Should I invest in NIPPON INDIA GOLD SAVINGS FUND?

We don't give personal investment advice. NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW 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 - IDCW 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%	-0.15%	-0.43	98 / 125	Q4
1W	-1.99%	-4.47%	+2.48	115 / 130	Q4
2W	-3.76%	-5.11%	+1.35	106 / 130	Q4
1M	-6.43%	-5.39%	-1.04	108 / 130	Q4
3M	-7.23%	-4.67%	-2.56	108 / 130	Q4
6M	-1.77%	-5.19%	+3.42	86 / 122	Q3
YTD	+4.68%	-2.99%	+7.67	18 / 120	Q1
1Y	+42.43%	+12.27%	+30.17	20 / 111	Q1
2Y	+35.96%	+6.29%	+29.67	16 / 84	Q1
3Y	+31.53%	+6.43%	+25.10	12 / 73	Q1
4Y	+27.52%	+5.33%	+22.19	9 / 68	Q1
5Y	+22.54%	-0.23%	+22.77	7 / 55	Q1
7Y	+20.49%	-3.52%	+24.01	8 / 38	Q1
10Y	+15.14%	-6.57%	+21.71	5 / 34	Q1
Inception	+10.53%	+8.45%	+2.08	52 / 130	Q2

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%	+1.22%	+3.46	18 / 114
2025	+70.85%	+30.86%	+39.99	16 / 83
2024	+19.09%	+13.06%	+6.03	14 / 69
2023	+13.78%	+14.87%	-1.09	32 / 68
2022	+12.64%	-5.59%	+18.22	7 / 59
2021	-5.38%	+10.93%	-16.32	49 / 51
2020	+27.42%	+10.64%	+16.78	4 / 39
2019	+22.22%	+9.45%	+12.77	5 / 34
2018	+5.85%	+1.74%	+4.11	13 / 35
2017	+3.21%	+9.33%	-6.12	24 / 32
2016	+12.10%	+7.23%	+4.87	4 / 31

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
HDFC Gold ETF Fund of Fund - Direct Plan	HDFC	₹43.7010	17 Jul 2026
SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹42.6993	17 Jul 2026
ICICI Prudential Gold ETF FOF - Direct Plan - IDCW	ICICI Prudential	₹44.7685	17 Jul 2026
Invesco India Gold ETF Fund of Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹40.6301	17 Jul 2026
Aditya Birla Sun Life Gold Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹42.2555	17 Jul 2026
Motilal Oswal Gold and Silver Passive Fund of Funds(Direct Plan)	Motilal Oswal	₹28.6857	17 Jul 2026
Mirae Asset Gold ETF Fund of Fund - Direct Plan - IDCW	Mirae Asset	₹17.6720	17 Jul 2026
Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct	Kotak	₹56.5797	17 Jul 2026
Edelweiss Gold and Silver ETF FOF - Direct Plan - IDCW	Edelweiss	₹31.7710	17 Jul 2026
DSP Gold ETF Fund of Fund - Direct - IDCW	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 - IDCW Option is ₹55.8049. It's a Fund of Funds - Domestic from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW 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 - IDCW 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 - IDCW Option has delivered a absolute return of 42.43% — +30.17 pp ahead of the Fund of Funds - Domestic category average of 12.27%. The fund ranks #20 of 111 in its category — the top (Q1) quartile.

Over the trailing 3-year window, NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW Option has delivered a CAGR of 31.53% — +25.1 pp ahead of the Fund of Funds - Domestic category average of 6.43%. The fund ranks #12 of 73 in its category — the top (Q1) quartile.

Over the trailing 5-year window, NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW Option has delivered a CAGR of 22.54% — +22.77 pp ahead of the Fund of Funds - Domestic category average of -0.23%. The fund ranks #7 of 55 in its category — the top (Q1) quartile.

₹1 lakh invested in NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW 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 ₹50,679.

A ₹10,000 monthly SIP in NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW 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 - IDCW 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 - IDCW Option ranks #7 out of 55 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 -0.23%; this fund delivered 22.54%.

The worst peak-to-trough decline NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW 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 - IDCW 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 - IDCW Option returned 70.85% — beating the Fund of Funds - Domestic category average of 30.86% by 39.99 pp. It ranked #16 of 83 in its category that year.

NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW 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 - IDCW 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.