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: 8.08%.

Nippon India

NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option

Latest NAV

₹49.8697

As of

3 Jun 2026

3,299 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	+0.57%	+0.27%	+0.30	61 / 249	Q1
1W	-1.65%	-1.33%	-0.32	137 / 249	Q3
2W	-1.48%	-0.44%	-1.04	214 / 251	Q4
1M	-2.81%	-0.98%	-1.84	210 / 251	Q4
3M	-0.99%	+0.91%	-1.90	154 / 249	Q3
6M	-16.96%	-3.35%	-13.61	229 / 241	Q4
YTD	-15.82%	-3.40%	-12.42	229 / 241	Q4
1Y	-13.31%	+2.11%	-15.43	211 / 225	Q4
2Y	-6.95%	+1.79%	-8.74	169 / 181	Q4
3Y	+4.10%	+12.30%	-8.21	128 / 142	Q4
4Y	+6.98%	+11.74%	-4.76	99 / 122	Q4
5Y	+8.08%	+8.93%	-0.85	76 / 111	Q3
7Y	+10.97%	+13.08%	-2.11	61 / 92	Q3
10Y	+6.95%	+12.03%	-5.08	66 / 77	Q4
Inception	+5.88%	+8.52%	-2.64	175 / 251	Q3

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	-15.82%	-2.64%	-13.17	227 / 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

+9.68%

152 windows

min -24.7% · max 73.8%

64% positive

3-Year rolling

+8.87%

127 windows

min -14.1% · max 28.9%

74% positive

5-Year rolling

+8.65%

103 windows

min -7.0% · max 24.2%

83% positive

7-Year rolling

+8.02%

79 windows

min -2.2% · max 15.1%

97% 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

17.87%

3-year · annualised

Sharpe ratio

-0.05

vs risk-free 6.5%

Sortino ratio

-0.06

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	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹49.8697
2 Jun 2026	₹49.9133
1 Jun 2026	₹49.6326
29 May 2026	₹50.2768
27 May 2026	₹51.0064
26 May 2026	₹50.7513
25 May 2026	₹50.8075
22 May 2026	₹50.6315
21 May 2026	₹50.5178
20 May 2026	₹50.6217

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 03 Jun 2026, the NAV of NIPPON INDIA CONSUMPTION FUND - DIRECT Plan - IDCW Option is ₹49.8697. 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 5 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 -13.31% — -15.43 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #211 of 225 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 4.10% — -8.21 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #128 of 142 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 8.08% — -0.85 pp behind the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #76 of 111 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 ₹195,714 today — a multiplier of 1.96×, based on the 10-year CAGR of 6.95%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

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 ₹625,628 today. That's an XIRR (money-weighted annualised return) of 1.65%.

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 ₹1,804,149 (multiplier 1.50×). XIRR: 7.90%. 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 #76 out of 111 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 8.93%; this fund delivered 8.08%.

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 8.65% (best 24.23%, worst -7.03%). 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: 8.08%.

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