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 - 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: 53.6%. 5-year CAGR: 5.83%.

Nippon India

NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option

Latest NAV

₹18.4980

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%	+0.10%	+0.18	1 / 9	Q1
1W	-1.79%	-0.70%	-1.08	9 / 9	Q4
2W	-0.10%	+0.13%	-0.22	8 / 9	Q4
1M	-1.91%	-0.71%	-1.20	8 / 9	Q4
3M	-1.78%	-0.54%	-1.24	9 / 9	Q4
6M	-11.92%	-3.43%	-8.49	9 / 9	Q4
YTD	-11.60%	-2.88%	-8.71	9 / 9	Q4
1Y	-9.02%	+0.26%	-9.27	8 / 9	Q4
2Y	-6.27%	+2.69%	-8.96	9 / 9	Q4
3Y	+4.66%	+9.44%	-4.78	8 / 9	Q4
4Y	+5.79%	+9.33%	-3.55	7 / 9	Q4
5Y	+5.83%	+8.28%	-2.45	6 / 9	Q3
7Y	+4.27%	+8.09%	-3.82	8 / 9	Q4
10Y	+6.50%	+5.72%	+0.79	4 / 5	Q4
Inception	+5.59%	+8.03%	-2.45	7 / 9	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	-11.60%	-2.88%	-8.71	9 / 9
2025	-6.87%	+4.73%	-11.60	9 / 9
2024	+8.88%	+12.35%	-3.47	7 / 9
2023	+24.85%	+17.85%	+6.99	3 / 9
2022	+1.61%	+1.57%	+0.04	7 / 9
2021	+31.53%	+16.36%	+15.17	2 / 9
2020	-9.17%	+7.53%	-16.70	9 / 9
2019	+4.59%	+4.07%	+0.53	3 / 5
2018	-7.25%	-1.95%	-5.30	5 / 5
2017	+36.41%	+14.67%	+21.74	1 / 5
2016	-1.86%	+5.67%	-7.53	5 / 5

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

+8.79%

126 windows

min -45.5% · max 74.4%

60% positive

3-Year rolling

+7.88%

102 windows

min -13.7% · max 25.6%

85% positive

5-Year rolling

+7.32%

77 windows

min -6.0% · max 18.9%

94% positive

7-Year rolling

+7.16%

53 windows

min 3.6% · max 10.5%

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

16.96%

3-year · annualised

Sharpe ratio

-0.03

vs risk-free 6.5%

Sortino ratio

-0.03

Downside-only deviation

Max drawdown

-53.64%

Sep 2024 → Apr 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 - IDCW Option	Nippon India	₹19.7455	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - IDCW Option	ICICI Prudential	₹27.1600	3 Jun 2026
Templeton India Pension Plan-Dividend	Franklin Templeton	₹16.2297	3 Jun 2026
UTI - Retirement Benefit Pension Fund	UTI	₹49.2493	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹18.4980
2 Jun 2026	₹18.5774
1 Jun 2026	₹18.5269
29 May 2026	₹18.7291
27 May 2026	₹18.9963
26 May 2026	₹18.9153
25 May 2026	₹18.9398
22 May 2026	₹18.7288
21 May 2026	₹18.6291
20 May 2026	₹18.6139

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 - IDCW Option is ₹18.4980. It's a Retirement Fund from Nippon India, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - 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 - 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 - IDCW Option has delivered a absolute return of -9.02% — -9.27 pp behind the Retirement Fund category average of 0.26%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option has delivered a CAGR of 4.66% — -4.78 pp behind the Retirement Fund category average of 9.44%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option has delivered a CAGR of 5.83% — -2.45 pp behind the Retirement Fund category average of 8.28%. The fund ranks #6 of 9 in its category — the third (Q3) quartile.

₹1 lakh invested in NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option exactly 10 years ago would be worth approximately ₹187,788 today — a multiplier of 1.88×, based on the 10-year CAGR of 6.50%. The category average over the same window would have grown ₹1 lakh to ₹174,374.

A ₹10,000 monthly SIP in NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹621,112 today. That's an XIRR (money-weighted annualised return) of 1.36%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,563,314 (multiplier 1.30×). XIRR: 5.16%. 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 - IDCW Option ranks #6 out of 9 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 8.28%; this fund delivered 5.83%.

The worst peak-to-trough decline NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option has experienced over the last 5-year window is 53.64% — its NAV fell from a high on 27 Sep 2024 to a low on 01 Apr 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 - IDCW Option averaged 7.32% (best 18.90%, worst -5.96%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is 0.04 — weak risk-adjusted performance.

In calendar year 2025, NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option returned -6.87% — lagging the Retirement Fund category average of 4.73% by 11.60 pp. It ranked #9 of 9 in its category that year.

NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - 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 - 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: 53.6%. 5-year CAGR: 5.83%.

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