10, 20 വർഷത്തെ നിക്ഷേപത്തിനായുള്ള 10 മികച്ച SIP പ്ലാനുകൾ 2022

Updated on February 25, 2026 , 233182 views

മികച്ച SIP പ്ലാനുകൾ? അവരെ എങ്ങനെ തിരഞ്ഞെടുക്കാം? ചിന്തിക്കുമ്പോൾ നിക്ഷേപകരുടെ മനസ്സിൽ ഉണ്ടാകുന്ന പൊതുവായ ചില ചോദ്യങ്ങളാണിത്മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു എ വഴിഎസ്.ഐ.പി അല്ലെങ്കിൽ വ്യവസ്ഥാപിതംനിക്ഷേപ പദ്ധതി.SIP നിക്ഷേപം ഏറ്റവും അച്ചടക്കമുള്ള ഒന്നാണ്നിക്ഷേപിക്കുന്നു നിക്ഷേപം നടത്തുമ്പോൾ ഓപ്ഷനുകൾമ്യൂച്വൽ ഫണ്ടുകൾ.

മാത്രമല്ല, ഒരു SIP മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നതിനുള്ള ഏറ്റവും കുറഞ്ഞ തുക 500 രൂപയിൽ താഴെയാണ്. ഇത് നിക്ഷേപം നടത്തുന്നുടോപ്പ് SIP വളരെ സൗകര്യപ്രദമായ പദ്ധതികൾ.

എന്തുകൊണ്ടാണ് നിങ്ങൾ SIP അല്ലെങ്കിൽ സിസ്റ്റമാറ്റിക് ഇൻവെസ്റ്റ്‌മെന്റ് പ്ലാനിൽ നിക്ഷേപിക്കേണ്ടത്?

ചിലനിക്ഷേപത്തിന്റെ നേട്ടങ്ങൾ ഒരു SIP-ൽ ഇവയാണ്:

സംയുക്തത്തിന്റെ ശക്തി

വ്യവസ്ഥാപിത നിക്ഷേപ പദ്ധതികളും ഇതിന്റെ പ്രയോജനം വാഗ്ദാനം ചെയ്യുന്നുസംയുക്തത്തിന്റെ ശക്തി. നിങ്ങൾ പ്രിൻസിപ്പലിൽ മാത്രം പലിശ നേടുമ്പോഴാണ് ലളിതമായ താൽപ്പര്യം. കൂട്ടുപലിശയുടെ കാര്യത്തിൽ, പലിശ തുക പ്രിൻസിപ്പലിലേക്ക് ചേർക്കുന്നു, കൂടാതെ പുതിയ പ്രിൻസിപ്പലിന്റെ (പഴയ പ്രിൻസിപ്പലിന്റെയും നേട്ടങ്ങളുടെയും) പലിശ കണക്കാക്കുന്നു. ഈ പ്രക്രിയ ഓരോ തവണയും തുടരുന്നു. എസ്‌ഐ‌പിയിലെ മ്യൂച്വൽ ഫണ്ടുകൾ ഗഡുക്കളായതിനാൽ, അവ സംയുക്തമാണ്, ഇത് തുടക്കത്തിൽ നിക്ഷേപിച്ച തുകയിലേക്ക് കൂടുതൽ ചേർക്കുന്നു.

രൂപയുടെ ചെലവ് ശരാശരി

ഒരു ചിട്ടയായ നിക്ഷേപ പദ്ധതി വാഗ്ദാനം ചെയ്യുന്ന ഏറ്റവും വലിയ നേട്ടം റുപ്പി കോസ്റ്റ് ആവറേജിംഗ് ആണ്, ഇത് ഒരു അസറ്റ് വാങ്ങലിന്റെ ശരാശരി ചെലവ് ഒരു വ്യക്തിയെ സഹായിക്കുന്നു. ഒരു മ്യൂച്വൽ ഫണ്ടിൽ ഒറ്റത്തവണ നിക്ഷേപം നടത്തുമ്പോൾ ഒരു നിശ്ചിത എണ്ണം യൂണിറ്റുകൾ വാങ്ങുന്നുനിക്ഷേപകൻ ഒറ്റയടിക്ക്, ഒരു എസ്‌ഐ‌പിയുടെ കാര്യത്തിൽ, യൂണിറ്റുകളുടെ വാങ്ങൽ വളരെക്കാലം നീണ്ടുനിൽക്കും, അവ പ്രതിമാസ ഇടവേളകളിൽ (സാധാരണയായി) തുല്യമായി വിതരണം ചെയ്യപ്പെടുന്നു. നിക്ഷേപം കാലക്രമേണ വ്യാപിക്കുന്നതിനാൽ, നിക്ഷേപം സ്റ്റോക്കിലേക്ക് മാറ്റുന്നുവിപണി വ്യത്യസ്ത വില പോയിന്റുകളിൽ നിക്ഷേപകന് ശരാശരി ചെലവിന്റെ ആനുകൂല്യം നൽകുന്നു, അതിനാൽ രൂപയുടെ ചെലവ് ശരാശരി എന്ന പദം.

താങ്ങാനാവുന്ന

എസ്‌ഐ‌പികൾ സാധാരണക്കാർക്ക് സമ്പാദ്യം ആരംഭിക്കുന്നതിനുള്ള വളരെ താങ്ങാനാവുന്ന ഓപ്ഷനാണ്, കാരണം ഓരോ തവണകൾക്കും ആവശ്യമായ ഏറ്റവും കുറഞ്ഞ തുക (അതും പ്രതിമാസം!) INR 500 വരെയാകാം. ചില മ്യൂച്വൽ ഫണ്ട് കമ്പനികൾ പോലും വാഗ്‌ദാനം ചെയ്യുന്നു.മൈക്രോഎസ്ഐപി ടിക്കറ്റ് വലുപ്പം 100 രൂപയിൽ താഴെയാണ്.

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റിസ്ക് റിഡക്ഷൻ

ഒരു ചിട്ടയായ നിക്ഷേപ പദ്ധതി ദീർഘകാലത്തേക്ക് വ്യാപിച്ചുകിടക്കുന്നതിനാൽ, ഓഹരി വിപണിയുടെ എല്ലാ കാലഘട്ടങ്ങളും, ഉയർച്ചകളും, അതിലും പ്രധാനമായി തകർച്ചകളും ഒരാൾ പിടികൂടുന്നു. മാന്ദ്യങ്ങളിൽ, മിക്ക നിക്ഷേപകരെയും ഭയം പിടികൂടുമ്പോൾ, നിക്ഷേപകർ വാങ്ങുന്നത് ഉറപ്പാക്കുന്നത് SIP തവണകൾ തുടരുന്നുതാഴ്ന്ന.

FY 22 - 23 ലെ 10, 20 വർഷത്തെ നിക്ഷേപത്തിനുള്ള മികച്ച SIP പ്ലാനുകൾ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹67.9493 ↓ -0.10	₹1,975	500	42.1	90.1	185.1	64.8	32.4	167.1
SBI PSU Fund Growth	₹37.1063 ↓ -0.20	₹5,980	500	9.9	21.3	36.4	36.1	28	11.3
SBI Gold Fund Growth	₹46.4429 ↑ 0.39	₹15,024	500	26.6	57.2	83.1	40.4	26.6	71.5
Aditya Birla Sun Life Gold Fund Growth	₹46.022 ↑ 0.38	₹1,781	100	26.1	56.6	82.8	40	26.4	72
Axis Gold Fund Growth	₹46.1544 ↑ 0.43	₹2,835	1,000	26.7	57	82.9	40.1	26.4	69.8
ICICI Prudential Regular Gold Savings Fund Growth	₹49.0474 ↑ 0.46	₹6,338	100	26.4	56.7	83.4	40.1	26.4	72
HDFC Gold Fund Growth	₹47.3741 ↑ 0.41	₹11,458	300	26.3	56.9	82.8	39.9	26.3	71.3
Nippon India Gold Savings Fund Growth	₹60.6 ↑ 0.52	₹7,160	100	26.2	56.6	82.3	40	26.3	71.2
ICICI Prudential Infrastructure Fund Growth	₹196.6 ↓ -1.81	₹8,077	100	-1	2.5	18.2	25.6	26.2	6.7
Kotak Gold Fund Growth	₹60.8539 ↑ 0.60	₹6,556	1,000	26.2	56.7	82.6	39.8	26.1	70.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Feb 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	SBI PSU Fund	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	ICICI Prudential Infrastructure Fund	Kotak Gold Fund
Point 1	Bottom quartile AUM (₹1,975 Cr).	Lower mid AUM (₹5,980 Cr).	Highest AUM (₹15,024 Cr).	Bottom quartile AUM (₹1,781 Cr).	Bottom quartile AUM (₹2,835 Cr).	Lower mid AUM (₹6,338 Cr).	Top quartile AUM (₹11,458 Cr).	Upper mid AUM (₹7,160 Cr).	Upper mid AUM (₹8,077 Cr).	Upper mid AUM (₹6,556 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Established history (14+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Oldest track record among peers (20 yrs).	Established history (14+ yrs).
Point 3	Top rated.	Rating: 2★ (upper mid).	Rating: 2★ (upper mid).	Rating: 3★ (top quartile).	Rating: 1★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 32.37% (top quartile).	5Y return: 27.98% (top quartile).	5Y return: 26.55% (upper mid).	5Y return: 26.39% (upper mid).	5Y return: 26.39% (upper mid).	5Y return: 26.39% (lower mid).	5Y return: 26.32% (lower mid).	5Y return: 26.26% (bottom quartile).	5Y return: 26.18% (bottom quartile).	5Y return: 26.12% (bottom quartile).
Point 6	3Y return: 64.81% (top quartile).	3Y return: 36.09% (bottom quartile).	3Y return: 40.39% (top quartile).	3Y return: 39.97% (lower mid).	3Y return: 40.11% (upper mid).	3Y return: 40.12% (upper mid).	3Y return: 39.94% (lower mid).	3Y return: 40.00% (upper mid).	3Y return: 25.64% (bottom quartile).	3Y return: 39.82% (bottom quartile).
Point 7	1Y return: 185.11% (top quartile).	1Y return: 36.41% (bottom quartile).	1Y return: 83.09% (upper mid).	1Y return: 82.81% (upper mid).	1Y return: 82.93% (upper mid).	1Y return: 83.39% (top quartile).	1Y return: 82.80% (lower mid).	1Y return: 82.35% (bottom quartile).	1Y return: 18.24% (bottom quartile).	1Y return: 82.55% (lower mid).
Point 8	Alpha: 2.12 (top quartile).	Alpha: 0.05 (top quartile).	1M return: 0.35% (upper mid).	1M return: 0.26% (lower mid).	1M return: 0.27% (upper mid).	1M return: 0.06% (bottom quartile).	1M return: 0.20% (bottom quartile).	1M return: 0.12% (bottom quartile).	Alpha: 0.00 (bottom quartile).	1M return: 0.23% (lower mid).
Point 9	Sharpe: 3.41 (upper mid).	Sharpe: 0.63 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Sharpe: 0.15 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Information ratio: -0.47 (bottom quartile).	Information ratio: -0.63 (bottom quartile).	Sharpe: 3.25 (upper mid).	Sharpe: 3.08 (lower mid).	Sharpe: 3.44 (top quartile).	Sharpe: 3.10 (lower mid).	Sharpe: 3.29 (upper mid).	Sharpe: 3.01 (bottom quartile).	Information ratio: 0.00 (lower mid).	Sharpe: 3.55 (top quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,975 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 32.37% (top quartile).
3Y return: 64.81% (top quartile).
1Y return: 185.11% (top quartile).
Alpha: 2.12 (top quartile).
Sharpe: 3.41 (upper mid).
Information ratio: -0.47 (bottom quartile).

SBI PSU Fund

Lower mid AUM (₹5,980 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 27.98% (top quartile).
3Y return: 36.09% (bottom quartile).
1Y return: 36.41% (bottom quartile).
Alpha: 0.05 (top quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: -0.63 (bottom quartile).

SBI Gold Fund

Highest AUM (₹15,024 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.55% (upper mid).
3Y return: 40.39% (top quartile).
1Y return: 83.09% (upper mid).
1M return: 0.35% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 3.25 (upper mid).

Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹1,781 Cr).
Established history (13+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 26.39% (upper mid).
3Y return: 39.97% (lower mid).
1Y return: 82.81% (upper mid).
1M return: 0.26% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 3.08 (lower mid).

Axis Gold Fund

Bottom quartile AUM (₹2,835 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 26.39% (upper mid).
3Y return: 40.11% (upper mid).
1Y return: 82.93% (upper mid).
1M return: 0.27% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 3.44 (top quartile).

ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹6,338 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.39% (lower mid).
3Y return: 40.12% (upper mid).
1Y return: 83.39% (top quartile).
1M return: 0.06% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 3.10 (lower mid).

HDFC Gold Fund

Top quartile AUM (₹11,458 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.32% (lower mid).
3Y return: 39.94% (lower mid).
1Y return: 82.80% (lower mid).
1M return: 0.20% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 3.29 (upper mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹7,160 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 26.26% (bottom quartile).
3Y return: 40.00% (upper mid).
1Y return: 82.35% (bottom quartile).
1M return: 0.12% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.01 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,077 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.18% (bottom quartile).
3Y return: 25.64% (bottom quartile).
1Y return: 18.24% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.15 (bottom quartile).
Information ratio: 0.00 (lower mid).

Kotak Gold Fund

Upper mid AUM (₹6,556 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.12% (bottom quartile).
3Y return: 39.82% (bottom quartile).
1Y return: 82.55% (lower mid).
1M return: 0.23% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.55 (top quartile).

*താഴെയുള്ള ഫണ്ടുകൾ മികച്ചതായി പരിഗണിക്കുന്നുസിഎജിആർ 5 വർഷത്തിൽ കൂടുതലുള്ള വരുമാനവും ഫണ്ടിന് കുറഞ്ഞത് 5 വർഷത്തെ മാർക്കറ്റ് ചരിത്രവും (ഫണ്ട് പ്രായം) ഉണ്ട്500 കോടി മാനേജ്മെന്റിന് കീഴിലുള്ള അസറ്റിന്റെ.

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 (₹1,975 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 32.37% (top quartile).
3Y return: 64.81% (top quartile).
1Y return: 185.11% (top quartile).
Alpha: 2.12 (top quartile).
Sharpe: 3.41 (upper mid).
Information ratio: -0.47 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF World Gold I2 (~73.8%).
Top-3 holdings concentration ~100.8%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (26 Feb 26)	₹67.9493 ↓ -0.10 (-0.14 %)
Net Assets (Cr)	₹1,975 on 31 Jan 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	3.41
Information Ratio	-0.47
Alpha Ratio	2.12
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 Jan 21	₹10,000
31 Jan 22	₹8,807
31 Jan 23	₹9,422
31 Jan 24	₹8,517
31 Jan 25	₹12,548
31 Jan 26	₹33,170

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 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 26 Feb 26

Duration	Returns
1 Month	3.7%
3 Month	42.1%
6 Month	90.1%
1 Year	185.1%
3 Year	64.8%
5 Year	32.4%
10 Year
15 Year
Since launch	10.9%

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	12.93 Yr.

Data below for DSP World Gold Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Basic Materials	95.89%

Asset Allocation

Asset Class	Value
Cash	1.55%
Equity	95.89%
Debt	0.01%
Other	2.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,458 Cr	1,177,658 ↓ -41,596
VanEck Gold Miners ETF - \| GDX	25%	₹497 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹35 Cr
Net Receivables/Payables Net Current Assets \| -	1%	-₹15 Cr

2. SBI PSU Fund

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

Lower mid AUM (₹5,980 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 27.98% (top quartile).
3Y return: 36.09% (bottom quartile).
1Y return: 36.41% (bottom quartile).
Alpha: 0.05 (top quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: -0.63 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~17.9%).
Top-3 holdings concentration ~36.8%.

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (27 Feb 26)	₹37.1063 ↓ -0.20 (-0.53 %)
Net Assets (Cr)	₹5,980 on 31 Jan 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.63
Information Ratio	-0.63
Alpha Ratio	0.05
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 Jan 21	₹10,000
31 Jan 22	₹14,656
31 Jan 23	₹17,067
31 Jan 24	₹30,032
31 Jan 25	₹32,242
31 Jan 26	₹38,028

SBI PSU 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 SBI PSU Fund

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

Duration	Returns
1 Month	9.6%
3 Month	9.9%
6 Month	21.3%
1 Year	36.4%
3 Year	36.1%
5 Year	28%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.3%
2023	23.5%
2022	54%
2021	29%
2020	32.4%
2019	-10%
2018	6%
2017	-23.8%
2016	21.9%
2015	16.2%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.67 Yr.

Data below for SBI PSU Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	34.09%
Utility	29.59%
Energy	13.91%
Industrials	12.42%
Basic Materials	7.01%

Asset Allocation

Asset Class	Value
Cash	2.9%
Equity	97.02%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	18%	₹1,069 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	10%	₹583 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| NTPC	9%	₹550 Cr	15,443,244
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| POWERGRID	9%	₹511 Cr	19,935,554 ↑ 2,300,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| GAIL	8%	₹488 Cr	29,150,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| BPCL	6%	₹354 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| BANKBARODA	6%	₹329 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| NMDC	4%	₹227 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	4%	₹221 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹196 Cr	3,850,000

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 (₹15,024 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.55% (upper mid).
3Y return: 40.39% (top quartile).
1Y return: 83.09% (upper mid).
1M return: 0.35% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 3.25 (upper mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~99.6%).
Top-3 holdings concentration ~103.3%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (27 Feb 26)	₹46.4429 ↑ 0.39 (0.84 %)
Net Assets (Cr)	₹15,024 on 31 Jan 26
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	3.25
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 Jan 21	₹10,000
31 Jan 22	₹9,629
31 Jan 23	₹11,359
31 Jan 24	₹12,462
31 Jan 25	₹16,115
31 Jan 26	₹30,818

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 26 Feb 26

Duration	Returns
1 Month	0.4%
3 Month	26.6%
6 Month	57.2%
1 Year	83.1%
3 Year	40.4%
5 Year	26.6%
10 Year
15 Year
Since launch	11.2%

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
Raviprakash Sharma	12 Sep 11	14.4 Yr.

Data below for SBI Gold Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	1.93%
Other	98.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹14,966 Cr	1,097,211,666 ↑ 145,868,881
Treps CBLO/Reverse Repo \| -	2%	₹306 Cr
Net Receivable / Payable CBLO \| -	2%	-₹248 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 (₹1,781 Cr).
Established history (13+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 26.39% (upper mid).
3Y return: 39.97% (lower mid).
1Y return: 82.81% (upper mid).
1M return: 0.26% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 3.08 (lower mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding Aditya BSL Gold ETF (~99.4%).
Top-3 holdings concentration ~103.8%.

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 (27 Feb 26)	₹46.022 ↑ 0.38 (0.84 %)
Net Assets (Cr)	₹1,781 on 31 Jan 26
Category	Gold - Gold
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.51
Sharpe Ratio	3.08
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 Jan 21	₹10,000
31 Jan 22	₹9,602
31 Jan 23	₹11,314
31 Jan 24	₹12,322
31 Jan 25	₹15,883
31 Jan 26	₹31,280

Aditya Birla Sun Life 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 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 26 Feb 26

Duration	Returns
1 Month	0.3%
3 Month	26.1%
6 Month	56.6%
1 Year	82.8%
3 Year	40%
5 Year	26.4%
10 Year
15 Year
Since launch	11.6%

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	1.09 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	2.07%
Other	97.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	99%	₹1,770 Cr	122,558,766 ↑ 14,664,583
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	3%	₹45 Cr
Net Receivables / (Payables) Net Current Assets \| -	2%	-₹34 Cr

5. Axis Gold Fund

To generate returns that closely correspond to returns generated by Axis Gold ETF.

Research Highlights for Axis Gold Fund

Bottom quartile AUM (₹2,835 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 26.39% (upper mid).
3Y return: 40.11% (upper mid).
1Y return: 82.93% (upper mid).
1M return: 0.27% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 3.44 (top quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~99.1%).
Top-3 holdings concentration ~100.7%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (27 Feb 26)	₹46.1544 ↑ 0.43 (0.94 %)
Net Assets (Cr)	₹2,835 on 31 Jan 26
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	3.44
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 Jan 21	₹10,000
31 Jan 22	₹9,659
31 Jan 23	₹11,397
31 Jan 24	₹12,487
31 Jan 25	₹16,126
31 Jan 26	₹29,924

Axis 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 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 26 Feb 26

Duration	Returns
1 Month	0.3%
3 Month	26.7%
6 Month	57%
1 Year	82.9%
3 Year	40.1%
5 Year	26.4%
10 Year
15 Year
Since launch	11.2%

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	4.23 Yr.
Pratik Tibrewal	1 Feb 25	1 Yr.

Data below for Axis Gold Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	2.53%
Other	97.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	99%	₹2,810 Cr	215,661,784 ↑ 19,832,646
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	1%	₹35 Cr
Net Receivables / (Payables) CBLO \| -	0%	-₹9 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

Lower mid AUM (₹6,338 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.39% (lower mid).
3Y return: 40.12% (upper mid).
1Y return: 83.39% (top quartile).
1M return: 0.06% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 3.10 (lower mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding ICICI Pru Gold ETF (~98.8%).
Top-3 holdings concentration ~103.2%.

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 (27 Feb 26)	₹49.0474 ↑ 0.46 (0.94 %)
Net Assets (Cr)	₹6,338 on 31 Jan 26
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	3.1
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 Jan 21	₹10,000
31 Jan 22	₹9,678
31 Jan 23	₹11,361
31 Jan 24	₹12,399
31 Jan 25	₹16,060
31 Jan 26	₹31,216

ICICI Prudential Regular Gold Savings 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 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 26 Feb 26

Duration	Returns
1 Month	0.1%
3 Month	26.4%
6 Month	56.7%
1 Year	83.4%
3 Year	40.1%
5 Year	26.4%
10 Year
15 Year
Since launch	11.7%

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	13.36 Yr.
Nishit Patel	29 Dec 20	5.1 Yr.
Ashwini Bharucha	1 Nov 25	0.25 Yr.
Venus Ahuja	1 Nov 25	0.25 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	2.73%
Other	97.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	99%	₹6,265 Cr	448,751,665 ↑ 56,893,421
Treps CBLO/Reverse Repo \| -	3%	₹174 Cr
Net Current Assets Net Current Assets \| -	2%	-₹101 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 (₹11,458 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.32% (lower mid).
3Y return: 39.94% (lower mid).
1Y return: 82.80% (lower mid).
1M return: 0.20% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 3.29 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding HDFC Gold ETF (~100.0%).
Top-3 holdings concentration ~102.6%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund Growth
Launch Date	24 Oct 11
NAV (27 Feb 26)	₹47.3741 ↑ 0.41 (0.87 %)
Net Assets (Cr)	₹11,458 on 31 Jan 26
Category	Gold - Gold
AMC	HDFC Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.49
Sharpe Ratio	3.29
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 Jan 21	₹10,000
31 Jan 22	₹9,641
31 Jan 23	₹11,342
31 Jan 24	₹12,349
31 Jan 25	₹15,958
31 Jan 26	₹30,476

HDFC 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 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 26 Feb 26

Duration	Returns
1 Month	0.2%
3 Month	26.3%
6 Month	56.9%
1 Year	82.8%
3 Year	39.9%
5 Year	26.3%
10 Year
15 Year
Since launch	11.5%

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	2.96 Yr.
Nandita Menezes	29 Mar 25	0.85 Yr.

Data below for HDFC Gold Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	1.44%
Other	98.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	100%	₹11,455 Cr	840,685,437 ↑ 92,026,020
Treps - Tri-Party Repo CBLO/Reverse Repo \| -	1%	₹154 Cr
Net Current Assets Net Current Assets \| -	1%	-₹152 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 (₹7,160 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 26.26% (bottom quartile).
3Y return: 40.00% (upper mid).
1Y return: 82.35% (bottom quartile).
1M return: 0.12% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.01 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Nippon India ETF Gold BeES (~99.9%).
Top-3 holdings concentration ~100.8%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund Growth
Launch Date	7 Mar 11
NAV (27 Feb 26)	₹60.6 ↑ 0.52 (0.86 %)
Net Assets (Cr)	₹7,160 on 31 Jan 26
Category	Gold - Gold
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.35
Sharpe Ratio	3.01
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 Jan 21	₹10,000
31 Jan 22	₹9,635
31 Jan 23	₹11,321
31 Jan 24	₹12,369
31 Jan 25	₹15,957
31 Jan 26	₹31,222

Nippon India Gold Savings 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 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 26 Feb 26

Duration	Returns
1 Month	0.1%
3 Month	26.2%
6 Month	56.6%
1 Year	82.3%
3 Year	40%
5 Year	26.3%
10 Year
15 Year
Since launch	12.8%

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	2.11 Yr.

Data below for Nippon India Gold Savings Fund as on 31 Jan 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%	₹7,154 Cr	527,059,679 ↑ 44,753,946
Triparty Repo CBLO/Reverse Repo \| -	1%	₹36 Cr
Net Current Assets Net Current Assets \| -	0%	-₹29 Cr
Cash Margin - Ccil CBLO/Reverse Repo \| -	0%	₹0 Cr
Cash Net Current Assets \| -	0%	₹0 Cr	00

9. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,077 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.18% (bottom quartile).
3Y return: 25.64% (bottom quartile).
1Y return: 18.24% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.15 (bottom quartile).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~8.5%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (27 Feb 26)	₹196.6 ↓ -1.81 (-0.91 %)
Net Assets (Cr)	₹8,077 on 31 Jan 26
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹16,042
31 Jan 23	₹19,152
31 Jan 24	₹29,825
31 Jan 25	₹34,393
31 Jan 26	₹36,891

ICICI Prudential Infrastructure 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 ICICI Prudential Infrastructure Fund

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

Duration	Returns
1 Month	5.1%
3 Month	-1%
6 Month	2.5%
1 Year	18.2%
3 Year	25.6%
5 Year	26.2%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	27.4%
2022	44.6%
2021	28.8%
2020	50.1%
2019	3.6%
2018	2.6%
2017	-14%
2016	40.8%
2015	2%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.67 Yr.
Sharmila D’mello	30 Jun 22	3.59 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Industrials	48.97%
Financial Services	12.33%
Utility	9.63%
Basic Materials	9.49%
Real Estate	6.53%
Energy	6%
Consumer Cyclical	2.03%
Communication Services	0.11%

Asset Allocation

Asset Class	Value
Cash	4.63%
Equity	95.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹690 Cr	1,755,704
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	8%	₹640 Cr	1,391,449 ↑ 275,091
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| NTPC	4%	₹332 Cr	9,326,448 ↓ -1,050,000
Oberoi Realty Ltd (Real Estate) Equity, Since 31 May 23 \| OBEROIRLTY	3%	₹253 Cr	1,696,181 ↑ 637,668
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹241 Cr	1,700,000
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹229 Cr	574,561 ↓ -37,559
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹221 Cr	1,931,967 ↑ 20,847
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	3%	₹217 Cr	2,424,016
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹213 Cr	1,529,725
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| AXISBANK	3%	₹209 Cr	1,527,307 ↓ -156,250

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 (₹6,556 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.12% (bottom quartile).
3Y return: 39.82% (bottom quartile).
1Y return: 82.55% (lower mid).
1M return: 0.23% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.55 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~99.8%).
Top-3 holdings concentration ~101.4%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (27 Feb 26)	₹60.8539 ↑ 0.60 (0.99 %)
Net Assets (Cr)	₹6,556 on 31 Jan 26
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	3.55
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 Jan 21	₹10,000
31 Jan 22	₹9,630
31 Jan 23	₹11,266
31 Jan 24	₹12,247
31 Jan 25	₹15,860
31 Jan 26	₹29,505

Kotak 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 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 26 Feb 26

Duration	Returns
1 Month	0.2%
3 Month	26.2%
6 Month	56.7%
1 Year	82.6%
3 Year	39.8%
5 Year	26.1%
10 Year
15 Year
Since launch	12.9%

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	14.87 Yr.
Jeetu Sonar	1 Oct 22	3.34 Yr.

Data below for Kotak Gold Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	1.63%
Other	98.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹6,544 Cr	502,813,962 ↑ 31,071,029
Triparty Repo CBLO/Reverse Repo \| -	1%	₹59 Cr
Net Current Assets/(Liabilities) Net Current Assets \| -	1%	-₹47 Cr

മ്യൂച്വൽ ഫണ്ട് SIP ഓൺലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?

Fincash.com-ൽ ആജീവനാന്ത സൗജന്യ നിക്ഷേപ അക്കൗണ്ട് തുറക്കുക.

നിങ്ങളുടെ രജിസ്ട്രേഷനും KYC പ്രക്രിയയും പൂർത്തിയാക്കുക

രേഖകൾ അപ്‌ലോഡ് ചെയ്യുക (പാൻ, ആധാർ മുതലായവ).കൂടാതെ, നിങ്ങൾ നിക്ഷേപിക്കാൻ തയ്യാറാണ്!

തുടങ്ങി

പതിവുചോദ്യങ്ങൾ

1. തുക ഡെബിറ്റ് ചെയ്യേണ്ട സമയം എനിക്ക് തിരഞ്ഞെടുക്കാനാകുമോ?

എ: ഇല്ല, നിങ്ങളിൽ നിന്ന് തുക ഡെബിറ്റ് ചെയ്യുന്ന കാലയളവ്ബാങ്ക് നിങ്ങൾ നിക്ഷേപിക്കാൻ തീരുമാനിച്ച SIP-യെ ആശ്രയിച്ചിരിക്കും അക്കൗണ്ട്. നിങ്ങൾക്ക് തിരഞ്ഞെടുക്കാംഒരു എസ്‌ഐപിയിൽ നിക്ഷേപിക്കുക ഒരു വർഷം മുതൽ 10+ വർഷം വരെ. SIP-യുടെ കാലാവധിയെ ആശ്രയിച്ച്, തുക നിങ്ങളുടെ അക്കൗണ്ടിൽ നിന്ന് കുറയ്ക്കും.

2. എസ്‌ഐ‌പിയുടെ കാലയളവും കാലാവധിയും ഒരേ കാര്യമാണോ?

എ: അതെ, അവർ ഒന്നുതന്നെയാണ്. നിങ്ങൾ ഓഫർ ഡോക്യുമെന്റ് വായിക്കുമ്പോൾ, SIP കാലാവധി ശ്രദ്ധാപൂർവ്വം പരിശോധിക്കുക, ഇത് നിങ്ങളുടെ അക്കൗണ്ടിൽ നിന്ന് അവർ പണം കുറയ്ക്കുന്ന കാലയളവ്/കാലാവധി എന്നിവയെ അറിയിക്കും. കാലാവധി തിരഞ്ഞെടുക്കുന്നത് പൂർണ്ണമായും നിക്ഷേപകന്റെ തിരഞ്ഞെടുപ്പാണ്.

3. SIP-കളുടെ കാലാവധി മാറ്റാനാകുമോ?

എ: SIP നിർബന്ധമാക്കുന്ന ഒരു പ്ലാൻ നിങ്ങൾ തിരഞ്ഞെടുത്തിട്ടുണ്ടെങ്കിൽ, നിങ്ങൾ ആ കാലാവധി പൂർത്തിയാക്കേണ്ടതുണ്ട്. കാലാവധി കഴിഞ്ഞാൽ മുഴുവൻ തുകയും പിൻവലിക്കാം. എന്നിരുന്നാലും, നിങ്ങൾക്ക് നിക്ഷേപം പുതുക്കണമെങ്കിൽ, കാലാവധി മാറ്റുകയും കൂടുതൽ വിപുലീകൃത മാൻഡേറ്റ് ഉള്ള മറ്റൊരു SIP തിരഞ്ഞെടുക്കുകയും ചെയ്യാം.

4. SIP-കൾക്കുള്ള നിക്ഷേപ തുക എനിക്ക് മാറ്റാനാകുമോ?

എ: ഫ്ലെക്സിബിൾ എസ്ഐപികളിൽ നിക്ഷേപിക്കാൻ നിങ്ങൾക്ക് തിരഞ്ഞെടുക്കാം. നിക്ഷേപ കാലയളവിൽ നിങ്ങൾക്ക് നിക്ഷേപിക്കാവുന്ന പണത്തിന്റെ തുക മാറ്റാൻ ഈ SIP-കൾ നിങ്ങളെ അനുവദിക്കുന്നു. നിങ്ങളുടെ കാലാവധിയിൽ, SIP-കളിൽ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന പണത്തിന്റെ തുക നിങ്ങൾക്ക് അനുസരിച്ച് മാറ്റാവുന്നതാണ്പണമൊഴുക്ക്.

5. ദീർഘകാല SIP-കൾ എന്തൊക്കെയാണ്?

എ: നിങ്ങൾ ഏകദേശം 5 മുതൽ 10 വർഷം വരെ നിക്ഷേപിക്കുന്ന ഒന്നാണ് ദീർഘകാല SIP. മികച്ച റിട്ടേൺ നൽകാൻ ദീർഘകാല SIP-കൾക്ക് കൂടുതൽ അവസരങ്ങളുണ്ട്.

6. കാലാവധിക്ക് മുമ്പ് എനിക്ക് ഒരു SIP-ൽ നിന്ന് പിൻവലിക്കാനാകുമോ?

എ: ഒരു എസ്‌ഐ‌പിയുടെ കാലാവധി പൂർത്തിയാകുന്നതിന് മുമ്പ് നിങ്ങൾ അതിൽ നിന്ന് പിന്മാറിയില്ലെങ്കിൽ അത് നല്ലതാണ്. ചിലപ്പോൾ നിക്ഷേപത്തിന് എക്‌സിറ്റ് ലോഡ് ഉണ്ടാകണമെന്നില്ല, പക്ഷേ അത് പൂർണ്ണമായും പ്രത്യേക എസ്‌ഐപിയെ ആശ്രയിച്ചിരിക്കുന്നു. നിങ്ങൾ നടത്തുന്ന നിക്ഷേപത്തെക്കുറിച്ച് നിങ്ങൾക്ക് ഉറപ്പില്ലെങ്കിൽ, ഒരു വർഷത്തേക്ക് 500 രൂപ മാത്രം നിക്ഷേപിച്ച് ചെറുതായി തുടങ്ങണം. നിങ്ങളുടെ റിസ്ക് എടുക്കുന്ന വിശപ്പ് വർദ്ധിക്കുന്നതിനനുസരിച്ച്, നിങ്ങളുടെ നിക്ഷേപം വർദ്ധിപ്പിക്കാൻ കഴിയും.

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.