Investment ki duniya mein har kisi ka sapna hota hai ki unka paisa surakshit rahe aur waqt ke saath tezi se badhe. Lekin sawal hamesha yahi rehta hai ki—Paisa kahan lagayein? SBI Mutual Fund ke paas har investor ki zaroorat ke liye alag-alag options hain. Aaj hum teen aise funds ka mukabla karenge jo bilkul alag fitrat rakhte hain: SBI Gold ETF, SBI Contra Fund, aur SBI Silver ETF Fund of Fund.
Agar aap un logo mein se hain jo “Gold is Bold” par yakin rakhte hain, toh yeh fund aapke liye hai. Yeh ek open-ended scheme hai jo seedhe sone ki keematon ko track karti hai.
History & Trust
Yeh fund 18 May, 2009 se market mein hai, yani isne kayi bade arthik badlav dekhe hain.
Performance: Pichle 5 year me isne 26.05% ka shandaar return diya hai.
All Time: wahi all time return ki bat ki jaye to 14.46% ka jabardast return diya hai.jo ki umid se kahi jada hita hai. jabki investro me 12% return ka umid hota hai Jab market mein dar ka mahol hota hai, tab Gold aksar ek surakshit dhaal ban kar ubharta hai.
Size: Iska AUM ₹24,567.1 Crore hai, jo iski lokpriyata ko darshata hai.
Kiske Liye Hai? Yeh un investors ke liye behtar hai jo lambe samay (Long-term) ke liye apni wealth badhana chahte hain.
2. SBI Contra Fund: Bheed Se Alag Kamai Ka Tareeka
“Contra” ka matlab hota hai ulta chalna. Yeh fund un stocks mein invest karta hai jo filhal market mein undervalued hain ya jinhe log nazarandaz kar rahe hain.
Legendary Status: Yeh SBI ka kafi purana fund hai, jiski shuruat 05 July, 1999 ko hui thi.
Returns: Pichle 5 saalon mein isne Regular plan mein 22.85% aur Direct plan mein 23.89% ka dumdar return diya hai.
All time: Return regular growth 18.84% ka return diya diya hai or Direct growth 16.03% ka return ke satḥ barkrar hai.
Risk Factor: Kyunki yeh equity market se juda hai, isme risk VERY HIGH hota hai. Lekin yahi risk high reward ki gunjayish bhi lata hai.
Market Position: ₹48,729.34 Crore ke AUM ke saath yeh ek vishalkay fund hai.
Regular Plan vs Direct Plan: Kya Hai Asli Farq?
Jab aap kisi mutual fund mein invest karte hain, jaise ki aapne SBI Contra Fund ya SBI Silver ETF FoF ke bare mein puchte hai. toh aapke paas do raste hote hain:
1. Regular Plan
Kaise Kaam Karta Hai: Yeh plan aap kisi distributor, broker, ya agent ke zariye kharidte hain.
Commission: Mutual fund company aapke investment se ek chota hissa (commission) nikal kar us agent ko deti hai.
Expense Ratio: Iska expense ratio (fees) zyada hota hai kyunki isme agent ki brokerage shamil hoti hai.
Returns: Kyunki fees zyada hoti hai, isliye iska net return Direct Plan ke muqable thoda kam hota hai. Jaise aapke data mein dikhta hai, SBI Contra Fund ka Regular return 22.85% hai.
1. Direct Plan
Kaise Kaam Karta Hai: Aap seedhe Mutual Fund company (AMC) ki website ya app se invest karte hain. Beech mein koi agent nahi hota.
Commission: Isme koi commission nahi dena padta.
Expense Ratio: Iska fees kam hota hai kyunki koi brokerage nahi deni padti.
Returns: Fees kam hone ki wajah se iske returns hamesha Regular Plan se zyada hote hain. Jaise SBI Contra Fund ka Direct return 23.89% hai.
Comparison Table: Direct and regular plan Mein Antar
| Feature | Regular Plan | Direct Plan |
|---|---|---|
| Middleman | Agent/Broker hota hai | Seedhe AMC se (No Agent) |
| Commission | Company agent ko deti hai | Koi commission nahi |
| Expense Ratio | Zyada (High) | Kam (Low) |
| NAV | Kam hoti hai | Zyada hoti hai |
| Returns | Thode kam hote hain | Hamesha zyada hote hain |
| Expertise | Agent aapko advice deta hai | Aapko khud research karni padti hai |
3. SBI Silver ETF Fund of Fund:
Chandi Ki Chamak ka Naya Andaaz
Silver (Chandi) ko aksar “Gareebo ka Sona” kaha jata tha, lekin aaj yeh industrial demand ki wajah se ek power investment ban chuka hai. Yeh FoF seedhe SBI Silver ETF mein invest karta hai.
Naya Khiladi: Yeh 11 July, 2024 ko launch hua tha, lekin bahut kam samay mein isne kamaal kar dikhaya hai.
Mind-Blowing Returns: Shuruat se ab tak isne 106.32% (Direct Plan) tak ka return dekar sabko hairan kar diya hai. Haal hi mein (09 Feb 2026) isne ek hi din mein +8.47% ka uchhal dikhaya hai.
All time : Nahi hai kyo ki ye naya fund hai.
Volatility: Chandi ki keematein tezi se upar-neeche hoti hain, isliye isme bhi risk
VERY HIGH hai.
Quick Comparison Sheet (Comparison Table)
| Feature | SBI Gold ETF | SBI Contra Fund | SBI Silver ETF FoF |
|---|---|---|---|
| Asset Class | Commodity (Gold) | Equity (Stocks) | Commodity (Silver) |
| Risk Level | High | Very High | Very High |
| AUM (Jan 2026) | ₹24,567.1 Cr | ₹48,729.34 Cr | ₹4,779.2 Cr |
| Launch Date | 18 May 2009 | 05 July 1999 | 11 July 2024 |
| 5-Year Return | 26.05% | 23% | N/A (New Fund) |
| NAV (Feb 2026) | ₹132.9398 | ₹395.9242 | ₹27.0485 |
| Best For | Portfolio Stability | Wealth Creation | High Growth/Speculation |
Yaha jo bhi jankari uplabdh kara gya hai wo sbimf ke officile site me hai wahi bataya gya hai.
Disclaimer: Diya gaya jankari sirf apko iducation prdan karna ka hai mere taraf se investment ki koi salah nahi hai invest karne se pahle apna taraf se reserch jarur kare
SIP ya Lumpsum
Agar app abhi is confusion me hai ki kya kare SIP ya Lumpsum to ye samjhne ki jarurat hai ki abhi gold silver dono hi all time high per hai agar yaha app lumpsum karte hai to market me chhota sa girawt apke portfoliyo ko bada dent de sakta hai abhi SIP karna jada surakchhit ho sakta hai . calculate SIP
agar aapko jana hai gold ne pichhle 30 year me kitna return diya hai to dekh sakte hai Gold hstory
Finel Conclusion
Aapko Kahan Invest Karna Chahiye?
Portfolio mein Balance chahiye? Toh SBI Gold ETF ko chuniye. Yeh aapke nuksan ko rokne mein madad karta hai.
Wealth Builder banna hai? Toh SBI Contra Fund best hai. Iska track record saabit karta hai ki long-term mein isne paisa banaya hai.
High-Risk, High-Reward chahiye? Toh SBI Silver ETF FoF par nazar rakhiye. Chandi ki industrial demand aane wale waqt mein isse aur chamka sakti hai.
My-Tips: Kabhi bhi apna saara paisa ek hi fund mein na lagayein. Apne investment ko diversify karein taaki risk kam ho aur profit zyada.
Agar appko or jana hai to me yaha Best 5 mutual funds ko compare kiya hu app dekh sakte hai
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