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- 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: 19.3%. 5-year CAGR: 12.36%.

Nippon India

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

Latest NAV

₹27.5640

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	+0.27%	+0.16%	+0.11	2 / 11	Q1
1W	-1.79%	-0.86%	-0.93	10 / 11	Q4
2W	-0.10%	+0.10%	-0.19	7 / 11	Q3
1M	-1.91%	-1.05%	-0.86	7 / 11	Q3
3M	-1.78%	-1.48%	-0.30	7 / 11	Q3
6M	-4.98%	-3.09%	-1.89	8 / 11	Q3
YTD	-4.63%	-3.28%	-1.36	8 / 11	Q3
1Y	-1.85%	+0.25%	-2.10	6 / 11	Q3
2Y	+1.19%	+3.39%	-2.20	8 / 11	Q3
3Y	+13.79%	+11.15%	+2.65	3 / 11	Q2
4Y	+14.00%	+11.57%	+2.44	3 / 11	Q2
5Y	+12.36%	+10.29%	+2.06	4 / 11	Q2
7Y	+10.38%	+10.25%	+0.13	5 / 11	Q2
10Y	+10.84%	+9.87%	+0.97	3 / 7	Q2
Inception	+9.38%	+10.54%	-1.16	5 / 11	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	-4.63%	-3.28%	-1.36	8 / 11
2025	+0.62%	+5.70%	-5.08	10 / 11
2024	+20.09%	+15.02%	+5.07	3 / 11
2023	+31.01%	+21.68%	+9.33	3 / 11
2022	+1.62%	+2.84%	-1.23	9 / 11
2021	+31.52%	+20.89%	+10.64	3 / 11
2020	+0.34%	+10.17%	-9.83	10 / 11
2019	+4.59%	+6.46%	-1.87	6 / 7
2018	-7.25%	-1.56%	-5.69	6 / 7
2017	+36.41%	+22.74%	+13.67	2 / 7
2016	-1.86%	+4.19%	-6.05	3 / 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

+12.29%

126 windows

min -39.8% · max 74.4%

71% positive

3-Year rolling

+11.37%

102 windows

min -10.7% · max 27.7%

89% positive

5-Year rolling

+10.89%

77 windows

min -4.1% · max 24.3%

97% positive

7-Year rolling

+10.57%

53 windows

min 6.4% · max 13.0%

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

13.68%

3-year · annualised

Sharpe ratio

0.54

vs risk-free 6.5%

Sortino ratio

0.83

Downside-only deviation

Max drawdown

-18.65%

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	HDFC	₹46.8480	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	₹27.5640
2 Jun 2026	₹27.6824
1 Jun 2026	₹27.6071
29 May 2026	₹27.9084
27 May 2026	₹28.3066
26 May 2026	₹28.1859
25 May 2026	₹28.2223
22 May 2026	₹27.9079
21 May 2026	₹27.7594
20 May 2026	₹27.7367

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- Growth Plan - Growth Option is ₹27.5640. It's a Retirement Fund from Nippon India, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Nippon India Retirement Fund- Wealth Creation Scheme- 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- 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- Growth Plan - Growth Option has delivered a absolute return of -1.85% — -2.1 pp behind the Retirement Fund category average of 0.25%. The fund ranks #6 of 11 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option has delivered a CAGR of 13.79% — +2.65 pp ahead of the Retirement Fund category average of 11.15%. The fund ranks #3 of 11 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option has delivered a CAGR of 12.36% — +2.06 pp ahead of the Retirement Fund category average of 10.29%. The fund ranks #4 of 11 in its category — the second (Q2) quartile.

₹1 lakh invested in Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option exactly 10 years ago would be worth approximately ₹279,823 today — a multiplier of 2.80×, based on the 10-year CAGR of 10.84%. The category average over the same window would have grown ₹1 lakh to ₹256,346.

A ₹10,000 monthly SIP in Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹769,690 today. That's an XIRR (money-weighted annualised return) of 9.89%.

A ₹10,000 monthly SIP for 10 years in Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,136,299 (multiplier 1.78×). XIRR: 11.10%. 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- Growth Plan - Growth Option ranks #4 out of 11 funds in the Retirement Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.29%; this fund delivered 12.36%.

The worst peak-to-trough decline Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option has experienced over the last 5-year window is 19.29% — 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- Growth Plan - Growth Option averaged 10.89% (best 24.33%, worst -4.07%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option returned 0.62% — lagging the Retirement Fund category average of 5.70% by 5.08 pp. It ranked #10 of 11 in its category that year.

Nippon India Retirement Fund- Wealth Creation Scheme- 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- 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: 19.3%. 5-year CAGR: 12.36%.

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