Nippon India Retirement Fund - Wealth Creation Scheme · Regular · Growth
NAV
₹28.7348
as of 14 Jul 2026
Expense Ratio
1.94%
AUM
₹3,085 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.27%
- 3Y
- +12.56%
- 5Y
- +12.24%
- Since Inception
- +12.64%
SIP returns (XIRR)
- 1Y
- +2.61%
- 3Y
- +6.03%
- 5Y
- +10.88%
- Since Inception
- +13.50%
What history actually did — last 6 years (Jul 2020 – Jul 2026)
A ₹5,000 monthly SIP for the last 6 years (Jul 2020 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,18,825 today — ₹3,60,000 invested, 12.3% XIRR.
₹3,60,000
Invested
₹5,18,825
Value today
12.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 6 years (Jul 2020 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 6 years ago would be ₹2,72,254 today (18.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2020 would still hold ₹22,03,717.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,18,825 in this fund vs ₹4,74,783 in the benchmark — outperformance of ₹44,042.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 6 years (Jul 2020 – Jul 2026) (3 Jun 2024) would be ₹1,06,287 today (1.06×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.17
Sharpe Ratio
-0.02
Alpha
0.51
Beta
-0.16
Sortino
14.92%
Std Dev
-14.13%
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
- 1Hdfc Bank Limited7.85%
- 2Icici Bank Limited7.33%
- 3Reliance Industries Limited4.46%
- 4Axis Bank Limited4.24%
- 5Infosys Limited4.20%
- 6Larsen & Toubro Limited3.56%
- 7Jsw Energy Limited3.53%
- 8State Bank Of India3.30%
- 9Mahindra & Mahindra Limited2.35%
- 10Samvardhana Motherson International Limited2.13%
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