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InvestVerdict

Nippon India Retirement Fund- Wealth Creation Scheme

Regular Plan · Bonus Option · Retirement Funds · Scheme code 133631

NAV₹29.0458as on 28 Aug 2026
Fund houseNippon India Mutual Fund
CategoryRetirement Funds
Plan & optionRegular · Bonus Option
History11.5 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.674.081.47 2.8311.8011.48 13.1110.669.64
Nifty 100
benchmark		 0.253.49-1.52 1.8410.529.38 ——12.79
Retirement Funds
category median		 ——— 3.519.248.35 —9.74—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 16.3% 0.33 0.43 1.07 -0.73% -46.0% 93.82
Nifty 100
benchmark		 17.1%0.23 0.32—— -37.0%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 82 months this scheme and its benchmark share.

Growth of ₹100 since launch

66150235319201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-16%-31%-47%201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
519 -40.1% 7.0% 76.5% 28%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

InvestVerdict

Nippon India Retirement Fund- Wealth Creation Scheme

Regular Plan · Bonus Option

Allocation

By asset

Equity99.21%
Cash & Equivalents0.79%

By market cap

Large Cap67.57%
Mid Cap22.52%
Small Cap9.12%

Concentration

Number of stocks69
Top 5 stocks28.40%
Top 10 stocks42.33%
Top 20 stocks59.53%
Largest holding8.28%
Largest sectorICRA D —
Effective stocks34.6
Cash0.79%
InvestVerdict

Nippon India Retirement Fund- Wealth Creation Scheme

Regular Plan · Bonus Option · holdings

Top 18 holdings

#CompanySector% of fund
1— Banks8.28%
2— Banks7.89%
3— Banks4.36%
4— Petroleum Products4.30%
5— IT - Software3.57%
6— Banks3.46%
7— Power3.40%
8— Construction2.69%
9— Automobiles2.33%
10— Pharmaceuticals & Biotechnology2.05%
11— IT - Software1.94%
12— Aerospace & Defense1.92%
13— Beverages1.81%
14— Capital Markets1.81%
15— Transport Services1.74%
16— Transport Infrastructure1.70%
17— Telecom - Services1.66%
18— Finance1.59%

Sector split

Banks — 24.0%Finance — 6.8%Power — 6.7%IT - Software — 6.0%Petroleum Products — 5.3%Consumer Durables — 4.8%Construction — 3.7%Retailing — 3.7%Pharmaceuticals & Biotechnology — 3.6%Other — 35.5%Banks24.0%Finance6.8%Power6.7%IT - Software6.0%Petroleum Products5.3%Consumer Durables4.8%Construction3.7%Retailing3.7%Pharmaceuticals & Biotech…3.6%Other35.5%
Banks23.99%
Finance6.79%
Power6.70%
IT - Software5.95%
Petroleum Products5.28%
Consumer Durables4.83%
Construction3.70%
Retailing3.67%
Pharmaceuticals & Biotechnology3.58%
Beverages3.56%

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹788,484 ₹188,484 10.88%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 30 Aug 2026.