Should I invest in Reliance Pharma Fund?

We don't give personal investment advice. Reliance Pharma Fund-Dividend-Dividend is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 57.3%. 5-year CAGR: 5.93%.

Reliance

Reliance Pharma Fund-Dividend-Dividend

Latest NAV

₹121.1356

As of

17 Jul 2026

4,994 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	-1.13%	-0.07%	-1.06	110 / 122	Q4
1W	-0.24%	-0.15%	-0.09	69 / 122	Q3
2W	-0.58%	-0.13%	-0.44	79 / 122	Q3
1M	+4.80%	+1.33%	+3.47	7 / 122	Q1
3M	+11.15%	+3.32%	+7.83	7 / 122	Q1
6M	+3.81%	+2.87%	+0.94	48 / 122	Q2
YTD	+2.07%	+1.43%	+0.64	48 / 122	Q2
1Y	-1.25%	+2.53%	-3.78	80 / 120	Q3
2Y	+1.10%	+1.69%	-0.58	54 / 116	Q2
3Y	+10.18%	+13.72%	-3.54	83 / 114	Q3
4Y	+12.44%	+15.46%	-3.02	72 / 106	Q3
5Y	+5.93%	+12.16%	-6.23	91 / 104	Q4
7Y	+14.07%	+15.00%	-0.93	56 / 99	Q3
10Y	+6.51%	+11.50%	-5.00	80 / 93	Q4
Inception	+9.43%	+11.17%	-1.73	72 / 122	Q3

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	+2.07%	+1.37%	+0.70	46 / 118
2025	-11.90%	+3.20%	-15.09	114 / 115
2024	+22.56%	+19.60%	+2.96	36 / 113
2023	+40.12%	+31.56%	+8.57	26 / 108
2022	-13.79%	+2.19%	-15.98	93 / 104
2021	+13.50%	+32.41%	-18.91	90 / 102
2020	+51.73%	+18.32%	+33.41	11 / 100
2019	-7.22%	+5.50%	-12.72	93 / 97
2018	-6.76%	-10.07%	+3.31	36 / 94
2017	-3.81%	+30.10%	-33.91	93 / 93
2016	-19.25%	-0.25%	-19.00	93 / 93

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

+13.37%

236 windows

min -38.5% · max 153.8%

61% positive

3-Year rolling

+11.75%

211 windows

min -11.8% · max 41.6%

82% positive

5-Year rolling

+10.43%

187 windows

min -8.9% · max 30.8%

90% positive

7-Year rolling

+9.53%

163 windows

min -0.2% · max 26.7%

99% 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

15.21%

3-year · annualised

Sharpe ratio

0.29

vs risk-free 6.5%

Sortino ratio

0.43

Downside-only deviation

Max drawdown

-57.30%

Jan 2025 → Apr 2026

% positive months

58.3%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹18.4020	17 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.0439	17 Jul 2026
Magnum Equity Fund -Dividend	SBI	₹75.2678	17 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.7400	17 Jul 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.5340	17 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.5442	17 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.7640	17 Jul 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.5500	17 Jul 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹397.9086	17 Jul 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹66.3400	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹121.1356
16 Jul 2026	₹122.5167
15 Jul 2026	₹122.2381
14 Jul 2026	₹121.9216
13 Jul 2026	₹121.1492
10 Jul 2026	₹121.4240
9 Jul 2026	₹121.0101
8 Jul 2026	₹119.9517
7 Jul 2026	₹121.3197
6 Jul 2026	₹121.9728

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 Pharma Fund-Dividend-Dividend is ₹121.1356. It's a Sectoral/Thematic Fund from Reliance, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Reliance Pharma Fund-Dividend-Dividend 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 Pharma Fund-Dividend-Dividend is managed by Reliance. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Pharma Fund-Dividend-Dividend has delivered a absolute return of -1.25% — -3.78 pp behind the Sectoral/Thematic Fund category average of 2.53%. The fund ranks #80 of 120 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Reliance Pharma Fund-Dividend-Dividend has delivered a CAGR of 10.18% — -3.54 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #83 of 114 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Reliance Pharma Fund-Dividend-Dividend has delivered a CAGR of 5.93% — -6.23 pp behind the Sectoral/Thematic Fund category average of 12.16%. The fund ranks #91 of 104 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Reliance Pharma Fund-Dividend-Dividend exactly 10 years ago would be worth approximately ₹187,844 today — a multiplier of 1.88×, based on the 10-year CAGR of 6.51%. The category average over the same window would have grown ₹1 lakh to ₹297,061.

A ₹10,000 monthly SIP in Reliance Pharma Fund-Dividend-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹742,718 today. That's an XIRR (money-weighted annualised return) of 8.47%.

A ₹10,000 monthly SIP for 10 years in Reliance Pharma Fund-Dividend-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,985,214 (multiplier 1.65×). XIRR: 9.72%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Pharma Fund-Dividend-Dividend ranks #91 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 12.16%; this fund delivered 5.93%.

The worst peak-to-trough decline Reliance Pharma Fund-Dividend-Dividend has experienced over the last 5-year window is 57.30% — its NAV fell from a high on 02 Jan 2025 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 Pharma Fund-Dividend-Dividend averaged 10.43% (best 30.83%, worst -8.87%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is 0.03 — weak risk-adjusted performance.

In calendar year 2025, Reliance Pharma Fund-Dividend-Dividend returned -11.90% — lagging the Sectoral/Thematic Fund category average of 3.20% by 15.09 pp. It ranked #114 of 115 in its category that year.

Reliance Pharma Fund-Dividend-Dividend is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

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

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 57.3%. 5-year CAGR: 5.93%.

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