Nippon India Retirement Fund - Wealth Creation Scheme · Regular · Growth
NAV
₹28.2892
as of 16 Jun 2026
Expense Ratio
1.94%
AUM
₹3,085 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.23%
- 3Y
- +13.41%
- 5Y
- +12.63%
- Since Inception
- +12.53%
SIP returns (XIRR)
- 1Y
- -0.20%
- 3Y
- +5.82%
- 5Y
- +10.66%
- Since Inception
- +13.33%
Beat the benchmark — ₹500/month SIP
Same SIP in this fund vs the benchmark index
This fund
₹61,249
Benchmark
₹58,199
+₹3,050 extra wealth vs the benchmark index
Backtest this SIP yourselfSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹40,500
Invested
₹61,249
Value today
12.2%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹2,127
Value today
11.9%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹4,05,000
Withdrawn
₹15,14,619
Corpus left
+₹9,19,619 net gain — withdrew ₹4,05,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹13,24,360
Value today
+3.8%
vs lumpsum
STP beat direct lumpsum by 3.8% — reduced timing risk paid off
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹3,49,230
Value today
3.5×
Multiple
Staying invested through that crash turned ₹1L into ₹3,49,230 — a 3.5× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.42
Sharpe Ratio
-0.05
Alpha
0.50
Beta
-0.41
Sortino
15.08%
Std Dev
-14.49%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option
- 1Icici Bank Limited7.32%
- 2Hdfc Bank Limited7.13%
- 3Reliance Industries Limited4.80%
- 4Axis Bank Limited4.15%
- 5State Bank Of India3.64%
- 6Larsen & Toubro Limited3.48%
- 7Infosys Limited3.28%
- 8Ntpc Limited2.82%
- 9Mahindra & Mahindra Limited2.37%
- 10Tech Mahindra Limited2.05%
Investment Objective
Nippon India Retirement Fund - Wealth Creation Scheme · Regular · Growth by Nippon India Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
Nippon India Retirement Fund - Wealth Creation Scheme · Regular · Growth is a Retirement Fund mutual fund offered by Nippon India Mutual Fund. The fund has been operational for over 11 years. It manages assets worth ₹3,085 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against BSE 500 TRI. The current expense ratio is 1.94%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations