E-Gold

Updated on December 8, 2025 , 80360 views

What is E-Gold?

E-Gold is another form of Investing in Gold where no physical gold is traded. In 2010, National Spot Exchange (NSE) launched e-gold in India in order to benefit investors who wish to invest in gold.

The biggest benefit of e-gold is that it allows investors to invest in gold with much lower denominations than physical gold. But, before going into details, let us understand the basics of Investing in gold in the electronic form.

E-Gold Investment

E-gold is the process of buying gold electronically. To invest here, one should have a Trading Account with specified NSEL dealers. E-gold units can be bought and sold through the exchange (NSE) just like shares. Here one unit of e-gold is equal to 1 gram of gold.

Investors who wish to invest in gold as part of their long-term Financial goals can buy e-gold in small quantities and keep it in their Demat account. Once their target is achieved, they can take the physical delivery of gold through the exchange. Those who don’t wish to take the physical delivery can always sell the electronic units and encash them.

By buying gold in electronic form, one need not worry about the purity of gold and the safe-keeping of gold.

Advantages of E-Gold

Gold rates on NSE are based on Indian Market rates.
Investors can buy and sell gold in small denominations. For e.g.- 1gm, 2gm of gold.
Transparency in pricing and seamless trading is one of the major advantages of this product.
This product is high in liquidity. One can sell it at any point of time.
No impurity risks.

Advantages	Disadvantages
Buy/Sell gold in small denominations	Storage cost- 60 paise/per unit/pm
Seamless Trading	Hacking Issue
Liquidity	-
No impurity risks	-

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Disadvantages of E-Gold

The storage charge of this product is 60 paisa per unit per month.
Hacking of an account can sometimes be an issue, however with today's security systems in place with exchanges this does not usually take place. At a client account level, the customer should maintain the secrecy of passwords and ensure that the account is protected.

How to Invest in E-Gold?

Open a Demat Account

For purchasing commodities in NSE, it is necessary to have a Demat account. One can keep a separate Demat account for equities and commodities or keep the same one. To open an account, one can submit all the required documentation to NSE.

Trading

Once your account is opened, you can log in and buy e-gold. You can trade from 10 am to 11:30 pm on weekdays. Your gold units would get credited to your Demat account in T+2 days (date plus one day).

Physical Delivery

If you want, you can take physical delivery of gold at any time by redeeming e-gold units to your Demat account.

E-Gold- Taxes and Charges

It charges INR 100 as a conversion rate of 1 gram coin and INR 400 for conversion of 8 gram/10 gram coins. In case of 100-gram coins and one-kg bar, the exchange doesn't charge any cost.
If you hold this product for less than 36 months, then short-term Capital Gain tax is applicable as per the slab rates. And if e-gold is held for than 36 months, then e-Gold Capital gain tax applicable at 10 percent.
One is also required to pay VAT @ 1% throughout the country as well as octroi charges (when your purchase enters the state) to convert electronic units into physical coins.
The storage charge of this product which is held in physical form by NSE is 60 paisa per unit per month.

Invest in Gold Funds Without Demat Account

In Gold Mutual Funds you don't need a Demat account to invest. These funds invest in a Gold ETF floated by the same AMC (Asset Management Company). Investors can invest in Gold Mutual Funds through the SIP route, which is not possible when investing in the ETF or other gold investments.

Feature of Gold Funds

Minimum investment amount in gold mutual funds is of INR 1,000 (as monthly SIP)
Since gold mutual funds are not traded in the market, they can be bought/sold based on NAV for the day
As gold mutual fund’s units can be bought or sold from the fund house, investors do not face liquidity risks.

Best Gold Funds to Invest 2025

1. 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 (₹1,042 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.52% (bottom quartile).
3Y return: 31.73% (lower mid).
1Y return: 63.72% (lower mid).
1M return: 4.19% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 2.45 (top quartile).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding Aditya BSL Gold ETF (~100.0%).
Top-3 holdings concentration ~101.5%.

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 (10 Dec 25)	₹37.1948 ↑ 0.09 (0.26 %)
Net Assets (Cr)	₹1,042 on 31 Oct 25
Category	Gold - Gold
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.51
Sharpe Ratio	2.45
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
30 Nov 20	₹10,000
30 Nov 21	₹9,699
30 Nov 22	₹10,501
30 Nov 23	₹12,347
30 Nov 24	₹14,876
30 Nov 25	₹24,055

Aditya Birla Sun Life Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 10 Dec 25

Duration	Returns
1 Month	4.2%
3 Month	16.9%
6 Month	31.8%
1 Year	63.7%
3 Year	31.7%
5 Year	19.5%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-7.2%

Fund Manager information for Aditya Birla Sun Life Gold Fund

Name	Since	Tenure
Priya Sridhar	31 Dec 24	0.83 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.31%
Other	98.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	100%	₹1,042 Cr	98,504,722 ↑ 9,017,896
Net Receivables / (Payables) Net Current Assets \| -	1%	-₹8 Cr
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	1%	₹8 Cr

2. 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 (₹278 Cr).
Oldest track record among peers (14 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.39% (bottom quartile).
3Y return: 31.15% (bottom quartile).
1Y return: 61.40% (bottom quartile).
1M return: 4.49% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.40 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Invesco India Gold ETF (~97.5%).
Top-3 holdings concentration ~100.5%.

Below is the key information for Invesco India Gold Fund

Invesco India Gold Fund Growth
Launch Date	5 Dec 11
NAV (10 Dec 25)	₹35.8653 ↑ 0.05 (0.14 %)
Net Assets (Cr)	₹278 on 31 Oct 25
Category	Gold - Gold
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.37
Sharpe Ratio	2.4
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
30 Nov 20	₹10,000
30 Nov 21	₹9,636
30 Nov 22	₹10,509
30 Nov 23	₹12,273
30 Nov 24	₹14,833
30 Nov 25	₹23,695

Invesco India Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 10 Dec 25

Duration	Returns
1 Month	4.5%
3 Month	16%
6 Month	30.2%
1 Year	61.4%
3 Year	31.1%
5 Year	19.4%
10 Year
15 Year
Since launch	9.5%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-15.1%

Fund Manager information for Invesco India Gold Fund

Name	Since	Tenure
Abhisek Bahinipati	1 Nov 25	0 Yr.

Data below for Invesco India Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	4.15%
Other	95.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Invesco India Gold ETF - \| -	97%	₹271 Cr	258,048 ↑ 24,628
Triparty Repo CBLO/Reverse Repo \| -	3%	₹8 Cr
Net Receivables / (Payables) CBLO \| -	0%	-₹1 Cr

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 (₹8,457 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.73% (top quartile).
3Y return: 31.96% (top quartile).
1Y return: 63.89% (top quartile).
1M return: 4.38% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.42 (upper mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.2%).
Top-3 holdings concentration ~102.1%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (10 Dec 25)	₹37.4313 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹8,457 on 31 Oct 25
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	2.42
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
30 Nov 20	₹10,000
30 Nov 21	₹9,698
30 Nov 22	₹10,538
30 Nov 23	₹12,397
30 Nov 24	₹14,960
30 Nov 25	₹24,267

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 10 Dec 25

Duration	Returns
1 Month	4.4%
3 Month	16.8%
6 Month	31.6%
1 Year	63.9%
3 Year	32%
5 Year	19.7%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-8.1%

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Raviprakash Sharma	12 Sep 11	14.15 Yr.

Data below for SBI Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.29%
Other	98.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹8,472 Cr	820,885,088 ↑ 102,960,417
Net Receivable / Payable CBLO \| -	1%	-₹90 Cr
Treps CBLO/Reverse Repo \| -	1%	₹74 Cr

4. 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 (₹4,545 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.58% (lower mid).
3Y return: 31.61% (bottom quartile).
1Y return: 63.65% (bottom quartile).
1M return: 4.42% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.41 (lower mid).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding Nippon India ETF Gold BeES (~99.9%).
Top-3 holdings concentration ~100.5%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund Growth
Launch Date	7 Mar 11
NAV (10 Dec 25)	₹48.9722 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹4,545 on 31 Oct 25
Category	Gold - Gold
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.35
Sharpe Ratio	2.41
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
30 Nov 20	₹10,000
30 Nov 21	₹9,653
30 Nov 22	₹10,445
30 Nov 23	₹12,267
30 Nov 24	₹14,786
30 Nov 25	₹23,972

Nippon India Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 10 Dec 25

Duration	Returns
1 Month	4.4%
3 Month	16.7%
6 Month	31.5%
1 Year	63.6%
3 Year	31.6%
5 Year	19.6%
10 Year
15 Year
Since launch	11.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-8.1%

Fund Manager information for Nippon India Gold Savings Fund

Name	Since	Tenure
Himanshu Mange	23 Dec 23	1.86 Yr.

Data below for Nippon India Gold Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.41%
Other	98.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Nippon India ETF Gold BeES - \| -	100%	₹4,542 Cr	454,154,511 ↑ 22,344,000
Triparty Repo CBLO/Reverse Repo \| -	0%	₹15 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

5. 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

Lower mid AUM (₹3,770 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.67% (upper mid).
3Y return: 31.90% (upper mid).
1Y return: 63.87% (upper mid).
1M return: 4.53% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.38 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding ICICI Pru Gold ETF (~100.0%).
Top-3 holdings concentration ~101.1%.

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 (10 Dec 25)	₹39.6345 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹3,770 on 31 Oct 25
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	2.38
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
30 Nov 20	₹10,000
30 Nov 21	₹9,688
30 Nov 22	₹10,449
30 Nov 23	₹12,281
30 Nov 24	₹14,858
30 Nov 25	₹24,046

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 10 Dec 25

Duration	Returns
1 Month	4.5%
3 Month	16.8%
6 Month	31.6%
1 Year	63.9%
3 Year	31.9%
5 Year	19.7%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	-5.1%

Fund Manager information for ICICI Prudential Regular Gold Savings Fund

Name	Since	Tenure
Manish Banthia	27 Sep 12	13.1 Yr.
Nishit Patel	29 Dec 20	4.84 Yr.
Ashwini Bharucha	1 Nov 25	0 Yr.
Venus Ahuja	1 Nov 25	0 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.4%
Other	98.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹3,768 Cr	364,653,102 ↑ 33,144,958
Treps CBLO/Reverse Repo \| -	1%	₹23 Cr
Net Current Assets Net Current Assets \| -	1%	-₹21 Cr

How to Invest in Gold Funds Online?

Open Free Investment Account for Lifetime at Fincash.com.

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Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

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