سنگاپور میں NRIs کو ہندوستان میں میوچل فنڈز کا انتخاب کیسے کرنا چاہئے؟

Updated on March 30, 2026 , 5992 views

جیسا کہ، ہندوستان کئی سالوں سے 5 فیصد سے زیادہ جی ڈی پی نمو کے ساتھ دنیا کی سب سے تیزی سے ترقی کرنے والی معیشتوں میں سے ایک ہے، یہ بیرون ملک سے ہزاروں این آر آئی سرمایہ کاروں کو راغب کرتا ہے۔ دنیابینک اور آئی ایم ایف نے 2018 اور 2019 میں ہندوستان کی جی ڈی پی بالترتیب 7.4 فیصد اور 7.8 فیصد کی شرح سے بڑھنے کا اندازہ لگایا ہے۔ اس وقت ہندوستان دنیا کا پانچواں بڑا ملک ہے۔معیشت $2.7 ٹریلین جی ڈی پی پر۔

سنگاپور میں رہنے والے غیر مقیم ہندوستانی (NRIs) اپنی سرمایہ کاری کی منصوبہ بندی کر سکتے ہیں۔باہمی چندہ طویل مدت میں زیادہ سے زیادہ منافع کمانے کے لیے ہندوستان۔ سنگاپور میں مقیم این آر آئیز باہمی فنڈز کے ذریعے ہندوستان میں اسٹاک میں سرمایہ کاری کر سکتے ہیں۔سرمایہ کاری میںایکویٹی فنڈز. ایکویٹیز طویل مدتی سرمایہ کاری کے لیے مثالی ہیں، اگر آپ کے مقاصد جیسے ہیں۔ریٹائرمنٹ، گھر کی خریداری، یا اگر آپ صرف دولت بنانا چاہتے ہیں تو یہ فنڈز ایک مثالی آپشن ہوسکتے ہیں۔ اور اگر آپ بینک سیونگ اکاؤنٹس سے زیادہ منافع کمانا چاہتے ہیں تو مختصر مدت کے لیے ڈیٹ فنڈز میں سرمایہ کاری کرنے کا مشورہ دیا جاتا ہے۔ سرمایہ کاری کرنے سے پہلے، کسی کو ہمیشہ اپنی خطرے کی صلاحیت تک رسائی حاصل کرنی چاہیے۔

2025 تک ہندوستانی معیشت کا حجم دوگنا ہو کر 5 ٹریلین ڈالر ہونے کی توقع ہے۔ اس کے علاوہ، امریکی محکمہ زراعت کی ایک رپورٹ کے مطابق ہندوستان 2030 تک 6.6 ٹریلین ڈالر کی تیسری بڑی معیشت بن جائے گا۔

سنگاپور میں مقیم این آر آئیز جو چاہتے ہیں۔میوچل فنڈز میں سرمایہ کاری کریں۔ ہندوستان میں کچھ اہم رہنما خطوط اور قواعد ہیں جن پر عمل کرنے کی ضرورت ہے تاکہ ان کی سرمایہ کاری شروع کی جاسکے۔

سنگاپور میں رہنے والے NRIs کے اکاؤنٹس

ہندوستان میں میوچل فنڈز میں سرمایہ کاری کرنے کے لیے کسی کو ہندوستانی بینک میں درج ذیل میں سے کوئی بھی اکاؤنٹ کھولنا ہوگا۔

NRE اکاؤنٹ

یہ غیر رہائشی بیرونی (NRE) اکاؤنٹ ہے جو بچت، موجودہ، فکسڈ یاریکرنگ ڈپازٹ. آپ کو اس اکاؤنٹ میں غیر ملکی کرنسی جمع کرنے کی ضرورت ہے۔ ہندوستانی کرنسی جمع کرنے کے قابل ہونے کے لیے، آپ کو NRO اکاؤنٹ کھولنا ہوگا۔ NRE اکاؤنٹ میں لین دین کی رقم کی کوئی بالائی حد نہیں ہے۔

این آر او اکاؤنٹ

این آر او یا غیر رہائشی عام اکاؤنٹ بچت یا کرنٹ اکاؤنٹ کی شکل میں ہے جو این آر آئیز کے لیے ہے کہ وہ اپنےآمدنی ہندوستان میں کمایا۔ NRO اکاؤنٹ میں، غیر ملکی کرنسی جمع ہونے کے بعد ہندوستانی روپے میں تبدیل ہو جاتی ہے۔ ایک این آر او اکاؤنٹ دوسرے این آر آئی کے ساتھ ساتھ رہائشی ہندوستانی (قریبی رشتہ داروں) کے ساتھ مشترکہ طور پر رکھا جا سکتا ہے۔

ایف سی این آر اکاؤنٹ

اس کا مطلب ہے غیر ملکی کرنسی نان ریپیٹری ایبل اکاؤنٹ ڈپازٹس۔ اس اکاؤنٹ میں، NRIs اپنی رقم بھیج سکتے ہیں۔کمائی چھ کرنسیوں میں سے کسی ایک میں جیسے کینیڈین $، US$، یورو، AU$، Yen، اور پاؤنڈ۔ فنڈز دوسرے FCNR یا NRE اکاؤنٹس سے منتقل کیے جا سکتے ہیں۔ FCNR میں، پرنسپل اور سود پر کوئی ٹیکس جمع نہیں ہوتا ہے۔

ایک بار جب آپ ان اکاؤنٹس میں سے کسی کو کھولتے ہیں، تو آپ کو KYC کے اصولوں کے تحت، اپنے KYC (اپنے گاہک کو جانیں) کامیابی کے ساتھ مکمل کرنے کی ضرورت ہے، جو کہ اس کے ذریعہ مقرر کیا گیا ہے۔SEBI (سیکیورٹیز ایکسچینج بورڈ آف انڈیا)۔ کوئی بھی SEBI کے رجسٹرڈ انٹرمیڈیٹس میں سے کسی کے ساتھ اپنا KYC مکمل کر سکتا ہے۔

سنگاپور کے این آر آئیز کے لیے میوچل فنڈز میں سرمایہ کاری کے لیے KYC طریقہ کار

اپنے KYC طریقہ کار کو کامیابی کے ساتھ مکمل کرنے کے لیے، سنگاپور کے NRIs کو کچھ اہم مراحل کو مکمل کرنے اور دستاویزات پیش کرنے کی ضرورت ہے جیسے:

a KYC فارم

ایک این آر آئی کو جمع کرانے کی ضرورت ہے۔KYC فارم SEBI رجسٹرڈ انٹرمیڈیٹ میں بھری ہوئی تمام ضروری تفصیلات کے ساتھ۔ دستاویزات انٹرمیڈیٹ کو بذریعہ کورئیر/پوسٹ بھیجی جا سکتی ہیں۔

ب دستاویزات

درج ذیل ضروری دستاویزات ہیں جو جمع کرنے کی ضرورت ہے:

بیرون ملک ایڈریس کا ثبوت
ہندوستانی رہائشی ایڈریس کا ثبوت
ایک حالیہ تصویر
پاسپورٹ کاپی

مرچنٹ نیوی میں NRIs کی صورت میں، ایک میرینر کا اعلامیہ یا کنٹینیوئس ڈسچارج سرٹیفکیٹ کی تصدیق شدہ کاپی جمع کرانی ہوگی۔

بمقابلہ سرٹیفیکیٹ

NRIs یا PIOs (Person of India Origin) مندرجہ بالا دستاویزات ہندوستان میں رجسٹرڈ شیڈول کمرشل بینکوں کی بیرون ملک مقیم شاخوں کے مجاز عہدیداروں، جج، کورٹ مجسٹریٹ، پبلک نوٹریوں، یا ملک میں ہندوستانی سفارت خانہ/قونصلیٹ جنرل سے تصدیق شدہ حاصل کر سکتے ہیں۔ واقع ہیں.

d ذاتی تصدیق میں (IPV)

SEBI کے قوانین کے مطابق، KYC کے عمل کے لیے IPV لازمی ہے۔ انٹرمیڈیٹ کو NRIs/PIOs کا IPV کرنا چاہیے۔

براہ کرم نوٹ کریں کہ جمع کراتے وقت مذکورہ بالا تمام دستاویزات/ ثبوت انگریزی زبان میں ہونے چاہئیں۔

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غیر مقیم ہندوستانی (NRI) کے لیے میوچل فنڈ ٹیکس

سرمایہ مالی سال 2017-18 (تشخیص سال 2018-19) کے لیے این آر آئی میوچل فنڈ کی سرمایہ کاری پر ٹیکس کی شرحیں درج ذیل ہیں:

این آر آئیمیوچل فنڈز پر ٹیکس-کیپٹل گینز ٹیکس کی شرحیں- مالی سال 2017/2018 (AY- 2018-19)

میوچل فنڈ اسکیم کی اقسام	شارٹ ٹرم کیپیٹل گینز (STCG)	طویل مدتی کیپیٹل گینز (LTCG)
ایکویٹی فنڈز- STCG- اکائیاں ایک سال سے کم یا اس کے برابر، LTCG- اکائیاں ایک سال سے زیادہ منعقد ہوئیں	15%	صفر
غیر ایکویٹی فنڈز- STCG- 3 سال یا اس سے کم کے لیے رکھے گئے یونٹس، LTCG- 3 سال سے زیادہ کے لیے رکھے گئے یونٹس	فرد کے مطابقانکم ٹیکس بریکٹ	لسٹڈ فنڈز پر - 20% (اشاریہ کے ساتھ)، غیر فہرست شدہ فنڈز- 10% (بغیر اشاریہ کے)

منافع پر میوچل فنڈ ٹیکس

ایکویٹی فنڈز پر منافع: ایکویٹی فنڈز کے لیے یونٹ ہولڈر کے ہاتھ میں ملنے والا ڈیویڈنڈ مکمل طور پر ٹیکس سے پاک ہے۔ ڈیویڈنڈ بھی ٹیکس سے پاک ہے۔اے ایم سی.
ڈیبیٹ فنڈز پر منافع: AMC کو اس ڈیویڈنڈ آمدنی کو اپنے یونٹ ہولڈرز میں تقسیم کرنے سے پہلے 28.84% کا ڈیویڈنڈ ڈسٹری بیوشن ٹیکس (DDT) ادا کرنا ہوگا۔ a کی طرف سے موصول ہونے والی ڈیویڈنڈ آمدنیقرض فنڈ یونٹ ہولڈر بھی ٹیکس سے پاک ہے۔

ذیل میں AY 2018-19 کے لیے NRIs کے ذریعے MF کی ادائیگی پر لاگو TDS کی شرح ہے۔

میوچل فنڈز پر این آر آئی ٹیکسیشن- کیپٹل گینز ٹیکس کی شرحیں- مالی سال 2017/2018 (AY- 2018-19)

این آر آئیز اور ٹی ڈی ایس کی شرح کے ذریعہ میوچل فنڈ کی تلافی	STCG اور TDS کی شرح	LTCG اور TDS کی شرح
ایم ایف اسکیم کی قسم
ایکویٹی اورینٹڈ فنڈز	15%	صفر
قرض فنڈز	30%	لسٹڈ فنڈز پر- 20% (اشاریہ سازی کے ساتھ)، غیر فہرست شدہ فنڈز- 10% (بغیر اشاریہ کے)

سنگاپور میں مقیم این آر آئیز کے لیے بہترین میوچل فنڈز

Fund	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)	Sub Cat.
DSP World Gold Fund Growth	8.9	29.7	121.7	47.8	27.6	167.1	Global
Franklin India Short Term Income Plan - Retail Plan Growth	192.1	192.1	192.1	47.3	32.5		Short term Bond
SBI Gold Fund Growth	11.8	26.3	65.9	33.9	26.1	71.5	Gold
Aditya Birla Sun Life Gold Fund Growth	11	24.5	60	33.8	25.2	72	Gold
Axis Gold Fund Growth	11.9	25.4	60.5	33.8	25.5	69.8	Gold
ICICI Prudential Regular Gold Savings Fund Growth	11.3	25.6	65.7	33.8	25.8	72	Gold
HDFC Gold Fund Growth	11.4	25.9	60.7	33.7	25.4	71.3	Gold
Nippon India Gold Savings Fund Growth	11.5	26.1	60.1	33.7	25.4	71.2	Gold
Kotak Gold Fund Growth	11.5	25.9	60.5	33.6	25.5	70.4	Gold
IDBI Gold Fund Growth	10.1	22.1	62.8	33.4	25.6	79	Gold
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	Franklin India Short Term Income Plan - Retail Plan	SBI Gold Fund	Aditya Birla Sun Life Gold Fund	Axis Gold Fund	ICICI Prudential Regular Gold Savings Fund	HDFC Gold Fund	Nippon India Gold Savings Fund	Kotak Gold Fund	IDBI Gold Fund
Point 1	Lower mid AUM (₹2,191 Cr).	Bottom quartile AUM (₹13 Cr).	Highest AUM (₹15,700 Cr).	Bottom quartile AUM (₹1,782 Cr).	Lower mid AUM (₹2,998 Cr).	Upper mid AUM (₹6,535 Cr).	Top quartile AUM (₹11,766 Cr).	Upper mid AUM (₹7,223 Cr).	Upper mid AUM (₹6,866 Cr).	Bottom quartile AUM (₹795 Cr).
Point 2	Established history (18+ yrs).	Oldest track record among peers (24 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 (15+ yrs).	Established history (13+ yrs).
Point 3	Top rated.	Rating: 2★ (upper mid).	Rating: 2★ (upper mid).	Rating: 3★ (top quartile).	Rating: 1★ (lower mid).	Rating: 1★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	Not Rated.
Point 4	Risk profile: High.	Risk profile: Moderate.	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: 27.64% (top quartile).	1Y return: 192.10% (top quartile).	5Y return: 26.09% (upper mid).	5Y return: 25.22% (bottom quartile).	5Y return: 25.46% (lower mid).	5Y return: 25.83% (upper mid).	5Y return: 25.41% (bottom quartile).	5Y return: 25.36% (bottom quartile).	5Y return: 25.47% (lower mid).	5Y return: 25.58% (upper mid).
Point 6	3Y return: 47.83% (top quartile).	1M return: 192.10% (top quartile).	3Y return: 33.87% (upper mid).	3Y return: 33.83% (upper mid).	3Y return: 33.76% (upper mid).	3Y return: 33.76% (lower mid).	3Y return: 33.73% (lower mid).	3Y return: 33.69% (bottom quartile).	3Y return: 33.59% (bottom quartile).	3Y return: 33.42% (bottom quartile).
Point 7	1Y return: 121.66% (top quartile).	Sharpe: -90.89 (bottom quartile).	1Y return: 65.86% (upper mid).	1Y return: 60.01% (bottom quartile).	1Y return: 60.52% (lower mid).	1Y return: 65.69% (upper mid).	1Y return: 60.68% (lower mid).	1Y return: 60.15% (bottom quartile).	1Y return: 60.49% (bottom quartile).	1Y return: 62.82% (upper mid).
Point 8	Alpha: 6.90 (top quartile).	Information ratio: -2.42 (bottom quartile).	1M return: -6.24% (upper mid).	1M return: -6.60% (bottom quartile).	1M return: -6.16% (top quartile).	1M return: -6.39% (upper mid).	1M return: -6.45% (lower mid).	1M return: -6.29% (upper mid).	1M return: -6.46% (lower mid).	1M return: -6.84% (bottom quartile).
Point 9	Sharpe: 4.06 (top quartile).	Yield to maturity (debt): 0.00% (top 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).
Point 10	Information ratio: -1.08 (bottom quartile).	Modified duration: 0.00 yrs (top quartile).	Sharpe: 2.95 (upper mid).	Sharpe: 2.57 (bottom quartile).	Sharpe: 3.39 (upper mid).	Sharpe: 2.66 (lower mid).	Sharpe: 3.01 (upper mid).	Sharpe: 2.55 (bottom quartile).	Sharpe: 3.49 (top quartile).	Sharpe: 2.75 (lower mid).

DSP World Gold Fund

Lower mid AUM (₹2,191 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 27.64% (top quartile).
3Y return: 47.83% (top quartile).
1Y return: 121.66% (top quartile).
Alpha: 6.90 (top quartile).
Sharpe: 4.06 (top quartile).
Information ratio: -1.08 (bottom quartile).

Franklin India Short Term Income Plan - Retail Plan

Bottom quartile AUM (₹13 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderate.
1Y return: 192.10% (top quartile).
1M return: 192.10% (top quartile).
Sharpe: -90.89 (bottom quartile).
Information ratio: -2.42 (bottom quartile).
Yield to maturity (debt): 0.00% (top quartile).
Modified duration: 0.00 yrs (top quartile).

SBI Gold Fund

Highest AUM (₹15,700 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.09% (upper mid).
3Y return: 33.87% (upper mid).
1Y return: 65.86% (upper mid).
1M return: -6.24% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 2.95 (upper mid).

Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹1,782 Cr).
Established history (14+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 25.22% (bottom quartile).
3Y return: 33.83% (upper mid).
1Y return: 60.01% (bottom quartile).
1M return: -6.60% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.57 (bottom quartile).

Axis Gold Fund

Lower mid AUM (₹2,998 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.46% (lower mid).
3Y return: 33.76% (upper mid).
1Y return: 60.52% (lower mid).
1M return: -6.16% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 3.39 (upper mid).

ICICI Prudential Regular Gold Savings Fund

Upper mid AUM (₹6,535 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.83% (upper mid).
3Y return: 33.76% (lower mid).
1Y return: 65.69% (upper mid).
1M return: -6.39% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.66 (lower mid).

HDFC Gold Fund

Top quartile AUM (₹11,766 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.41% (bottom quartile).
3Y return: 33.73% (lower mid).
1Y return: 60.68% (lower mid).
1M return: -6.45% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 3.01 (upper mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹7,223 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.36% (bottom quartile).
3Y return: 33.69% (bottom quartile).
1Y return: 60.15% (bottom quartile).
1M return: -6.29% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.55 (bottom quartile).

Kotak Gold Fund

Upper mid AUM (₹6,866 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.47% (lower mid).
3Y return: 33.59% (bottom quartile).
1Y return: 60.49% (bottom quartile).
1M return: -6.46% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.49 (top quartile).

IDBI Gold Fund

Bottom quartile AUM (₹795 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.58% (upper mid).
3Y return: 33.42% (bottom quartile).
1Y return: 62.82% (upper mid).
1M return: -6.84% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.75 (lower mid).

*فنڈز کی فہرست نزولی ترتیب میں گزشتہ 3 سال کے ریٹرن پر مبنی ہے۔

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

Lower mid AUM (₹2,191 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 27.64% (top quartile).
3Y return: 47.83% (top quartile).
1Y return: 121.66% (top quartile).
Alpha: 6.90 (top quartile).
Sharpe: 4.06 (top quartile).
Information ratio: -1.08 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~69.9%).
Top-3 holdings concentration ~101.6%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (31 Mar 26)	₹57.9947 ↑ 2.59 (4.68 %)
Net Assets (Cr)	₹2,191 on 28 Feb 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	4.06
Information Ratio	-1.08
Alpha Ratio	6.9
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 Mar 21	₹10,000
31 Mar 22	₹11,138
31 Mar 23	₹10,487
31 Mar 24	₹10,232
31 Mar 25	₹15,284
31 Mar 26	₹33,879

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for 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 31 Mar 26

Duration	Returns
1 Month	-17.2%
3 Month	8.9%
6 Month	29.7%
1 Year	121.7%
3 Year	47.8%
5 Year	27.6%
10 Year
15 Year
Since launch	9.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	13.01 Yr.

Data below for DSP World Gold Fund as on 28 Feb 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.27%

Asset Allocation

Asset Class	Value
Cash	3.92%
Equity	94.27%
Debt	0.01%
Other	1.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	70%	₹1,531 Cr	1,103,589 ↓ -74,069
VanEck Gold Miners ETF - \| GDX	28%	₹604 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹90 Cr
Net Receivables/Payables Net Current Assets \| -	2%	-₹35 Cr

2. Franklin India Short Term Income Plan - Retail Plan

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

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

Bottom quartile AUM (₹13 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderate.
1Y return: 192.10% (top quartile).
1M return: 192.10% (top quartile).
Sharpe: -90.89 (bottom quartile).
Information ratio: -2.42 (bottom quartile).
Yield to maturity (debt): 0.00% (top quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 0.00 yrs (top quartile).
Exit load: 0-1 Years (0.5%),1 Years and above(NIL).

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

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

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹11,805
31 Mar 23	₹12,386
31 Mar 24	₹12,900
31 Mar 25	₹12,900

Franklin India Short Term Income Plan - Retail Plan SIP Returns

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

Purchase not allowed

Returns for Franklin India Short Term Income Plan - Retail Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 26

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

Historical performance (Yearly) on absolute basis

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

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

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. 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 (₹15,700 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.09% (upper mid).
3Y return: 33.87% (upper mid).
1Y return: 65.86% (upper mid).
1M return: -6.24% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 2.95 (upper mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.0%).
Top-3 holdings concentration ~100.8%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (02 Apr 26)	₹42.5129 ↓ -1.03 (-2.37 %)
Net Assets (Cr)	₹15,700 on 28 Feb 26
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	2.95
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 Mar 21	₹10,000
31 Mar 22	₹11,479
31 Mar 23	₹13,282
31 Mar 24	₹14,673
31 Mar 25	₹19,214
31 Mar 26	₹31,308

SBI 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 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 31 Mar 26

Duration	Returns
1 Month	-6.2%
3 Month	11.8%
6 Month	26.3%
1 Year	65.9%
3 Year	33.9%
5 Year	26.1%
10 Year
15 Year
Since launch	10.6%

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 Yr.

Data below for SBI Gold Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.42%
Other	98.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹15,701 Cr	1,156,186,343 ↑ 58,974,677
Net Receivable / Payable CBLO \| -	0%	-₹61 Cr
Treps CBLO/Reverse Repo \| -	0%	₹60 Cr

4. 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

Bottom quartile AUM (₹1,782 Cr).
Established history (14+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 25.22% (bottom quartile).
3Y return: 33.83% (upper mid).
1Y return: 60.01% (bottom quartile).
1M return: -6.60% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.57 (bottom quartile).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding Aditya BSL Gold ETF (~99.9%).
Top-3 holdings concentration ~100.7%.

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 (01 Apr 26)	₹42.9831 ↑ 0.78 (1.85 %)
Net Assets (Cr)	₹1,782 on 28 Feb 26
Category	Gold - Gold
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.51
Sharpe Ratio	2.57
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 Mar 21	₹10,000
31 Mar 22	₹11,440
31 Mar 23	₹13,104
31 Mar 24	₹14,503
31 Mar 25	₹19,100
31 Mar 26	₹30,839

Aditya Birla Sun Life Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 31 Mar 26

Duration	Returns
1 Month	-6.6%
3 Month	11%
6 Month	24.5%
1 Year	60%
3 Year	33.8%
5 Year	25.2%
10 Year
15 Year
Since launch	11%

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	1.16 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.53%
Other	98.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	100%	₹1,780 Cr	127,353,077 ↑ 4,794,311
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	0%	₹7 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹6 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 (₹2,998 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.46% (lower mid).
3Y return: 33.76% (upper mid).
1Y return: 60.52% (lower mid).
1M return: -6.16% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 3.39 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~99.8%).
Top-3 holdings concentration ~100.4%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (01 Apr 26)	₹43.3091 ↑ 1.06 (2.51 %)
Net Assets (Cr)	₹2,998 on 28 Feb 26
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	3.39
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 Mar 21	₹10,000
31 Mar 22	₹11,408
31 Mar 23	₹13,231
31 Mar 24	₹14,624
31 Mar 25	₹19,102
31 Mar 26	₹30,890

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 31 Mar 26

Duration	Returns
1 Month	-6.2%
3 Month	11.9%
6 Month	25.4%
1 Year	60.5%
3 Year	33.8%
5 Year	25.5%
10 Year
15 Year
Since launch	10.7%

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	4.31 Yr.
Pratik Tibrewal	1 Feb 25	1.07 Yr.

Data below for Axis Gold Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.85%
Other	98.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹2,992 Cr	225,201,921 ↑ 9,540,137
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	0%	₹11 Cr
Net Receivables / (Payables) CBLO \| -	0%	-₹6 Cr

6. 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 (₹6,535 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.83% (upper mid).
3Y return: 33.76% (lower mid).
1Y return: 65.69% (upper mid).
1M return: -6.39% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.66 (lower mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding ICICI Pru Gold ETF (~99.8%).
Top-3 holdings concentration ~101.0%.

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 (01 Apr 26)	₹45.9155 ↑ 0.78 (1.74 %)
Net Assets (Cr)	₹6,535 on 28 Feb 26
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	2.66
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 Mar 21	₹10,000
31 Mar 22	₹11,416
31 Mar 23	₹13,182
31 Mar 24	₹14,597
31 Mar 25	₹19,039
31 Mar 26	₹31,007

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 31 Mar 26

Duration	Returns
1 Month	-6.4%
3 Month	11.3%
6 Month	25.6%
1 Year	65.7%
3 Year	33.8%
5 Year	25.8%
10 Year
15 Year
Since launch	11.1%

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	13.43 Yr.
Nishit Patel	29 Dec 20	5.17 Yr.
Ashwini Bharucha	1 Nov 25	0.33 Yr.
Venus Ahuja	1 Nov 25	0.33 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.68%
Other	98.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹6,523 Cr	478,598,971 ↑ 29,847,306
Treps CBLO/Reverse Repo \| -	1%	₹44 Cr
Net Current Assets Net Current Assets \| -	0%	-₹32 Cr

7. 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 (₹11,766 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.41% (bottom quartile).
3Y return: 33.73% (lower mid).
1Y return: 60.68% (lower mid).
1M return: -6.45% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 3.01 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding HDFC Gold ETF (~100.0%).
Top-3 holdings concentration ~100.2%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund Growth
Launch Date	24 Oct 11
NAV (02 Apr 26)	₹43.378 ↓ -0.94 (-2.12 %)
Net Assets (Cr)	₹11,766 on 28 Feb 26
Category	Gold - Gold
AMC	HDFC Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.49
Sharpe Ratio	3.01
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 Mar 21	₹10,000
31 Mar 22	₹11,416
31 Mar 23	₹13,163
31 Mar 24	₹14,561
31 Mar 25	₹19,115
31 Mar 26	₹30,847

HDFC Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 31 Mar 26

Duration	Returns
1 Month	-6.4%
3 Month	11.4%
6 Month	25.9%
1 Year	60.7%
3 Year	33.7%
5 Year	25.4%
10 Year
15 Year
Since launch	10.9%

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	3.04 Yr.
Nandita Menezes	29 Mar 25	0.92 Yr.

Data below for HDFC Gold Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.36%
Other	98.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	100%	₹11,760 Cr	864,529,937 ↑ 23,844,500
Treps - Tri-Party Repo CBLO/Reverse Repo \| -	0%	₹15 Cr
Net Current Assets Net Current Assets \| -	0%	-₹9 Cr

8. 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 (₹7,223 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.36% (bottom quartile).
3Y return: 33.69% (bottom quartile).
1Y return: 60.15% (bottom quartile).
1M return: -6.29% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.55 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Nippon India ETF Gold BeES (~100.0%).
Top-3 holdings concentration ~100.3%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund Growth
Launch Date	7 Mar 11
NAV (02 Apr 26)	₹55.5036 ↓ -1.28 (-2.26 %)
Net Assets (Cr)	₹7,223 on 28 Feb 26
Category	Gold - Gold
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.35
Sharpe Ratio	2.55
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 Mar 21	₹10,000
31 Mar 22	₹11,507
31 Mar 23	₹13,272
31 Mar 24	₹14,664
31 Mar 25	₹19,140
31 Mar 26	₹31,151

Nippon India Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 31 Mar 26

Duration	Returns
1 Month	-6.3%
3 Month	11.5%
6 Month	26.1%
1 Year	60.1%
3 Year	33.7%
5 Year	25.4%
10 Year
15 Year
Since launch	12.2%

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	2.19 Yr.

Data below for Nippon India Gold Savings Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.37%
Other	98.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Nippon India ETF Gold BeES - \| -	100%	₹7,221 Cr	548,676,679 ↑ 21,617,000
Triparty Repo CBLO/Reverse Repo \| -	0%	₹14 Cr
Net Current Assets Net Current Assets \| -	0%	-₹12 Cr
Cash Margin - Ccil CBLO/Reverse Repo \| -	0%	₹0 Cr
Cash Net Current Assets \| -	0%	₹0 Cr	00

9. 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 (₹6,866 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.47% (lower mid).
3Y return: 33.59% (bottom quartile).
1Y return: 60.49% (bottom quartile).
1M return: -6.46% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.49 (top quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~99.8%).
Top-3 holdings concentration ~100.4%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (02 Apr 26)	₹55.6559 ↓ -1.27 (-2.22 %)
Net Assets (Cr)	₹6,866 on 28 Feb 26
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	3.49
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 Mar 21	₹10,000
31 Mar 22	₹11,442
31 Mar 23	₹13,045
31 Mar 24	₹14,423
31 Mar 25	₹18,873
31 Mar 26	₹30,560

Kotak Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 31 Mar 26

Duration	Returns
1 Month	-6.5%
3 Month	11.5%
6 Month	25.9%
1 Year	60.5%
3 Year	33.6%
5 Year	25.5%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	70.4%
2023	18.9%
2022	13.9%
2021	11.7%
2020	-4.7%
2019	26.6%
2018	24.1%
2017	7.3%
2016	2.5%
2015	10.2%

Fund Manager information for Kotak Gold Fund

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	14.94 Yr.
Jeetu Sonar	1 Oct 22	3.41 Yr.

Data below for Kotak Gold Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.48%
Other	98.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹6,851 Cr	515,900,023 ↑ 13,086,061
Triparty Repo CBLO/Reverse Repo \| -	0%	₹30 Cr
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹14 Cr

10. 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 (₹795 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.58% (upper mid).
3Y return: 33.42% (bottom quartile).
1Y return: 62.82% (upper mid).
1M return: -6.84% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.75 (lower mid).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding LIC MF Gold ETF (~99.7%).
Top-3 holdings concentration ~101.1%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund Growth
Launch Date	14 Aug 12
NAV (01 Apr 26)	₹38.2678 ↑ 0.84 (2.26 %)
Net Assets (Cr)	₹795 on 28 Feb 26
Category	Gold - Gold
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.64
Sharpe Ratio	2.75
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 Mar 21	₹10,000
31 Mar 22	₹11,326
31 Mar 23	₹13,152
31 Mar 24	₹14,542
31 Mar 25	₹19,185
31 Mar 26	₹30,548

IDBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 31 Mar 26

Duration	Returns
1 Month	-6.8%
3 Month	10.1%
6 Month	22.1%
1 Year	62.8%
3 Year	33.4%
5 Year	25.6%
10 Year
15 Year
Since launch	10.3%

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	1.75 Yr.

Data below for IDBI Gold Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	1.83%
Other	98.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC MF Gold ETF - \| -	100%	₹793 Cr	553,342 ↑ 15,390
Treps CBLO/Reverse Repo \| -	1%	₹7 Cr
Net Receivables / (Payables) Net Current Assets \| -	1%	-₹5 Cr

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