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: 13.46%.

Nippon India

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

Latest NAV

₹31.3095

As of

3 Jun 2026

2,781 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	+0.28%	+0.23%	+0.05	11 / 30	Q2
1W	-1.77%	-0.92%	-0.84	27 / 30	Q4
2W	-0.06%	+0.19%	-0.25	22 / 30	Q3
1M	-1.84%	-0.65%	-1.20	25 / 30	Q4
3M	-1.55%	-0.23%	-1.32	22 / 30	Q3
6M	-4.54%	-2.18%	-2.35	24 / 30	Q4
YTD	-4.26%	-2.35%	-1.92	24 / 30	Q4
1Y	-0.92%	+1.26%	-2.18	20 / 30	Q3
2Y	+2.15%	+4.77%	-2.61	26 / 30	Q4
3Y	+14.89%	+11.65%	+3.24	6 / 27	Q1
4Y	+15.10%	+11.78%	+3.32	6 / 26	Q1
5Y	+13.46%	+10.27%	+3.18	4 / 26	Q1
7Y	+11.48%	+10.86%	+0.62	8 / 19	Q2
10Y	+12.02%	+11.27%	+0.75	5 / 11	Q2
Inception	+10.62%	+11.15%	-0.53	13 / 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	-4.26%	-2.35%	-1.92	24 / 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

+13.56%

126 windows

min -39.3% · max 76.3%

74% positive

3-Year rolling

+12.57%

102 windows

min -9.8% · max 29.0%

90% positive

5-Year rolling

+12.06%

77 windows

min -2.8% · max 25.6%

99% positive

7-Year rolling

+11.75%

53 windows

min 7.7% · max 14.1%

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

13.70%

3-year · annualised

Sharpe ratio

0.61

vs risk-free 6.5%

Sortino ratio

0.95

Downside-only deviation

Max drawdown

-18.32%

Sep 2024 → Feb 2025

% positive months

72.2%

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	₹53.5320	3 Jun 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹19.7204	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹30.3700	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹12.8150	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹23.5840	3 Jun 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹235.8290	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹19.4100	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹31.3095
2 Jun 2026	₹31.4432
1 Jun 2026	₹31.3569
29 May 2026	₹31.6968
27 May 2026	₹32.1474
26 May 2026	₹32.0095
25 May 2026	₹32.0501
22 May 2026	₹31.6908
21 May 2026	₹31.5213
20 May 2026	₹31.4947

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 Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option is ₹31.3095. 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 3 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 -0.92% — -2.18 pp behind the Retirement Fund category average of 1.26%. The fund ranks #20 of 30 in its category — the third (Q3) 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 14.89% — +3.24 pp ahead of the Retirement Fund category average of 11.65%. The fund ranks #6 of 27 in its category — the top (Q1) 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 13.46% — +3.18 pp ahead of the Retirement Fund category average of 10.27%. 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 ₹311,248 today — a multiplier of 3.11×, based on the 10-year CAGR of 12.02%. The category average over the same window would have grown ₹1 lakh to ₹290,946.

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 ₹791,104 today. That's an XIRR (money-weighted annualised return) of 10.99%.

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 ₹2,265,813 (multiplier 1.89×). XIRR: 12.21%. 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 10.27%; this fund delivered 13.46%.

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 12.06% (best 25.60%, worst -2.84%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.52 — reasonable 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: 13.46%.

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