسرمایہ کاری کے فوائد ایک SIP میں ہیں:
کمپاؤنڈنگ کی طاقت
منظم سرمایہ کاری کے منصوبے بھی اس کا فائدہ پیش کرتے ہیں۔کمپاؤنڈنگ کی طاقت. سادہ سود تب ہوتا ہے جب آپ صرف اصل پر سود حاصل کرتے ہیں۔ مرکب سود کی صورت میں، سود کی رقم پرنسپل میں شامل کی جاتی ہے، اور سود کا حساب نئے پرنسپل (پرانے پرنسپل کے علاوہ منافع) پر کیا جاتا ہے۔ یہ عمل ہر بار جاری رہتا ہے۔ چونکہ ایس آئی پی میں میوچل فنڈز قسطوں میں ہوتے ہیں، اس لیے وہ کمپاؤنڈ ہوتے ہیں، جو ابتدائی طور پر لگائی گئی رقم میں مزید اضافہ کرتے ہیں۔
روپے کی لاگت کا اوسط
سب سے بڑا فائدہ جو ایک منظم سرمایہ کاری کا منصوبہ پیش کرتا ہے وہ روپیہ لاگت کا اوسط ہے جو کسی فرد کو اثاثہ کی خریداری کی قیمت کا اوسط نکالنے میں مدد کرتا ہے۔ میوچل فنڈ میں یکمشت سرمایہ کاری کرتے وقت ایک مخصوص تعداد میں یونٹ خریدے جاتے ہیں۔سرمایہ کار سب ایک ساتھ، ایس آئی پی کی صورت میں یونٹس کی خریداری ایک طویل مدت میں کی جاتی ہے اور یہ ماہانہ وقفوں (عام طور پر) پر یکساں طور پر پھیلی ہوئی ہیں۔ سرمایہ کاری وقت کے ساتھ پھیل جانے کی وجہ سے، سرمایہ کاری اسٹاک میں کی جاتی ہے۔مارکیٹ مختلف قیمت پوائنٹس پر سرمایہ کار کو اوسط لاگت کا فائدہ دیتا ہے، لہذا اصطلاح روپیہ لاگت کا اوسط۔
استطاعت
عوام کے لیے بچت شروع کرنے کے لیے SIPs ایک بہت ہی سستا آپشن ہے کیونکہ ہر قسط کے لیے درکار کم از کم رقم (وہ بھی ماہانہ!) INR 500 تک کم ہو سکتی ہے۔ کچھ میوچل فنڈ کمپنیاں کچھ ایسی پیشکش بھی کرتی ہیں جنہیںمائیکرو ایس آئی پی جہاں ٹکٹ کا سائز 100 روپے تک کم ہے۔
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خطرے میں کمی
یہ دیکھتے ہوئے کہ ایک منظم سرمایہ کاری کا منصوبہ طویل عرصے پر محیط ہے، کوئی اسٹاک مارکیٹ کے تمام ادوار، اتار چڑھاؤ اور اس سے بھی اہم طور پر مندی کو پکڑتا ہے۔ مندی میں، جب خوف زیادہ تر سرمایہ کاروں کو پکڑتا ہے، SIP کی قسطیں سرمایہ کاروں کی خریداری کو یقینی بناتی رہتی ہیں۔کم.
مالی سال 22 - 23 میں 10، 20 سالہ سرمایہ کاری کے لیے بہترین SIP پلان
To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments. Research Highlights for ICICI Prudential Infrastructure Fund Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on 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 Below is the key information for SBI PSU Fund Returns up to 1 year are on 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 Below is the key information for SBI Gold Fund Returns up to 1 year are on To generate returns that closely correspond to returns generated by Axis Gold ETF. Research Highlights for Axis Gold Fund Below is the key information for Axis Gold Fund Returns up to 1 year are on 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 Below is the key information for Aditya Birla Sun Life Gold Fund Returns up to 1 year are on 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 Below is the key information for ICICI Prudential Regular Gold Savings Fund Returns up to 1 year are on 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 Below is the key information for IDBI Gold Fund Returns up to 1 year are on To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF). Research Highlights for HDFC Gold Fund Below is the key information for HDFC Gold Fund Returns up to 1 year are on The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. Research Highlights for LIC MF Infrastructure Fund Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on 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 Below is the key information for Nippon India Gold Savings Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) ICICI Prudential Infrastructure Fund Growth ₹202.51
↑ 0.83 ₹8,550 100 1.1 5.4 4.6 18.4 23 6.7 SBI PSU Fund Growth ₹34.3228
↑ 0.27 ₹6,684 500 -4.4 -1.7 9.6 22.4 22.9 11.3 SBI Gold Fund Growth ₹41.2688
↓ -0.10 ₹15,294 500 -5.3 -11.5 42.4 32 22.6 71.5 Axis Gold Fund Growth ₹40.9229
↓ -0.11 ₹2,828 1,000 -5.5 -9.5 41.8 31.6 22.5 69.8 Aditya Birla Sun Life Gold Fund Growth ₹40.9668
↓ -0.05 ₹1,648 100 -5 -13.8 42.1 31.8 22.5 72 ICICI Prudential Regular Gold Savings Fund Growth ₹43.6106
↓ -0.07 ₹6,265 100 -5.3 -13.2 42.2 32 22.5 72 IDBI Gold Fund Growth ₹36.4518
↓ -0.04 ₹757 500 -5.2 -14.8 41.6 31.8 22.5 79 HDFC Gold Fund Growth ₹42.056
↓ -0.09 ₹11,019 300 -5.2 -11.4 42 31.8 22.4 71.3 LIC MF Infrastructure Fund Growth ₹54.5662
↑ 0.75 ₹1,137 1,000 5.3 14.5 9.8 24.5 22.4 -3.7 Nippon India Gold Savings Fund Growth ₹53.8626
↓ -0.12 ₹6,854 100 -5.2 -13.8 41.9 31.7 22.4 71.2 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 ICICI Prudential Infrastructure Fund SBI PSU Fund SBI Gold Fund Axis Gold Fund Aditya Birla Sun Life Gold Fund ICICI Prudential Regular Gold Savings Fund IDBI Gold Fund HDFC Gold Fund LIC MF Infrastructure Fund Nippon India Gold Savings Fund Point 1 Upper mid AUM (₹8,550 Cr). Upper mid AUM (₹6,684 Cr). Highest AUM (₹15,294 Cr). Lower mid AUM (₹2,828 Cr). Bottom quartile AUM (₹1,648 Cr). Lower mid AUM (₹6,265 Cr). Bottom quartile AUM (₹757 Cr). Top quartile AUM (₹11,019 Cr). Bottom quartile AUM (₹1,137 Cr). Upper mid AUM (₹6,854 Cr). Point 2 Oldest track record among peers (20 yrs). Established history (16+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (13+ yrs). Established history (14+ yrs). Established history (18+ yrs). Established history (15+ yrs). Point 3 Top rated. Rating: 2★ (upper mid). Rating: 2★ (upper mid). Rating: 1★ (lower mid). Rating: 3★ (top quartile). Rating: 1★ (lower mid). Not Rated. Rating: 1★ (bottom quartile). Not Rated. Rating: 2★ (upper mid). Point 4 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: High. Risk profile: Moderately High. Point 5 5Y return: 22.96% (top quartile). 5Y return: 22.88% (top quartile). 5Y return: 22.65% (upper mid). 5Y return: 22.48% (upper mid). 5Y return: 22.48% (upper mid). 5Y return: 22.46% (lower mid). 5Y return: 22.45% (lower mid). 5Y return: 22.42% (bottom quartile). 5Y return: 22.40% (bottom quartile). 5Y return: 22.36% (bottom quartile). Point 6 3Y return: 18.40% (bottom quartile). 3Y return: 22.37% (bottom quartile). 3Y return: 32.03% (top quartile). 3Y return: 31.56% (lower mid). 3Y return: 31.78% (upper mid). 3Y return: 31.98% (top quartile). 3Y return: 31.76% (upper mid). 3Y return: 31.79% (upper mid). 3Y return: 24.50% (bottom quartile). 3Y return: 31.75% (lower mid). Point 7 1Y return: 4.59% (bottom quartile). 1Y return: 9.60% (bottom quartile). 1Y return: 42.41% (top quartile). 1Y return: 41.84% (lower mid). 1Y return: 42.10% (upper mid). 1Y return: 42.17% (top quartile). 1Y return: 41.56% (lower mid). 1Y return: 42.00% (upper mid). 1Y return: 9.79% (bottom quartile). 1Y return: 41.93% (upper mid). Point 8 Alpha: 0.00 (top quartile). Alpha: -0.30 (bottom quartile). 1M return: 1.02% (top quartile). 1M return: 0.97% (upper mid). 1M return: 0.98% (upper mid). 1M return: 0.97% (upper mid). 1M return: 0.77% (lower mid). 1M return: 1.01% (top quartile). Alpha: 8.41 (top quartile). 1M return: 0.96% (lower mid). Point 9 Sharpe: -0.07 (bottom quartile). Sharpe: 0.12 (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). Sharpe: 0.22 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Information ratio: 0.00 (top quartile). Information ratio: -0.11 (bottom quartile). Sharpe: 1.29 (top quartile). Sharpe: 1.35 (top quartile). Sharpe: 1.20 (lower mid). Sharpe: 1.22 (upper mid). Sharpe: 1.22 (upper mid). Sharpe: 1.28 (upper mid). Information ratio: 0.58 (top quartile). Sharpe: 1.19 (lower mid). ICICI Prudential Infrastructure Fund
SBI PSU Fund
SBI Gold Fund
Axis Gold Fund
Aditya Birla Sun Life Gold Fund
ICICI Prudential Regular Gold Savings Fund
IDBI Gold Fund
HDFC Gold Fund
LIC MF Infrastructure Fund
Nippon India Gold Savings Fund
سی اے جی آر 5 سال سے زیادہ کی واپسی اور فنڈ جس میں کم از کم 5 سال کی مارکیٹ ہسٹری (فنڈ کی عمر) ہو اور کم از کم ہو۔500 کروڑ انتظام کے تحت اثاثہ.1. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (31 Jul 26) ₹202.51 ↑ 0.83 (0.41 %) Net Assets (Cr) ₹8,550 on 30 Jun 26 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio -0.07 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 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 ₹11,961 31 Jul 23 ₹16,935 31 Jul 24 ₹27,533 31 Jul 25 ₹26,878 31 Jul 26 ₹28,111 Returns for ICICI Prudential Infrastructure Fund
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 1.1% 6 Month 5.4% 1 Year 4.6% 3 Year 18.4% 5 Year 23% 10 Year 15 Year Since launch 15.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 27.4% 2022 44.6% 2021 28.8% 2020 50.1% 2019 3.6% 2018 2.6% 2017 -14% 2016 40.8% 2015 2% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 9.08 Yr. Sharmila D’mello 30 Jun 22 4.01 Yr. Data below for ICICI Prudential Infrastructure Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Industrials 47.57% Financial Services 10.57% Utility 10.32% Basic Materials 9.74% Real Estate 8.09% Energy 5.04% Consumer Cyclical 1.98% Communication Services 0.09% Asset Allocation
Asset Class Value Cash 5.83% Equity 94.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO9% ₹745 Cr 1,691,985
↑ 50,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT7% ₹614 Cr 1,505,704 Oberoi Realty Ltd (Real Estate)
Equity, Since 31 May 23 | OBEROIRLTY4% ₹365 Cr 2,139,426 Gujarat Energy Ltd (Utilities)
Equity, Since 31 Jan 23 | GUJGASLTD4% ₹340 Cr 8,482,024
↑ 156,557 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | NTPC4% ₹334 Cr 8,626,448 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | SHREECEM3% ₹270 Cr 106,892
↑ 3,387 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹262 Cr 2,005,608 AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG3% ₹258 Cr 572,697 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK3% ₹250 Cr 3,357,506
↑ 1,057,506 Container Corporation of India Ltd (Industrials)
Equity, Since 31 Jan 16 | CONCOR3% ₹227 Cr 4,885,153 2. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (31 Jul 26) ₹34.3228 ↑ 0.27 (0.79 %) Net Assets (Cr) ₹6,684 on 30 Jun 26 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.12 Information Ratio -0.11 Alpha Ratio -0.3 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 ₹10,878 31 Jul 23 ₹15,287 31 Jul 24 ₹28,684 31 Jul 25 ₹25,557 31 Jul 26 ₹28,011 Returns for SBI PSU Fund
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 -4.4% 6 Month -1.7% 1 Year 9.6% 3 Year 22.4% 5 Year 22.9% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.3% 2023 23.5% 2022 54% 2021 29% 2020 32.4% 2019 -10% 2018 6% 2017 -23.8% 2016 21.9% 2015 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 2.08 Yr. Data below for SBI PSU Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Financial Services 32.54% Utility 31.22% Industrials 14.07% Energy 11.97% Basic Materials 6.94% Asset Allocation
Asset Class Value Cash 3.18% Equity 96.74% Debt 0.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN17% ₹1,112 Cr 11,527,500
↑ 1,000,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | GAIL10% ₹628 Cr 38,150,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | NTPC9% ₹597 Cr 15,443,244 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹583 Cr 14,185,000
↑ 800,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | POWERGRID9% ₹579 Cr 19,935,554 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | ONGC6% ₹389 Cr 14,655,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | BANKBARODA5% ₹352 Cr 13,100,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | BPCL4% ₹289 Cr 9,700,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Jun 25 | BHEL4% ₹271 Cr 6,500,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | NMDC4% ₹245 Cr 27,900,000 3. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (31 Jul 26) ₹41.2688 ↓ -0.10 (-0.24 %) 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 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 1% 3 Month -5.3% 6 Month -11.5% 1 Year 42.4% 3 Year 32% 5 Year 22.6% 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 0.33 Yr. Data below for SBI Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.64% Other 98.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -100% ₹16,542 Cr 1,246,686,194
↑ 13,950,000 Net Receivable / Payable
CBLO | -0% -₹55 Cr Treps
CBLO/Reverse Repo | -0% ₹45 Cr 4. Axis Gold Fund
Axis Gold Fund
Growth Launch Date 20 Oct 11 NAV (31 Jul 26) ₹40.9229 ↓ -0.11 (-0.27 %) 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 Returns for Axis Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 1% 3 Month -5.5% 6 Month -9.5% 1 Year 41.8% 3 Year 31.6% 5 Year 22.5% 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 4.64 Yr. Pratik Tibrewal 1 Feb 25 1.41 Yr. Data below for Axis Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.81% Other 98.19% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Gold ETF
- | -100% ₹3,091 Cr 238,687,058
↑ 2,659,572 Clearing Corporation Of India Ltd
CBLO | -0% ₹6 Cr Net Receivables / (Payables)
CBLO | -0% -₹5 Cr 5. Aditya Birla Sun Life Gold Fund
Aditya Birla Sun Life Gold Fund
Growth Launch Date 20 Mar 12 NAV (31 Jul 26) ₹40.9668 ↓ -0.05 (-0.13 %) 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 Returns for Aditya Birla Sun Life Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 1% 3 Month -5% 6 Month -13.8% 1 Year 42.1% 3 Year 31.8% 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 Priya Sridhar 31 Dec 24 1.5 Yr. Data below for Aditya Birla Sun Life Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.57% Other 98.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya BSL Gold ETF
- | -100% ₹1,821 Cr 133,076,381
↑ 939,171 Clearing Corporation Of India Limited
CBLO/Reverse Repo | -0% ₹5 Cr Net Receivables / (Payables)
Net Current Assets | -0% -₹4 Cr 6. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (31 Jul 26) ₹43.6106 ↓ -0.07 (-0.16 %) 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 Returns for ICICI Prudential Regular Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 1% 3 Month -5.3% 6 Month -13.2% 1 Year 42.2% 3 Year 32% 5 Year 22.5% 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 13.77 Yr. Nishit Patel 29 Dec 20 5.51 Yr. Ashwini Bharucha 1 Nov 25 0.66 Yr. Venus Ahuja 1 Nov 25 0.66 Yr. Data below for ICICI Prudential Regular Gold Savings Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.86% Other 98.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -100% ₹6,851 Cr 514,675,516
↑ 10,666,563 Treps
CBLO/Reverse Repo | -0% ₹22 Cr Net Current Assets
Net Current Assets | -0% -₹18 Cr 7. IDBI Gold Fund
IDBI Gold Fund
Growth Launch Date 14 Aug 12 NAV (31 Jul 26) ₹36.4518 ↓ -0.04 (-0.12 %) Net Assets (Cr) ₹757 on 30 Jun 26 Category Gold - Gold AMC IDBI Asset Management Limited Rating 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 Returns for IDBI Gold Fund
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 -5.2% 6 Month -14.8% 1 Year 41.6% 3 Year 31.8% 5 Year 22.5% 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 2.08 Yr. Data below for IDBI Gold Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.65% Other 98.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC MF Gold ETF
- | -100% ₹823 Cr 58,774,200
↑ 705,000 Treps
CBLO/Reverse Repo | -0% ₹3 Cr Net Receivables / (Payables)
CBLO | -0% -₹2 Cr 8. HDFC Gold Fund
HDFC Gold Fund
Growth Launch Date 24 Oct 11 NAV (31 Jul 26) ₹42.056 ↓ -0.09 (-0.22 %) 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 Returns for HDFC Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 1% 3 Month -5.2% 6 Month -11.4% 1 Year 42% 3 Year 31.8% 5 Year 22.4% 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 3.38 Yr. Nandita Menezes 29 Mar 25 1.26 Yr. Data below for HDFC 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 HDFC Gold ETF
- | -100% ₹12,121 Cr 912,670,937
↑ 12,580,000 Treps - Tri-Party Repo
CBLO/Reverse Repo | -0% ₹17 Cr Net Current Assets
Net Current Assets | -0% -₹17 Cr 9. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (31 Jul 26) ₹54.5662 ↑ 0.75 (1.39 %) Net Assets (Cr) ₹1,137 on 30 Jun 26 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio 0.22 Information Ratio 0.58 Alpha Ratio 8.41 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 ₹11,519 31 Jul 23 ₹14,236 31 Jul 24 ₹26,350 31 Jul 25 ₹25,021 31 Jul 26 ₹27,470 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month -0.9% 3 Month 5.3% 6 Month 14.5% 1 Year 9.8% 3 Year 24.5% 5 Year 22.4% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.7% 2023 47.8% 2022 44.4% 2021 7.9% 2020 46.6% 2019 -0.1% 2018 13.3% 2017 -14.6% 2016 42.2% 2015 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Sumit Bhatnagar 7 Apr 26 0.23 Yr. Mahesh Bendre 1 Jul 24 2 Yr. Data below for LIC MF Infrastructure Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Industrials 37.05% Consumer Cyclical 20.88% Basic Materials 12.42% Utility 11.88% Communication Services 5.02% Financial Services 3.98% Real Estate 1.97% Health Care 1.89% Technology 1.08% Asset Allocation
Asset Class Value Cash 3.82% Equity 96.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT4% ₹44 Cr 106,968
↓ -10,884 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006554% ₹40 Cr 65,325
↓ -7,684 Tata Motors Passenger Vehicles Ltd (Consumer Cyclical)
Equity, Since 28 Feb 26 | TMPV4% ₹39 Cr 982,891
↓ -332,760 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | TMCV4% ₹39 Cr 1,015,933
↑ 26,983 Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | TATAPOWER3% ₹36 Cr 861,040
↑ 524,312 KSH International Ltd (Industrials)
Equity, Since 31 Dec 25 | KSHINTL3% ₹34 Cr 432,816
↑ 6,280 Siemens Energy India Ltd (Utilities)
Equity, Since 31 Aug 25 | ENRIN3% ₹34 Cr 87,106
↑ 24,800 JSW Infrastructure Ltd (Industrials)
Equity, Since 30 Apr 26 | JSWINFRA3% ₹31 Cr 1,133,858
↑ 745,681 Carraro India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 24 | CARRARO3% ₹31 Cr 572,991 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jan 26 | BDL3% ₹29 Cr 242,954
↑ 157,744 10. Nippon India Gold Savings Fund
Nippon India Gold Savings Fund
Growth Launch Date 7 Mar 11 NAV (31 Jul 26) ₹53.8626 ↓ -0.12 (-0.22 %) 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 Returns for Nippon India Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26 Duration Returns 1 Month 1% 3 Month -5.2% 6 Month -13.8% 1 Year 41.9% 3 Year 31.7% 5 Year 22.4% 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 2.52 Yr. Data below for Nippon India Gold Savings Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 1.61% Other 98.39% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nippon India ETF Gold BeES
- | -100% ₹7,553 Cr 587,063,572
↑ 5,276,000 Triparty Repo
CBLO/Reverse Repo | -0% ₹13 Cr Net Current Assets
Net Current Assets | -0% -₹12 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr
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دستاویزات اپ لوڈ کریں (PAN، آدھار، وغیرہ)۔اور، آپ سرمایہ کاری کے لیے تیار ہیں!
اکثر پوچھے گئے سوالات
1. کیا میں اس وقت کا انتخاب کر سکتا ہوں جب رقم ڈیبٹ کی جائے گی؟
A: نہیں، وہ مدت جب رقم آپ سے ڈیبٹ کی جائے گی۔بینک اکاؤنٹ کا انحصار SIP پر ہوگا جس میں آپ نے سرمایہ کاری کرنے کا فیصلہ کیا ہے۔ آپ اس کا انتخاب کرسکتے ہیں۔SIP میں سرمایہ کاری کریں۔ ایک سال کی مدت کے لیے 10+ سال تک۔ SIP کی مدت پر منحصر ہے، رقم آپ کے اکاؤنٹ سے کاٹی جائے گی۔
2. کیا SIP کی مدت اور مدت ایک ہی چیز/مدت ہے؟
A: ہاں، وہ ایک جیسے ہیں۔ جب آپ پیشکش کی دستاویز کو پڑھتے ہیں، تو SIP کی اصطلاح کو احتیاط سے چیک کریں، کیونکہ یہ آپ کو بتائے گا کہ آپ کے اکاؤنٹ سے کتنی رقم کاٹی جائے گی۔ مدت کا انتخاب مکمل طور پر سرمایہ کار کا انتخاب ہے۔
3. کیا SIPs کی مدت کو تبدیل کیا جا سکتا ہے؟
A: اگر آپ نے ایک ایسا منصوبہ منتخب کیا ہے جو SIP کو لازمی قرار دیتا ہے، تو آپ کو اس مدت کو مکمل کرنا ہوگا۔ مدت کے بعد، آپ پوری رقم نکال سکتے ہیں۔ تاہم، اگر آپ سرمایہ کاری کی تجدید کرنا چاہتے ہیں، تو آپ مدت کو تبدیل کر سکتے ہیں اور مزید توسیع شدہ مینڈیٹ کے ساتھ ایک مختلف SIP منتخب کر سکتے ہیں۔
4. کیا میں SIPs کے لیے سرمایہ کاری کی رقم کو تبدیل کر سکتا ہوں؟
A: آپ لچکدار SIPs میں سرمایہ کاری کرنے کا انتخاب کر سکتے ہیں۔ یہ SIPs آپ کو رقم کی رقم کو تبدیل کرنے کی اجازت دیتے ہیں جو آپ سرمایہ کاری کی مدت کے دوران لگا سکتے ہیں۔ اپنے دورِ اقتدار کے دوران، آپ اپنی رقم کے لحاظ سے SIPs میں سرمایہ کاری کرنے کی رقم کو تبدیل کر سکتے ہیں۔نقد بہاؤ.
5. طویل مدتی SIPs کیا ہیں؟
A: ایک طویل مدتی SIP وہ ہوگا جس میں آپ تقریباً 5 سے 10 سال تک سرمایہ کاری کرتے ہیں۔ مثالی طور پر، طویل مدتی SIPs میں اچھا منافع دینے کے زیادہ امکانات ہوتے ہیں۔
6. کیا میں میعاد سے پہلے SIP سے باہر نکل سکتا ہوں؟
A: بہتر ہو گا کہ اگر آپ SIP کی مدت پوری کرنے سے پہلے اس سے دستبردار نہ ہوں۔ بعض اوقات سرمایہ کاری میں ایگزٹ بوجھ نہیں ہوتا ہے، لیکن یہ مکمل طور پر مخصوص SIP پر منحصر ہوتا ہے۔ اگر آپ کو اپنی سرمایہ کاری کے بارے میں یقین نہیں ہے، تو آپ کو ایک سال کے لیے صرف INR 500 کی سرمایہ کاری کرکے چھوٹی شروعات کرنی چاہیے۔ جیسے جیسے آپ کا خطرہ مول لینے کی بھوک بڑھتی ہے، آپ اپنی سرمایہ کاری بڑھا سکتے ہیں۔
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔
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Well explanation with indepth details.very inspirational information for investment in MF. Thanks.
Great! Informative SIP Thread. Very well covered and presented.