Nippon India Retirement Fund - Wealth Creation Scheme Datagrid
Category Retirement Fund
BMSMONEY Rank 14
Rating
Growth Option 23-01-2026
NAV ₹27.81(R) -1.18% ₹31.48(D) -1.18%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 2.85% 15.77% 15.15% 12.03% 11.48%
Direct 3.83% 16.89% 16.29% 13.15% 12.71%
Nifty 500 TRI 6.47% 14.9% 15.27% 15.22% 15.07%
SIP (XIRR) Regular -2.29% 9.05% 11.6% 13.66% 11.93%
Direct -1.34% 10.15% 12.72% 14.81% 13.05%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.81 0.39 0.6 0.41% 0.11
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.94% -20.07% -17.68% 0.97 9.52%
Fund AUM As on: 30/06/2025 3137 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Union Retirement Fund 4
Icici Prudential Retirement Fund - Hybrid Conservative Plan 5
UTI Retirement Fund 6

NAV Date: 23-01-2026

Scheme Name NAV Rupee Change Percent Change
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option 20.13
-0.2400
-1.1800%
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option 23.27
-0.2800
-1.1800%
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option 27.81
-0.3300
-1.1800%
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan- Bonus Option 27.81
-0.3300
-1.1800%
Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth Option 31.48
-0.3800
-1.1800%
Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan-Growth Plan- Bonus Option 31.48
-0.3800
-1.1800%

Review Date: 23-01-2026

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 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 0.41% which is lower than the category average of 2.92%, showing poor performance. The fund has a Sharpe Ratio of 0.81 which is higher than the category average of 0.78.
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 -4.09%, -5.2 and -4.02 in last one, three and six months respectively. In the same period the category average return was -2.85%, -2.59% and -1.45% respectively.
  • Nippon India Retirement Fund - Wealth Creation Scheme has given a return of 3.83% in last one year. In the same period the Nifty 500 TRI return was 6.47%. The fund has given 2.64% less return than the benchmark return.
  • The fund has given a return of 16.89% in last three years and rank 5th out of 26 funds in the category. In the same period the Nifty 500 TRI return was 14.9%. The fund has given 1.99% more return than the benchmark return.
  • Nippon India Retirement Fund - Wealth Creation Scheme has given a return of 16.29% in last five years and category average returns is 11.67% in same period. The fund ranked 4th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 15.27%. The fund has given 1.02% more return than the benchmark return.
  • The fund has given a return of 12.71% in last ten years and ranked 3rd out of seven funds in the category. In the same period the Nifty 500 TRI return was 15.07%. The fund has given 2.36% less return than the benchmark return.
  • The fund has given a SIP return of -1.34% in last one year whereas category average SIP return is 2.27%. The fund one year return rank in the category is 24th in 29 funds
  • The fund has SIP return of 10.15% in last three years and ranks 7th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (19.02%) in the category in last three years.
  • The fund has SIP return of 12.72% in last five years whereas category average SIP return is 10.03%.

Nippon India Retirement Fund - Wealth Creation Scheme Risk Analysis

  • The fund has a standard deviation of 12.94 and semi deviation of 9.52. The category average standard deviation is 8.01 and semi deviation is 5.9.
  • The fund has a Value at Risk (VaR) of -20.07 and a maximum drawdown of -17.68. The category average VaR is -9.65 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 % -4.17 -4.94
    -2.95
    		-6.36 | 0.31 21 | 29 Average
    3M Return % -5.43 -4.28
    -2.86
    		-8.65 | 1.31 26 | 29 Poor
    6M Return % -4.48 -2.68
    -2.01
    		-9.25 | 2.70 24 | 29 Average
    1Y Return % 2.85 6.47
    4.84
    		-0.68 | 12.25 23 | 29 Average
    3Y Return % 15.77 14.90
    11.98
    		5.18 | 23.11 5 | 26 Very Good
    5Y Return % 15.15 15.27
    10.29
    		3.85 | 21.62 4 | 21 Very Good
    7Y Return % 12.03 15.22
    10.75
    		7.03 | 17.40 4 | 10 Good
    10Y Return % 11.48 15.07
    10.04
    		7.04 | 13.31 3 | 7 Good
    1Y SIP Return % -2.29
    1.09
    		-7.97 | 8.41 24 | 29 Average
    3Y SIP Return % 9.05
    7.54
    		3.03 | 17.32 7 | 26 Very Good
    5Y SIP Return % 11.60
    8.69
    		3.23 | 18.70 4 | 21 Very Good
    7Y SIP Return % 13.66
    10.48
    		5.80 | 17.65 2 | 10 Very Good
    10Y SIP Return % 11.93
    9.36
    		6.28 | 11.93 1 | 7 Very Good
    Standard Deviation 12.94
    8.01
    		1.11 | 14.52 23 | 26 Poor
    Semi Deviation 9.52
    5.90
    		0.79 | 10.62 24 | 26 Poor
    Max Drawdown % -17.68
    -9.97
    		-19.00 | -0.42 24 | 26 Poor
    VaR 1 Y % -20.07
    -9.66
    		-20.07 | 0.00 26 | 26 Poor
    Average Drawdown % -8.67
    -3.82
    		-9.60 | -0.15 25 | 26 Poor
    Sharpe Ratio 0.81
    0.78
    		-0.30 | 1.25 10 | 26 Good
    Sterling Ratio 0.60
    0.64
    		0.50 | 0.92 16 | 26 Average
    Sortino Ratio 0.39
    0.38
    		-0.11 | 0.63 10 | 26 Good
    Jensen Alpha % 0.41
    2.92
    		-0.68 | 6.31 23 | 26 Poor
    Treynor Ratio 0.11
    0.11
    		-0.09 | 0.27 12 | 26 Good
    Modigliani Square Measure % 16.65
    24.99
    		14.96 | 69.23 23 | 26 Poor
    Alpha % 0.18
    -2.86
    		-8.48 | 7.63 5 | 26 Very Good
    Return data last Updated On : Jan. 23, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -4.09 -4.94 -2.85 -6.19 | 0.41 21 | 29 Average
    3M Return % -5.20 -4.28 -2.59 -8.28 | 1.61 26 | 29 Poor
    6M Return % -4.02 -2.68 -1.45 -8.50 | 3.31 25 | 29 Poor
    1Y Return % 3.83 6.47 6.05 0.79 | 13.76 23 | 29 Average
    3Y Return % 16.89 14.90 13.27 6.39 | 24.81 5 | 26 Very Good
    5Y Return % 16.29 15.27 11.67 5.12 | 23.29 4 | 21 Very Good
    7Y Return % 13.15 15.22 12.01 8.23 | 18.80 5 | 10 Good
    10Y Return % 12.71 15.07 11.28 8.34 | 15.01 3 | 7 Good
    1Y SIP Return % -1.34 2.27 -6.43 | 9.92 24 | 29 Average
    3Y SIP Return % 10.15 8.79 4.19 | 19.02 7 | 26 Very Good
    5Y SIP Return % 12.72 10.03 4.44 | 20.38 4 | 21 Very Good
    7Y SIP Return % 14.81 11.75 7.01 | 19.06 2 | 10 Very Good
    10Y SIP Return % 13.05 10.59 7.53 | 13.50 2 | 7 Very Good
    Standard Deviation 12.94 8.01 1.11 | 14.52 23 | 26 Poor
    Semi Deviation 9.52 5.90 0.79 | 10.62 24 | 26 Poor
    Max Drawdown % -17.68 -9.97 -19.00 | -0.42 24 | 26 Poor
    VaR 1 Y % -20.07 -9.66 -20.07 | 0.00 26 | 26 Poor
    Average Drawdown % -8.67 -3.82 -9.60 | -0.15 25 | 26 Poor
    Sharpe Ratio 0.81 0.78 -0.30 | 1.25 10 | 26 Good
    Sterling Ratio 0.60 0.64 0.50 | 0.92 16 | 26 Average
    Sortino Ratio 0.39 0.38 -0.11 | 0.63 10 | 26 Good
    Jensen Alpha % 0.41 2.92 -0.68 | 6.31 23 | 26 Poor
    Treynor Ratio 0.11 0.11 -0.09 | 0.27 12 | 26 Good
    Modigliani Square Measure % 16.65 24.99 14.96 | 69.23 23 | 26 Poor
    Alpha % 0.18 -2.86 -8.48 | 7.63 5 | 26 Very Good
    Return data last Updated On : Jan. 23, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    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
    23-01-2026 27.8078 31.4807
    22-01-2026 28.1397 31.8557
    21-01-2026 27.9894 31.6847
    20-01-2026 28.1124 31.8231
    19-01-2026 28.5712 32.3416
    16-01-2026 28.7192 32.5065
    14-01-2026 28.6386 32.4136
    13-01-2026 28.591 32.3589
    12-01-2026 28.6401 32.4136
    09-01-2026 28.5808 32.344
    08-01-2026 28.8627 32.6621
    07-01-2026 29.2169 33.0621
    06-01-2026 29.1958 33.0374
    05-01-2026 29.2459 33.0933
    02-01-2026 29.3045 33.1569
    01-01-2026 29.0277 32.8429
    31-12-2025 28.9433 32.7466
    30-12-2025 28.7046 32.4756
    29-12-2025 28.7822 32.5626
    26-12-2025 28.875 32.6651
    24-12-2025 28.9372 32.7337
    23-12-2025 29.0178 32.8241

    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.