10، 20 سالہ سرمایہ کاری 2022 کے لیے 10 بہترین SIP پلان

Updated on November 7, 2026 , 234660 views

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

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
DSP World Gold Fund Growth	₹56.2847 ↑ 0.48	₹1,665	500	2.3	-6.6	32.2	50.7	26.7	167.1
SBI Gold Fund Growth	₹41.1259 ↑ 0.25	₹17,423	500	-5.4	-6.1	16.7	31.6	22.7	71.5
IDBI Gold Fund Growth	₹36.4068 ↑ 0.14	₹833	500	-5.2	-6.4	16.1	31.3	22.6	79
ICICI Prudential Regular Gold Savings Fund Growth	₹43.4848 ↑ 0.31	₹7,067	100	-5.4	-6.3	16.8	31.6	22.6	72
Axis Gold Fund Growth	₹40.804 ↑ 0.33	₹3,134	1,000	-5.7	-6.3	16.6	31.2	22.6	69.8
Invesco India Gold Fund Growth	₹39.6212 ↑ 0.29	₹507	500	-4.6	-5.4	16.9	31.2	22.6	69.6
Aditya Birla Sun Life Gold Fund Growth	₹40.8184 ↑ 0.14	₹1,805	100	-5.4	-6.2	16.6	31.5	22.5	72
HDFC Gold Fund Growth	₹41.9284 ↑ 0.25	₹12,013	300	-5.3	-6.2	16.5	31.3	22.5	71.3
Nippon India Gold Savings Fund Growth	₹53.7115 ↑ 0.30	₹7,353	100	-5.4	-6.1	16.5	31.4	22.5	71.2
Kotak Gold Fund Growth	₹53.9241 ↑ 0.43	₹6,996	1,000	-5.5	-6.2	16.7	31.2	22.2	70.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Nov 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	SBI Gold Fund	IDBI Gold Fund	ICICI Prudential Regular Gold Savings Fund	Axis Gold Fund	Invesco India Gold Fund	Aditya Birla Sun Life Gold Fund	HDFC Gold Fund	Nippon India Gold Savings Fund	Kotak Gold Fund
Point 1	Bottom quartile AUM (₹1,665 Cr).	Highest AUM (₹17,423 Cr).	Bottom quartile AUM (₹833 Cr).	Upper mid AUM (₹7,067 Cr).	Lower mid AUM (₹3,134 Cr).	Bottom quartile AUM (₹507 Cr).	Lower mid AUM (₹1,805 Cr).	Top quartile AUM (₹12,013 Cr).	Upper mid AUM (₹7,353 Cr).	Upper mid AUM (₹6,996 Cr).
Point 2	Oldest track record among peers (19 yrs).	Established history (15+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 2★ (upper mid).	Not Rated.	Rating: 1★ (lower mid).	Rating: 1★ (lower mid).	Rating: 3★ (top quartile).	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).
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: 26.71% (top quartile).	5Y return: 22.69% (top quartile).	5Y return: 22.63% (upper mid).	5Y return: 22.62% (upper mid).	5Y return: 22.60% (upper mid).	5Y return: 22.56% (lower mid).	5Y return: 22.55% (lower mid).	5Y return: 22.54% (bottom quartile).	5Y return: 22.46% (bottom quartile).	5Y return: 22.23% (bottom quartile).
Point 6	3Y return: 50.67% (top quartile).	3Y return: 31.63% (top quartile).	3Y return: 31.30% (lower mid).	3Y return: 31.60% (upper mid).	3Y return: 31.17% (bottom quartile).	3Y return: 31.24% (bottom quartile).	3Y return: 31.46% (upper mid).	3Y return: 31.34% (lower mid).	3Y return: 31.42% (upper mid).	3Y return: 31.22% (bottom quartile).
Point 7	1Y return: 32.18% (top quartile).	1Y return: 16.74% (upper mid).	1Y return: 16.05% (bottom quartile).	1Y return: 16.83% (upper mid).	1Y return: 16.63% (lower mid).	1Y return: 16.92% (top quartile).	1Y return: 16.64% (lower mid).	1Y return: 16.47% (bottom quartile).	1Y return: 16.54% (bottom quartile).	1Y return: 16.67% (upper mid).
Point 8	Alpha: 4.06 (top quartile).	1M return: -4.81% (upper mid).	1M return: -4.40% (top quartile).	1M return: -4.89% (bottom quartile).	1M return: -4.87% (bottom quartile).	1M return: -4.82% (lower mid).	1M return: -4.63% (upper mid).	1M return: -4.77% (upper mid).	1M return: -4.82% (lower mid).	1M return: -4.87% (bottom quartile).
Point 9	Sharpe: 0.67 (bottom quartile).	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).	Alpha: 0.00 (bottom quartile).
Point 10	Information ratio: -0.80 (bottom quartile).	Sharpe: 0.79 (upper mid).	Sharpe: 0.75 (lower mid).	Sharpe: 0.75 (lower mid).	Sharpe: 0.82 (upper mid).	Sharpe: 0.83 (top quartile).	Sharpe: 0.73 (bottom quartile).	Sharpe: 0.78 (upper mid).	Sharpe: 0.74 (bottom quartile).	Sharpe: 0.85 (top quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,665 Cr).
Oldest track record among peers (19 yrs).
Top rated.
Risk profile: High.
5Y return: 26.71% (top quartile).
3Y return: 50.67% (top quartile).
1Y return: 32.18% (top quartile).
Alpha: 4.06 (top quartile).
Sharpe: 0.67 (bottom quartile).
Information ratio: -0.80 (bottom quartile).

SBI Gold Fund

Highest AUM (₹17,423 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.69% (top quartile).
3Y return: 31.63% (top quartile).
1Y return: 16.74% (upper mid).
1M return: -4.81% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.79 (upper mid).

IDBI Gold Fund

Bottom quartile AUM (₹833 Cr).
Established history (14+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.63% (upper mid).
3Y return: 31.30% (lower mid).
1Y return: 16.05% (bottom quartile).
1M return: -4.40% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.75 (lower mid).

ICICI Prudential Regular Gold Savings Fund

Upper mid AUM (₹7,067 Cr).
Established history (15+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.62% (upper mid).
3Y return: 31.60% (upper mid).
1Y return: 16.83% (upper mid).
1M return: -4.89% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.75 (lower mid).

Axis Gold Fund

Lower mid AUM (₹3,134 Cr).
Established history (15+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.60% (upper mid).
3Y return: 31.17% (bottom quartile).
1Y return: 16.63% (lower mid).
1M return: -4.87% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.82 (upper mid).

Invesco India Gold Fund

Bottom quartile AUM (₹507 Cr).
Established history (14+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 22.56% (lower mid).
3Y return: 31.24% (bottom quartile).
1Y return: 16.92% (top quartile).
1M return: -4.82% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.83 (top quartile).

Aditya Birla Sun Life Gold Fund

Lower mid AUM (₹1,805 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.55% (lower mid).
3Y return: 31.46% (upper mid).
1Y return: 16.64% (lower mid).
1M return: -4.63% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.73 (bottom quartile).

HDFC Gold Fund

Top quartile AUM (₹12,013 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.54% (bottom quartile).
3Y return: 31.34% (lower mid).
1Y return: 16.47% (bottom quartile).
1M return: -4.77% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.78 (upper mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹7,353 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.46% (bottom quartile).
3Y return: 31.42% (upper mid).
1Y return: 16.54% (bottom quartile).
1M return: -4.82% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.74 (bottom quartile).

Kotak Gold Fund

Upper mid AUM (₹6,996 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.23% (bottom quartile).
3Y return: 31.22% (bottom quartile).
1Y return: 16.67% (upper mid).
1M return: -4.87% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.85 (top quartile).

*نیچے دیے گئے فنڈز بہترین سمجھے جارہے ہیں۔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. 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 (₹1,665 Cr).
Oldest track record among peers (19 yrs).
Top rated.
Risk profile: High.
5Y return: 26.71% (top quartile).
3Y return: 50.67% (top quartile).
1Y return: 32.18% (top quartile).
Alpha: 4.06 (top quartile).
Sharpe: 0.67 (bottom quartile).
Information ratio: -0.80 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~68.0%).
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 (06 Nov 26)	₹56.2847 ↑ 0.48 (0.86 %)
Net Assets (Cr)	₹1,665 on 30 Sep 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	0.67
Information Ratio	-0.8
Alpha Ratio	4.06
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 Oct 21	₹10,000
31 Oct 22	₹7,688
31 Oct 23	₹9,083
31 Oct 24	₹12,987
31 Oct 25	₹24,285
31 Oct 26	₹29,194

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 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 6 Nov 26

Duration	Returns
1 Month	-3.1%
3 Month	2.3%
6 Month	-6.6%
1 Year	32.2%
3 Year	50.7%
5 Year	26.7%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	167.1%
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.42 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	94.33%

Asset Allocation

Asset Class	Value
Cash	3.43%
Equity	94.62%
Debt	0.01%
Other	1.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	68%	₹1,133 Cr	958,135
VanEck Gold Miners ETF - \| GDX	29%	₹483 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	3%	₹50 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹1 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 (₹17,423 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.69% (top quartile).
3Y return: 31.63% (top quartile).
1Y return: 16.74% (upper mid).
1M return: -4.81% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.79 (upper mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.2%).
Top-3 holdings concentration ~100.9%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (09 Nov 26)	₹41.1259 ↑ 0.25 (0.60 %)
Net Assets (Cr)	₹17,423 on 30 Sep 26
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.33
Sharpe Ratio	0.79
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 Oct 21	₹10,000
31 Oct 22	₹10,409
31 Oct 23	₹12,506
31 Oct 24	₹16,043
31 Oct 25	₹23,974
31 Oct 26	₹27,533

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 6 Nov 26

Duration	Returns
1 Month	-4.8%
3 Month	-5.4%
6 Month	-6.1%
1 Year	16.7%
3 Year	31.6%
5 Year	22.7%
10 Year
15 Year
Since launch	9.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	71.5%
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%

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Viral Chhadva	1 Mar 26	0.59 Yr.

Data below for SBI Gold Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	1.5%
Other	98.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹17,451 Cr	1,389,274,664 ↑ 45,015,601
Net Receivable / Payable CBLO \| -	0%	-₹78 Cr
Treps CBLO/Reverse Repo \| -	0%	₹50 Cr

3. 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 (₹833 Cr).
Established history (14+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.63% (upper mid).
3Y return: 31.30% (lower mid).
1Y return: 16.05% (bottom quartile).
1M return: -4.40% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.75 (lower mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding LIC MF Gold ETF (~99.6%).
Top-3 holdings concentration ~100.2%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund Growth
Launch Date	14 Aug 12
NAV (09 Nov 26)	₹36.4068 ↑ 0.14 (0.39 %)
Net Assets (Cr)	₹833 on 30 Sep 26
Category	Gold - Gold
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.63
Sharpe Ratio	0.75
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 Oct 21	₹10,000
31 Oct 22	₹10,482
31 Oct 23	₹12,624
31 Oct 24	₹16,176
31 Oct 25	₹23,959
31 Oct 26	₹27,492

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 6 Nov 26

Duration	Returns
1 Month	-4.4%
3 Month	-5.2%
6 Month	-6.4%
1 Year	16.1%
3 Year	31.3%
5 Year	22.6%
10 Year
15 Year
Since launch	9.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	79%
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%

Fund Manager information for IDBI Gold Fund

Name	Since	Tenure
Sumit Bhatnagar	1 Jun 24	2.33 Yr.
Sasikant Aravamuthan	1 Jul 26	0.25 Yr.

Data below for IDBI Gold Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	2.13%
Other	97.87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC MF Gold ETF - \| -	100%	₹830 Cr	62,725,200 ↑ 976,000
Treps CBLO/Reverse Repo \| -	0%	₹4 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹1 Cr

4. 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

Upper mid AUM (₹7,067 Cr).
Established history (15+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.62% (upper mid).
3Y return: 31.60% (upper mid).
1Y return: 16.83% (upper mid).
1M return: -4.89% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.75 (lower mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding ICICI Pru Gold ETF (~100.0%).
Top-3 holdings concentration ~101.2%.

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 (09 Nov 26)	₹43.4848 ↑ 0.31 (0.73 %)
Net Assets (Cr)	₹7,067 on 30 Sep 26
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.47
Sharpe Ratio	0.75
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 Oct 21	₹10,000
31 Oct 22	₹10,384
31 Oct 23	₹12,439
31 Oct 24	₹15,973
31 Oct 25	₹23,796
31 Oct 26	₹27,359

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 6 Nov 26

Duration	Returns
1 Month	-4.9%
3 Month	-5.4%
6 Month	-6.3%
1 Year	16.8%
3 Year	31.6%
5 Year	22.6%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	72%
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%

Fund Manager information for ICICI Prudential Regular Gold Savings Fund

Name	Since	Tenure
Manish Banthia	27 Sep 12	14.02 Yr.
Nishit Patel	29 Dec 20	5.76 Yr.
Ashwini Bharucha	1 Nov 25	0.91 Yr.
Venus Ahuja	1 Nov 25	0.91 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.81%
Other	98.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹7,064 Cr	560,288,419 ↑ 17,773,475
Treps CBLO/Reverse Repo \| -	1%	₹47 Cr
Net Current Assets Net Current Assets \| -	1%	-₹44 Cr

5. 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 (₹3,134 Cr).
Established history (15+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.60% (upper mid).
3Y return: 31.17% (bottom quartile).
1Y return: 16.63% (lower mid).
1M return: -4.87% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.82 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~100.1%).
Top-3 holdings concentration ~100.5%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (09 Nov 26)	₹40.804 ↑ 0.33 (0.83 %)
Net Assets (Cr)	₹3,134 on 30 Sep 26
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.48
Sharpe Ratio	0.82
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 Oct 21	₹10,000
31 Oct 22	₹10,458
31 Oct 23	₹12,534
31 Oct 24	₹16,061
31 Oct 25	₹23,903
31 Oct 26	₹27,368

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 6 Nov 26

Duration	Returns
1 Month	-4.9%
3 Month	-5.7%
6 Month	-6.3%
1 Year	16.6%
3 Year	31.2%
5 Year	22.6%
10 Year
15 Year
Since launch	9.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	69.8%
2024	19.2%
2023	14.7%
2022	12.5%
2021	-4.7%
2020	26.9%
2019	23.1%
2018	8.3%
2017	0.7%
2016	10.7%

Fund Manager information for Axis Gold Fund

Name	Since	Tenure
Aditya Pagaria	9 Nov 21	4.9 Yr.
Pratik Tibrewal	1 Feb 25	1.66 Yr.

Data below for Axis Gold Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	1.76%
Other	98.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹3,136 Cr	256,005,579 ↑ 6,323,162
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹7 Cr
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	0%	₹6 Cr

6. Invesco India Gold Fund

To provide returns that closely corresponds to returns provided by Invesco India Gold Exchange Traded Fund.

Research Highlights for Invesco India Gold Fund

Bottom quartile AUM (₹507 Cr).
Established history (14+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 22.56% (lower mid).
3Y return: 31.24% (bottom quartile).
1Y return: 16.92% (top quartile).
1M return: -4.82% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.83 (top quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Invesco India Gold ETF (~95.3%).
Top-3 holdings concentration ~100.2%.

Below is the key information for Invesco India Gold Fund

Invesco India Gold Fund Growth
Launch Date	5 Dec 11
NAV (09 Nov 26)	₹39.6212 ↑ 0.29 (0.75 %)
Net Assets (Cr)	₹507 on 30 Sep 26
Category	Gold - Gold
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	0.83
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
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 Oct 21	₹10,000
31 Oct 22	₹10,398
31 Oct 23	₹12,431
31 Oct 24	₹15,974
31 Oct 25	₹23,600
31 Oct 26	₹27,185

Invesco India 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 Invesco India 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 6 Nov 26

Duration	Returns
1 Month	-4.8%
3 Month	-4.6%
6 Month	-5.4%
1 Year	16.9%
3 Year	31.2%
5 Year	22.6%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	69.6%
2024	18.8%
2023	14.5%
2022	12.8%
2021	-5.5%
2020	27.2%
2019	21.4%
2018	6.6%
2017	1.3%
2016	21.6%

Fund Manager information for Invesco India Gold Fund

Name	Since	Tenure
Abhisek Bahinipati	1 Nov 25	0.91 Yr.

Data below for Invesco India Gold Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	6.16%
Other	93.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Invesco India Gold ETF - \| -	95%	₹484 Cr	37,511,667 ↑ 389,212
Triparty Repo CBLO/Reverse Repo \| -	5%	₹24 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹1 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

Lower mid AUM (₹1,805 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.55% (lower mid).
3Y return: 31.46% (upper mid).
1Y return: 16.64% (lower mid).
1M return: -4.63% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Aditya BSL Gold ETF (~100.2%).
Top-3 holdings concentration ~101.3%.

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 (09 Nov 26)	₹40.8184 ↑ 0.14 (0.35 %)
Net Assets (Cr)	₹1,805 on 30 Sep 26
Category	Gold - Gold
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.51
Sharpe Ratio	0.73
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 Oct 21	₹10,000
31 Oct 22	₹10,360
31 Oct 23	₹12,413
31 Oct 24	₹15,888
31 Oct 25	₹23,647
31 Oct 26	₹27,288

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 6 Nov 26

Duration	Returns
1 Month	-4.6%
3 Month	-5.4%
6 Month	-6.2%
1 Year	16.6%
3 Year	31.5%
5 Year	22.5%
10 Year
15 Year
Since launch	10.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	72%
2024	18.7%
2023	14.5%
2022	12.3%
2021	-5%
2020	26%
2019	21.3%
2018	6.8%
2017	1.6%
2016	11.5%

Fund Manager information for Aditya Birla Sun Life Gold Fund

Name	Since	Tenure
Mehul Dama	7 Jul 26	0.24 Yr.
Priya Sridhar	31 Dec 24	1.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.36%
Other	98.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	100%	₹1,808 Cr	139,672,562 ↑ 4,059,181
Net Receivable / Payable CBLO \| -	1%	-₹12 Cr
Treps CBLO/Reverse Repo \| -	0%	₹8 Cr

8. HDFC Gold Fund

To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF).

Research Highlights for HDFC Gold Fund

Top quartile AUM (₹12,013 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.54% (bottom quartile).
3Y return: 31.34% (lower mid).
1Y return: 16.47% (bottom quartile).
1M return: -4.77% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.78 (upper mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding HDFC Gold ETF (~100.1%).
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 (09 Nov 26)	₹41.9284 ↑ 0.25 (0.60 %)
Net Assets (Cr)	₹12,013 on 30 Sep 26
Category	Gold - Gold
AMC	HDFC Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.49
Sharpe Ratio	0.78
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 Oct 21	₹10,000
31 Oct 22	₹10,401
31 Oct 23	₹12,486
31 Oct 24	₹15,976
31 Oct 25	₹23,823
31 Oct 26	₹27,347

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 6 Nov 26

Duration	Returns
1 Month	-4.8%
3 Month	-5.3%
6 Month	-6.2%
1 Year	16.5%
3 Year	31.3%
5 Year	22.5%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	71.3%
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%

Fund Manager information for HDFC Gold Fund

Name	Since	Tenure
Arun Agarwal	15 Feb 23	3.63 Yr.
Nandita Menezes	29 Mar 25	1.51 Yr.

Data below for HDFC Gold Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	1.29%
Other	98.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	100%	₹12,027 Cr	956,432,783 ↑ 18,155,615
Net Current Assets Net Current Assets \| -	0%	-₹29 Cr
Treps - Tri-Party Repo CBLO/Reverse Repo \| -	0%	₹15 Cr

9. 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 (₹7,353 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.46% (bottom quartile).
3Y return: 31.42% (upper mid).
1Y return: 16.54% (bottom quartile).
1M return: -4.82% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.74 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding Nippon India ETF Gold BeES (~100.0%).
Top-3 holdings concentration ~100.3%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund Growth
Launch Date	7 Mar 11
NAV (09 Nov 26)	₹53.7115 ↑ 0.30 (0.57 %)
Net Assets (Cr)	₹7,353 on 30 Sep 26
Category	Gold - Gold
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.35
Sharpe Ratio	0.74
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 Oct 21	₹10,000
31 Oct 22	₹10,373
31 Oct 23	₹12,450
31 Oct 24	₹15,947
31 Oct 25	₹23,746
31 Oct 26	₹27,266

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 6 Nov 26

Duration	Returns
1 Month	-4.8%
3 Month	-5.4%
6 Month	-6.1%
1 Year	16.5%
3 Year	31.4%
5 Year	22.5%
10 Year
15 Year
Since launch	11.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	71.2%
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%

Fund Manager information for Nippon India Gold Savings Fund

Name	Since	Tenure
Himanshu Mange	23 Dec 23	2.77 Yr.

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

Asset Allocation

Asset Class	Value
Cash	1.5%
Other	98.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Nippon India ETF Gold BeES - \| -	100%	₹7,355 Cr	604,928,540 ↑ 7,622,968
Net Current Assets Net Current Assets \| -	0%	-₹12 Cr
Triparty Repo CBLO/Reverse Repo \| -	0%	₹10 Cr
Cash Margin - Ccil CBLO/Reverse Repo \| -	0%	₹0 Cr
Cash Net Current Assets \| -	0%	₹0 Cr	00

10. Kotak Gold Fund

The investment objective of the scheme is to generate returns by investing in units of Kotak Gold Exchange Traded Fund.

Research Highlights for Kotak Gold Fund

Upper mid AUM (₹6,996 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.23% (bottom quartile).
3Y return: 31.22% (bottom quartile).
1Y return: 16.67% (upper mid).
1M return: -4.87% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.85 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~99.8%).
Top-3 holdings concentration ~100.5%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (09 Nov 26)	₹53.9241 ↑ 0.43 (0.81 %)
Net Assets (Cr)	₹6,996 on 30 Sep 26
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	0.85
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 Oct 21	₹10,000
31 Oct 22	₹10,331
31 Oct 23	₹12,360
31 Oct 24	₹15,786
31 Oct 25	₹23,507
31 Oct 26	₹27,011

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 6 Nov 26

Duration	Returns
1 Month	-4.9%
3 Month	-5.5%
6 Month	-6.2%
1 Year	16.7%
3 Year	31.2%
5 Year	22.2%
10 Year
15 Year
Since launch	11.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	70.4%
2024	18.9%
2023	13.9%
2022	11.7%
2021	-4.7%
2020	26.6%
2019	24.1%
2018	7.3%
2017	2.5%
2016	10.2%

Fund Manager information for Kotak Gold Fund

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	15.53 Yr.
Jeetu Sonar	1 Oct 22	4 Yr.

Data below for Kotak Gold Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	1.52%
Other	98.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹6,985 Cr	568,465,587 ↑ 10,074,800
Triparty Repo CBLO/Reverse Repo \| -	0%	₹29 Cr
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹19 Cr

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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۔

Disclaimer:
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۔