Should I invest in Nippon India Retirement Fund- Wealth Creation Scheme?

We don't give personal investment advice. Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 18.7%. 5-year CAGR: 13.64%.

Nippon India

Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option

Latest NAV

₹32.9126

As of

17 Jul 2026

2,812 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	+0.51%	+0.15%	+0.36	1 / 30	Q1
1W	+0.10%	-0.05%	+0.16	6 / 30	Q1
2W	+0.93%	+0.24%	+0.68	1 / 30	Q1
1M	+1.67%	+1.44%	+0.23	10 / 30	Q2
3M	+1.81%	+2.97%	-1.16	23 / 30	Q4
6M	+1.25%	+2.28%	-1.03	20 / 30	Q3
YTD	+0.21%	+1.24%	-1.03	21 / 30	Q3
1Y	+0.74%	+2.97%	-2.23	23 / 30	Q4
2Y	+0.42%	+4.32%	-3.91	28 / 30	Q4
3Y	+13.59%	+11.33%	+2.26	7 / 27	Q2
4Y	+16.51%	+12.57%	+3.94	5 / 26	Q1
5Y	+13.64%	+10.51%	+3.12	4 / 26	Q1
7Y	+13.05%	+11.63%	+1.42	8 / 19	Q2
10Y	+12.06%	+11.20%	+0.86	5 / 11	Q2
Inception	+10.94%	+11.61%	-0.67	14 / 30	Q2

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	+0.21%	+1.24%	-1.03	21 / 30
2025	+1.57%	+5.89%	-4.32	28 / 30
2024	+21.24%	+15.71%	+5.52	5 / 28
2023	+32.32%	+21.10%	+11.21	4 / 27
2022	+2.66%	+2.72%	-0.07	15 / 26
2021	+32.84%	+18.09%	+14.75	3 / 22
2020	+1.45%	+13.07%	-11.62	21 / 22
2019	+5.60%	+8.63%	-3.03	10 / 11
2018	-6.42%	-0.39%	-6.03	10 / 11
2017	+38.28%	+26.41%	+11.87	4 / 11
2016	-0.15%	+7.01%	-7.16	7 / 8

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

+13.72%

128 windows

min -34.4% · max 60.6%

78% positive

3-Year rolling

+13.06%

103 windows

min -8.4% · max 29.8%

90% positive

5-Year rolling

+12.21%

79 windows

min -1.4% · max 27.8%

97% positive

7-Year rolling

+11.81%

55 windows

min 8.1% · max 14.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

13.99%

3-year · annualised

Sharpe ratio

0.52

vs risk-free 6.5%

Sortino ratio

0.86

Downside-only deviation

Max drawdown

-18.32%

Sep 2024 → Feb 2025

% 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 Retirement Fund

Scheme	Fund house	NAV	As of
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan	HDFC	₹55.9750	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹241.8786	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹32.9126
16 Jul 2026	₹32.7442
15 Jul 2026	₹32.7577
14 Jul 2026	₹32.6726
13 Jul 2026	₹32.9276
10 Jul 2026	₹32.8783
9 Jul 2026	₹32.4582
8 Jul 2026	₹32.2338
7 Jul 2026	₹32.8674
6 Jul 2026	₹32.8309

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 Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option is ₹32.9126. It's a Retirement Fund from Nippon India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option has NAV history starting from 13 Feb 2015, a track record of about 11 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 Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option is managed by Nippon India. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option has delivered a absolute return of 0.74% — -2.23 pp behind the Retirement Fund category average of 2.97%. The fund ranks #23 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option has delivered a CAGR of 13.59% — +2.26 pp ahead of the Retirement Fund category average of 11.33%. The fund ranks #7 of 27 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option has delivered a CAGR of 13.64% — +3.12 pp ahead of the Retirement Fund category average of 10.51%. The fund ranks #4 of 26 in its category — the top (Q1) quartile.

₹1 lakh invested in Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option exactly 10 years ago would be worth approximately ₹312,150 today — a multiplier of 3.12×, based on the 10-year CAGR of 12.06%. The category average over the same window would have grown ₹1 lakh to ₹289,121.

A ₹10,000 monthly SIP in Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹813,227 today. That's an XIRR (money-weighted annualised return) of 12.11%.

A ₹10,000 monthly SIP for 10 years in Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,342,070 (multiplier 1.95×). XIRR: 12.83%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option ranks #4 out of 26 funds in the Retirement Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.51%; this fund delivered 13.64%.

The worst peak-to-trough decline Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option has experienced over the last 5-year window is 18.71% — its NAV fell from a high on 18 Oct 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 Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option averaged 12.21% (best 27.79%, worst -1.36%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is 0.48 — weak risk-adjusted performance.

In calendar year 2025, Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option returned 1.57% — lagging the Retirement Fund category average of 5.89% by 4.32 pp. It ranked #28 of 30 in its category that year.

Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 18.7%. 5-year CAGR: 13.64%.

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