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 - IDCW 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: 27.1%. 5-year CAGR: 7.58%.

Nippon India

NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option

Latest NAV

₹22.7963

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%	+0.13%	+0.38	1 / 23	Q1
1W	+0.10%	-0.04%	+0.14	4 / 23	Q1
2W	+0.93%	-0.77%	+1.70	1 / 23	Q1
1M	+1.67%	+0.41%	+1.25	7 / 23	Q2
3M	+1.81%	+1.93%	-0.12	17 / 23	Q3
6M	-5.14%	+1.13%	-6.28	20 / 23	Q4
YTD	-6.11%	+0.09%	-6.21	20 / 23	Q4
1Y	-5.62%	+0.68%	-6.30	19 / 23	Q4
2Y	-6.56%	+2.40%	-8.96	23 / 23	Q4
3Y	+5.18%	+8.63%	-3.44	16 / 20	Q4
4Y	+8.80%	+9.86%	-1.06	12 / 19	Q3
5Y	+7.58%	+8.42%	-0.84	10 / 19	Q3
7Y	+7.27%	+8.89%	-1.62	7 / 12	Q3
10Y	+8.02%	+6.30%	+1.72	2 / 4	Q2
Inception	+7.43%	+9.90%	-2.47	20 / 23	Q4

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	-6.11%	+0.09%	-6.21	20 / 23
2025	-6.12%	+4.83%	-10.94	23 / 23
2024	+11.17%	+11.40%	-0.23	12 / 21
2023	+26.70%	+19.27%	+7.42	5 / 20
2022	+2.66%	+2.24%	+0.42	11 / 19
2021	+32.84%	+15.66%	+17.18	2 / 15
2020	-7.58%	+11.58%	-19.16	15 / 15
2019	+5.60%	+3.85%	+1.74	2 / 4
2018	-6.42%	-1.83%	-4.59	4 / 4
2017	+38.28%	+16.59%	+21.69	1 / 4
2016	-0.15%	+6.30%	-6.45	4 / 4

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

+10.30%

128 windows

min -40.2% · max 60.6%

68% positive

3-Year rolling

+9.66%

103 windows

min -11.2% · max 27.9%

87% positive

5-Year rolling

+8.83%

79 windows

min -3.2% · max 22.6%

94% positive

7-Year rolling

+8.55%

55 windows

min 5.6% · max 12.0%

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

17.07%

3-year · annualised

Sharpe ratio

0.00

vs risk-free 6.5%

Sortino ratio

0.00

Downside-only deviation

Max drawdown

-27.14%

Sep 2024 → Mar 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 Retirement Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹20.6572	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹13.2420	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹20.4410	17 Jul 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹18.3984	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
UTI Retirement Fund- Direct Plan	UTI	₹55.0672	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹18.7000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹22.7963
16 Jul 2026	₹22.6797
15 Jul 2026	₹22.6890
14 Jul 2026	₹22.6301
13 Jul 2026	₹22.8067
10 Jul 2026	₹22.7726
9 Jul 2026	₹22.4816
8 Jul 2026	₹22.3262
7 Jul 2026	₹22.7650
6 Jul 2026	₹22.7397

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 - IDCW Option is ₹22.7963. It's a Retirement Fund from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW 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 - IDCW 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 - IDCW Option has delivered a absolute return of -5.62% — -6.3 pp behind the Retirement Fund category average of 0.68%. The fund ranks #19 of 23 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option has delivered a CAGR of 5.18% — -3.44 pp behind the Retirement Fund category average of 8.63%. The fund ranks #16 of 20 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option has delivered a CAGR of 7.58% — -0.84 pp behind the Retirement Fund category average of 8.42%. The fund ranks #10 of 19 in its category — the third (Q3) quartile.

₹1 lakh invested in NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option exactly 10 years ago would be worth approximately ₹216,205 today — a multiplier of 2.16×, based on the 10-year CAGR of 8.02%. The category average over the same window would have grown ₹1 lakh to ₹184,158.

A ₹10,000 monthly SIP in NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹671,474 today. That's an XIRR (money-weighted annualised return) of 4.45%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,760,055 (multiplier 1.47×). XIRR: 7.44%. 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 - IDCW Option ranks #10 out of 19 funds in the Retirement Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.42%; this fund delivered 7.58%.

The worst peak-to-trough decline NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option has experienced over the last 5-year window is 27.14% — its NAV fell from a high on 27 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 RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option averaged 8.83% (best 22.56%, worst -3.18%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is 0.13 — weak risk-adjusted performance.

In calendar year 2025, NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option returned -6.12% — lagging the Retirement Fund category average of 4.83% by 10.94 pp. It ranked #23 of 23 in its category that year.

NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW 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 - IDCW 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: 27.1%. 5-year CAGR: 7.58%.

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