Should I invest in Reliance NRI Equity Fund?

We don't give personal investment advice. Reliance NRI Equity Fund-Dividend Plan-Dividend Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 63.4%. 5-year CAGR: 1.64%.

Reliance

Reliance NRI Equity Fund-Dividend Plan-Dividend Option

Latest NAV

₹30.8940

As of

3 Jun 2026

4,962 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	+0.23%	+0.21%	+0.02	3 / 9	Q2
1W	-0.83%	-1.01%	+0.18	1 / 9	Q1
2W	-0.16%	-0.22%	+0.06	4 / 9	Q2
1M	-1.73%	-1.60%	-0.12	5 / 9	Q3
3M	-3.06%	-2.74%	-0.32	6 / 9	Q3
6M	-6.61%	-6.02%	-0.59	6 / 9	Q3
YTD	-6.11%	-5.80%	-0.31	6 / 9	Q3
1Y	-6.53%	-4.06%	-2.47	7 / 9	Q4
2Y	-3.72%	-0.32%	-3.41	7 / 9	Q4
3Y	+2.60%	+7.68%	-5.08	8 / 9	Q4
4Y	+2.68%	+7.92%	-5.24	7 / 8	Q4
5Y	+1.64%	+6.56%	-4.92	6 / 7	Q4
7Y	+2.06%	+6.48%	-4.42	6 / 7	Q4
10Y	+3.21%	+7.14%	-3.93	5 / 7	Q3
Inception	+2.43%	+7.57%	-5.14	8 / 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	-6.11%	-5.80%	-0.31	6 / 9
2025	-1.06%	+2.29%	-3.35	7 / 9
2024	+5.23%	+11.68%	-6.45	9 / 9
2023	+9.42%	+17.65%	-8.23	9 / 9
2022	-1.60%	+5.15%	-6.74	7 / 8
2021	+8.38%	+13.53%	-5.15	6 / 7
2020	+3.31%	+4.96%	-1.64	5 / 7
2019	-0.57%	+2.91%	-3.48	5 / 7
2018	-3.50%	-5.36%	+1.86	4 / 7
2017	+11.60%	+23.10%	-11.50	7 / 7
2016	-5.70%	+0.55%	-6.25	7 / 7

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

+4.62%

234 windows

min -61.8% · max 72.5%

59% positive

3-Year rolling

+3.04%

210 windows

min -11.2% · max 19.5%

74% positive

5-Year rolling

+2.89%

185 windows

min -5.7% · max 13.6%

80% positive

7-Year rolling

+2.93%

161 windows

min -2.2% · max 12.5%

94% positive

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

7.53%

3-year · annualised

Sharpe ratio

-0.48

vs risk-free 6.5%

Sortino ratio

-0.66

Downside-only deviation

Max drawdown

-63.41%

Sep 2024 → Apr 2026

% positive months

63.9%

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 Balanced Advantage Fund

Scheme	Fund house	NAV	As of
HDFC Growth Fund - Dividend Option	HDFC	₹35.5370	3 Jun 2026
Franklin India Balanced Advantage Fund- Growth	Franklin India	₹13.9835	3 Jun 2026
Reliance NRI Equity Fund-Growth Plan-Bonus Option	Reliance	₹176.3331	3 Jun 2026
Religare Equity Fund - Dividend	Religare	₹17.1300	3 Jun 2026
Sundaram Balanced Advantage Fund (Formerly Known as Principal Balanced Advantage Fund) - Growth Option	Sundaram	₹33.9688	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹30.8940
2 Jun 2026	₹30.9604
1 Jun 2026	₹30.8885
29 May 2026	₹31.0556
27 May 2026	₹31.2981
26 May 2026	₹31.2198
25 May 2026	₹31.2811
22 May 2026	₹31.0735
21 May 2026	₹31.0183
20 May 2026	₹31.0320

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 Reliance NRI Equity Fund-Dividend Plan-Dividend Option is ₹30.8940. It's a Balanced Advantage Fund from Reliance, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Reliance NRI Equity Fund-Dividend Plan-Dividend Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Reliance NRI Equity Fund-Dividend Plan-Dividend Option is managed by Reliance. It's classified by AMFI under the 'Balanced Advantage Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance NRI Equity Fund-Dividend Plan-Dividend Option has delivered a absolute return of -6.53% — -2.47 pp behind the Balanced Advantage Fund category average of -4.06%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Reliance NRI Equity Fund-Dividend Plan-Dividend Option has delivered a CAGR of 2.60% — -5.08 pp behind the Balanced Advantage Fund category average of 7.68%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Reliance NRI Equity Fund-Dividend Plan-Dividend Option has delivered a CAGR of 1.64% — -4.92 pp behind the Balanced Advantage Fund category average of 6.56%. The fund ranks #6 of 7 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Reliance NRI Equity Fund-Dividend Plan-Dividend Option exactly 10 years ago would be worth approximately ₹137,170 today — a multiplier of 1.37×, based on the 10-year CAGR of 3.21%. The category average over the same window would have grown ₹1 lakh to ₹199,237.

A ₹10,000 monthly SIP in Reliance NRI Equity Fund-Dividend Plan-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹606,124 today. That's an XIRR (money-weighted annualised return) of 0.40%.

A ₹10,000 monthly SIP for 10 years in Reliance NRI Equity Fund-Dividend Plan-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,335,621 (multiplier 1.11×). XIRR: 2.11%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance NRI Equity Fund-Dividend Plan-Dividend Option ranks #6 out of 7 funds in the Balanced Advantage Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.56%; this fund delivered 1.64%.

The worst peak-to-trough decline Reliance NRI Equity Fund-Dividend Plan-Dividend Option has experienced over the last 5-year window is 63.41% — its NAV fell from a high on 26 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, Reliance NRI Equity Fund-Dividend Plan-Dividend Option averaged 2.89% (best 13.60%, worst -5.75%). 80% of rolling windows ended positive. The 5-year Sharpe ratio is -0.62 — negative risk-adjusted performance.

In calendar year 2025, Reliance NRI Equity Fund-Dividend Plan-Dividend Option returned -1.06% — lagging the Balanced Advantage Fund category average of 2.29% by 3.35 pp. It ranked #7 of 9 in its category that year.

Reliance NRI Equity Fund-Dividend Plan-Dividend Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Reliance NRI Equity Fund-Dividend Plan-Dividend Option is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 63.4%. 5-year CAGR: 1.64%.

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