Nippon India Retirement Fund - Wealth Creation Scheme Datagrid
Category Retirement Fund
BMSMONEY Rank 7
Rating
Growth Option 13-03-2026
NAV ₹26.54(R) -2.25% ₹30.08(D) -2.25%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.01% 15.61% 12.52% 10.54% 11.22%
Direct 6.01% 16.73% 13.64% 11.64% 12.43%
Nifty 500 TRI 7.03% 15.05% 12.45% 13.56% 14.3%
SIP (XIRR) Regular -10.74% 4.37% 9.51% 12.03% 10.77%
Direct -9.86% 5.43% 10.62% 13.18% 11.89%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.92 0.45 0.65 0.42% -0.42
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.66% -20.07% -17.68% 0.97 9.31%
Fund AUM As on: 30/12/2025 3226 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Union Retirement Fund 3
Icici Prudential Retirement Fund - Hybrid Conservative Plan 4
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 13-03-2026

Scheme Name NAV Rupee Change Percent Change
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option 17.81
-0.4100
-2.2500%
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option 20.83
-0.4800
-2.2500%
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option 26.54
-0.6100
-2.2500%
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan- Bonus Option 26.54
-0.6100
-2.2500%
Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option 30.08
-0.6900
-2.2500%
Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan-Growth Plan- Bonus Option 30.08
-0.6900
-2.2500%

Review Date: 13-03-2026

Beginning of Analysis

Nippon India Retirement Fund - Wealth Creation Scheme is the 10th ranked fund in the Retirement Fund category. The category has total 26 funds. The Nippon India Retirement Fund - Wealth Creation Scheme has shown a very good past performence in Retirement Fund. The fund has a Jensen Alpha of 0.42% which is higher than the category average of 0.17%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.92 which is higher than the category average of 0.81.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Nippon India Retirement Fund - Wealth Creation Scheme Return Analysis

The Nippon India Retirement Fund - Wealth Creation Scheme has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of -8.4%, -7.84 and -8.49 in last one, three and six months respectively. In the same period the category average return was -4.87%, -5.35% and -3.84% respectively.
  • Nippon India Retirement Fund - Wealth Creation Scheme has given a return of 6.01% in last one year. In the same period the Nifty 500 TRI return was 7.03%. The fund has given 1.02% less return than the benchmark return.
  • The fund has given a return of 16.73% in last three years and rank 4th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 15.05%. The fund has given 1.68% more return than the benchmark return.
  • Nippon India Retirement Fund - Wealth Creation Scheme has given a return of 13.64% in last five years and category average returns is 10.49% in same period. The fund ranked 5th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 12.45%. The fund has given 1.19% more return than the benchmark return.
  • The fund has given a return of 12.43% in last ten years and ranked 5th out of ten funds in the category. In the same period the Nifty 500 TRI return was 14.3%. The fund has given 1.87% less return than the benchmark return.
  • The fund has given a SIP return of -9.86% in last one year whereas category average SIP return is -4.39%. The fund one year return rank in the category is 23rd in 28 funds
  • The fund has SIP return of 5.43% in last three years and ranks 14th in 25 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (15.04%) in the category in last three years.
  • The fund has SIP return of 10.62% in last five years whereas category average SIP return is 8.08%.

Nippon India Retirement Fund - Wealth Creation Scheme Risk Analysis

  • The fund has a standard deviation of 12.66 and semi deviation of 9.31. The category average standard deviation is 7.97 and semi deviation is 5.87.
  • The fund has a Value at Risk (VaR) of -20.07 and a maximum drawdown of -17.68. The category average VaR is -9.51 and the maximum drawdown is -9.97. The fund has a beta of 0.97 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -8.47 -8.21
    -4.96
    		-8.66 | 0.30 28 | 29 Poor
    3M Return % -8.05 -9.72
    -5.61
    		-11.03 | 0.75 20 | 29 Average
    6M Return % -8.91 -7.62
    -4.38
    		-12.26 | 1.59 27 | 29 Poor
    1Y Return % 5.01 7.03
    5.88
    		2.39 | 18.65 12 | 29 Good
    3Y Return % 15.61 15.05
    11.69
    		5.31 | 24.28 4 | 26 Very Good
    5Y Return % 12.52 12.45
    9.20
    		4.31 | 19.63 5 | 25 Very Good
    7Y Return % 10.54 13.56
    9.55
    		4.31 | 17.66 6 | 18 Good
    10Y Return % 11.22 14.30
    10.54
    		7.01 | 16.01 5 | 10 Good
    1Y SIP Return % -10.74
    -5.34
    		-14.97 | 3.44 24 | 29 Average
    3Y SIP Return % 4.37
    5.15
    		0.79 | 13.39 15 | 26 Average
    5Y SIP Return % 9.51
    7.13
    		3.18 | 17.20 4 | 25 Very Good
    7Y SIP Return % 12.03
    9.28
    		3.63 | 19.51 4 | 18 Very Good
    10Y SIP Return % 10.77
    9.30
    		5.93 | 14.77 3 | 10 Very Good
    Standard Deviation 12.66
    7.97
    		1.10 | 14.15 23 | 26 Poor
    Semi Deviation 9.31
    5.87
    		0.78 | 10.35 23 | 26 Poor
    Max Drawdown % -17.68
    -9.97
    		-19.00 | -0.42 24 | 26 Poor
    VaR 1 Y % -20.07
    -9.51
    		-20.07 | 0.00 26 | 26 Poor
    Average Drawdown % -7.26
    -3.53
    		-7.26 | -0.21 26 | 26 Poor
    Sharpe Ratio 0.92
    0.81
    		-0.25 | 1.55 7 | 26 Very Good
    Sterling Ratio 0.65
    0.66
    		0.48 | 0.99 12 | 26 Good
    Sortino Ratio 0.45
    0.39
    		-0.09 | 0.80 7 | 26 Very Good
    Jensen Alpha % 0.42
    0.17
    		-3.49 | 7.29 8 | 26 Good
    Treynor Ratio -0.42
    -2.04
    		-18.09 | -0.33 3 | 26 Very Good
    Modigliani Square Measure % 18.01
    16.75
    		3.89 | 26.68 7 | 26 Very Good
    Alpha % 0.20
    -3.96
    		-9.80 | 8.15 3 | 26 Very Good
    Return data last Updated On : March 13, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Feb. 27, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -8.40 -8.21 -4.87 -8.58 | 0.40 28 | 29 Poor
    3M Return % -7.84 -9.72 -5.35 -10.81 | 1.05 20 | 29 Average
    6M Return % -8.49 -7.62 -3.84 -11.58 | 2.16 27 | 29 Poor
    1Y Return % 6.01 7.03 7.10 3.65 | 20.27 15 | 29 Good
    3Y Return % 16.73 15.05 12.96 6.52 | 25.98 4 | 26 Very Good
    5Y Return % 13.64 12.45 10.49 5.58 | 21.27 5 | 25 Very Good
    7Y Return % 11.64 13.56 10.93 5.64 | 19.46 7 | 18 Good
    10Y Return % 12.43 14.30 11.85 8.31 | 17.54 5 | 10 Good
    1Y SIP Return % -9.86 -4.39 -13.55 | 4.72 23 | 28 Poor
    3Y SIP Return % 5.43 6.12 1.96 | 15.04 14 | 25 Good
    5Y SIP Return % 10.62 8.08 4.36 | 18.87 3 | 24 Very Good
    7Y SIP Return % 13.18 10.28 4.88 | 21.24 3 | 17 Very Good
    10Y SIP Return % 11.89 10.56 7.16 | 16.19 4 | 10 Good
    Standard Deviation 12.66 7.97 1.10 | 14.15 23 | 26 Poor
    Semi Deviation 9.31 5.87 0.78 | 10.35 23 | 26 Poor
    Max Drawdown % -17.68 -9.97 -19.00 | -0.42 24 | 26 Poor
    VaR 1 Y % -20.07 -9.51 -20.07 | 0.00 26 | 26 Poor
    Average Drawdown % -7.26 -3.53 -7.26 | -0.21 26 | 26 Poor
    Sharpe Ratio 0.92 0.81 -0.25 | 1.55 7 | 26 Very Good
    Sterling Ratio 0.65 0.66 0.48 | 0.99 12 | 26 Good
    Sortino Ratio 0.45 0.39 -0.09 | 0.80 7 | 26 Very Good
    Jensen Alpha % 0.42 0.17 -3.49 | 7.29 8 | 26 Good
    Treynor Ratio -0.42 -2.04 -18.09 | -0.33 3 | 26 Very Good
    Modigliani Square Measure % 18.01 16.75 3.89 | 26.68 7 | 26 Very Good
    Alpha % 0.20 -3.96 -9.80 | 8.15 3 | 26 Very Good
    Return data last Updated On : March 13, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Feb. 27, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Nippon India Retirement Fund - Wealth Creation Scheme NAV Regular Growth Nippon India Retirement Fund - Wealth Creation Scheme NAV Direct Growth
    13-03-2026 26.5367 30.0801
    12-03-2026 27.1487 30.773
    11-03-2026 27.2918 30.9344
    10-03-2026 27.6807 31.3744
    09-03-2026 27.2683 30.9061
    06-03-2026 27.7869 31.4914
    05-03-2026 28.0436 31.7815
    04-03-2026 27.6698 31.357
    02-03-2026 28.1836 31.9377
    27-02-2026 28.6239 32.4342
    26-02-2026 28.9769 32.8332
    25-02-2026 28.9452 32.7965
    24-02-2026 28.8321 32.6675
    23-02-2026 29.0651 32.9307
    20-02-2026 28.9583 32.8071
    19-02-2026 28.8618 32.6969
    18-02-2026 29.3362 33.2334
    17-02-2026 29.2272 33.1092
    16-02-2026 29.1581 33.03
    13-02-2026 28.9927 32.84

    Fund Launch Date: 22/Jan/2015
    Fund Category: Retirement Fund
    Investment Objective: The investment objective of the scheme is to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in an equity oriented portfolio. The fund attempts to invest primarily in the large cap space with some allocations to good quality mid-cap companies. The fund endeavors to provide a superior wealth creation alternative for investors who are in the accumulation phase i.e seeking to create a retirement corpus during their pre-retirement phase.
    Fund Description: An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
    Fund Benchmark: S&P BSE 500 Total Return Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.