Should I invest in NIPPON INDIA PHARMA FUND?

We don't give personal investment advice. NIPPON INDIA PHARMA FUND - 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: 57.3%. 5-year CAGR: 5.64%.

Reliance

NIPPON INDIA PHARMA FUND - IDCW Option

Latest NAV

₹120.0881

As of

24 Jul 2026

4,999 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	-0.22%	-0.24%	+0.02	68 / 122	Q3
1W	-0.86%	-1.20%	+0.34	41 / 122	Q2
2W	-1.10%	-1.38%	+0.28	54 / 122	Q2
1M	+0.77%	-0.33%	+1.10	37 / 122	Q2
3M	+9.68%	+2.77%	+6.90	11 / 122	Q1
6M	+6.01%	+4.75%	+1.26	47 / 122	Q2
YTD	+1.19%	+0.21%	+0.98	47 / 122	Q2
1Y	-2.44%	+1.48%	-3.92	84 / 120	Q3
2Y	+0.05%	+1.54%	-1.49	58 / 116	Q2
3Y	+9.06%	+13.01%	-3.94	89 / 114	Q4
4Y	+12.48%	+14.55%	-2.07	71 / 106	Q3
5Y	+5.64%	+11.72%	-6.08	88 / 104	Q4
7Y	+13.71%	+14.88%	-1.17	59 / 99	Q3
10Y	+6.20%	+11.23%	-5.03	80 / 93	Q4
Inception	+9.38%	+10.97%	-1.59	71 / 122	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	+1.19%	+0.11%	+1.07	45 / 118
2025	-11.90%	+3.20%	-15.09	114 / 115
2024	+22.56%	+19.60%	+2.96	36 / 113
2023	+40.12%	+31.56%	+8.57	26 / 108
2022	-13.79%	+2.19%	-15.98	93 / 104
2021	+13.50%	+32.41%	-18.91	90 / 102
2020	+51.73%	+18.32%	+33.41	11 / 100
2019	-7.22%	+5.50%	-12.72	93 / 97
2018	-6.76%	-10.07%	+3.31	36 / 94
2017	-3.81%	+30.10%	-33.91	93 / 93
2016	-19.25%	-0.25%	-19.00	93 / 93

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

+13.59%

236 windows

min -42.1% · max 154.2%

61% positive

3-Year rolling

+11.76%

211 windows

min -11.8% · max 42.3%

83% positive

5-Year rolling

+10.42%

187 windows

min -9.3% · max 30.1%

89% positive

7-Year rolling

+9.56%

163 windows

min -0.4% · max 27.8%

99% 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

16.18%

3-year · annualised

Sharpe ratio

0.23

vs risk-free 6.5%

Sortino ratio

0.34

Downside-only deviation

Max drawdown

-57.30%

Jan 2025 → Apr 2026

% 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 - Growth Option	HDFC	₹17.7760	24 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.1441	24 Jul 2026
SBI COMMA Fund - REGULAR PLAN - Growth	SBI	₹114.8349	24 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5800	24 Jul 2026
Franklin Asian Equity Fund - Growth Plan	Franklin Templeton	₹43.3220	24 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.3942	24 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.1110	24 Jul 2026
CANARA ROBECO INFRASTRUCTURE FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹166.1100	24 Jul 2026
UTI - MNC Fund - Regular Plan - Growth Option	UTI	₹392.8627	24 Jul 2026
Aditya Birla Sun Life Consumption Fund -Regular - IDCW	Birla Sun Life	₹35.4300	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹120.0881
23 Jul 2026	₹120.3546
22 Jul 2026	₹120.8294
21 Jul 2026	₹122.8243
20 Jul 2026	₹122.4063
17 Jul 2026	₹121.1356
16 Jul 2026	₹122.5167
15 Jul 2026	₹122.2381
14 Jul 2026	₹121.9216
13 Jul 2026	₹121.1492

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 24 Jul 2026, the NAV of NIPPON INDIA PHARMA FUND - IDCW Option is ₹120.0881. It's a Sectoral/Thematic Fund from Reliance, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA PHARMA FUND - IDCW Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

NIPPON INDIA PHARMA FUND - IDCW Option is managed by Reliance. 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 - IDCW Option has delivered a absolute return of -2.44% — -3.92 pp behind the Sectoral/Thematic Fund category average of 1.48%. The fund ranks #84 of 120 in its category — the third (Q3) quartile.

Over the trailing 3-year window, NIPPON INDIA PHARMA FUND - IDCW Option has delivered a CAGR of 9.06% — -3.94 pp behind the Sectoral/Thematic Fund category average of 13.01%. The fund ranks #89 of 114 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, NIPPON INDIA PHARMA FUND - IDCW Option has delivered a CAGR of 5.64% — -6.08 pp behind the Sectoral/Thematic Fund category average of 11.72%. The fund ranks #88 of 104 in its category — the bottom (Q4) quartile.

₹1 lakh invested in NIPPON INDIA PHARMA FUND - IDCW Option exactly 10 years ago would be worth approximately ₹182,426 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.20%. The category average over the same window would have grown ₹1 lakh to ₹289,792.

A ₹10,000 monthly SIP in NIPPON INDIA PHARMA FUND - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹739,656 today. That's an XIRR (money-weighted annualised return) of 8.30%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA PHARMA FUND - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,971,628 (multiplier 1.64×). XIRR: 9.59%. 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 - IDCW Option ranks #88 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 11.72%; this fund delivered 5.64%.

The worst peak-to-trough decline NIPPON INDIA PHARMA FUND - IDCW Option has experienced over the last 5-year window is 57.30% — its NAV fell from a high on 02 Jan 2025 to a low on 01 Apr 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 PHARMA FUND - IDCW Option averaged 10.42% (best 30.13%, worst -9.32%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is 0.02 — weak risk-adjusted performance.

In calendar year 2025, NIPPON INDIA PHARMA FUND - IDCW Option returned -11.90% — lagging the Sectoral/Thematic Fund category average of 3.20% by 15.09 pp. It ranked #114 of 115 in its category that year.

NIPPON INDIA PHARMA FUND - 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 - 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: 57.3%. 5-year CAGR: 5.64%.

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