Should I invest in NIPPON INDIA CONSUMPTION FUND?

We don't give personal investment advice. NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 34.3%. 5-year CAGR: 8.29%.

Nippon India

NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option

Latest NAV

₹52.9129

As of

17 Jul 2026

3,330 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.32%	-0.04%	+0.36	75 / 249	Q2
1W	-0.18%	-0.15%	-0.03	131 / 249	Q3
2W	-0.99%	-0.61%	-0.37	221 / 251	Q4
1M	+2.42%	+1.14%	+1.28	104 / 251	Q2
3M	+3.65%	+3.90%	-0.24	135 / 251	Q3
6M	-0.47%	+2.59%	-3.06	161 / 243	Q3
YTD	-10.76%	+0.68%	-11.44	223 / 241	Q4
1Y	-11.14%	+2.39%	-13.53	214 / 229	Q4
2Y	-8.49%	+0.44%	-8.93	172 / 186	Q4
3Y	+4.50%	+11.53%	-7.02	133 / 151	Q4
4Y	+6.99%	+12.75%	-5.77	108 / 125	Q4
5Y	+8.29%	+9.05%	-0.76	74 / 113	Q3
7Y	+12.90%	+14.43%	-1.54	59 / 92	Q3
10Y	+7.09%	+11.87%	-4.78	65 / 77	Q4
Inception	+6.28%	+10.06%	-3.78	194 / 251	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-10.76%	+1.51%	-12.27	221 / 237
2025	-3.47%	+1.49%	-4.96	148 / 204
2024	+13.77%	+20.10%	-6.32	111 / 158
2023	+20.58%	+30.21%	-9.63	106 / 131
2022	+12.06%	+1.48%	+10.58	25 / 119
2021	+32.29%	+31.54%	+0.75	45 / 106
2020	+18.70%	+19.90%	-1.19	38 / 95
2019	+0.64%	+6.43%	-5.79	63 / 87
2018	-16.81%	-9.17%	-7.64	55 / 78
2017	+14.19%	+32.45%	-18.26	66 / 77
2016	-11.18%	+2.96%	-14.14	73 / 77

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+9.78%

153 windows

min -17.9% · max 66.7%

65% positive

3-Year rolling

+9.06%

129 windows

min -11.1% · max 31.1%

76% positive

5-Year rolling

+8.71%

105 windows

min -5.1% · max 24.4%

83% positive

7-Year rolling

+8.28%

80 windows

min -1.4% · max 15.6%

96% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

16.08%

3-year · annualised

Sharpe ratio

-0.05

vs risk-free 6.5%

Sortino ratio

-0.07

Downside-only deviation

Max drawdown

-34.26%

Sep 2024 → Mar 2026

% positive months

61.1%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹17.4480	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹30.5463	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.5864	17 Jul 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹70.0600	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹14.5200	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹22.0968	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹32.1000	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.5239	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹52.9129
16 Jul 2026	₹52.7438
15 Jul 2026	₹52.7871
14 Jul 2026	₹52.4921
13 Jul 2026	₹52.9304
10 Jul 2026	₹53.0095
9 Jul 2026	₹52.7836
8 Jul 2026	₹52.4791
7 Jul 2026	₹53.5781
6 Jul 2026	₹53.7190

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option is ₹52.9129. It's a Sectoral/Thematic Fund from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option has NAV history starting from 03 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option is managed by Nippon India. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option has delivered a absolute return of -11.14% — -13.53 pp behind the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #214 of 229 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option has delivered a CAGR of 4.50% — -7.02 pp behind the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #133 of 151 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option has delivered a CAGR of 8.29% — -0.76 pp behind the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #74 of 113 in its category — the third (Q3) quartile.

₹1 lakh invested in NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option exactly 10 years ago would be worth approximately ₹198,332 today — a multiplier of 1.98×, based on the 10-year CAGR of 7.09%. The category average over the same window would have grown ₹1 lakh to ₹306,966.

A ₹10,000 monthly SIP in NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹655,562 today. That's an XIRR (money-weighted annualised return) of 3.50%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,896,001 (multiplier 1.58×). XIRR: 8.85%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option ranks #74 out of 113 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 9.05%; this fund delivered 8.29%.

The worst peak-to-trough decline NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option has experienced over the last 5-year window is 34.26% — its NAV fell from a high on 26 Sep 2024 to a low on 31 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option averaged 8.71% (best 24.40%, worst -5.07%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is 0.17 — weak risk-adjusted performance.

In calendar year 2025, NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option returned -3.47% — lagging the Sectoral/Thematic Fund category average of 1.49% by 4.96 pp. It ranked #148 of 204 in its category that year.

NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 34.3%. 5-year CAGR: 8.29%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.