Nippon India Retirement Fund - Wealth Creation Scheme Datagrid
Category Retirement Fund
BMSMONEY Rank 12
Rating
Growth Option 27-07-2026
NAV ₹28.54(R) +1.03% ₹32.46(D) +1.04%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 0.21% 11.62% 12.07% 12.11% 10.48%
Direct 1.15% 12.69% 13.16% 13.23% 11.65%
Nifty 500 TRI 2.3% 12.11% 12.34% 15.43% 13.47%
SIP (XIRR) Regular 1.2% 5.06% 10.6% 12.74% 11.28%
Direct 2.14% 6.08% 11.71% 13.88% 12.37%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.45 0.22 0.47 0.5% 0.08
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
15.07% -21.69% -17.68% 0.96 11.18%
Fund AUM As on: 30/12/2025 3226 Cr
Top Retirement Fund
Fund Name Rank Rating
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan 1
ICICI Prudential Retirement Fund - Pure Equity Plan 2
Aditya Birla Sun Life Retirement Fund - The 30s Plan 3
ICICI Prudential Retirement Fund - Hybrid Conservative Plan 4
Union Retirement Fund 5
UTI Retirement Fund 6

NAV Date: 27-07-2026

Scheme Name NAV Rupee Change Percent Change
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option 19.15
0.1900
1.0300%
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option 22.48
0.2300
1.0400%
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option 28.54
0.2900
1.0300%
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan- Bonus Option 28.54
0.2900
1.0300%
Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option 32.46
0.3300
1.0400%
Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan-Growth Plan- Bonus Option 32.46
0.3300
1.0400%

Review Date: 27-07-2026

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 Nippon India Retirement Fund - Wealth Creation Scheme has shown a very good past performence in Retirement Fund. The fund has a Jensen Alpha of 0.5% which is higher than the category average of 0.09%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.45 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 0.62%, 0.82 and 2.68 in last one, three and six months respectively. In the same period the category average return was 0.79%, 2.73% and 3.8% respectively.
  • Nippon India Retirement Fund - Wealth Creation Scheme has given a return of 1.15% in last one year. In the same period the Nifty 500 TRI return was 2.3%. The fund has given 1.15% less return than the benchmark return.
  • The fund has given a return of 12.69% in last three years and rank 8th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 12.11%. The fund has given 0.58% 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 10.4% 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 12.34%. The fund has given 0.82% more return than the benchmark return.
  • The fund has given a return of 11.65% in last ten years and ranked 5th out of ten funds in the category. In the same period the Nifty 500 TRI return was 13.47%. The fund has given 1.82% less return than the benchmark return.
  • The fund has given a SIP return of 2.14% in last one year whereas category average SIP return is 5.82%. The fund one year return rank in the category is 26th in 29 funds
  • The fund has SIP return of 6.08% in last three years and ranks 16th in 26 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (15.48%) in the category in last three years.
  • The fund has SIP return of 11.71% in last five years whereas category average SIP return is 10.11%.

Nippon India Retirement Fund - Wealth Creation Scheme Risk Analysis

  • The fund has a standard deviation of 15.07 and semi deviation of 11.18. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • 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 % 0.55 0.82
    0.70
    		-0.07 | 2.09 16 | 29 Good
    3M Return % 0.60 1.92
    2.44
    		0.53 | 7.61 27 | 29 Poor
    6M Return % 2.20 2.06
    3.22
    		-2.52 | 13.08 19 | 29 Average
    1Y Return % 0.21 2.30
    2.93
    		-2.99 | 13.74 24 | 29 Average
    3Y Return % 11.62 12.11
    9.72
    		4.94 | 19.87 7 | 26 Very Good
    5Y Return % 12.07 12.34
    9.13
    		4.06 | 19.96 4 | 25 Very Good
    7Y Return % 12.11 15.43
    10.54
    		4.12 | 19.27 8 | 18 Good
    10Y Return % 10.48 13.47
    9.79
    		6.41 | 14.37 5 | 10 Good
    1Y SIP Return % 1.20
    4.64
    		-3.56 | 20.03 25 | 29 Poor
    3Y SIP Return % 5.06
    6.37
    		2.53 | 13.99 16 | 26 Average
    5Y SIP Return % 10.60
    8.86
    		4.58 | 18.24 6 | 25 Very Good
    7Y SIP Return % 12.74
    9.94
    		3.90 | 20.28 5 | 18 Very Good
    10Y SIP Return % 11.28
    9.60
    		6.15 | 14.35 4 | 10 Good
    Standard Deviation 15.07
    9.65
    		1.31 | 16.38 23 | 26 Poor
    Semi Deviation 11.18
    7.17
    		0.96 | 11.68 23 | 26 Poor
    Max Drawdown % -17.68
    -10.32
    		-19.00 | -0.74 24 | 26 Poor
    VaR 1 Y % -21.69
    -12.90
    		-25.74 | -0.37 24 | 26 Poor
    Average Drawdown % 10.29
    5.15
    		0.38 | 11.62 2 | 26 Very Good
    Sharpe Ratio 0.45
    0.38
    		-0.55 | 0.91 9 | 26 Good
    Sterling Ratio 0.47
    0.51
    		0.33 | 0.81 16 | 26 Average
    Sortino Ratio 0.22
    0.18
    		-0.19 | 0.46 9 | 26 Good
    Jensen Alpha % 0.50
    0.09
    		-3.62 | 6.21 7 | 26 Very Good
    Treynor Ratio 0.08
    0.07
    		-0.19 | 0.19 11 | 26 Good
    Modigliani Square Measure % 6.93
    5.75
    		-8.49 | 14.04 9 | 26 Good
    Alpha % 0.09
    -3.60
    		-9.58 | 8.09 6 | 26 Very Good
    Return data last Updated On : July 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 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 % 0.62 0.82 0.79 -0.04 | 2.17 16 | 29 Good
    3M Return % 0.82 1.92 2.73 0.77 | 7.95 28 | 29 Poor
    6M Return % 2.68 2.06 3.80 -2.05 | 13.83 17 | 29 Average
    1Y Return % 1.15 2.30 4.10 -2.01 | 15.25 24 | 29 Average
    3Y Return % 12.69 12.11 10.95 6.11 | 21.52 8 | 26 Good
    5Y Return % 13.16 12.34 10.40 5.29 | 21.62 5 | 25 Very Good
    7Y Return % 13.23 15.43 11.92 5.42 | 21.04 8 | 18 Good
    10Y Return % 11.65 13.47 11.07 7.69 | 15.84 5 | 10 Good
    1Y SIP Return % 2.14 5.82 -2.61 | 21.61 26 | 29 Poor
    3Y SIP Return % 6.08 7.57 3.71 | 15.48 16 | 26 Average
    5Y SIP Return % 11.71 10.11 5.77 | 19.89 6 | 25 Very Good
    7Y SIP Return % 13.88 11.26 5.11 | 21.98 6 | 18 Good
    10Y SIP Return % 12.37 10.85 7.36 | 15.73 4 | 10 Good
    Standard Deviation 15.07 9.65 1.31 | 16.38 23 | 26 Poor
    Semi Deviation 11.18 7.17 0.96 | 11.68 23 | 26 Poor
    Max Drawdown % -17.68 -10.32 -19.00 | -0.74 24 | 26 Poor
    VaR 1 Y % -21.69 -12.90 -25.74 | -0.37 24 | 26 Poor
    Average Drawdown % 10.29 5.15 0.38 | 11.62 2 | 26 Very Good
    Sharpe Ratio 0.45 0.38 -0.55 | 0.91 9 | 26 Good
    Sterling Ratio 0.47 0.51 0.33 | 0.81 16 | 26 Average
    Sortino Ratio 0.22 0.18 -0.19 | 0.46 9 | 26 Good
    Jensen Alpha % 0.50 0.09 -3.62 | 6.21 7 | 26 Very Good
    Treynor Ratio 0.08 0.07 -0.19 | 0.19 11 | 26 Good
    Modigliani Square Measure % 6.93 5.75 -8.49 | 14.04 9 | 26 Good
    Alpha % 0.09 -3.60 -9.58 | 8.09 6 | 26 Very Good
    Return data last Updated On : July 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 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
    27-07-2026 28.5383 32.4602
    24-07-2026 28.2479 32.1273
    23-07-2026 28.3299 32.2197
    22-07-2026 28.5072 32.4205
    21-07-2026 28.8246 32.7806
    20-07-2026 28.8579 32.8176
    17-07-2026 28.9437 32.9126
    16-07-2026 28.7963 32.7442
    15-07-2026 28.809 32.7577
    14-07-2026 28.7348 32.6726
    13-07-2026 28.9598 32.9276
    10-07-2026 28.9186 32.8783
    09-07-2026 28.5499 32.4582
    08-07-2026 28.3531 32.2338
    07-07-2026 28.9112 32.8674
    06-07-2026 28.8798 32.8309
    03-07-2026 28.6884 32.6109
    02-07-2026 28.6791 32.5995
    01-07-2026 28.4894 32.3831
    30-06-2026 28.4089 32.2908
    29-06-2026 28.383 32.2605

    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.