Nippon India Retirement Fund - Wealth Creation Sch...
(Scheme Rating)
NAV as of Sep 05, 2025
32.220.04%
- Growth - Direct
(Earn upto 0.95% Extra Returns with Direct Plan)
Fund Category:
Equity: Flexi Cap
Expense Ratio:
0.98%(0.69% Category
average)Fund Size:
Rs. 3,217.65 Cr(0.47% of Investment in Category)
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Nippon India Retirement Fund - Wealth Creation Scheme Di...
(Scheme Rating)
NAV as of Sep 05, 2025
32.220.04%
Expense Ratio:
0.98%
Fund Size:
Rs. 3,217.65 Cr
Fund Category:
Equity: Flexi Cap
1. Current NAV: The Current Net Asset Value of the Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan as of Sep 05, 2025 is Rs 32.22 for Growth option of its Direct plan.
2. Returns: Its trailing returns over different time periods are: -3.46% (1yr), 17.96% (3yr), 21.84% (5yr) and 11.7% (since launch). Whereas, Category returns for the same time duration are: -3.41% (1yr), 15.39% (3yr) and 19.29% (5yr).
3. Fund Size: The Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan currently holds Assets under Management worth of Rs 3217.65 crore as on Jul 31, 2025.
4. Expense ratio: The expense ratio of the fund is 0.98% for Direct plan as on Sep 04, 2025.
5. Exit Load: The given fund doesn't attract any Exit Load.
6. Minimum Investment: Minimum investment required is Rs 500 and minimum additional investment is Rs 500. Minimum SIP investment is Rs 500.
Nippon India Retirement Fund - Wealth Creation Scheme Direct-Growth Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
1M 3M 6M 1Y 3Y 5Y Annualized Returns 0.18 1.08 12.62 -3.46 17.96 21.84 Category Avg 0.28 0.11 13.01 -3.27 15.53 19.45 Rank within Category 73 43 66 58 23 14 No. of funds within Category 112 108 104 92 73 55 - Loading...
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Return Comparison
- This Fund
- BenchmarkBSE 500 Total Return Index
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Nippon India Retirement Fund - Wealth Creation Scheme Direct-Growth Fund Details
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 House | Nippon India Mutual Fund |
| Launch Date | Feb 11, 2015 |
| Benchmark | BSE 500 Total Return Index |
| Return Since Launch | 11.7% |
| Riskometer | Very High |
| Type | Open-ended |
| Risk Grade | Average |
| Return Grade | Above Average |
Nippon India Retirement Fund - Wealth Creation Scheme Direct-Growth Investment Details
| Minimum Investment (Rs.) | 500.00 |
| Minimum Additional Investment (Rs.) | 500.00 |
| Minimum SIP Investment (Rs.) | 500.00 |
| Minimum Withdrawal (Rs.) | 100.00 |
| Exit Load | 0% |
Portfolio Allocation
Asset Allocation
Asset Allocation History
Sector Allocation
Market Cap Allocation
Concentration & Valuation Analysis
| JUL 2025 | JUN 2025 | MAY 2025 | APR 2025 | MAR 2025 | FEB 2025 | |
|---|---|---|---|---|---|---|
| Number of Holdings | 71 | 67 | 63 | 64 | 64 | 64 |
| Top 5 Company Holdings | 26.36% | 26.7% | 27.8% | 28.66% | 28.5% | 28.86% |
| Top 10 Company Holdings | 40.18% | 41.16% | 42.32% | 42.95% | 43.5% | 43.39% |
| Company with Highest Exposure | ICICI Bank (7.71%) | ICICI Bank (7.72%) | ICICI Bank (8.45%) | ICICI Bank (9.15%) | ICICI Bank (8.86%) | ICICI Bank (8.45%) |
| Number of Sectors | 17 | 17 | 16 | 16 | 16 | 16 |
| Top 3 Sector Holdings | 48.77% | 49.71% | 50.74% | 50.86% | 49.19% | 48.46% |
| Top 5 Sector Holdings | 61.05% | 62.03% | 62.68% | 62.28% | 61.57% | 62.3% |
| Sector with Highest Exposure | Financial (28.16%) | Financial (29.01%) | Financial (30.05%) | Financial (31.71%) | Financial (31.64%) | Financial (30.64%) |
Top Stock Holdings
Sector Holdings in MF
Company Sector Assest(%) P/E EPS-TTM(₹) RETURN 1 YR(%) ICICI Bank Financial 7.71 18.92 74.12 16.11 HDFC Bank Financial 7.31 21.02 45.97 17.71 Reliance Industries Energy 4.43 22.89 60.23 -6.13 Infosys Technology 3.52 21.83 65.63 -24.04 Larsen & Toubro Construction 3.39 30.59 115.38 -0.59 State Bank of India Financial 3.34 9.40 86.06 3.08 Bajaj Finance Financial 2.88 33.68 28.04 28.14 Bharti Airtel Communication 2.67 32.55 57.99 23.13 NTPC Energy 2.6 13.22 24.71 -16.74 Mahindra & Mahindra Automobile 2.33 33.52 110.41 31.99
Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y Nippon India Retirement Fund - Wealth Creation Scheme Direct-Growth 32.22 3,217.65 0.18 -3.46 17.96 21.84 ICICI Prudential Retirement Fund - Pure Equity Plan Direct - Growth 35.66 1,332.68 0.11 5.28 24.49 29.05 Parag Parikh Flexi Cap Fund Direct-Growth 92.51 1,13,280.87 1.09 7.28 21.67 23.49 Invesco India Flexi Cap Fund Direct - Growth 20.22 3,667.72 1.15 4.82 24.47 - ICICI Prudential India Equity FOF Direct - Growth 31.72 195.06 0.57 -0.02 21.14 26.27
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Standard Deviation
Standard Deviation
Standard deviation is the deviation of the fund's return around mean.
High Volatality
13.34VS13.14Fund Vs Category Avg
Beta
Beta
Beta shows the portfolio risk in relation to the market. A beta of less than 1 means that the fund returns are less volatile compared to the broader market. A beta of more than 1 means that the fund returns are more volatile than the broader markets. A beta equal to 1 means that fund's volatility is in line with the broader market.
High Volatality
0.97VS0.92Fund Vs Category Avg
Sharpe Ratio
Sharpe Ratio
Sharpe ratio is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe ratio.
Better risk-adjusted returns
0.80VS0.74Fund Vs Category Avg
Treynor's Ratio
Treynor's Ratio
Treynor is a risk adjusted performance measure. A fund with a higher Treynor ratio is considered better than a fund with a lower Treynor ratio.
Better risk-adjusted returns
10.97VS10.54Fund Vs Category Avg
Jensen's Alpha
Jensen's Alpha
Alpha shows the ability of the fund manager to outperform the market. A higher Alpha is preferred.
Better risk-adjusted returns
2.81VS2.14Fund Vs Category Avg
Mean Return
Mean Return
Average return generated by the fund during a specified period.
Better average monthly returns
16.99VS15.89Fund Vs Category Avg
Risk Ratio Chart
- Risk Ratio
- Category Average
Nippon India Mutual Fund News
Fund Manager
- P.S.Pranay SinhaSince Mar 20215 schemes
- A.B.Ashutosh BhargavaSince Apr 202410 schemes
- D.D.Divya Dutt SharmaSince Sep 202542 schemes
- L.M.Lokesh MaruSince Sep 202542 schemes
Mr. 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).
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Nippon India Dynamic Bond Fund Direct-Growth Dynamic Bond 40.20 4,629.26 8.05 Nippon India Banking and PSU Fund Direct-Growth Banking and PSU 21.74 5,684.38 8.23 Nippon India Gilt Fund Direct-Growth Gilt 42.60 2,056.83 5.48 Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth Conservative Hybrid 22.92 154.35 4.01 Nippon India Nivesh Lakshya Long Duration Fund Direct - Growth Long Duration 18.18 Unrated 9,808.60 5.55 Mr. Bhargava is B.Com & MBA (Finance) Prior to joining Nippon India Mutual Fund he has worked with Reliance Capital Ltd and JP Morgan India Service Pvt. Ltd.
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Nippon India Multi Cap Fund Direct-Growth Multi Cap 329.43 45,881.41 0.48 Nippon India Multi - Asset Omni FoF Direct-Growth Multi Asset Allocation 22.58 907.88 9.29 Nippon India Balanced Advantage Fund Direct-Growth Dynamic Asset Allocation 200.21 9,355.29 3.11 Nippon India Multi Asset Allocation Fund Direct - Growth Multi Asset Allocation 23.65 6,649.41 10.57 Nippon India Equity Savings Fund Direct-Growth Equity Savings 17.64 763.52 4.19 Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth Conservative Hybrid 22.92 154.35 4.01 Nippon India Diversified Equity Flexicap Passive FoF Direct-Growth Flexi Cap 21.09 231.15 -3.58 Nippon India Active Momentum Fund Direct-Growth Thematic 11.62 Unrated 221.19 - Nippon India Equity Savings Fund - Segregated Portfolio 1 Direct - Growth Equity Savings 0.68 Unrated 25.81 - Nippon India Quant Fund Retail Direct-Growth Thematic 76.48 Unrated 101.39 -1.18 Bachelor of Commerce, MSC Banking & Finance. Prior to joining the Nippon AMC, he was associated with Bhramrishi Mission NGO, Equations LLC, V.K Pamecha and Associates.
Bachelor of Technology, CFA, FRM Prior to joining the Nippon AMC, he was associated with BlackRock Services India Private Ltd, CRISIL Ltd.
More Nippon India Mutual Fund
| Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| Nippon India Small Cap Fund Direct- Growth | 65,922.00 | -0.18 | 0.11 | 17.49 | -6.63 | 23.62 | |
| Nippon India Multi Cap Fund Direct-Growth | 45,881.41 | 0.85 | 1.17 | 17.48 | 0.48 | 23.46 | |
| Nippon India Large Cap Fund Direct-Growth | 44,164.76 | 1.44 | 1.90 | 15.07 | 2.21 | 19.94 | |
| Nippon India Growth Mid Cap Fund Direct- Growth | 38,581.28 | 0.64 | 0.42 | 17.36 | -0.27 | 24.80 | |
| Nippon India Liquid Fund Direct-Growth | 35,387.59 | 0.47 | 1.48 | 3.37 | 7.02 | 7.09 | |
| Nippon India Money Market Fund Direct-Growth | 22,460.96 | 0.43 | 1.61 | 4.25 | 8.05 | 7.65 | |
| Nippon India Arbitrage Fund Direct-Growth | 15,382.57 | 0.40 | 1.56 | 3.46 | 7.17 | 7.63 | |
| Nippon India ELSS Tax Saver Fund Direct-Growth | 15,338.90 | -0.70 | -0.49 | 14.38 | -3.31 | 17.51 | |
| Nippon India Ultra Short Duration Fund Direct-Growth | 10,252.04 | 0.48 | 1.66 | 4.06 | 7.96 | 7.66 | |
| Nippon India Corporate Bond Fund Direct-Growth | 10,013.39 | -0.14 | 0.66 | 4.99 | 8.90 | 8.18 |
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1. Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan is Open-ended Flexi Cap Equity scheme which belongs to Nippon India Mutual Fund House.
2. The fund was launched on Feb 11, 2015.
Investment objective & Benchmark
1. The investment objective of the fund is that " 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. "
2. It is benchmarked against BSE 500 Total Return Index.
Asset Allocation & Portfolio Composition
1. The asset allocation of the fund comprises around 99.14% in equities, 0.0% in debts and 0.86% in cash & cash equivalents.
2. While the top 10 equity holdings constitute around 40.18% of the assets, the top 3 sectors constitute around 48.77% of the assets.
3. The fund largely follows a Growth oriented style of investing and invests across market capitalisations - around 0.0% in giant & large cap companies, 0.0% in mid cap and 0.0% in small cap companies.
Tax Implications on Nippon India Retirement Fund - Wealth Creation Scheme Direct-Growth
1. Gains are taxed at a rate of 15% (Short-term Capital Gain Tax - STCG) if units are redeemed within 1 year of investment.
2. For units redeemed after 1 year of investment, gains of upto Rs. 1 lakh accruing from those units in a financial year shall be exempted from tax.
3. Gains of more than Rs. 1 lakh will be taxed at a rate of 10% (Long-term Capital Gain Tax - LTCG).
4. For Dividend Distribution Tax, the dividend income from this fund will get added to the income of an investor and taxed according to his/her respective tax slabs.
5. Also, for dividend income in excess of Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
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FAQs about Nippon India Retirement Fund - Wealth Creation Scheme Direct-Growth
- Is it safe to invest in Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan comes under Very High risk category.
- What is the category of Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan?Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan belongs to the Equity : Flexi Cap category of funds.
- How Long should I Invest in Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan?The suggested investment horizon of investing into Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan is >3 years. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan?The Nippon India Retirement Fund - Wealth Creation Scheme - Direct Plan is managed by Kinjal Desai (Since May 25, 2018) , Pranay Sinha (Since Mar 31, 2021) , Ashutosh Bhargava (Since Apr 08, 2024) , Divya Dutt Sharma (Since Sep 05, 2025) and Lokesh Maru (Since Sep 05, 2025).
Date Sources: Mutual Funds, ETFs, and NPS data are sourced from Value Research. All times stamps are reflecting IST (Indian Standard Time). By using this site, you agree to the Terms of Service and Privacy Policy.
