HealthyDirect · GrowthFit for a long SIP
Nippon India Gold Savings Fund
Nippon India Mutual FundOther Scheme - FoF Domestic13.8 years
The scheme seeks to provide returns that closely correspond to returns provided by R*Shares Gold BeES.
- NAV
- 56.4436
- 28 Oct 2026
- 1Y
- +20.8%
- Trailing CAGR
- AUM
- ₹7,353.12 Cr
- 30 Sept 2026
- Volatility
- Medium
- 15.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 28 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.06% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -24.7%. Ask whether you can hold through a similar fall.
Vs category
Watch
45% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Himanshu Mange · 2.9 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+20.8%
- 3Y+31.2%
- 5Y+22.9%
- 10Y+15.2%
- SI+10.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-3.0%
- 3Y+29.9%
- 5Y+26.9%
- 10Y+19.6%
- Since inception
- +10.4%
- Calendar-day CAGR
- Excess 1Y
- +17.2%
- Category median, same plan and option
- 3Y win rate
- +45%
- Windows beating the median
- 3Y percentile
- 86
- Vs comparable share classes
- SIP 3Y XIRR
- +29.9%
- Simulated monthly SIP
- Worst rolling 3Y
- -8.3%
- 2652 daily-ending windows
- Median rolling 3Y
- +10.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +92%
- 2159 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -24.7%
- Worst peak-to-trough
- Current
- -20.1%
- Below last peak
- Current spell
- 272 days
- Days below latest peak
- Time below peak
- +96%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 44 days
- 68 recovered episodes
- Longest recovery
- 1435 days
- Trough to prior peak
4 Sept 2013 – 11 Jul 2019
Trough 6 Aug 2015 · recovered in 1435 days
-24.7%
29 Jan 2026 – open
Trough 23 Mar 2026 · not recovered
-24.4%
7 Aug 2020 – 1 Feb 2023
Trough 31 Mar 2021 · recovered in 672 days
-22.3%
3 Jan 2013 – 27 Aug 2013
Trough 28 Jun 2013 · recovered in 60 days
-20.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
86
Vs category
100
Consistency
48
Risk-adjusted
43
Drawdown
38
Mean
63
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Three-year return is above the category median.
Portfolio
30 Sept 2026 · 2 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- 100.0%
- Effective holdings
- 1.0
Nippon India ETF Gold BeES IDCW
Unspecified
100.0%
Repo
Unspecified
0.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Multi Asset Omni FOF
Kotak Mahindra Mutual Fund
- 1Y
- -1.8%
- 3Y
- +13.5%
- Vol
- 10.3%
- Max DD
- -22.8%
- Sharpe
- 0.85
- 3Y win
- +98%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Bandhan Aggressive Hybrid Passive FOF
Bandhan Mutual Fund
- 1Y
- -1.0%
- 3Y
- +11.2%
- Vol
- 10.3%
- Max DD
- -29.0%
- Sharpe
- 0.46
- 3Y win
- +56%
- Lower volatility
- Higher win rate vs category
Caveat: Deeper drawdown · Higher TER · Lower trailing returns
Bandhan Conservative Hybrid Passive FOF
Bandhan Mutual Fund
- 1Y
- -0.6%
- 3Y
- +6.9%
- Vol
- 3.5%
- Max DD
- -9.8%
- Sharpe
- 0.65
- 3Y win
- +26%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BHARAT Bond ETF FOF - April 2033
Edelweiss Mutual Fund
- 1Y
- +1.0%
- 3Y
- +6.7%
- Vol
- 4.4%
- Max DD
- -4.3%
- Sharpe
- 0.19
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BHARAT Bond FOF- April 2031
Edelweiss Mutual Fund
- 1Y
- +1.8%
- 3Y
- +6.9%
- Vol
- 3.2%
- Max DD
- -3.8%
- Sharpe
- -0.06
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns