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: 7.41%.

Nippon India

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

Latest NAV

₹21.6860

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%	+0.22%	+0.06	8 / 23	Q2
1W	-1.77%	-0.85%	-0.92	22 / 23	Q4
2W	-0.06%	+0.26%	-0.33	20 / 23	Q4
1M	-1.84%	-0.63%	-1.21	21 / 23	Q4
3M	-1.55%	-0.35%	-1.20	18 / 23	Q4
6M	-10.56%	-2.60%	-7.96	22 / 23	Q4
YTD	-10.31%	-2.50%	-7.81	23 / 23	Q4
1Y	-7.17%	+0.11%	-7.28	22 / 23	Q4
2Y	-4.94%	+3.18%	-8.12	22 / 23	Q4
3Y	+6.39%	+9.35%	-2.97	16 / 20	Q4
4Y	+7.48%	+9.49%	-2.01	14 / 19	Q3
5Y	+7.41%	+8.43%	-1.02	11 / 19	Q3
7Y	+5.78%	+8.21%	-2.43	9 / 12	Q3
10Y	+7.98%	+6.32%	+1.66	2 / 4	Q2
Inception	+7.08%	+9.54%	-2.45	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	-10.31%	-2.50%	-7.81	23 / 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

+10.28%

126 windows

min -44.7% · max 76.3%

63% positive

3-Year rolling

+9.31%

102 windows

min -12.6% · max 27.2%

88% positive

5-Year rolling

+8.72%

77 windows

min -4.6% · max 20.5%

95% positive

7-Year rolling

+8.56%

53 windows

min 5.1% · max 11.9%

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

16.67%

3-year · annualised

Sharpe ratio

0.07

vs risk-free 6.5%

Sortino ratio

0.09

Downside-only deviation

Max drawdown

-27.14%

Sep 2024 → Mar 2026

% positive months

69.4%

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	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.7224	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹30.3800	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹12.8060	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹19.1980	3 Jun 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹17.9390	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
UTI Retirement Fund- Direct Plan	UTI	₹53.4109	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹19.3600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹21.6860
2 Jun 2026	₹21.7786
1 Jun 2026	₹21.7188
29 May 2026	₹21.9542
27 May 2026	₹22.2664
26 May 2026	₹22.1709
25 May 2026	₹22.1990
22 May 2026	₹21.9501
21 May 2026	₹21.8327
20 May 2026	₹21.8143

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 - IDCW Option is ₹21.6860. 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 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 - 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 -7.17% — -7.28 pp behind the Retirement Fund category average of 0.11%. The fund ranks #22 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 6.39% — -2.97 pp behind the Retirement Fund category average of 9.35%. 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 7.41% — -1.02 pp behind the Retirement Fund category average of 8.43%. The fund ranks #11 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 ₹215,581 today — a multiplier of 2.16×, based on the 10-year CAGR of 7.98%. The category average over the same window would have grown ₹1 lakh to ₹184,614.

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 ₹648,996 today. That's an XIRR (money-weighted annualised return) of 3.10%.

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 ₹1,695,992 (multiplier 1.41×). XIRR: 6.73%. 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 #11 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 8.43%; this fund delivered 7.41%.

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 8.72% (best 20.46%, worst -4.64%). 95% 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: 7.41%.

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