2026 SBI Gold Mutual Fund: SBI Gold Mutual Fund is a popular option for investors who want exposure to gold without buying physical metal. It helps people invest in gold through a simple and secure financial product managed by SBI Mutual Fund.
This fund mainly invests in gold through exchange traded funds and tracks gold price movements. It is suitable for long-term investors looking to diversify their portfolio and protect against inflation while avoiding the risks of storing physical gold.
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SBI Gold Mutual Fund Investment Objective and Strategy
SBI Gold Mutual Fund aims to provide returns that closely match the price of gold over time. It achieves this by investing primarily in the SBI Gold ETF, which tracks domestic gold prices.
The strategy focuses on offering a convenient way to invest in gold without purchasing jewellery or coins. It is designed for long-term investment and portfolio diversification rather than regular income.
Latest NAV and Fund Performance Details
The latest Net Asset Value of SBI Gold Mutual Fund generally stays around ₹44 to ₹46 per unit as of early 2026. The NAV changes daily based on fluctuations in gold prices in the market.
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The fund has delivered strong performance in recent years due to rising gold prices. Returns have been influenced by market demand, global economic conditions, and changes in gold value.
2026 SBI Gold Mutual Fund: Overview Table
| Key Information | Details |
|---|---|
| Fund Name | SBI Gold Fund |
| Fund Type | Gold / Commodity Mutual Fund |
| Fund House | SBI Mutual Fund |
| Launch Date | 12 September 2011 |
| Risk Level | Very High |
| Benchmark | Domestic Gold Price |
| Lock-in Period | No Lock-in |
| Minimum SIP | ₹500 per month |
| Lump Sum Investment | ₹5,000 (varies by platform) |
| Expense Ratio | Around 0.10% to 0.42% |
| Exit Load | 1% within 15 days, none after |
| AUM | Around ₹10,700+ crore |
Minimum Investment Requirements and Accessibility
Investors can start investing in SBI Gold Mutual Fund with a small amount. The minimum SIP typically starts from ₹500 per month, making it suitable for beginners.
For lump sum investments, the minimum amount is usually around ₹5,000, depending on the platform. This flexibility allows investors to enter the gold market easily.
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Expense Ratio and Fund Management Costs Explained
The expense ratio of the fund varies depending on the plan selected by the investor. Direct plans usually have a lower expense ratio compared to regular plans.
The range generally stays between about 0.10% and 0.42%. Lower expenses help improve overall returns for investors over the long term.
Assets Under Management and Fund Size Growth
The fund manages assets worth around ₹10,700 crore, showing strong investor interest. A large asset base reflects trust and stability in the fund’s performance.
Higher AUM also indicates that many investors consider it a reliable way to gain gold exposure. It also helps in maintaining efficient fund management.
Returns History and Long Term Performance Trends
The fund has shown strong performance when gold prices rise. In recent periods, one year returns have been very high due to increased demand for gold.
Over longer periods like three and five years, the fund has delivered steady annual returns. Since its launch in 2011, the average return has been around 10 to 11 percent.
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Exit Load Rules and Redemption Process
The fund charges an exit load of 1% if units are redeemed within 15 days of investment. This encourages investors to stay invested for a slightly longer period.
After 15 days, investors can redeem their units without any exit charges. The redemption amount is based on the NAV on the day of withdrawal.
Taxation Rules for Gold Mutual Fund Investments
Taxation on SBI Gold Mutual Fund depends on the holding period and investor’s income slab. Gains are taxed according to capital gains rules in India.
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Short term gains are taxed as per the investor’s income tax slab. Long term gains are taxed based on the applicable rules for gold-related investments.
Benefits and Risks of Investing in SBI Gold Fund
This fund offers the benefit of investing in gold without storage or security concerns. It helps diversify a portfolio and acts as a hedge against inflation.
However, the fund carries very high risk because returns depend completely on gold price movements. It may not provide stable or regular income like other mutual funds.
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