+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
"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 Below is the key information for DSP World Gold 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 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 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 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 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 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 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 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 Below is the key information for Kotak Gold 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 Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) DSP World Gold Fund Growth ₹62.5589
↑ 3.57 ₹1,441 500 11.3 -0.1 86 59.2 29.6 167.1 SBI Gold Fund Growth ₹45.4157
↑ 1.12 ₹15,812 500 -1.1 1 56.9 37.1 25.6 71.5 ICICI Prudential Regular Gold Savings Fund Growth ₹48.0339
↑ 1.26 ₹6,398 100 -0.9 1 56.8 37 25.4 72 Axis Gold Fund Growth ₹45.0072
↑ 1.09 ₹2,887 1,000 -1.2 0.8 56.3 36.5 25.3 69.8 HDFC Gold Fund Growth ₹46.2326
↑ 1.04 ₹11,197 300 -1.2 0.8 56.2 36.7 25.3 71.3 Aditya Birla Sun Life Gold Fund Growth ₹45.0068
↑ 0.99 ₹1,665 100 -1.2 0.9 56.6 36.9 25.3 72 Nippon India Gold Savings Fund Growth ₹59.2672
↑ 1.45 ₹6,959 100 -1.1 0.9 56.4 36.8 25.3 71.2 IDBI Gold Fund Growth ₹39.9164
↑ 0.80 ₹775 500 -1.5 0.3 54.7 36.5 25.2 79 Kotak Gold Fund Growth ₹59.6424
↑ 1.52 ₹6,532 1,000 -0.9 1.2 56.8 36.9 25.2 70.4 SBI PSU Fund Growth ₹34.3376
↑ 0.08 ₹6,678 500 -1.2 -6.3 9.4 23 24.2 11.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Aug 26 Research Highlights & Commentary of 10 Funds showcased
Commentary DSP World Gold Fund SBI Gold Fund ICICI Prudential Regular Gold Savings Fund Axis Gold Fund HDFC Gold Fund Aditya Birla Sun Life Gold Fund Nippon India Gold Savings Fund IDBI Gold Fund Kotak Gold Fund SBI PSU Fund Point 1 Bottom quartile AUM (₹1,441 Cr). Highest AUM (₹15,812 Cr). Lower mid AUM (₹6,398 Cr). Lower mid AUM (₹2,887 Cr). Top quartile AUM (₹11,197 Cr). Bottom quartile AUM (₹1,665 Cr). Upper mid AUM (₹6,959 Cr). Bottom quartile AUM (₹775 Cr). Upper mid AUM (₹6,532 Cr). Upper mid AUM (₹6,678 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (15+ yrs). Established history (14+ yrs). Established history (15+ yrs). Established history (16+ yrs). Point 3 Top rated. Rating: 2★ (upper mid). Rating: 1★ (lower mid). Rating: 1★ (lower mid). Rating: 1★ (bottom quartile). Rating: 3★ (top quartile). Rating: 2★ (upper mid). Not Rated. Rating: 1★ (bottom quartile). Rating: 2★ (upper mid). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 29.59% (top quartile). 5Y return: 25.55% (top quartile). 5Y return: 25.43% (upper mid). 5Y return: 25.34% (upper mid). 5Y return: 25.33% (upper mid). 5Y return: 25.30% (lower mid). 5Y return: 25.30% (lower mid). 5Y return: 25.22% (bottom quartile). 5Y return: 25.21% (bottom quartile). 5Y return: 24.23% (bottom quartile). Point 6 3Y return: 59.20% (top quartile). 3Y return: 37.07% (top quartile). 3Y return: 37.00% (upper mid). 3Y return: 36.54% (bottom quartile). 3Y return: 36.74% (lower mid). 3Y return: 36.89% (upper mid). 3Y return: 36.85% (lower mid). 3Y return: 36.46% (bottom quartile). 3Y return: 36.91% (upper mid). 3Y return: 22.96% (bottom quartile). Point 7 1Y return: 86.05% (top quartile). 1Y return: 56.88% (top quartile). 1Y return: 56.79% (upper mid). 1Y return: 56.29% (lower mid). 1Y return: 56.24% (bottom quartile). 1Y return: 56.55% (upper mid). 1Y return: 56.43% (lower mid). 1Y return: 54.74% (bottom quartile). 1Y return: 56.80% (upper mid). 1Y return: 9.42% (bottom quartile). Point 8 Alpha: 2.59 (top quartile). 1M return: 10.26% (lower mid). 1M return: 10.37% (upper mid). 1M return: 10.09% (bottom quartile). 1M return: 10.13% (lower mid). 1M return: 10.29% (upper mid). 1M return: 10.28% (upper mid). 1M return: 9.36% (bottom quartile). 1M return: 10.40% (top quartile). Alpha: -0.89 (bottom quartile). Point 9 Sharpe: 1.14 (lower mid). Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (upper mid). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Sharpe: 0.28 (bottom quartile). Point 10 Information ratio: -0.56 (bottom quartile). Sharpe: 1.22 (upper mid). Sharpe: 1.16 (lower mid). Sharpe: 1.28 (top quartile). Sharpe: 1.22 (upper mid). Sharpe: 1.13 (bottom quartile). Sharpe: 1.13 (bottom quartile). Sharpe: 1.17 (upper mid). Sharpe: 1.30 (top quartile). Information ratio: -0.34 (bottom quartile). DSP World Gold Fund
SBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
Axis Gold Fund
HDFC Gold Fund
Aditya Birla Sun Life Gold Fund
Nippon India Gold Savings Fund
IDBI Gold Fund
Kotak Gold Fund
SBI PSU 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. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (19 Aug 26) ₹62.5589 ↑ 3.57 (6.05 %) Net Assets (Cr) ₹1,441 on 31 Jul 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.14 Information Ratio -0.56 Alpha Ratio 2.59 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹7,373 31 Jul 23 ₹9,366 31 Jul 24 ₹11,150 31 Jul 25 ₹16,504 31 Jul 26 ₹26,355 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Aug 26 Duration Returns 1 Month 31.7% 3 Month 11.3% 6 Month -0.1% 1 Year 86% 3 Year 59.2% 5 Year 29.6% 10 Year 15 Year Since launch 10.2% 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 1.25 Yr. Data below for DSP World Gold Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Basic Materials 92.85% Asset Allocation
Asset Class Value Cash 5.2% Equity 93.02% Debt 0.01% Other 1.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -67% ₹960 Cr 983,452
↓ -21,591 VanEck Gold Miners ETF
- | GDX29% ₹409 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -5% ₹67 Cr Net Receivables/Payables
Net Current Assets | -0% -₹4 Cr 2. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (20 Aug 26) ₹45.4157 ↑ 1.12 (2.52 %) Net Assets (Cr) ₹15,812 on 31 Jul 26 Category Gold - Gold AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.3 Sharpe Ratio 1.22 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 19 Aug 26 Duration Returns 1 Month 10.3% 3 Month -1.1% 6 Month 1% 1 Year 56.9% 3 Year 37.1% 5 Year 25.6% 10 Year 15 Year Since launch 10.7% 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 0.42 Yr. Data below for SBI Gold Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 1.52% Other 98.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -100% ₹15,308 Cr 1,280,181,221
↑ 33,495,027 Net Receivable / Payable
CBLO | -0% -₹60 Cr Treps
CBLO/Reverse Repo | -0% ₹46 Cr 3. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (20 Aug 26) ₹48.0339 ↑ 1.26 (2.70 %) Net Assets (Cr) ₹6,398 on 31 Jul 26 Category Gold - Gold AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.38 Sharpe Ratio 1.16 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 19 Aug 26 Duration Returns 1 Month 10.4% 3 Month -0.9% 6 Month 1% 1 Year 56.8% 3 Year 37% 5 Year 25.4% 10 Year 15 Year Since launch 11.1% 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 13.85 Yr. Nishit Patel 29 Dec 20 5.59 Yr. Ashwini Bharucha 1 Nov 25 0.75 Yr. Venus Ahuja 1 Nov 25 0.75 Yr. Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 1.78% Other 98.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -100% ₹6,263 Cr 521,478,692
↑ 6,803,176 Treps
CBLO/Reverse Repo | -0% ₹28 Cr Net Current Assets
Net Current Assets | -0% -₹25 Cr 4. Axis Gold Fund
Axis Gold Fund
Growth Launch Date 20 Oct 11 NAV (20 Aug 26) ₹45.0072 ↑ 1.09 (2.49 %) Net Assets (Cr) ₹2,887 on 31 Jul 26 Category Gold - Gold AMC Axis Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.5 Sharpe Ratio 1.28 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 19 Aug 26 Duration Returns 1 Month 10.1% 3 Month -1.2% 6 Month 0.8% 1 Year 56.3% 3 Year 36.5% 5 Year 25.3% 10 Year 15 Year Since launch 10.7% 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 4.73 Yr. Pratik Tibrewal 1 Feb 25 1.49 Yr. Data below for Axis Gold Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 1.76% Other 98.24% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Gold ETF
- | -100% ₹2,830 Cr 242,317,058
↑ 3,630,000 Net Receivables / (Payables)
CBLO | -0% -₹9 Cr Clearing Corporation Of India Ltd
CBLO | -0% ₹7 Cr 5. HDFC Gold Fund
HDFC Gold Fund
Growth Launch Date 24 Oct 11 NAV (20 Aug 26) ₹46.2326 ↑ 1.04 (2.31 %) Net Assets (Cr) ₹11,197 on 31 Jul 26 Category Gold - Gold AMC HDFC Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.49 Sharpe Ratio 1.22 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 19 Aug 26 Duration Returns 1 Month 10.1% 3 Month -1.2% 6 Month 0.8% 1 Year 56.2% 3 Year 36.7% 5 Year 25.3% 10 Year 15 Year Since launch 10.9% 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 3.46 Yr. Nandita Menezes 29 Mar 25 1.34 Yr. Data below for HDFC Gold Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 1.39% Other 98.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Gold ETF
- | -100% ₹11,019 Cr 920,080,937
↑ 7,410,000 Treps - Tri-Party Repo
CBLO/Reverse Repo | -0% ₹16 Cr Net Current Assets
Net Current Assets | -0% -₹16 Cr 6. Aditya Birla Sun Life Gold Fund
Aditya Birla Sun Life Gold Fund
Growth Launch Date 20 Mar 12 NAV (20 Aug 26) ₹45.0068 ↑ 0.99 (2.26 %) Net Assets (Cr) ₹1,665 on 31 Jul 26 Category Gold - Gold AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.51 Sharpe Ratio 1.13 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 19 Aug 26 Duration Returns 1 Month 10.3% 3 Month -1.2% 6 Month 0.9% 1 Year 56.6% 3 Year 36.9% 5 Year 25.3% 10 Year 15 Year Since launch 11% 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 0.07 Yr. Priya Sridhar 31 Dec 24 1.58 Yr. Data below for Aditya Birla Sun Life Gold Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 1.47% Other 98.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya BSL Gold ETF
- | -100% ₹1,648 Cr 133,583,381
↑ 507,000 Net Receivables / (Payables)
Net Current Assets | -0% -₹4 Cr Clearing Corporation Of India Limited
CBLO/Reverse Repo | -0% ₹4 Cr 7. Nippon India Gold Savings Fund
Nippon India Gold Savings Fund
Growth Launch Date 7 Mar 11 NAV (20 Aug 26) ₹59.2672 ↑ 1.45 (2.50 %) Net Assets (Cr) ₹6,959 on 31 Jul 26 Category Gold - Gold AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderately High Expense Ratio 0.35 Sharpe Ratio 1.13 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 19 Aug 26 Duration Returns 1 Month 10.3% 3 Month -1.1% 6 Month 0.9% 1 Year 56.4% 3 Year 36.8% 5 Year 25.3% 10 Year 15 Year Since launch 12.2% 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 2.61 Yr. Data below for Nippon India Gold Savings Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 1.49% Other 98.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nippon India ETF Gold BeES
- | -100% ₹6,854 Cr 590,975,572
↑ 3,912,000 Triparty Repo
CBLO/Reverse Repo | -0% ₹18 Cr Net Current Assets
Net Current Assets | -0% -₹18 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 8. IDBI Gold Fund
IDBI Gold Fund
Growth Launch Date 14 Aug 12 NAV (20 Aug 26) ₹39.9164 ↑ 0.80 (2.04 %) Net Assets (Cr) ₹775 on 31 Jul 26 Category Gold - Gold AMC IDBI Asset Management Limited Rating Risk Moderately High Expense Ratio 0.64 Sharpe Ratio 1.17 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 19 Aug 26 Duration Returns 1 Month 9.4% 3 Month -1.5% 6 Month 0.3% 1 Year 54.7% 3 Year 36.5% 5 Year 25.2% 10 Year 15 Year Since launch 10.4% 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 2.16 Yr. Sasikant Aravamuthan 1 Jul 26 0.08 Yr. Data below for IDBI Gold Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 1.82% Other 98.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC MF Gold ETF
- | -100% ₹757 Cr 59,884,200
↑ 1,110,000 Treps
CBLO/Reverse Repo | -1% ₹4 Cr Net Receivables / (Payables)
CBLO | -0% -₹4 Cr 9. Kotak Gold Fund
Kotak Gold Fund
Growth Launch Date 25 Mar 11 NAV (20 Aug 26) ₹59.6424 ↑ 1.52 (2.61 %) Net Assets (Cr) ₹6,532 on 31 Jul 26 Category Gold - Gold AMC Kotak Mahindra Asset Management Co Ltd Rating ☆ Risk Moderately High Expense Ratio 0.5 Sharpe Ratio 1.3 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,434 31 Jul 23 ₹11,908 31 Jul 24 ₹13,751 31 Jul 25 ₹19,186 31 Jul 26 ₹27,240 Returns for Kotak Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Aug 26 Duration Returns 1 Month 10.4% 3 Month -0.9% 6 Month 1.2% 1 Year 56.8% 3 Year 36.9% 5 Year 25.2% 10 Year 15 Year Since launch 12.3% 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 15.36 Yr. Jeetu Sonar 1 Oct 22 3.83 Yr. Data below for Kotak Gold Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 1.48% Other 98.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kotak Gold ETF
- | -100% ₹6,413 Cr 547,838,125
↑ 5,300,000 Triparty Repo
CBLO/Reverse Repo | -0% ₹23 Cr Net Current Assets/(Liabilities)
Net Current Assets | -0% -₹13 Cr 10. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (20 Aug 26) ₹34.3376 ↑ 0.08 (0.23 %) Net Assets (Cr) ₹6,678 on 31 Jul 26 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.28 Information Ratio -0.34 Alpha Ratio -0.89 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 19 Aug 26 Duration Returns 1 Month -1.2% 3 Month -1.2% 6 Month -6.3% 1 Year 9.4% 3 Year 23% 5 Year 24.2% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2025 11.3% 2024 23.5% 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 2.17 Yr. Data below for SBI PSU Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Financial Services 33.03% Utility 32.22% Industrials 13.92% Energy 11.28% Basic Materials 6.1% Asset Allocation
Asset Class Value Cash 3.39% Equity 96.54% 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 10,827,500
↓ -700,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 53215510% ₹662 Cr 38,150,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹584 Cr 14,185,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328989% ₹571 Cr 19,935,554 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325558% ₹551 Cr 15,443,244 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321346% ₹391 Cr 14,350,000
↑ 1,250,000 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 5003125% ₹344 Cr 14,655,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005474% ₹294 Cr 9,700,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Jun 25 | 5001034% ₹269 Cr 6,500,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹238 Cr 27,900,000
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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.