Best Gold SIPs for January 2026: SBI Gold Fund, HDFC Gold ETF and More

Gold had a remarkable 2025, achieving over 50 all-time highs and returning over 60%. This impressive performance was supported by a combination of heightened geopolitical and economic uncertainty, a weaker US dollar, and positive price momentum. Both investors and central banks increased their allocations to gold, seeking diversification and stability in an unpredictable market.

A frequent concern with gold investing is entering the market when prices are near their peaks. However, experts suggest that when gold exposure is gained through SIPs (Systematic Investment Plans), precise timing matters less. Over a 10–20-year period, gold prices naturally go through multiple cycles, and SIPs help smooth out the cost by averaging investments over time.

Both gold mutual funds and gold ETFs are effective ways to invest in gold. For investors focusing on SIPs, gold mutual funds tend to be more straightforward and easier to manage.

For investors, gold SIPs can provide an effective way to benefit from potential price movements while maintaining portfolio balance, especially during periods of global instability. In this article, we will explore the best gold SIP for mutual funds in India based of different parameters.

Best Gold Mutual Funds for SIP in India-3Y CAGR Basis

Note: The Gold Mutual Funds mentioned above have been selected with a minimum AUM of ₹2000 crore and sorted based on 3Y CAGR as of Jan 6, 2026.

Overview of the Best Gold Mutual Funds in India

SBI Gold Fund

SBI Gold Fund is an open-ended Fund of Fund scheme that mainly invests in the SBI-ETF Gold. The fund’s objective is to deliver returns that mirror the performance of the SBI Gold Exchange Traded Scheme

Key Metrics

• Expense Ratio: 0.10%
• Minimum SIP: ₹100

ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold ETF (IPru Gold ETF).

Key Metrics

• Expense Ratio: 0.62%
• Minimum SIP: ₹100

Gold Outlook

Looking ahead to 2026, the outlook for gold remains influenced by ongoing geoeconomic uncertainty. The gold price generally reflects macroeconomic consensus expectations and may remain rangebound if current conditions persist. Gold has long been regarded as a safe-haven asset, offering investors a way to diversify portfolios and protect against market volatility. 

With increasing global uncertainty and fluctuating currency values, many investors are turning to gold not just as a physical asset, but also through financial instruments like gold mutual funds. These funds allow individuals to gain exposure to gold’s performance without the need to hold the physical commodity, making them an accessible and convenient option for both novice and experienced investors.

Also Read: Best International Mutual Funds in India for January 2026: Edelweiss US Technology Equity FOF, Motilal Oswal Nasdaq 100 FOF and More 

Conclusion

Gold mutual funds continue to offer a compelling investment opportunity for those seeking diversification, stability, and exposure to a historically resilient asset. While past performance does not guarantee future results, the combination of macroeconomic factors and investor interest suggests that gold will remain a significant component of diversified investment strategies in the coming year.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.