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Gold Funds Lead Three-Year SIP Rankings as Equity Funds Follow
The article compares how different mutual funds performed for people investing a fixed amount every month.
Gold funds performed much better than the equity funds over the three-year period studied.
SBI Gold Fund had a return of 44.11%, while Axis Gold Fund had 43.84%.
The best equity funds earned roughly 20% to 21%.
Investing ₹10,000 each month in SBI Gold Fund would have grown to ₹6.59 lakh after three years.
The same investment in many leading equity funds would have grown to about ₹4.90 lakh.
However, results changed over one year.
Bank of India Small Cap Fund had the best one-year result at 50.13%.
SBI Gold Fund delivered the highest three-year SIP return at 44.11%, narrowly ahead of Axis Gold Fund at 43.84%.
The next eight funds, spanning healthcare, small-cap and mid-cap categories, returned between 19.57% and 21.36%.
A ₹10,000 monthly SIP for 36 months grew to ₹6.59 lakh in SBI Gold Fund and ₹6.57 lakh in Axis Gold Fund.
The same monthly investment accumulated about ₹4.90 lakh in the leading equity funds listed.
Bank of India Small Cap Fund had the highest one-year SIP return among the analyzed funds, at 50.13%.
- Who
- Investors and the mutual funds analyzed, including SBI Gold Fund, Axis Gold Fund and several equity schemes.
- What
- A comparison of three-year SIP returns, investment values and one-year SIP performance.
- Where
- The article concerns mutual funds and SIP investments denominated in Indian rupees.
- When
- The three-year data was reported as of 24 August 2026; the SIP period covered 36 months.
- Why
- To compare which funds delivered the strongest recent SIP returns and show the difference in accumulated values.
Key facts
- Top three-year performer
- SBI Gold Fund, with a 44.11% SIP return
- Second three-year performer
- Axis Gold Fund, with a 43.84% SIP return
- Top equity performer over three years
- SBI Healthcare Opportunities Fund and Bank of India Small Cap Fund, both at 21.36%
- Three-year contribution example
- ₹10,000 per month for 36 months equals total contributions of ₹3.6 lakh
- Highest accumulated value
- ₹6.59 lakh in SBI Gold Fund under the monthly SIP example
- Highest one-year SIP return
- Bank of India Small Cap Fund at 50.13%
- Data source and date
- Value Research; data as of 24 August 2026
Sources
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