Should I invest in Nippon India Gold Savings Fund Growth Plan?

We don't give personal investment advice. Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.4%. 5-year CAGR: 22.54%.

Nippon India

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

Latest NAV

₹55.8049

As of

17 Jul 2026

3,331 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.58%	-0.19%	-0.40	103 / 141	Q3
1W	-1.99%	-4.11%	+2.12	125 / 146	Q4
2W	-3.76%	-4.91%	+1.15	115 / 146	Q4
1M	-6.43%	-5.57%	-0.87	115 / 146	Q4
3M	-7.23%	-4.67%	-2.56	113 / 146	Q4
6M	-1.77%	-5.06%	+3.30	97 / 135	Q3
YTD	+4.68%	-1.86%	+6.54	24 / 130	Q1
1Y	+42.43%	+16.71%	+25.73	25 / 117	Q1
2Y	+35.96%	+9.84%	+26.12	21 / 86	Q1
3Y	+31.53%	+11.21%	+20.32	19 / 78	Q1
4Y	+27.52%	+9.00%	+18.52	12 / 69	Q1
5Y	+22.54%	+3.02%	+19.51	10 / 53	Q1
7Y	+20.49%	-0.04%	+20.53	9 / 39	Q1
10Y	+15.14%	-3.78%	+18.91	6 / 36	Q1
Inception	+10.53%	+10.47%	+0.06	74 / 146	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+4.68%	+2.06%	+2.61	24 / 124
2025	+70.85%	+36.63%	+34.22	20 / 86
2024	+19.09%	+17.92%	+1.17	20 / 74
2023	+13.78%	+19.60%	-5.81	43 / 70
2022	+12.64%	-5.29%	+17.93	8 / 60
2021	-5.38%	+15.46%	-20.84	47 / 48
2020	+27.42%	+14.30%	+13.12	4 / 41
2019	+22.22%	+11.39%	+10.82	6 / 38
2018	+5.85%	+3.51%	+2.35	14 / 36
2017	+3.21%	+12.36%	-9.15	30 / 36
2016	+12.10%	+9.81%	+2.29	5 / 36

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+13.20%

153 windows

min -15.7% · max 81.4%

77% positive

3-Year rolling

+10.86%

129 windows

min -6.8% · max 37.3%

88% positive

5-Year rolling

+10.40%

105 windows

min -2.2% · max 25.2%

90% positive

7-Year rolling

+11.20%

80 windows

min 2.7% · max 24.4%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

17.90%

3-year · annualised

Sharpe ratio

1.28

vs risk-free 6.5%

Sortino ratio

3.26

Downside-only deviation

Max drawdown

-24.41%

Jan 2026 → Mar 2026

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Fund of Funds - Domestic

Scheme	Fund house	NAV	As of
SBI GOLD FUND- DIRECT PLAN - GROWTH	SBI	₹42.7608	17 Jul 2026
ICICI Prudential Gold ETF FOF - Direct Plan - Growth	ICICI Prudential	₹44.7643	17 Jul 2026
Invesco India Gold ETF Fund of Fund - Direct Plan - Growth	Invesco	₹40.6924	17 Jul 2026
Bandhan Gold ETF FOF-Direct-Growth	Bandhan	₹9.1766	17 Jul 2026
Quantum Gold Savings Fund - Direct Plan Growth Option	Quantum	₹53.7762	17 Jul 2026
Aditya Birla Sun Life Gold Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹42.2570	17 Jul 2026
Mirae Asset Gold ETF Fund of Fund - Direct Plan - Growth	Mirae Asset	₹17.6730	17 Jul 2026
Kotak Gold Fund Growth - Direct	Kotak	₹56.5802	17 Jul 2026
Edelweiss Gold and Silver ETF FOF - Direct Plan - Growth	Edelweiss	₹31.7710	17 Jul 2026
DSP Gold ETF Fund of Fund - Direct - Growth	DSP	₹22.0719	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹55.8049
16 Jul 2026	₹56.1325
15 Jul 2026	₹56.0940
14 Jul 2026	₹55.8965
13 Jul 2026	₹56.3640
10 Jul 2026	₹56.9375
9 Jul 2026	₹57.0725
8 Jul 2026	₹56.3692
7 Jul 2026	₹57.1499
6 Jul 2026	₹57.5981

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option is ₹55.8049. It's a Fund of Funds - Domestic from Nippon India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option is managed by Nippon India. It's classified by AMFI under the 'Fund of Funds - Domestic' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option has delivered a absolute return of 42.43% — +25.73 pp ahead of the Fund of Funds - Domestic category average of 16.71%. The fund ranks #25 of 117 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option has delivered a CAGR of 31.53% — +20.32 pp ahead of the Fund of Funds - Domestic category average of 11.21%. The fund ranks #19 of 78 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option has delivered a CAGR of 22.54% — +19.51 pp ahead of the Fund of Funds - Domestic category average of 3.02%. The fund ranks #10 of 53 in its category — the top (Q1) quartile.

₹1 lakh invested in Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option exactly 10 years ago would be worth approximately ₹409,430 today — a multiplier of 4.09×, based on the 10-year CAGR of 15.14%. The category average over the same window would have grown ₹1 lakh to ₹68,052.

A ₹10,000 monthly SIP in Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹1,208,778 today. That's an XIRR (money-weighted annualised return) of 28.44%.

A ₹10,000 monthly SIP for 10 years in Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹3,441,140 (multiplier 2.87×). XIRR: 19.98%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option ranks #10 out of 53 funds in the Fund of Funds - Domestic category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.02%; this fund delivered 22.54%.

The worst peak-to-trough decline Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option has experienced over the last 5-year window is 24.41% — its NAV fell from a high on 29 Jan 2026 to a low on 23 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option averaged 10.40% (best 25.16%, worst -2.23%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is 0.97 — reasonable risk-adjusted performance.

In calendar year 2025, Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option returned 70.85% — beating the Fund of Funds - Domestic category average of 36.63% by 34.22 pp. It ranked #20 of 86 in its category that year.

Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.4%. 5-year CAGR: 22.54%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.