Nippon India Gold Savings Fund
Nippon India Mutual Fund · Domestic FoF · Regular plan, growth option
NAV (₹), 1 Oct 2026
55.8259
1-day change
-0.13%
1Y return
23.9%
3Y CAGR
34.6%
5Y CAGR
24.3%
Max drawdown, 5Y
−24.4%
NAV history month-end NAV, ₹ · 11 Mar 2011 to 1 Oct 2026
Returns vs Domestic FoF median (159 schemes) and “Gold FoF” median (23)
| Period | Scheme | Category median | Gold FoF median |
|---|---|---|---|
| 1 month | -3.1% | -3.7% | -3.1% |
| 3 months | 5.1% | -1.1% | 5.1% |
| 6 months | -1.7% | 3.0% | -1.7% |
| Year to date | 10.0% | 1.8% | 9.7% |
| 1 year | 23.9% | 4.9% | 23.6% |
| 3 years (CAGR) | 34.6% | 12.3% | 34.6% |
| 5 years (CAGR) | 24.3% | 9.8% | 24.3% |
| 7 years (CAGR) | 20.2% | 13.3% | 20.2% |
| 10 years (CAGR) | 15.0% | 11.0% | 15.2% |
| Since first NAV (CAGR) | 11.7% | – | – |
“Gold FoF” is MFIC's grouping of Domestic FoF schemes by the theme or index in their names, not an AMFI category.
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.2% | 8.6% |
| 3Y rolling median | 7.4% | 12.8% |
| 3Y rolling worst | -9.6% | 4.8% |
| 3Y periods positive | 79% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 10.0% | 10.8% |
| 5Y rolling worst | -3.6% | 4.1% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 20.1% | 14.1% |
| Sharpe ratio | 1.28 | 0.60 |
| Sortino ratio | 2.76 | 0.89 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −27.4% | −19.6% |
| Maximum drawdown, last 10Y | −24.4% | −23.7% |
| Maximum drawdown, last 5Y | −24.4% | −15.1% |
| Current drawdown | −17.2% | −8.3% |
| Recovery time of worst fall | 1314 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 0.25% a year and the Direct plan's 0.06%, a gap of 0.19%; over the last 3 years the Direct plan returned 0.29 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹5,17,410.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Himanshu Mange | FM 1 Primary | 23 Dec 2023 |
Objective: The investment objective of the Scheme is to seek to provide returns that closely correspond to returns provided by Nippon India ETF Gold BeES.
Stated asset allocation: Units of Nippon India ETF Gold BeES 95-100% Reverse repo and /or Tri-Party Repo on Government Securities or T-bills and/or short-term fixed deposits and/or Schemes which invest predominantly in the money market securities or Liquid Schemes* 0-5% *The Fund Manager may invest in Liquid Schemes of Nippon India Mutual Fund. However, the Fund Manager may invest in any other scheme of a mutual fund registered with SEBI, which invest predominantly in the money market securities.
Benchmark (tier 1): Domestic Price of Gold
Exit load: 1% - If redeemed or switched out on or before completion of 15 days from the date of allotment of units, Nil - If redeemed or switched out after the completion of 15 days from the date of allotment of units w.e.f October 01, 2012, exit load if charged to the scheme shall be credited to the scheme immediately net of service tax, if any.
Minimum application: ₹100
Allotment date: 7 Mar 2011
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 0.25% | 0.59% |
| AUM, whole scheme (₹ crore) | 7,353 | 225 |
| Riskometer | High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Month-ends above category median (3Y CAGR) | 45% | 53% median |
| Month-ends in category top quartile (3Y) | 26% | 25% median |
| 7Y rolling CAGR, median (monthly windows) | 8.1% | 9.0% median |
Official benchmark: Gold Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Domestic FoF Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 10.0% | n/a | – |
| 2025 | 71.2% | n/a | – |
| 2024 | 19.0% | n/a | – |
| 2023 | 14.3% | n/a | – |
| 2022 | 12.3% | n/a | – |
| 2021 | -5.5% | n/a | – |
| 2020 | 26.6% | n/a | – |
| 2019 | 22.5% | n/a | – |
| 2018 | 6.0% | n/a | – |
| 2017 | 1.7% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,25,285 | 8.3% |
| 3 years | ₹3,60,000 | ₹5,82,707 | 33.9% |
| 5 years | ₹6,00,000 | ₹12,16,333 | 28.7% |
| 10 years | ₹12,00,000 | ₹34,72,184 | 20.1% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Domestic FoF
Plan / option: Regular · Growth
AMFI scheme code: 114616
ISIN: INF204K01KN0
First NAV in MFIC data: 11 Mar 2011
History: 15.6 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| ICICI Prudential Gold ETF FOF | Domestic FoF | 1.00 | 34.8% |
| Tata Gold ETF Fund of Fund | Domestic FoF | 1.00 | n/a |
| Aditya Birla Sun Life Gold Fund | Domestic FoF | 1.00 | 34.6% |
| SBI GOLD FUND | Domestic FoF | 0.99 | 34.9% |
| HDFC Gold ETF Fund of Fund | Domestic FoF | 0.99 | 34.6% |
| DSP Gold ETF Fund of Fund | Domestic FoF | 0.99 | n/a |
Questions about Nippon India Gold Savings Fund
- What is the latest NAV of Nippon India Gold Savings Fund?
- The NAV of the Regular plan (growth option) was ₹55.8259 on 1 Oct 2026, as published by AMFI.
- Which category is Nippon India Gold Savings Fund in?
- It is classified as Domestic FoF in AMFI's daily NAV file. MFIC compares it with 159 Domestic FoF schemes (Regular plans).
- What returns has Nippon India Gold Savings Fund delivered?
- Over one year the NAV changed by 23.9%. The 3-year CAGR is 34.6% (category median 12.3%) and the 5-year CAGR is 24.3% (category median 9.8%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 7.4%, the lowest was -9.6%, and 79% of 3-year periods ended with a gain.
- What was the largest fall in Nippon India Gold Savings Fund's NAV?
- The largest peak-to-trough fall in its available history was 27.4%; within the last five years it was 24.4% (category median 15.1%).
- How volatile is Nippon India Gold Savings Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 20.1%, which is above the Domestic FoF category median of 14.1%.
- What would a monthly SIP in Nippon India Gold Savings Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹12,16,333 on 1 Oct 2026, an annualised return (XIRR) of 28.7%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Nippon India Gold Savings Fund?
- The total expense ratio of the Regular plan is 0.25% a year, as disclosed to AMFI (median of Domestic FoF Regular plans: 0.59%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Nippon India Gold Savings Fund?
- Assets under management of the whole scheme were ₹7,353 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Nippon India Gold Savings Fund?
- AMFI lists the scheme's riskometer as “High”, and its benchmark's as “High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- How often has Nippon India Gold Savings Fund beaten its category?
- At 45% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Domestic FoF schemes (Regular plans); it was in the top quarter at 26% of them. A typical scheme would show about 50%.
- Who manages Nippon India Gold Savings Fund?
- According to its Scheme Summary Document, Nippon India Gold Savings Fund is managed by Himanshu Mange (since 23 Dec 2023).
- What is the exit load of Nippon India Gold Savings Fund?
- As stated in its scheme documents: 1% - If redeemed or switched out on or before completion of 15 days from the date of allotment of units, Nil - If redeemed or switched out after the completion of 15 days from the date of allotment of units w.e.f October 01, 2012, exit load if charged to the scheme shall be credited to the scheme immediately net of service tax, if any. Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Nippon India Gold Savings Fund?
- The minimum application amount is ₹100. SIP details: SIP Details: Rs.100/- per month (minimum 60 months) Rs.500/- per month (minimum 12 months) Rs.1000/- per month (minimum 6 months) Rs. 500/- per quarter (minimum 12 quarters) Rs.1500/- per quarter (minimum 4 quarters) Rs. 5000/- per year (minimum 2 years) , SWP Details 500 , STP Details: Daily- Minimum of Rs. 100 Weekly / Fortnight / Monthly option - Rs. 1000 Quarterly - Rs. 3000 Capital Appreciation STP: Monthly/ Quarterly - Rs. 500.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 24.2% and the Regular plan's by 23.9%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
Follow Nippon India Gold Savings Fund by email
Every Monday: this scheme's NAV, 1-month and 1-year return beside its category median, 3-year CAGR and how far it is below its peak. Add more schemes from their pages or from your MFIC watchlist. Free; unsubscribe from any email.
Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.