Should I invest in Reliance Pharma Fund?

We don't give personal investment advice. Reliance Pharma Fund-Growth Plan-Growth 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: 20.0%. 5-year CAGR: 12.41%.

Reliance

Reliance Pharma Fund-Growth Plan-Growth

Latest NAV

₹530.3524

As of

3 Jun 2026

4,963 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	-0.07%	+0.28%	-0.36	92 / 122	Q4
1W	-2.12%	-1.28%	-0.84	93 / 122	Q4
2W	-3.67%	+0.09%	-3.76	118 / 122	Q4
1M	+0.95%	-0.62%	+1.57	33 / 122	Q2
3M	+3.05%	+1.50%	+1.55	48 / 122	Q2
6M	+2.53%	-2.06%	+4.59	39 / 122	Q2
YTD	+3.79%	-1.85%	+5.64	38 / 122	Q2
1Y	+4.94%	+2.44%	+2.50	39 / 119	Q2
2Y	+10.58%	+3.47%	+7.12	18 / 116	Q1
3Y	+21.40%	+14.90%	+6.50	22 / 112	Q1
4Y	+18.99%	+14.65%	+4.34	27 / 105	Q2
5Y	+12.41%	+12.36%	+0.04	52 / 104	Q2
7Y	+20.46%	+13.76%	+6.70	11 / 99	Q1
10Y	+14.96%	+11.67%	+3.30	21 / 93	Q1
Inception	+17.43%	+10.81%	+6.63	13 / 122	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	+3.79%	-2.01%	+5.81	36 / 118
2025	-3.76%	+3.20%	-6.95	88 / 115
2024	+33.67%	+19.60%	+14.07	13 / 113
2023	+40.12%	+31.56%	+8.57	28 / 108
2022	-9.90%	+2.19%	-12.09	89 / 104
2021	+23.04%	+32.41%	-9.37	67 / 102
2020	+65.84%	+18.32%	+47.52	6 / 100
2019	+1.77%	+5.50%	-3.73	64 / 97
2018	+3.88%	-10.07%	+13.95	10 / 94
2017	+7.14%	+30.10%	-22.96	87 / 93
2016	-10.45%	-0.25%	-10.20	83 / 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

+22.16%

234 windows

min -35.1% · max 162.6%

75% positive

3-Year rolling

+19.95%

210 windows

min -2.3% · max 45.5%

96% positive

5-Year rolling

+18.88%

185 windows

min 0.2% · max 39.1%

100% positive

7-Year rolling

+18.28%

161 windows

min 8.8% · max 36.9%

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

14.63%

3-year · annualised

Sharpe ratio

0.96

vs risk-free 6.5%

Sortino ratio

1.81

Downside-only deviation

Max drawdown

-14.84%

Jan 2025 → 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹16.8310	3 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.7005	3 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹71.4772	3 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5700	3 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹21.5824	3 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.2801	3 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹67.0980	3 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.3200	3 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹382.6597	3 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹62.7500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹530.3524
2 Jun 2026	₹528.5113
1 Jun 2026	₹528.9056
29 May 2026	₹533.2115
27 May 2026	₹539.7005
26 May 2026	₹539.9347
25 May 2026	₹541.7249
22 May 2026	₹540.9123
21 May 2026	₹549.2545
20 May 2026	₹546.9917

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 Pharma Fund-Growth Plan-Growth is ₹530.3524. 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-Growth Plan-Growth 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 Pharma Fund-Growth Plan-Growth 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-Growth Plan-Growth has delivered a absolute return of 4.94% — +2.5 pp ahead of the Sectoral/Thematic Fund category average of 2.44%. The fund ranks #39 of 119 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Reliance Pharma Fund-Growth Plan-Growth has delivered a CAGR of 21.40% — +6.5 pp ahead of the Sectoral/Thematic Fund category average of 14.90%. The fund ranks #22 of 112 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Reliance Pharma Fund-Growth Plan-Growth has delivered a CAGR of 12.41% — +0.04 pp ahead of the Sectoral/Thematic Fund category average of 12.36%. The fund ranks #52 of 104 in its category — the second (Q2) quartile.

₹1 lakh invested in Reliance Pharma Fund-Growth Plan-Growth exactly 10 years ago would be worth approximately ₹403,323 today — a multiplier of 4.03×, based on the 10-year CAGR of 14.96%. The category average over the same window would have grown ₹1 lakh to ₹301,430.

A ₹10,000 monthly SIP in Reliance Pharma Fund-Growth Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹867,909 today. That's an XIRR (money-weighted annualised return) of 14.74%.

A ₹10,000 monthly SIP for 10 years in Reliance Pharma Fund-Growth Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹2,928,461 (multiplier 2.44×). XIRR: 16.99%. 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-Growth Plan-Growth ranks #52 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.36%; this fund delivered 12.41%.

The worst peak-to-trough decline Reliance Pharma Fund-Growth Plan-Growth has experienced over the last 5-year window is 20.05% — its NAV fell from a high on 15 Sep 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, Reliance Pharma Fund-Growth Plan-Growth averaged 18.88% (best 39.10%, worst 0.17%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.44 — weak risk-adjusted performance.

In calendar year 2025, Reliance Pharma Fund-Growth Plan-Growth returned -3.76% — lagging the Sectoral/Thematic Fund category average of 3.20% by 6.95 pp. It ranked #88 of 115 in its category that year.

Reliance Pharma Fund-Growth Plan-Growth 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-Growth Plan-Growth 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: 20.0%. 5-year CAGR: 12.41%.

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