Should I invest in NIPPON INDIA PHARMA FUND?

We don't give personal investment advice. NIPPON INDIA PHARMA 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: 22.1%. 5-year CAGR: 7.77%.

Nippon India

NIPPON INDIA PHARMA FUND - DIRECT Plan - IDCW Option

Latest NAV

₹172.5168

As of

17 Jul 2026

3,331 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	-1.13%	-0.04%	-1.09	234 / 249	Q4
1W	-0.22%	-0.15%	-0.07	139 / 249	Q3
2W	-0.55%	-0.61%	+0.07	194 / 251	Q4
1M	+4.88%	+1.14%	+3.73	27 / 251	Q1
3M	+11.38%	+3.90%	+7.49	29 / 251	Q1
6M	+4.30%	+2.59%	+1.71	103 / 243	Q2
YTD	+2.59%	+0.68%	+1.90	95 / 241	Q2
1Y	-0.33%	+2.39%	-2.72	145 / 229	Q3
2Y	+2.36%	+0.44%	+1.92	78 / 186	Q2
3Y	+12.30%	+11.53%	+0.77	83 / 151	Q3
4Y	+14.30%	+12.75%	+1.55	61 / 125	Q2
5Y	+7.77%	+9.05%	-1.28	79 / 113	Q3
7Y	+16.37%	+14.43%	+1.94	33 / 92	Q2
10Y	+8.84%	+11.87%	-3.03	58 / 77	Q4
Inception	+10.03%	+10.06%	-0.03	139 / 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	+2.59%	+1.51%	+1.08	94 / 237
2025	-10.53%	+1.49%	-12.01	195 / 204
2024	+26.59%	+20.10%	+6.49	43 / 158
2023	+41.33%	+30.21%	+11.13	18 / 131
2022	-12.05%	+1.48%	-13.53	103 / 119
2021	+16.68%	+31.54%	-14.86	81 / 106
2020	+55.87%	+19.90%	+35.97	11 / 95
2019	-4.87%	+6.43%	-11.30	82 / 87
2018	-4.24%	-9.17%	+4.93	29 / 78
2017	-1.44%	+32.45%	-33.88	76 / 77
2016	-17.48%	+2.96%	-20.44	77 / 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

+12.22%

153 windows

min -20.1% · max 64.6%

59% positive

3-Year rolling

+9.74%

129 windows

min -9.6% · max 22.6%

74% positive

5-Year rolling

+9.12%

105 windows

min -6.6% · max 25.0%

87% positive

7-Year rolling

+9.34%

80 windows

min 2.3% · max 16.7%

100% 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

14.60%

3-year · annualised

Sharpe ratio

0.42

vs risk-free 6.5%

Sortino ratio

0.68

Downside-only deviation

Max drawdown

-21.43%

Jan 2025 → Feb 2025

% positive months

58.3%

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	₹172.5168
16 Jul 2026	₹174.4797
15 Jul 2026	₹174.0789
14 Jul 2026	₹173.6241
13 Jul 2026	₹172.5201
10 Jul 2026	₹172.8994
9 Jul 2026	₹172.3060
8 Jul 2026	₹170.7950
7 Jul 2026	₹172.7388
6 Jul 2026	₹173.6647

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 PHARMA FUND - DIRECT Plan - IDCW Option is ₹172.5168. 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 PHARMA FUND - DIRECT Plan - IDCW Option has NAV history starting from 02 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 PHARMA 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 PHARMA FUND - DIRECT Plan - IDCW Option has delivered a absolute return of -0.33% — -2.72 pp behind the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #145 of 229 in its category — the third (Q3) quartile.

Over the trailing 3-year window, NIPPON INDIA PHARMA FUND - DIRECT Plan - IDCW Option has delivered a CAGR of 12.30% — +0.77 pp ahead of the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #83 of 151 in its category — the third (Q3) quartile.

Over the trailing 5-year window, NIPPON INDIA PHARMA FUND - DIRECT Plan - IDCW Option has delivered a CAGR of 7.77% — -1.28 pp behind the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #79 of 113 in its category — the third (Q3) quartile.

₹1 lakh invested in NIPPON INDIA PHARMA FUND - DIRECT Plan - IDCW Option exactly 10 years ago would be worth approximately ₹233,248 today — a multiplier of 2.33×, based on the 10-year CAGR of 8.84%. The category average over the same window would have grown ₹1 lakh to ₹306,966.

A ₹10,000 monthly SIP in NIPPON INDIA PHARMA FUND - DIRECT Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹777,851 today. That's an XIRR (money-weighted annualised return) of 10.32%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA PHARMA FUND - DIRECT Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹2,232,306 (multiplier 1.86×). XIRR: 11.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, NIPPON INDIA PHARMA FUND - DIRECT Plan - IDCW Option ranks #79 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 7.77%.

The worst peak-to-trough decline NIPPON INDIA PHARMA FUND - DIRECT Plan - IDCW Option has experienced over the last 5-year window is 22.12% — its NAV fell from a high on 15 Sep 2021 to a low on 17 Jun 2022. 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 PHARMA FUND - DIRECT Plan - IDCW Option averaged 9.12% (best 25.03%, worst -6.57%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is 0.14 — weak risk-adjusted performance.

In calendar year 2025, NIPPON INDIA PHARMA FUND - DIRECT Plan - IDCW Option returned -10.53% — lagging the Sectoral/Thematic Fund category average of 1.49% by 12.01 pp. It ranked #195 of 204 in its category that year.

NIPPON INDIA PHARMA 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 PHARMA 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: 22.1%. 5-year CAGR: 7.77%.

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