Nippon India Retirement Fund - Wealth Creation Scheme Datagrid
Category Retirement Fund
BMSMONEY Rank 9
Rating
Growth Option 12-06-2026
NAV ₹27.77(R) +2.04% ₹31.55(D) +2.04%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -2.11% 13.24% 12.06% 10.64% 10.93%
Direct -1.18% 14.33% 13.16% 11.74% 12.11%
Nifty 500 TRI -1.03% 13.41% 11.87% 13.94% 14.02%
SIP (XIRR) Regular -4.49% 4.49% 9.94% 12.65% 11.14%
Direct -3.59% 5.52% 11.04% 13.8% 12.25%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.52 0.24 0.49 0.7% -0.45
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
14.49% -21.69% -17.68% 0.97 11.22%
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
UTI Retirement Fund 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 12-06-2026

Scheme Name NAV Rupee Change Percent Change
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option 18.63
0.3700
2.0400%
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option 21.85
0.4400
2.0400%
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option 27.77
0.5500
2.0400%
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan- Bonus Option 27.77
0.5500
2.0400%
Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option 31.55
0.6300
2.0400%
Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan-Growth Plan- Bonus Option 31.55
0.6300
2.0400%

Review Date: 12-06-2026

Beginning of Analysis

In the Retirement Fund category, Nippon India Retirement Fund - Wealth Creation Scheme is the 10th ranked fund. The category has total 26 funds. The 4 star rating shows a very good past performance of the Nippon India Retirement Fund - Wealth Creation Scheme in Retirement Fund. The fund has a Jensen Alpha of 0.7% which is higher than the category average of 0.12%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.52 which is higher than the category average of 0.38.
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 1.37%, 2.51 and -3.47 in last one, three and six months respectively. In the same period the category average return was 1.38%, 2.92% and -1.23% respectively.
  • Nippon India Retirement Fund - Wealth Creation Scheme has given a return of -1.18% in last one year. In the same period the Nifty 500 TRI return was -1.03%. The fund has given 0.15% less return than the benchmark return.
  • The fund has given a return of 14.33% in last three years and rank 6th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 13.41%. The fund has given 0.92% more return than the benchmark return.
  • Nippon India Retirement Fund - Wealth Creation Scheme has given a return of 13.16% in last five years and category average returns is 10.21% in same period. The fund ranked 4th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 11.87%. The fund has given 1.29% more return than the benchmark return.
  • The fund has given a return of 12.11% in last ten years and ranked 5th out of ten funds in the category. In the same period the Nifty 500 TRI return was 14.02%. The fund has given 1.91% less return than the benchmark return.
  • The fund has given a SIP return of -3.59% in last one year whereas category average SIP return is 0.75%. The fund one year return rank in the category is 24th in 28 funds
  • The fund has SIP return of 5.52% in last three years and ranks 12th in 25 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (15.22%) in the category in last three years.
  • The fund has SIP return of 11.04% in last five years whereas category average SIP return is 9.17%.

Nippon India Retirement Fund - Wealth Creation Scheme Risk Analysis

  • The fund has a standard deviation of 14.49 and semi deviation of 11.22. The category average standard deviation is 9.2 and semi deviation is 7.14.
  • The fund has a Value at Risk (VaR) of -21.69 and a maximum drawdown of -17.68. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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 % 1.29 1.51
    1.29
    		0.71 | 3.13 12 | 29 Good
    3M Return % 2.27 3.42
    2.63
    		-0.80 | 10.82 13 | 29 Good
    6M Return % -3.92 -4.42
    -1.78
    		-8.31 | 3.34 24 | 29 Average
    1Y Return % -2.11 -1.03
    0.38
    		-5.90 | 7.96 24 | 29 Average
    3Y Return % 13.24 13.41
    10.31
    		4.78 | 21.67 6 | 26 Very Good
    5Y Return % 12.06 11.87
    8.93
    		3.86 | 20.52 4 | 25 Very Good
    7Y Return % 10.64 13.94
    9.81
    		4.16 | 18.17 8 | 18 Good
    10Y Return % 10.93 14.02
    10.15
    		6.64 | 15.00 5 | 10 Good
    1Y SIP Return % -4.49
    -0.26
    		-9.67 | 10.90 25 | 29 Poor
    3Y SIP Return % 4.49
    4.95
    		1.57 | 13.63 11 | 26 Good
    5Y SIP Return % 9.94
    8.01
    		3.84 | 17.83 5 | 25 Very Good
    7Y SIP Return % 12.65
    9.90
    		3.90 | 20.35 5 | 18 Very Good
    10Y SIP Return % 11.14
    9.43
    		5.69 | 14.38 3 | 10 Very Good
    Standard Deviation 14.49
    9.20
    		1.27 | 15.52 24 | 26 Poor
    Semi Deviation 11.22
    7.14
    		0.97 | 11.69 24 | 26 Poor
    Max Drawdown % -17.68
    -10.32
    		-19.00 | -0.76 24 | 26 Poor
    VaR 1 Y % -21.69
    -12.90
    		-25.74 | -0.37 24 | 26 Poor
    Average Drawdown % -10.29
    -5.22
    		-11.62 | -0.38 25 | 26 Poor
    Sharpe Ratio 0.52
    0.38
    		-0.70 | 1.01 6 | 26 Very Good
    Sterling Ratio 0.49
    0.51
    		0.32 | 0.84 12 | 26 Good
    Sortino Ratio 0.24
    0.17
    		-0.23 | 0.48 6 | 26 Very Good
    Jensen Alpha % 0.70
    0.12
    		-3.84 | 8.83 6 | 26 Very Good
    Treynor Ratio -0.45
    -1.55
    		-9.84 | -0.38 2 | 26 Very Good
    Modigliani Square Measure % 13.76
    11.87
    		-3.41 | 21.72 6 | 26 Very Good
    Alpha % 0.63
    -1.85
    		-5.47 | 8.91 4 | 26 Very Good
    Return data last Updated On : June 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.37 1.51 1.38 0.78 | 3.25 12 | 29 Good
    3M Return % 2.51 3.42 2.92 -0.58 | 11.21 13 | 29 Good
    6M Return % -3.47 -4.42 -1.23 -7.86 | 4.06 24 | 29 Average
    1Y Return % -1.18 -1.03 1.52 -4.93 | 9.40 24 | 29 Average
    3Y Return % 14.33 13.41 11.56 5.96 | 23.35 6 | 26 Very Good
    5Y Return % 13.16 11.87 10.21 5.10 | 22.17 4 | 25 Very Good
    7Y Return % 11.74 13.94 11.18 5.47 | 19.93 8 | 18 Good
    10Y Return % 12.11 14.02 11.45 7.92 | 16.50 5 | 10 Good
    1Y SIP Return % -3.59 0.75 -8.75 | 12.39 24 | 28 Poor
    3Y SIP Return % 5.52 6.06 2.71 | 15.22 12 | 25 Good
    5Y SIP Return % 11.04 9.17 5.04 | 19.48 5 | 24 Very Good
    7Y SIP Return % 13.80 11.14 5.14 | 22.08 5 | 17 Very Good
    10Y SIP Return % 12.25 10.46 6.91 | 15.78 4 | 9 Good
    Standard Deviation 14.49 9.20 1.27 | 15.52 24 | 26 Poor
    Semi Deviation 11.22 7.14 0.97 | 11.69 24 | 26 Poor
    Max Drawdown % -17.68 -10.32 -19.00 | -0.76 24 | 26 Poor
    VaR 1 Y % -21.69 -12.90 -25.74 | -0.37 24 | 26 Poor
    Average Drawdown % -10.29 -5.22 -11.62 | -0.38 25 | 26 Poor
    Sharpe Ratio 0.52 0.38 -0.70 | 1.01 6 | 26 Very Good
    Sterling Ratio 0.49 0.51 0.32 | 0.84 12 | 26 Good
    Sortino Ratio 0.24 0.17 -0.23 | 0.48 6 | 26 Very Good
    Jensen Alpha % 0.70 0.12 -3.84 | 8.83 6 | 26 Very Good
    Treynor Ratio -0.45 -1.55 -9.84 | -0.38 2 | 26 Very Good
    Modigliani Square Measure % 13.76 11.87 -3.41 | 21.72 6 | 26 Very Good
    Alpha % 0.63 -1.85 -5.47 | 8.91 4 | 26 Very Good
    Return data last Updated On : June 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 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
    12-06-2026 27.7653 31.5452
    11-06-2026 27.2106 30.9142
    10-06-2026 27.3739 31.0989
    09-06-2026 27.4914 31.2317
    08-06-2026 27.2716 30.9813
    05-06-2026 27.6002 31.3522
    04-06-2026 27.6138 31.3669
    03-06-2026 27.564 31.3095
    02-06-2026 27.6824 31.4432
    01-06-2026 27.6071 31.3569
    29-05-2026 27.9084 31.6968
    27-05-2026 28.3066 32.1474
    26-05-2026 28.1859 32.0095
    25-05-2026 28.2223 32.0501
    22-05-2026 27.9079 31.6908
    21-05-2026 27.7594 31.5213
    20-05-2026 27.7367 31.4947
    19-05-2026 27.7089 31.4624
    18-05-2026 27.5845 31.3204
    15-05-2026 27.6405 31.3816
    14-05-2026 27.732 31.4847
    13-05-2026 27.496 31.216
    12-05-2026 27.4111 31.1189

    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.