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Best Gold Or Silver Commodity Funds in 2025

What are Commodity: Gold Or Silver funds?


Funds Included All Fund Returns
(3Y annualised)
Top 5 fund Returns
(3Y annualised)
32 36.04% 40.13%

This fund category is an example of Commodity Schemes – Funds Investing in Gold, Silver or Both.

Commodity schemes invest primarily in commodities such as gold and silver, either through physical holdings or commodity-related instruments. Gold Exchange Traded Funds (Gold ETFs) and Silver ETFs provide a convenient way to gain exposure to precious metals without physical ownership. These funds can help diversify a portfolio and serve as a hedge against inflation or market volatility. Suitable for investors seeking diversification through non-equity, non-debt assets.

Trailing returns for Commodity: Gold Or Silver funds

These are average returns over the indicated period.

Monthly trailing returns:
Nov-2025Oct-2025Sep-2025Aug-2025Jul-2025Jun-2025
1.68%3.31%16.74%4.77%3.30%3.97%

Quarterly trailing returns:
2025Q42025Q32025Q22025Q12024Q42024Q3
5.04%26.38%6.54%16.21%-1.79%3.64%

Yearly trailing returns:
202520242023202220212020
63.71%17.92%11.71%12.74%-4.92%27.15%

Rolling returns for Commodity: Gold Or Silver funds

SIP
10% Step-up SIP
Lump sum
SWP
10% Step-up SWP
Metric Any 1Y SIPAny 2Y SIPAny 3Y SIPAny 5Y SIPAny 7Y SIPAny 10Y SIP
Minimum4.6%30.9%14.88%-0.07%16.17%14.56%
Median34.05%43.73%26.87%12.75%18.23%15.33%
Maximum85.27%62.6%45.96%26.1%20.9%16.13%
Risk20.48%7.91%7.88%7.0%0.89%0.37%
Sharpe Ratio132.1%464.66%252.19%82.11%1260.26%2277.73%
Data as of 14-Dec-2025
Metric Any 1Y SIPAny 2Y 目↑ SIPAny 3Y 目↑ SIPAny 5Y 目↑ SIPAny 7Y 目↑ SIPAny 10Y 目↑ SIP
Minimum4.6%41.26%39.47%28.52%23.85%20.12%
Median34.05%51.95%45.23%30.1%24.84%20.81%
Maximum85.27%66.89%50.4%31.48%25.81%21.45%
Risk20.48%6.73%2.92%0.7%0.46%0.32%
Sharpe Ratio132.1%668.14%1310.83%3279.92%3853.4%4314.73%
Data as of 14-Dec-2025
Metric Any 1YAny 2YAny 3YAny 5YAny 7YAny 10Y
Minimum4.74%24.37%11.27%-2.2%12.65%11.28%
Median29.27%32.84%21.28%11.41%15.41%12.12%
Maximum68.38%49.1%36.33%20.68%17.2%13.1%
Risk15.51%5.96%6.15%5.98%0.97%0.51%
Sharpe Ratio143.63%433.23%232.33%73.71%863.2%1001.68%
Data as of 14-Dec-2025
Metric Any 1Y SWPAny 2Y SWPAny 3Y SWPAny 5Y SWPAny 7Y SWPAny 10Y SWP
Minimum-1.71%13.48%3.69%-4.22%7.9%6.55%
Median24.24%22.19%13.99%6.74%11.85%7.63%
Maximum57.48%33.52%26.08%18.8%17.71%9.3%
Risk14.37%4.74%6.16%5.72%1.97%0.74%
Sharpe Ratio119.95%320.42%113.5%-4.57%246.34%84.88%
Data as of 14-Dec-2025
Metric Any 1Y SWPAny 2Y 目↑ SWPAny 3Y 目↑ SWPAny 5Y 目↑ SWPAny 7Y 目↑ SWPAny 10Y 目↑ SWP
Minimum-1.71%20.7%19.78%8.11%16.03%11.36%
Median24.24%26.54%21.33%8.77%16.8%11.7%
Maximum57.48%32.63%24.01%9.37%17.35%12.05%
Risk14.37%2.97%1.21%0.31%0.37%0.19%
Sharpe Ratio119.95%658.31%1187.8%568.81%2649.81%2513.74%
Data as of 14-Dec-2025

Fundwise SIP, Lumpsum and SWP returns


Rolling SIP returns (less than 1 year)
Fund Any 1M SIPAny 3M SIPAny 6M SIP
Tata Gold ETF Fund33.22%39.63%39.33%
Angel One Gold ETF FOF Fund53.04%90.74%0%
Aditya Birla Sun Life Silver ETF FOF Fund704.92%268.13%226.37%
Axis Gold Fund89.9%95.12%86.86%
SBI Gold Fund95.48%96.6%88.25%
Groww Silver ETF FOF Fund94.71%141.58%201.68%
Zerodha Silver ETF FOF Fund162.76%173.27%0%
HDFC Silver ETF Fund90.2%50.74%20.81%
Nippon India Silver ETF FOF Fund648.24%269.95%227.25%
Mirae Asset Gold Silver Passive FOF Fund133.66%175.15%0%
Axis Silver Fund581.99%259.13%219.22%
Quantum Gold Savings Fund99.38%94.47%87.1%
Tata Silver ETF Fund41.63%50.43%23.33%
DSP Gold ETF Fund28.83%39.89%36.25%
Union Gold ETF Fund43.95%58.44%77.64%
LIC MF Gold ETF Fund22.81%34.26%44.94%
Kotak Silver ETF Fund582.14%259.18%207.23%
UTI Silver ETF Fund29.58%28.5%46.71%
Nippon India Gold Savings Fund98.64%95.26%87.04%
Kotak Gold Silver Passive FOF Fund390.17%0%0%
ICICI Prudential Silver ETF Fund646.88%268.27%227.22%
Aditya Birla Sun Life Gold Fund103.5%92.92%87.64%
Baroda BNP Paribas Gold ETF Fund99.52%92.2%0%
Invesco India Gold ETF Fund81.93%78.86%80.2%
SBI Silver ETF Fund44.46%60.52%48.78%
Kotak Gold Fund101.73%96.04%87.54%
Zerodha Gold ETF FOF Fund42.07%64.49%57.98%
UTI Gold ETF Fund56.34%51.59%40.26%
Edelweiss Gold And Silver ETF FOF Fund293.85%172.84%152.82%
Groww Gold ETF FOF Fund37.73%64.99%55.91%
DSP Silver ETF Fund121.22%162.65%211.78%
Mirae Asset Gold ETF Fund37.54%67.54%58.85%
Data as of 14-Dec-2025

Note: Returns for less than one year are annualised. However, given the nature of the calculation, XIRR for such periods are not meaningful.

Rolling SIP returns (1 year or more):

Fund Any 1Y SIPAny 3Y SIPAny 5Y SIP
Tata Gold ETF Fund41.52%0%0%
Angel One Gold ETF FOF Fund0%0%0%
Aditya Birla Sun Life Silver ETF FOF Fund20.97%52.11%0%
Axis Gold Fund4.84%6.68%10.94%
SBI Gold Fund4.35%6.57%10.81%
Groww Silver ETF FOF Fund0%0%0%
Zerodha Silver ETF FOF Fund0%0%0%
HDFC Silver ETF Fund20.83%44.32%0%
Nippon India Silver ETF FOF Fund21.46%52.15%0%
Mirae Asset Gold Silver Passive FOF Fund0%0%0%
Axis Silver Fund102.45%51.52%0%
Quantum Gold Savings Fund9.68%9.66%12.63%
Tata Silver ETF Fund32.11%0%0%
DSP Gold ETF Fund39.14%0%0%
Union Gold ETF Fund0%0%0%
LIC MF Gold ETF Fund36.78%0%0%
Kotak Silver ETF Fund25.62%0%0%
UTI Silver ETF Fund25.69%0%0%
Nippon India Gold Savings Fund11.07%12.62%12.31%
Kotak Gold Silver Passive FOF Fund0%0%0%
ICICI Prudential Silver ETF Fund20.08%23.33%0%
Aditya Birla Sun Life Gold Fund8.71%8.98%11.27%
Baroda BNP Paribas Gold ETF Fund0%0%0%
Invesco India Gold ETF Fund25.17%14.43%20.21%
SBI Silver ETF Fund81.59%0%0%
Kotak Gold Fund4.56%6.41%11.07%
Zerodha Gold ETF FOF Fund69.63%0%0%
UTI Gold ETF Fund29.94%40.4%0%
Edelweiss Gold And Silver ETF FOF Fund45.3%47.06%0%
Groww Gold ETF FOF Fund67.48%0%0%
DSP Silver ETF Fund0%0%0%
Mirae Asset Gold ETF Fund68.3%0%0%
Data as of 14-Dec-2025
SIP Calculator


Rolling Lumpsum returns
Fund Any 1YAny 3YAny 5Y
Tata Gold ETF Fund34.29%0%0%
Angel One Gold ETF FOF Fund0%0%0%
Aditya Birla Sun Life Silver ETF FOF Fund16.52%37.48%0%
Axis Gold Fund5.39%6.28%9.26%
SBI Gold Fund5.19%6.25%9.65%
Groww Silver ETF FOF Fund0%0%0%
Zerodha Silver ETF FOF Fund0%0%0%
HDFC Silver ETF Fund19.75%35.19%0%
Nippon India Silver ETF FOF Fund17.2%37.36%0%
Mirae Asset Gold Silver Passive FOF Fund0%0%0%
Axis Silver Fund74.56%37.04%0%
Quantum Gold Savings Fund13.11%6.61%11.71%
Tata Silver ETF Fund32.01%0%0%
DSP Gold ETF Fund33.54%0%0%
Union Gold ETF Fund0%0%0%
LIC MF Gold ETF Fund31.78%0%0%
Kotak Silver ETF Fund22.9%0%0%
UTI Silver ETF Fund24.59%0%0%
Nippon India Gold Savings Fund12.41%8.09%12.2%
Kotak Gold Silver Passive FOF Fund0%0%0%
ICICI Prudential Silver ETF Fund18.79%23.07%0%
Aditya Birla Sun Life Gold Fund8.44%9.81%10.91%
Baroda BNP Paribas Gold ETF Fund0%0%0%
Invesco India Gold ETF Fund22.35%16.41%16.15%
SBI Silver ETF Fund50.37%0%0%
Kotak Gold Fund5.1%6.56%9.96%
Zerodha Gold ETF FOF Fund63.77%0%0%
UTI Gold ETF Fund24.34%32.62%0%
Edelweiss Gold And Silver ETF FOF Fund42.78%35.15%0%
Groww Gold ETF FOF Fund61.34%0%0%
DSP Silver ETF Fund0%0%0%
Mirae Asset Gold ETF Fund62.0%0%0%
Data as of 14-Dec-2025

Rolling SWP returns
Fund Any 1Y SWPAny 3Y SWPAny 5Y SWP
Tata Gold ETF Fund32.66%0%0%
Angel One Gold ETF FOF Fund0%0%0%
Aditya Birla Sun Life Silver ETF FOF Fund9.44%19.43%0%
Axis Gold Fund5.25%4.61%4.54%
SBI Gold Fund4.76%4.93%5.63%
Groww Silver ETF FOF Fund0%0%0%
Zerodha Silver ETF FOF Fund0%0%0%
HDFC Silver ETF Fund19.11%22.67%0%
Nippon India Silver ETF FOF Fund8.57%19.4%0%
Mirae Asset Gold Silver Passive FOF Fund0%0%0%
Axis Silver Fund42.65%19.8%0%
Quantum Gold Savings Fund8.43%5.99%7.86%
Tata Silver ETF Fund26.85%0%0%
DSP Gold ETF Fund29.46%0%0%
Union Gold ETF Fund0%0%0%
LIC MF Gold ETF Fund28.37%0%0%
Kotak Silver ETF Fund20.96%0%0%
UTI Silver ETF Fund21.65%0%0%
Nippon India Gold Savings Fund13.24%10.48%7.71%
Kotak Gold Silver Passive FOF Fund0%0%0%
ICICI Prudential Silver ETF Fund18.83%16.83%0%
Aditya Birla Sun Life Gold Fund8.15%9.8%7.66%
Baroda BNP Paribas Gold ETF Fund0%0%0%
Invesco India Gold ETF Fund18.74%13.59%8.1%
SBI Silver ETF Fund29.15%0%0%
Kotak Gold Fund5.04%5.2%5.67%
Zerodha Gold ETF FOF Fund55.9%0%0%
UTI Gold ETF Fund24.02%22.45%0%
Edelweiss Gold And Silver ETF FOF Fund41.02%20.74%0%
Groww Gold ETF FOF Fund54.49%0%0%
DSP Silver ETF Fund0%0%0%
Mirae Asset Gold ETF Fund55.02%0%0%
Data as of 14-Dec-2025

SIP and SWP returns with step-up


Rolling SIP returns with 10% step-up
Fund Any 1Y SIPAny 3Y 目↑ SIPAny 5Y 目↑ SIP
Tata Gold ETF Fund41.52%0%0%
Angel One Gold ETF FOF Fund0%0%0%
Aditya Birla Sun Life Silver ETF FOF Fund20.97%53.33%0%
Axis Gold Fund4.84%40.68%30.05%
SBI Gold Fund4.35%41.22%30.35%
Groww Silver ETF FOF Fund0%0%0%
Zerodha Silver ETF FOF Fund0%0%0%
HDFC Silver ETF Fund20.83%45.23%0%
Nippon India Silver ETF FOF Fund21.46%53.38%0%
Mirae Asset Gold Silver Passive FOF Fund0%0%0%
Axis Silver Fund102.45%52.72%0%
Quantum Gold Savings Fund9.68%41.33%30.35%
Tata Silver ETF Fund32.11%0%0%
DSP Gold ETF Fund39.14%0%0%
Union Gold ETF Fund0%0%0%
LIC MF Gold ETF Fund36.78%0%0%
Kotak Silver ETF Fund25.62%0%0%
UTI Silver ETF Fund25.69%0%0%
Nippon India Gold Savings Fund11.07%40.94%30.09%
Kotak Gold Silver Passive FOF Fund0%0%0%
ICICI Prudential Silver ETF Fund20.08%53.3%0%
Aditya Birla Sun Life Gold Fund8.71%41.18%30.24%
Baroda BNP Paribas Gold ETF Fund0%0%0%
Invesco India Gold ETF Fund25.17%39.79%29.54%
SBI Silver ETF Fund81.59%0%0%
Kotak Gold Fund4.56%41.13%30.08%
Zerodha Gold ETF FOF Fund69.63%0%0%
UTI Gold ETF Fund29.94%40.99%0%
Edelweiss Gold And Silver ETF FOF Fund45.3%47.99%0%
Groww Gold ETF FOF Fund67.48%0%0%
DSP Silver ETF Fund0%0%0%
Mirae Asset Gold ETF Fund68.3%0%0%
Data as of 14-Dec-2025

Rolling SWP returns with 10% step-up
Fund Any 1Y SWPAny 3Y 目↑ SWPAny 5Y 目↑ SWP
Tata Gold ETF Fund32.66%0%0%
Angel One Gold ETF FOF Fund0%0%0%
Aditya Birla Sun Life Silver ETF FOF Fund9.44%19.54%0%
Axis Gold Fund5.25%21.99%8.99%
SBI Gold Fund4.76%22.21%8.84%
Groww Silver ETF FOF Fund0%0%0%
Zerodha Silver ETF FOF Fund0%0%0%
HDFC Silver ETF Fund19.11%22.64%0%
Nippon India Silver ETF FOF Fund8.57%19.51%0%
Mirae Asset Gold Silver Passive FOF Fund0%0%0%
Axis Silver Fund42.65%19.9%0%
Quantum Gold Savings Fund8.43%21.94%8.62%
Tata Silver ETF Fund26.85%0%0%
DSP Gold ETF Fund29.46%0%0%
Union Gold ETF Fund0%0%0%
LIC MF Gold ETF Fund28.37%0%0%
Kotak Silver ETF Fund20.96%0%0%
UTI Silver ETF Fund21.65%0%0%
Nippon India Gold Savings Fund13.24%21.74%8.53%
Kotak Gold Silver Passive FOF Fund0%0%0%
ICICI Prudential Silver ETF Fund18.83%19.27%0%
Aditya Birla Sun Life Gold Fund8.15%22.22%8.84%
Baroda BNP Paribas Gold ETF Fund0%0%0%
Invesco India Gold ETF Fund18.74%22.13%8.86%
SBI Silver ETF Fund29.15%0%0%
Kotak Gold Fund5.04%22.02%8.72%
Zerodha Gold ETF FOF Fund55.9%0%0%
UTI Gold ETF Fund24.02%22.62%0%
Edelweiss Gold And Silver ETF FOF Fund41.02%20.89%0%
Groww Gold ETF FOF Fund54.49%0%0%
DSP Silver ETF Fund0%0%0%
Mirae Asset Gold ETF Fund55.02%0%0%
Data as of 14-Dec-2025

Note:N.A. in returns indicate that the fund does not have sufficient history.

Tables have been updated on 14-Dec-2025

How are Commodity: Gold Or Silver funds taxed on selling?

Gold/Silver Funds
Tax for FY2025-26
STCG Rate LTCG Eligibility LTCG Rate
Bought Anytime Slab After 2Y 12.5%

Note:

  • Dividends from mutual funds (called IDCW or Income Distribution cum Capital Withdrawal funds), are added to the income of the investor and taxed at their highest applicable (slab) rate.
  • Cess and surcharge (if applicable) is to be applied to taxes from mutual funds from selling and dividends.
  • Switches, SWP and selling any lump sum amount are taxable as per the table above.

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Disclaimer: Mutual fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

Note: NAVs and returns updated on 14-Dec-2025.