Nippon India Retirement Fund- Wealth Creation Scheme
Nippon India Mutual Fund · Retirement · Direct plan, growth option
NAV (₹), 1 Oct 2026
30.8679
1-day change
-0.79%
1Y return
-4.6%
3Y CAGR
9.3%
5Y CAGR
9.9%
Max drawdown, 5Y
−18.7%
NAV history month-end NAV, ₹ · 13 Feb 2015 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.8% | -4.4% |
| 3 months | -4.7% | -2.3% |
| 6 months | 4.8% | 5.3% |
| Year to date | -5.7% | -1.7% |
| 1 year | -4.6% | 0.8% |
| 3 years (CAGR) | 9.3% | 8.2% |
| 5 years (CAGR) | 9.9% | 8.4% |
| 7 years (CAGR) | 12.7% | 11.0% |
| 10 years (CAGR) | 10.9% | 9.9% |
| Since first NAV (CAGR) | 10.1% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.9% | 9.6% |
| 3Y rolling median | 13.0% | 12.9% |
| 3Y rolling worst | -10.7% | 5.7% |
| 3Y periods positive | 91% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 11.7% | 11.7% |
| 5Y rolling worst | -3.4% | 6.8% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 15.3% | 10.9% |
| Sharpe ratio | 0.25 | 0.24 |
| Sortino ratio | 0.37 | 0.34 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −44.9% | −16.5% |
| Maximum drawdown, last 10Y | −44.9% | −23.2% |
| Maximum drawdown, last 5Y | −18.7% | −12.3% |
| Current drawdown | −10.0% | −5.6% |
| Recovery time of worst fall | 294 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.23% a year and the Direct plan's 1.26%, a gap of 0.97%; over the last 3 years the Direct plan returned 1.04 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹21,52,548.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 8 Sep 2026: TER increased from 1.25% to 1.26% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| FM 1 Ritesh Rathod | FM 1 Primary | 1 Jan 2026 |
| FM 2 Pranay Sinha | FM 2 Primary | 1 Mar 2021 |
Objective: The investment objective of the scheme is to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities. However, there can be no assurance or guarantee that the investment objective of the Scheme will be achieved.
Stated asset allocation: Under normal circumstances, the anticipated asset allocation would be: Diversified Equity and equity related securities – 65%- 100%, Debt and Money market securities - 0%-35%.
Benchmark (tier 1): BSE 500 TRI
Minimum application: ₹500
Allotment date: 11 Feb 2015
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 1.26% | 1.16% |
| AUM, whole scheme (₹ crore) | 2,939 | 269 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -3.3% | -2.3% TRI |
| Return, 3 years (AMFI) | 9.6% | 9.2% TRI |
| Return, 5 years (AMFI) | 10.0% | 8.9% TRI |
| Month-ends above category median (3Y CAGR) | 71% | 41% median |
| Month-ends in category top quartile (3Y) | 40% | 9% median |
| 7Y rolling CAGR, median (monthly windows) | 11.9% | 10.7% median |
Official benchmark: BSE 500 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -5.7% | n/a | – |
| 2025 | 2.0% | n/a | – |
| 2024 | 21.6% | n/a | – |
| 2023 | 32.4% | n/a | – |
| 2022 | 2.7% | n/a | – |
| 2021 | 33.5% | n/a | – |
| 2020 | 1.7% | n/a | – |
| 2019 | 6.1% | n/a | – |
| 2018 | -7.1% | n/a | – |
| 2017 | 39.7% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,15,036 | -7.6% |
| 3 years | ₹3,60,000 | ₹3,66,585 | 1.2% |
| 5 years | ₹6,00,000 | ₹7,44,879 | 8.6% |
| 10 years | ₹12,00,000 | ₹21,49,000 | 11.2% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Retirement
Plan / option: Direct · Growth
AMFI scheme code: 133568
ISIN: INF204KA1B72
First NAV in MFIC data: 13 Feb 2015
History: 11.6 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Baroda BNP Paribas Retirement Fund | Retirement | 0.97 | n/a |
| Union Retirement Fund | Retirement | 0.97 | 11.6% |
| Union Children's Fund | Children's | 0.97 | n/a |
| HDFC Retirement Fund - Equity Plan | Retirement | 0.97 | 8.1% |
| PGIM India Retirement Fund | Retirement | 0.97 | n/a |
| UTI Children's Equity Fund | Children's | 0.97 | 6.0% |
Questions about Nippon India Retirement Fund- Wealth Creation Scheme
- What is the latest NAV of Nippon India Retirement Fund- Wealth Creation Scheme?
- The NAV of the Direct plan (growth option) was ₹30.8679 on 1 Oct 2026, as published by AMFI.
- Which category is Nippon India Retirement Fund- Wealth Creation Scheme in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Direct plans).
- What returns has Nippon India Retirement Fund- Wealth Creation Scheme delivered?
- Over one year the NAV changed by -4.6%. The 3-year CAGR is 9.3% (category median 8.2%) and the 5-year CAGR is 9.9% (category median 8.4%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 13.0%, the lowest was -10.7%, and 91% of 3-year periods ended with a gain.
- What was the largest fall in Nippon India Retirement Fund- Wealth Creation Scheme's NAV?
- The largest peak-to-trough fall in its available history was 44.9%; within the last five years it was 18.7% (category median 12.3%).
- How volatile is Nippon India Retirement Fund- Wealth Creation Scheme?
- Its annualised standard deviation of monthly returns over the last 36 months is 15.3%, which is above the Retirement category median of 10.9%.
- What would a monthly SIP in Nippon India Retirement Fund- Wealth Creation Scheme have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,44,879 on 1 Oct 2026, an annualised return (XIRR) of 8.6%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Nippon India Retirement Fund- Wealth Creation Scheme?
- The total expense ratio of the Direct plan is 1.26% a year, as disclosed to AMFI (median of Retirement Direct plans: 1.16%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Nippon India Retirement Fund- Wealth Creation Scheme?
- Assets under management of the whole scheme were ₹2,939 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Nippon India Retirement Fund- Wealth Creation Scheme?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Nippon India Retirement Fund- Wealth Creation Scheme and how has it compared?
- Its official benchmark is the BSE 500 TRI. Over 3 years AMFI reports a return of 9.6% for this plan against 9.2% for the benchmark total return index; over 5 years 10.0% against 8.9%. Past performance does not indicate future results.
- How often has Nippon India Retirement Fund- Wealth Creation Scheme beaten its category?
- At 71% of the 104 month-ends compared over the last 10 years, its 3-year return was above the median of Retirement schemes (Direct plans); it was in the top quarter at 40% of them. A typical scheme would show about 50%.
- Who manages Nippon India Retirement Fund- Wealth Creation Scheme?
- According to its Scheme Summary Document, Nippon India Retirement Fund- Wealth Creation Scheme is managed by FM 1 Ritesh Rathod (since 1 Jan 2026), FM 2 Pranay Sinha (since 1 Mar 2021).
- What is the minimum investment in Nippon India Retirement Fund- Wealth Creation Scheme?
- The minimum application amount is ₹500. SIP details: SIP - Rs.500/- per month (minimum 12 months) Rs.1500/- per quarter (minimum 4 quarters) Rs. 5000/- per year (minimum 2 years) SWP - 500 STP - Daily- Minimum of Rs. 100 Weekly / Fortnight / Monthly option - Rs. 1000 Quarterly - Rs. 3000 Capital Appreciation Monthly/ Quarterly - Rs. 500.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -4.6% and the Regular plan's by -5.5%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.