Nippon India Retirement Fund - Wealth Creation Scheme
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹27.94+0.31%1 day
- Return since launch
- 9.3%
- 52-week range
- ₹25.44 — ₹29.62
- AUM
- ₹3,127 Cr
Nippon India Retirement Fund - Wealth Creation Scheme is a Retirement Solutions equity fund from Nippon India Mutual Fund with ₹3,127 Cr under management, launched in 2015. Over three years it has returned 2.4% a year, against 11.6% for its category. The expense ratio is 2.25% and the SEBI riskometer reading is Very High.
Performance
Nippon India Retirement Fund - Wealth Creation Scheme NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned -2.0% against +3.2% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | -3.4% | −7.0 pts | 3.6% | 2.3% |
| 2Y | -1.0% | −3.4 pts | 2.5% | 3.1% |
| 3Y | 2.4% | −9.2 pts | 11.6% | 5.0% |
| 5Y | 9.0% | −1.8 pts | 10.8% | 9.8% |
| 7Y | 12.1% | +2.5 pts | 9.6% | 12.4% |
| 10Y | 10.8% | −1.0 pts | 11.8% | 11.8% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -4.3% | −0.5 pts | -3.8% | -3.4% |
| 3M | -1.6% | −1.2 pts | -0.3% | -0.1% |
| 6M | 7.0% | −4.3 pts | 11.3% | 11.0% |
| 1Y | -2.0% | −5.7 pts | 3.6% | 3.2% |
| 2Y | -4.5% | −4.8 pts | 0.3% | -1.9% |
| 3Y | 9.6% | −2.0 pts | 11.6% | 10.2% |
| 5Y | 9.3% | −1.6 pts | 10.8% | 9.4% |
| 7Y | 11.6% | +1.5 pts | 10.1% | 13.1% |
| 10Y | 10.0% | −1.8 pts | 11.8% | 11.3% |
Since launch (22 Jan 2015): 9.3%
Calendar-year returns
Category average0.6%
32.1%
1.6%
31.1%
20.3%
1.0%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 1.0% | −5.7 pts | 6.8% |
| 2024 | 20.3% | +0.5 pts | 19.8% |
| 2023 | 31.1% | −0.5 pts | 31.5% |
| 2022 | 1.6% | −2.5 pts | 4.1% |
| 2021 | 32.1% | −1.2 pts | 33.3% |
| 2020 | 0.6% | −12.9 pts | 13.5% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.22%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.67%
- Brokerage
- 0.08%
- Transaction charges
- 0.00%
- Statutory levies
- 0.47%
- Exit load
- Exit load of 1% if redeemed before the age of 60 yrs.
- Lock-in
- 5 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- BSE 500 TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | -0.30 | 3.26 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.96 | 0.97 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.43 | 0.65 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.53 | 0.87 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 14.90 | 15.46 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
Nippon India Retirement Fund - Wealth Creation Scheme portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity99.5%
- Debt0.0%
- Other0.5%
Market cap split
- Large64.5%
- Mid23.4%
- Small12.2%
- P/E
- 23.99
- P/B
- 3.34
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 7.53% | ₹236 Cr | +7.33% | +7.59% | +7.11% |
| HDFC Bank Ltd. | Financial | 7.26% | ₹227 Cr | +7.85% | +7.08% | +7.05% |
| Reliance Industries Ltd. | Energy | 4.19% | ₹131 Cr | +4.46% | +4.56% | +4.42% |
| Axis Bank Ltd. | Financial | 4.16% | ₹130 Cr | +4.24% | +3.20% | +1.83% |
| Infosys Ltd. | Technology | 3.99% | ₹125 Cr | +4.20% | +2.86% | +3.51% |
| Mahindra & Mahindra Ltd. | Automobile | 3.42% | ₹107 Cr | +2.35% | +2.54% | +2.38% |
| State Bank of India | Financial | 3.05% | ₹95.40 Cr | +3.30% | +3.99% | +3.45% |
| JSW Energy Ltd. | Capital Goods | 2.99% | ₹93.58 Cr | +3.53% | +1.40% | +1.24% |
| Alkem Laboratories Ltd. | Healthcare | 2.19% | ₹68.48 Cr | +1.18% | +0.90% | +0.51% |
| Hindustan Aeronautics Ltd. | Capital Goods | 2.07% | ₹64.82 Cr | +1.91% | +1.69% | +1.86% |
| HDFC Asset Management Company Ltd. | Financial | 2.06% | ₹64.50 Cr | +1.59% | +1.55% | +1.74% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 1.99% | ₹62.23 Cr | +0.54% | — | — |
| Larsen & Toubro Ltd. | Construction | 1.94% | ₹60.67 Cr | +3.56% | +3.62% | +3.44% |
| Eternal Ltd. | Services | 1.78% | ₹55.78 Cr | +1.40% | +1.34% | +1.70% |
| JSW Infrastructure Ltd. | Services | 1.77% | ₹55.35 Cr | — | — | — |
| Info Edge (India) Ltd. | Services | 1.70% | ₹53.14 Cr | +0.88% | +0.52% | — |
| Interglobe Aviation Ltd. | Services | 1.67% | ₹52.34 Cr | +1.45% | +1.54% | +1.80% |
| Varun Beverages Ltd. | Consumer Staples | 1.66% | ₹52.06 Cr | +1.91% | +1.15% | — |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 1.63% | ₹51.05 Cr | +1.39% | +0.96% | — |
| Indus Towers Ltd. | Communication | 1.62% | ₹50.74 Cr | +1.61% | — | — |
| Swiggy Ltd. | Services | 1.53% | ₹47.92 Cr | +0.93% | +0.50% | — |
| company:5932 | Consumer Staples | 1.47% | ₹46.00 Cr | — | — | — |
| Tech Mahindra Ltd. | Technology | 1.46% | ₹45.58 Cr | +2.08% | +1.84% | +2.00% |
| Max Financial Services Ltd. | Financial | 1.39% | ₹43.32 Cr | +0.43% | +0.20% | +0.51% |
| Gland Pharma Ltd. | Healthcare | 1.38% | ₹43.29 Cr | +0.67% | +0.64% | +0.65% |
| Bajaj Finance Ltd. | Financial | 1.35% | ₹42.28 Cr | +1.20% | +2.86% | +2.93% |
| Ambuja Cements Ltd. | Materials | 1.33% | ₹41.64 Cr | +0.54% | — | — |
| United Spirits Ltd. | Consumer Staples | 1.31% | ₹40.98 Cr | +1.15% | +1.21% | +0.92% |
| NTPC Green Energy Ltd. | Energy | 1.28% | ₹40.11 Cr | +1.53% | +0.68% | — |
| Nestle India Ltd. | Consumer Staples | 1.28% | ₹39.96 Cr | +1.26% | +1.11% | — |
| The Indian Hotels Company Ltd. | Services | 1.18% | ₹36.90 Cr | +1.08% | +0.57% | +0.40% |
| Blue Star Ltd. | Consumer Discretionary | 1.17% | ₹36.60 Cr | +1.31% | +1.24% | +0.72% |
| Endurance Technologies Ltd. | Automobile | 1.11% | ₹34.58 Cr | +0.10% | — | — |
| Titan Company Ltd. | Consumer Discretionary | 1.08% | ₹33.68 Cr | +1.41% | +1.38% | +1.10% |
| TD Power Systems Ltd. | Capital Goods | 1.02% | ₹31.97 Cr | — | — | — |
| LIC Housing Finance Ltd. | Financial | 1.00% | ₹31.37 Cr | +0.88% | — | — |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | 0.98% | ₹30.67 Cr | +1.20% | +1.15% | +1.47% |
| Cummins India Ltd. | Capital Goods | 0.98% | ₹30.63 Cr | +1.45% | +1.56% | +1.28% |
| Healthcare Global Enterprises Ltd. | Healthcare | 0.97% | ₹30.46 Cr | +0.56% | — | — |
| TVS Motor Company Ltd. | Automobile | 0.97% | ₹30.39 Cr | +0.77% | +0.86% | +0.73% |
| PB Fintech Ltd. | Services | 0.96% | ₹30.00 Cr | +0.90% | +0.76% | — |
| Bharti Hexacom Ltd. | Communication | 0.95% | ₹29.59 Cr | +0.84% | — | — |
| Mishra Dhatu Nigam Ltd. | Metals & Mining | 0.85% | ₹26.60 Cr | +0.89% | +0.71% | +0.74% |
| Abbott India Ltd. | Healthcare | 0.80% | ₹24.99 Cr | +0.86% | +0.68% | +0.80% |
| Shriram Finance Ltd | Financial | 0.80% | ₹25.11 Cr | +0.71% | +0.78% | — |
| Tata Power Company Ltd. | Energy | 0.80% | ₹25.16 Cr | +1.00% | +0.72% | — |
| Power Finance Corporation Ltd. | Financial | 0.78% | ₹24.45 Cr | +0.99% | +1.32% | +2.17% |
| company:20302 | Automobile | 0.75% | ₹23.56 Cr | — | — | — |
| Piramal Pharma Ltd. | Healthcare | 0.68% | ₹21.17 Cr | — | — | — |
| TBO Tek Ltd. | Services | 0.67% | ₹20.94 Cr | — | — | — |
| ISGEC Heavy Engineering Ltd. | Capital Goods | 0.66% | ₹20.56 Cr | +0.58% | +0.53% | +0.62% |
| Kaynes Technology India Ltd. | Capital Goods | 0.62% | ₹19.51 Cr | +0.55% | +0.65% | +1.03% |
| Mankind Pharma Ltd. | Healthcare | 0.59% | ₹18.51 Cr | +0.68% | +0.53% | — |
| Escorts Kubota Ltd. | Automobile | 0.58% | ₹18.13 Cr | +0.42% | +0.50% | — |
| Samvardhana Motherson International Ltd. | Automobile | 0.55% | ₹17.07 Cr | +2.13% | +1.89% | +1.24% |
| Bharat Heavy Electricals Ltd. | Capital Goods | 0.53% | ₹16.55 Cr | +0.51% | — | — |
| Others | Others | 0.52% | ₹15.23 Cr | +5.19% | +0.01% | 0.00% |
| Indegene Ltd. | Healthcare | 0.49% | ₹15.39 Cr | — | — | — |
| Syngene International Ltd. | Healthcare | 0.47% | ₹14.75 Cr | +0.54% | +0.47% | — |
| Gillette India Ltd. | Consumer Staples | 0.46% | ₹14.42 Cr | +0.52% | +0.52% | +0.47% |
| Bajel Projects Ltd. | Capital Goods | 0.44% | ₹13.84 Cr | +0.46% | +0.37% | +0.46% |
| Sharda Motor Industries Ltd. | Automobile | 0.43% | ₹13.44 Cr | +0.42% | +0.45% | +0.49% |
| Ellenbarrie Industrial Gases Ltd. | Chemicals | 0.40% | ₹12.60 Cr | +0.36% | +0.31% | +0.49% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | 0.37% | ₹11.58 Cr | — | — | — |
| KPIT Technologies Ltd. | Technology | 0.37% | ₹11.72 Cr | — | — | — |
| United Breweries Ltd. | Consumer Staples | 0.35% | ₹10.79 Cr | +0.55% | +0.65% | +0.74% |
| NLC India Ltd. | Energy | 0.34% | ₹10.70 Cr | +0.76% | +1.41% | +1.22% |
| company:12727 | Financial | 0.26% | ₹8.00 Cr | — | — | — |
| Afcons Infrastructure Ltd. | Construction | 0.21% | ₹6.42 Cr | +0.25% | +0.21% | +0.43% |
| company:8283 | Textiles | 0.21% | ₹6.70 Cr | — | +0.82% | +1.06% |
| company:14749 | Automobile | 0.20% | ₹6.22 Cr | — | — | — |
| Yes Bank Ltd. | Financial | 0.00% | ₹0.00 Cr | 0.00% | 0.00% | 0.00% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:5932 | 0.00% | 1.47% | +1.47% |
| Tech Mahindra Ltd. | 2.24% | 1.46% | -0.78% |
| company:20302 | 0.00% | 0.75% | +0.75% |
| Britannia Industries Ltd. | 0.69% | 0.00% | -0.69% |
| Larsen & Toubro Ltd. | 2.51% | 1.94% | -0.57% |
| L&T Finance Ltd. | 0.50% | 0.00% | -0.50% |
| Max Financial Services Ltd. | 0.95% | 1.39% | +0.44% |
| Samvardhana Motherson International Ltd. | 0.96% | 0.55% | -0.41% |
| Dixon Technologies (India) Ltd. | 0.39% | 0.00% | -0.39% |
| HDFC Bank Ltd. | 7.64% | 7.26% | -0.38% |
| State Bank of India | 3.41% | 3.05% | -0.36% |
| HDFC Asset Management Company Ltd. | 1.75% | 2.06% | +0.31% |
| TD Power Systems Ltd. | 0.74% | 1.02% | +0.28% |
| company:12727 | 0.00% | 0.26% | +0.26% |
| Axis Bank Ltd. | 3.92% | 4.16% | +0.24% |
| United Breweries Ltd. | 0.57% | 0.35% | -0.22% |
| company:8283 | 0.00% | 0.21% | +0.21% |
| company:14749 | 0.00% | 0.20% | +0.20% |
| Power Finance Corporation Ltd. | 0.98% | 0.78% | -0.20% |
| JSW Energy Ltd. | 3.18% | 2.99% | -0.19% |
| Gland Pharma Ltd. | 1.20% | 1.38% | +0.18% |
| Blue Star Ltd. | 1.34% | 1.17% | -0.17% |
| JSW Infrastructure Ltd. | 1.62% | 1.77% | +0.15% |
| Eternal Ltd. | 1.64% | 1.78% | +0.14% |
| PB Fintech Ltd. | 0.82% | 0.96% | +0.14% |
| Ion Exchange (India) Ltd. | 0.12% | 0.00% | -0.12% |
| Info Edge (India) Ltd. | 1.58% | 1.70% | +0.12% |
| ICICI Bank Ltd. | 7.42% | 7.53% | +0.11% |
| Alkem Laboratories Ltd. | 2.08% | 2.19% | +0.11% |
| Bajaj Finance Ltd. | 1.46% | 1.35% | -0.11% |
| Mahindra & Mahindra Ltd. | 3.53% | 3.42% | -0.11% |
| Varun Beverages Ltd. | 1.55% | 1.66% | +0.11% |
| Crompton Greaves Consumer Electricals Ltd. | 1.08% | 0.98% | -0.10% |
| Ambuja Cements Ltd. | 1.43% | 1.33% | -0.10% |
| Reliance Industries Ltd. | 4.28% | 4.19% | -0.09% |
| Cummins India Ltd. | 1.06% | 0.98% | -0.08% |
| TBO Tek Ltd. | 0.59% | 0.67% | +0.08% |
| Indegene Ltd. | 0.41% | 0.49% | +0.08% |
| Healthcare Global Enterprises Ltd. | 0.89% | 0.97% | +0.08% |
| Tata Power Company Ltd. | 0.88% | 0.80% | -0.08% |
| Vedanta Aluminium Metal Ltd. | 2.07% | 1.99% | -0.08% |
| Hindustan Aeronautics Ltd. | 2.00% | 2.07% | +0.07% |
| Piramal Pharma Ltd. | 0.62% | 0.68% | +0.06% |
| Abbott India Ltd. | 0.86% | 0.80% | -0.06% |
| Ellenbarrie Industrial Gases Ltd. | 0.35% | 0.40% | +0.05% |
| Endurance Technologies Ltd. | 1.06% | 1.11% | +0.05% |
| Titan Company Ltd. | 1.03% | 1.08% | +0.05% |
| Bharat Heavy Electricals Ltd. | 0.49% | 0.53% | +0.04% |
| Shriram Finance Ltd | 0.76% | 0.80% | +0.04% |
| Bajel Projects Ltd. | 0.40% | 0.44% | +0.04% |
| NLC India Ltd. | 0.38% | 0.34% | -0.04% |
| Mishra Dhatu Nigam Ltd. | 0.81% | 0.85% | +0.04% |
| Infosys Ltd. | 3.96% | 3.99% | +0.03% |
| Bharti Hexacom Ltd. | 0.98% | 0.95% | -0.03% |
| LIC Housing Finance Ltd. | 0.97% | 1.00% | +0.03% |
| ISGEC Heavy Engineering Ltd. | 0.69% | 0.66% | -0.03% |
| Escorts Kubota Ltd. | 0.60% | 0.58% | -0.02% |
| Interglobe Aviation Ltd. | 1.65% | 1.67% | +0.02% |
| Kaynes Technology India Ltd. | 0.64% | 0.62% | -0.02% |
| United Spirits Ltd. | 1.33% | 1.31% | -0.02% |
| Afcons Infrastructure Ltd. | 0.19% | 0.21% | +0.02% |
| Gillette India Ltd. | 0.48% | 0.46% | -0.02% |
| Syngene International Ltd. | 0.45% | 0.47% | +0.02% |
| KPIT Technologies Ltd. | 0.38% | 0.37% | -0.01% |
| Mankind Pharma Ltd. | 0.60% | 0.59% | -0.01% |
| NTPC Green Energy Ltd. | 1.29% | 1.28% | -0.01% |
| Nestle India Ltd. | 1.29% | 1.28% | -0.01% |
| Sharda Motor Industries Ltd. | 0.42% | 0.43% | +0.01% |
| Swiggy Ltd. | 1.54% | 1.53% | -0.01% |
| TVS Motor Company Ltd. | 0.96% | 0.97% | +0.01% |
| Cholamandalam Investment and Finance Company Ltd. | 1.62% | 1.63% | +0.01% |
| Indus Towers Ltd. | 1.63% | 1.62% | -0.01% |
| Others | 0.00% | 0.00% | 0.00% |
| ICICI Prudential Life Insurance Company Ltd. | 0.37% | 0.37% | 0.00% |
| The Indian Hotels Company Ltd. | 1.18% | 1.18% | 0.00% |
| Yes Bank Ltd. | 0.00% | 0.00% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹1,279 Cr | 2.42% | 6.8% | 8.9% | 13.5% |
 Tata Retirement Savings Progressive Plan | ₹2,255 Cr | 2.20% | 6.3% | 6.3% | 10.4% |
 ICICI Prudential Retirement Fund - Pure Equity Plan | ₹2,158 Cr | 2.14% | 4.3% | 10.8% | 16.6% |
 Aditya Birla Sun Life Retirement Fund - The 30s Plan | ₹487 Cr | 2.64% | 14.3% | 12.2% | 13.5% |
 Union Retirement Fund | ₹216 Cr | 2.69% | 2.3% | 6.3% | — |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities.
Fund managers
- Amber SinghaniaMMS Finance (Mumbai University)Prior to joining the Nippon India AMC, he was associated with Asian Markets Securities Pvt. Ltd.
- Pranay SinhaMr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.Prior to joining Nippon India Mutual Fund, he has worked with ABSLAMC, BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).
- Ritesh RathodMr. Rathod has done CFA, FRM and MBA in FinancePrior to joining Nippon India Mutual Fund, he has worked with Alchemy Capital and Mutual Fund
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months7.02% absolute | ₹60,000 | ₹64,212 | 7.02% | |
| 1 year−2.05% annualised | ₹1,20,000 | ₹1,18,676 | −1.10% | |
| 3 years9.63% annualised | ₹3,60,000 | ₹4,18,811 | 16.34% | |
| 5 years9.28% annualised | ₹6,00,000 | ₹7,65,686 | 27.61% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Nippon India Retirement Fund - Wealth Creation Scheme?
The NAV of Nippon India Retirement Fund - Wealth Creation Scheme is ₹27.94 as on 25 Sep 2026.
What is the expense ratio of Nippon India Retirement Fund - Wealth Creation Scheme?
The expense ratio of Nippon India Retirement Fund - Wealth Creation Scheme is 2.25% per year.
What is the minimum SIP amount for Nippon India Retirement Fund - Wealth Creation Scheme?
You can start a SIP in Nippon India Retirement Fund - Wealth Creation Scheme with ₹3,000 a month.
What returns has Nippon India Retirement Fund - Wealth Creation Scheme given?
Nippon India Retirement Fund - Wealth Creation Scheme has returned -3.4% over 1 year, 2.4% over 3 years and 9.0% over 5 years (annualised).
Is there a lock-in or exit load on Nippon India Retirement Fund - Wealth Creation Scheme?
Lock-in: 5 years. Exit load: Exit load of 1% if redeemed before the age of 60 yrs..
How risky is Nippon India Retirement Fund - Wealth Creation Scheme?
Nippon India Retirement Fund - Wealth Creation Scheme is rated Very High on the SEBI riskometer and belongs to the Retirement Solutions category.
Which fund house manages Nippon India Retirement Fund - Wealth Creation Scheme?
Nippon India Retirement Fund - Wealth Creation Scheme is managed by Nippon India Mutual Fund, which runs 75 schemes with ₹7,67,506 Cr under management.