Should I invest in Reliance NRI Equity Fund?

We don't give personal investment advice. Reliance NRI Equity Fund-Growth Plan-Bonus 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: 9.0%. 5-year CAGR: 9.37%.

Reliance

Reliance NRI Equity Fund-Growth Plan-Bonus Option

Latest NAV

₹183.8641

As of

17 Jul 2026

4,993 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.

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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	+0.36%	+0.40%	-0.04	5 / 9	Q3
1W	+0.11%	0.00%	+0.11	5 / 9	Q3
2W	+0.43%	+0.01%	+0.42	1 / 9	Q1
1M	+1.70%	+0.95%	+0.75	1 / 9	Q1
3M	+2.36%	+0.75%	+1.61	1 / 9	Q1
6M	+2.21%	-1.65%	+3.86	1 / 9	Q1
YTD	+1.14%	-2.82%	+3.96	1 / 9	Q1
1Y	+3.75%	-2.15%	+5.90	1 / 9	Q1
2Y	+4.18%	-0.39%	+4.57	1 / 9	Q1
3Y	+10.67%	+7.49%	+3.18	2 / 9	Q1
4Y	+11.26%	+8.85%	+2.41	3 / 9	Q2
5Y	+9.37%	+6.80%	+2.57	2 / 7	Q2
7Y	+10.58%	+7.36%	+3.22	2 / 7	Q2
10Y	+10.39%	+6.92%	+3.47	2 / 7	Q2
Inception	+11.81%	+7.80%	+4.01	2 / 9	Q1

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	+1.14%	-2.82%	+3.96	1 / 9
2025	+6.98%	+2.29%	+4.69	1 / 9
2024	+12.81%	+11.68%	+1.14	4 / 9
2023	+17.40%	+17.65%	-0.26	5 / 9
2022	+5.09%	+5.15%	-0.06	3 / 8
2021	+15.42%	+13.53%	+1.89	2 / 7
2020	+11.04%	+4.96%	+6.09	1 / 7
2019	+8.01%	+2.91%	+5.10	2 / 7
2018	+1.26%	-5.36%	+6.62	1 / 7
2017	+24.14%	+23.10%	+1.04	3 / 7
2016	+5.50%	+0.55%	+4.95	2 / 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

+14.09%

236 windows

min -56.4% · max 114.4%

82% positive

3-Year rolling

+12.11%

211 windows

min -0.1% · max 35.5%

100% positive

5-Year rolling

+11.69%

187 windows

min 2.3% · max 23.9%

100% positive

7-Year rolling

+11.66%

163 windows

min 7.8% · max 20.7%

100% 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

7.60%

3-year · annualised

Sharpe ratio

0.52

vs risk-free 6.5%

Sortino ratio

0.98

Downside-only deviation

Max drawdown

-9.03%

Sep 2024 → Feb 2025

% positive months

66.7%

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	₹36.6740	17 Jul 2026
Franklin India Balanced Advantage Fund- Growth	Franklin India	₹14.4892	17 Jul 2026
Reliance NRI Equity Fund-Dividend Plan-Dividend Option	Reliance	₹31.7628	17 Jul 2026
Religare Equity Fund - Dividend	Religare	₹17.4300	17 Jul 2026
Sundaram Balanced Advantage Fund (Formerly Known as Principal Balanced Advantage Fund) - Growth Option	Sundaram	₹35.1465	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹183.8641
16 Jul 2026	₹183.2057
15 Jul 2026	₹183.1583
14 Jul 2026	₹182.7018
13 Jul 2026	₹183.6615
10 Jul 2026	₹183.6614
9 Jul 2026	₹182.5315
8 Jul 2026	₹181.6494
7 Jul 2026	₹184.0897
6 Jul 2026	₹183.9362

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 Reliance NRI Equity Fund-Growth Plan-Bonus Option is ₹183.8641. 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-Growth Plan-Bonus Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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-Growth Plan-Bonus 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-Growth Plan-Bonus Option has delivered a absolute return of 3.75% — +5.9 pp ahead of the Balanced Advantage Fund category average of -2.15%. The fund ranks #1 of 9 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Reliance NRI Equity Fund-Growth Plan-Bonus Option has delivered a CAGR of 10.67% — +3.18 pp ahead of the Balanced Advantage Fund category average of 7.49%. The fund ranks #2 of 9 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Reliance NRI Equity Fund-Growth Plan-Bonus Option has delivered a CAGR of 9.37% — +2.57 pp ahead of the Balanced Advantage Fund category average of 6.80%. The fund ranks #2 of 7 in its category — the second (Q2) quartile.

₹1 lakh invested in Reliance NRI Equity Fund-Growth Plan-Bonus Option exactly 10 years ago would be worth approximately ₹268,684 today — a multiplier of 2.69×, based on the 10-year CAGR of 10.39%. The category average over the same window would have grown ₹1 lakh to ₹195,255.

A ₹10,000 monthly SIP in Reliance NRI Equity Fund-Growth Plan-Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹760,557 today. That's an XIRR (money-weighted annualised return) of 9.42%.

A ₹10,000 monthly SIP for 10 years in Reliance NRI Equity Fund-Growth Plan-Bonus Option = ₹1,200,000 invested. It would currently be worth ₹2,037,421 (multiplier 1.70×). XIRR: 10.21%. 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-Growth Plan-Bonus Option ranks #2 out of 7 funds in the Balanced Advantage Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.80%; this fund delivered 9.37%.

The worst peak-to-trough decline Reliance NRI Equity Fund-Growth Plan-Bonus Option has experienced over the last 5-year window is 9.03% — its NAV fell from a high on 26 Sep 2024 to a low on 28 Feb 2025. 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-Growth Plan-Bonus Option averaged 11.69% (best 23.86%, worst 2.30%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.36 — weak risk-adjusted performance.

In calendar year 2025, Reliance NRI Equity Fund-Growth Plan-Bonus Option returned 6.98% — beating the Balanced Advantage Fund category average of 2.29% by 4.69 pp. It ranked #1 of 9 in its category that year.

Reliance NRI Equity Fund-Growth Plan-Bonus 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-Growth Plan-Bonus 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: 9.0%. 5-year CAGR: 9.37%.

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

Reliance NRI Equity Fund-Growth Plan-Bonus Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Balanced Advantage Fund

Recent NAVs

Frequently asked questions

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