Skip to content
OnePaisa — Smart Finance for India
Nippon India Mutual Fund

Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option

3Y returns
34%
past performance*
5Y returns
24.3%
past performance*
0.13%Expense ratio
₹7.2K CrFund size
Apply Now →CompareView full details

A licensed partner advisor will guide you — free, no PAN or bank details needed now.

*Past performance does not guarantee future returns. Returns are historical and subject to market risk.

NAV₹56.55
1D—
Expense0.13%
AUM₹7.2K Cr
Min SIP₹500
Min Lumpsum₹100

Trailing returns (CAGR)

1W1M3M6M1Y3Y5Y10Y
-0.69%+3.88%-2.73%+23.30%+53.65%+33.96%+24.27%+16.57%

🎯 OnePaisa Verdict

8.4/ 10
Good

Breakdown

  • Returns10/10
  • Consistency6/10
  • Risk8/10
  • Cost10/10
  • Size8/10
  • Top quartile performer — ranked #3 of 18 in category
  • Very low expense ratio (0.13%) — more of your money compounds for you
  • Strong risk-adjusted returns — Sharpe ratio 1.68
  • Beats category average by 42.3% (1Y)

💡 Ratings are not guarantees. Past performance does not predict future results.

SIP Returns

Simulated ₹10,000/month systematic investment plan, computed from NAV history.

1 Year SIP

+61.93%

₹1.69 L value on ₹1.20 L invested

3 Year SIP

—

Not enough NAV history yet.

5 Year SIP

—

Not enough NAV history yet.

vs Category (Other)

This fund (1Y)

+53.65%

Rank #3 of 18

Category average (1Y)

+11.33%

Quartile Q1 ★ Top 25%

Beats 83% of other funds on 1Y return.

Risk Analysis

  • Std Deviation (1Y)28.14%High
  • Max Drawdown (1Y)-24.41%High
  • Sharpe Ratio (1Y)1.68Good
  • Sortino Ratio (1Y)1.57Good

💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.

Calendar Year Returns

+39.14%
2025
+12.05%
2026

🚨 Things to Watch

No red flags detected

This fund scores reasonably across returns, risk, and costs. Always cross-check with your own goals before investing.

📊 SIP Calculator — Nippon India Gold Savings Fund Growth Plan Option

Estimated corpus

₹5.86 L

Total invested
₹3.00 L
Estimated gain
₹2.86 L (+95%)
▮ Invested▮ Gains

How it stacks up vs alternatives

  • Fixed Deposit (7%)₹3.60 L
  • Category average (16.0%)₹4.61 L
  • This fund (24.27%)₹5.86 L

⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.

▶Show Advanced Analysis

📈 Risk vs Return

Return 53.6% · Risk (std dev) 28.1%

SweetGrowthSlowAvoidLow riskHigh risk

Growth at a cost

Strong returns but volatile — only for high-risk-tolerance investors.

Sharpe ratio of 1.68 confirms good risk-adjusted returns.

🛡️ Downside Protection

If the broader market falls 20%, this fund is expected to fall about 32.5%.

Based on 1Y max drawdown of -24.4% versus a typical market correction of ~-15%. Historical fall ratio ≈ 1.63× market. Below-average protection.

⚠️ Estimate, not a guarantee. Actual market falls vary.

💸 Expense Impact (₹10K/month for 20 years at 12% gross)

  • This fund — Direct (0.13%)₹98.17 L
  • Index fund (0.10%)₹98.57 L
  • Regular plan (~1.50%)₹81.76 L

Choosing this Direct plan over a Regular plan saves about ₹16.41 L. Index fund would still beat it by ₹39,915 thanks to its lower expense ratio.

Fund information

Scheme category
Other Scheme - FoF Domestic
Benchmark
Domestic Price of Gold
Inception
2013-01-01
Lock-in
None
Plan
Direct
Option
Growth

Data freshness

  • NAV as of: 2026-10-22
  • Metrics calculated: 2026-10-23
  • Source: mfapi.in, AMFI India

NAV trend

See how a SIP grows in this fund

Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.

SIP CalculatorCompare similar funds

Similar Other funds