Nippon India Retirement Fund- Wealth Creation Scheme
Nippon India Mutual Fund · Retirement · Regular plan, growth option
NAV (₹), 2 Oct 2026
27.0916
1-day change
-0.79%
1Y return
-5.5%
3Y CAGR
8.3%
5Y CAGR
8.8%
Max drawdown, 5Y
−19.3%
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% | -4.5% |
| 3 months | -4.9% | -2.7% |
| 6 months | 4.3% | 4.9% |
| Year to date | -6.4% | -2.5% |
| 1 year | -5.5% | -0.1% |
| 3 years (CAGR) | 8.3% | 7.2% |
| 5 years (CAGR) | 8.8% | 7.0% |
| 7 years (CAGR) | 11.5% | 9.9% |
| 10 years (CAGR) | 9.8% | 9.0% |
| Since first NAV (CAGR) | 8.9% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 6.7% | 8.1% |
| 3Y rolling median | 11.8% | 11.3% |
| 3Y rolling worst | -11.6% | 4.3% |
| 3Y periods positive | 89% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 10.5% | 10.5% |
| 5Y rolling worst | -4.7% | 5.6% |
| 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 | 0.19 | 0.10 |
| Sortino ratio | 0.27 | 0.13 |
| 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 | −46.0% | −18.1% |
| Maximum drawdown, last 10Y | −46.0% | −23.5% |
| Maximum drawdown, last 5Y | −19.3% | −12.7% |
| Current drawdown | −11.7% | −5.8% |
| Recovery time of worst fall | 322 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | n/a | 2.53% |
| 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) | -4.2% | -2.3% TRI |
| Return, 3 years (AMFI) | 8.6% | 9.2% TRI |
| Return, 5 years (AMFI) | 8.9% | 8.9% TRI |
| Month-ends above category median (3Y CAGR) | 73% | 35% median |
| Month-ends in category top quartile (3Y) | 41% | 9% median |
| 7Y rolling CAGR, median (monthly windows) | 10.8% | 9.9% median |
Official benchmark: BSE 500 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -6.4% | n/a | – |
| 2025 | 1.0% | n/a | – |
| 2024 | 20.5% | n/a | – |
| 2023 | 31.1% | n/a | – |
| 2022 | 1.6% | n/a | – |
| 2021 | 32.1% | n/a | – |
| 2020 | 0.6% | n/a | – |
| 2019 | 5.1% | n/a | – |
| 2018 | -7.9% | n/a | – |
| 2017 | 37.8% | 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 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,14,456 | -8.4% |
| 3 years | ₹3,60,000 | ₹3,61,092 | 0.2% |
| 5 years | ₹6,00,000 | ₹7,24,887 | 7.5% |
| 10 years | ₹12,00,000 | ₹20,26,995 | 10.1% |
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: Regular · Growth
AMFI scheme code: 133565
ISIN: INF204KA1B64
First NAV in MFIC data: 13 Feb 2015
History: 11.6 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
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 | 10.2% |
| HDFC Retirement Fund - Equity Plan | Retirement | 0.97 | 7.0% |
| Union Children's Fund | Children's | 0.97 | n/a |
| PGIM India Retirement Fund | Retirement | 0.97 | n/a |
| UTI Children's Equity Fund | Children's | 0.97 | 4.9% |
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 Regular plan (growth option) was ₹27.0916 on 2 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 (Regular plans).
- What returns has Nippon India Retirement Fund- Wealth Creation Scheme delivered?
- Over one year the NAV changed by -5.5%. The 3-year CAGR is 8.3% (category median 7.2%) and the 5-year CAGR is 8.8% (category median 7.0%). 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 11.8%, the lowest was -11.6%, and 89% 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 46.0%; within the last five years it was 19.3% (category median 12.7%).
- 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 ₹7,24,887 on 2 Oct 2026, an annualised return (XIRR) of 7.5%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- 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 8.6% for this plan against 9.2% for the benchmark total return index; over 5 years 8.9% against 8.9%. Past performance does not indicate future results.
- How often has Nippon India Retirement Fund- Wealth Creation Scheme beaten its category?
- At 73% of the 104 month-ends compared over the last 10 years, its 3-year return was above the median of Retirement schemes (Regular plans); it was in the top quarter at 41% of them. A typical scheme would show about 50%.
- 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.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular 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.