Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansNippon India Retirement Fund - Wealth Creation Scheme · Regular · Growth
NAV
₹27.3855
as of 29 Sept 2026
Expense Ratio
2.22%
AUM
₹3,037 Cr
Lumpsum returns (CAGR)
- 1Y
- -4.02%
- 3Y
- +8.69%
- 5Y
- +8.98%
- Since Inception
- +11.47%
SIP returns (XIRR)
- 1Y
- -6.17%
- 3Y
- +1.36%
- 5Y
- +8.00%
- Since Inception
- +11.43%
What history actually did — last 7 years (Oct 2019 – Sept 2026)
A ₹5,000 monthly SIP for the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹6,14,029 today — ₹4,15,000 invested, 11.2% XIRR.
₹4,15,000
Invested
₹6,14,029
Value today
11.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹2,17,144 today (11.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2019 would still hold ₹15,57,407.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹6,14,029 in this fund vs ₹5,62,117 in the benchmark — outperformance of ₹51,912.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Oct 2019 – Sept 2026) (22 Mar 2020) would be ₹3,51,475 today (3.52×).
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-0.05
Sharpe Ratio
+0.02
Alpha
0.53
Beta
-0.05
Sortino
13.81%
Std Dev
-14.13%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks22.26%
- IT - Software5.82%
- Pharmaceuticals & Biotechnology5.64%
- Finance5.56%
- Power5.41%
- Retailing5.01%
- Automobiles4.39%
- Petroleum Products4.19%
- Beverages3.32%
- Consumer Durables3.23%
- Aerospace & Defense2.92%
- Construction2.81%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option
- 1Icici Bank Limited7.53%
- 2Hdfc Bank Limited7.26%
- 3Reliance Industries Limited4.19%
- 4Axis Bank Limited4.16%
- 5Infosys Limited3.99%
- 6Mahindra & Mahindra Limited3.42%
- 7State Bank Of India3.05%
- 8Jsw Energy Limited2.99%
- 9Alkem Laboratories Limited2.19%
- 10Hindustan Aeronautics Limited2.07%
What this fund does
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 ₹3,037 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against BSE 500 TRI. The current expense ratio is 2.22%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach