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Gold mutual funds allow investors to gain exposure without holding the metal physically, making them convenient and highly accessible.
These funds can act as a hedge during market volatility, offering stability and long-term wealth preservation benefits.
In 2026, gold funds continue to trend over inflation worries, global uncertainty, and rising demands for safe-haven assets.
Gold never lost its charm in India’s investment culture, and in 2026, interest in the metal continues to rise. Gold mutual funds are a great option for easy investments without worrying about storage, purity checks, or physical purchases. Concerns around global inflation and economic fluctuations are highly influencing investor sentiment; therefore, many look at gold funds as a gateway for a diversified portfolio.
This fund is mostly invested in gold ETFs; it simplifies monitoring gold prices without physical ownership, known for its liquidity, simple structure, and consistent correlation with market performance. Investors often add this name to their watchlists over its long-term stability and transparent investment framework.
Also read: Top international mutual funds in India 2025
The HDFC Gold Fund offers gold-specific investment options through a professionally managed structure. It is beginner-friendly with adequate exposure, aiming to reflect the price trends by investing in the underlying ETFs. With a sturdy approach and consistent performance records, this fund attracts long-term investors.
This SBI fund offers easy and convenient gold investment through Systematic Investment Plans (SIPs) and lump-sum contributions. Physical gold storage is no longer a concern; it seeks to capture the long-term upward trends by allocating more than half of its investments to gold ETFs.
The fund is ideal for conservatives wanting a link to the gold market. Its easy-going processes and availability standards ensure a stable position in your investing watchlist.
The primary objective of ICICI is in gold-related ETFs, offering the benefits of price appreciation while allowing every user to invest. Digital transactions in professionally managed gold are highly preferred; renowned for its disciplined management and stability in uncertain market cycles, this ICICI fund can be a top choice.
In 2026, gold mutual funds will remain one of the most convenient ways to invest in the metal, particularly for investors seeking 'hands-off' benefits from diversification. The Nippon India Gold Savings Fund is popular for its strong performance, while HDFC and Kotak offer you reliability and ease of use.
The SBI and ICICI Prudential funds are still relevant among long-term investors with stable management, ideal for tracking day-to-day gold prices. These options can reinforce a diversified portfolio, but you still need to map out your financial goals, time horizon, and risk tolerance before opting for these opportunities.
1. What is a gold mutual fund?
These mutual funds are an investment in gold ETFs, allowing you to participate without buying the metal physically.
2. Are gold mutual funds safe?
Gold is often seen as a protective investment sector during periods of inflation or market downturns. Consequently, these mutual funds are considered relatively stable, but they do experience certain price fluctuations.
3. Is it better to buy digital gold or gold mutual funds?
These two products have different structures; gold mutual funds provide professional management and SIP options, while digital gold grants fractional ownership – the choice depends on personal preferences.
4. Can users start investing with a small amount?
Indeed, the majority of these gold mutual funds allow investors to access SIPs with lower minimum amounts, making it easier for beginners to join the industry.
5. Do gold funds guarantee returns?
Not at all. Gold price movements determine returns; they are never assured but usually perform better in uncertain times, especially when the market value is less protected.
