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Fund Overview

Fund Size

Fund Size

₹3,035 Cr

Expense Ratio

Expense Ratio

0.87%

ISIN

ISIN

INF204KA1B72

Minimum SIP

Minimum SIP

₹500

Exit Load

Exit Load

No Charges

Inception Date

Inception Date

11 Feb 2015

About this fund

Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth is a Retirement mutual fund schemes offered by Nippon India Mutual Fund. This fund has been in existence for 11 years, 4 months and 12 days, having been launched on 11-Feb-15.
As of 22-Jun-26, it has a Net Asset Value (NAV) of ₹32.44, Assets Under Management (AUM) of 3035.29 Crores, and an expense ratio of 0.87%.
  • Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth has given a CAGR return of 10.91% since inception.
  • The fund's asset allocation comprises around 98.20% in equities, 0.00% in debts, and 1.80% in cash & cash equivalents.
  • You can start investing in Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+1.87%

(Cat Avg.)

3 Years

+14.90%

(Cat Avg.)

5 Years

+13.87%

(Cat Avg.)

10 Years

+12.31%

(Cat Avg.)

Since Inception

+10.91%

(Cat Avg.)

Portfolio Summaryas of 31st May 2026

Equity2,980.78 Cr98.20%
Others54.51 Cr1.80%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
HDFC Bank LtdEquity238.26 Cr7.85%
ICICI Bank LtdEquity222.38 Cr7.33%
Reliance Industries LtdEquity135.42 Cr4.46%
Axis Bank LtdEquity128.66 Cr4.24%
Infosys LtdEquity127.62 Cr4.20%
Larsen & Toubro LtdEquity108.03 Cr3.56%
JSW Energy LtdEquity107 Cr3.53%
State Bank of IndiaEquity100.3 Cr3.30%
Mahindra & Mahindra LtdEquity71.27 Cr2.35%
Samvardhana Motherson International LtdEquity64.62 Cr2.13%
Tech Mahindra LtdEquity63.07 Cr2.08%
NTPC LtdEquity61.9 Cr2.04%
Hindustan Aeronautics Ltd Ordinary SharesEquity58.1 Cr1.91%
Varun Beverages LtdEquity58.08 Cr1.91%
SBI Life Insurance Co LtdEquity54.9 Cr1.81%
Triparty RepoCash - Repurchase Agreement52.48 Cr1.73%
Indus Towers Ltd Ordinary SharesEquity48.85 Cr1.61%
HDFC Asset Management Co LtdEquity48.14 Cr1.59%
NTPC Green Energy LtdEquity46.39 Cr1.53%
Cummins India LtdEquity44.11 Cr1.45%
InterGlobe Aviation LtdEquity44.05 Cr1.45%
Titan Co LtdEquity42.79 Cr1.41%
Eternal LtdEquity42.6 Cr1.40%
Cholamandalam Investment and Finance Co LtdEquity42.26 Cr1.39%
Blue Star LtdEquity39.73 Cr1.31%
Nestle India LtdEquity38.19 Cr1.26%
Crompton Greaves Consumer Electricals LtdEquity36.55 Cr1.20%
Bajaj Finance LtdEquity36.33 Cr1.20%
Alkem Laboratories LtdEquity35.95 Cr1.18%
United Spirits LtdEquity34.92 Cr1.15%
Dixon Technologies (India) LtdEquity33.42 Cr1.10%
Indian Hotels Co LtdEquity32.71 Cr1.08%
L&T Finance LtdEquity31.52 Cr1.04%
Tata Power Co LtdEquity30.5 Cr1.00%
Power Finance Corp LtdEquity30 Cr0.99%
Bharat Petroleum Corp LtdEquity29.81 Cr0.98%
Swiggy LtdEquity28.37 Cr0.93%
PB Fintech LtdEquity27.24 Cr0.90%
Mishra Dhatu Nigam Ltd Ordinary SharesEquity27.02 Cr0.89%
Info Edge (India) LtdEquity26.84 Cr0.88%
LIC Housing Finance LtdEquity26.79 Cr0.88%
Abbott India LtdEquity25.96 Cr0.86%
JSW Steel LtdEquity25.56 Cr0.84%
Bharti Hexacom LtdEquity25.41 Cr0.84%
TVS Motor Co LtdEquity23.49 Cr0.77%
NLC India LtdEquity23.07 Cr0.76%
UltraTech Cement LtdEquity22.96 Cr0.76%
Shriram Finance LtdEquity21.43 Cr0.71%
Britannia Industries LtdEquity20.82 Cr0.69%
Mankind Pharma LtdEquity20.59 Cr0.68%
Gland Pharma LtdEquity20.25 Cr0.67%
ISGEC Heavy Engineering LtdEquity17.47 Cr0.58%
HealthCare Global Enterprises LtdEquity17.05 Cr0.56%
United Breweries LtdEquity16.68 Cr0.55%
Kaynes Technology India LtdEquity16.59 Cr0.55%
Vedanta Aluminium Metal Limited**Equity16.49 Cr0.54%
Ambuja Cements LtdEquity16.29 Cr0.54%
Syngene International LtdEquity16.26 Cr0.54%
Gillette India LtdEquity15.77 Cr0.52%
Bharat Heavy Electricals LtdEquity15.58 Cr0.51%
Bajel Projects LtdEquity13.93 Cr0.46%
Max Financial Services LtdEquity13.1 Cr0.43%
Sharda Motor Industries LtdEquity12.84 Cr0.42%
Escorts Kubota LtdEquity12.74 Cr0.42%
Ellenbarrie Industrial Gases LtdEquity10.95 Cr0.36%
Schneider Electric Infrastructure LtdEquity9.82 Cr0.32%
Afcons Infrastructure LtdEquity7.62 Cr0.25%
Sai Life Sciences LtdEquity6.46 Cr0.21%
Ion Exchange (India) LtdEquity3.62 Cr0.12%
Endurance Technologies LtdEquity2.98 Cr0.10%
Net Current AssetsCash2 Cr0.07%
Talwandi Sabo Power Limited**Equity1.66 Cr0.05%
Malco Energy Limited**Equity1.63 Cr0.05%
Vedanta Iron And Steel Limited**Equity1.04 Cr0.03%
Cash Margin - CcilCash - Repurchase Agreement0.02 Cr0.00%

Allocation By Market Cap (Equity)

Large Cap Stocks

68.68%

Mid Cap Stocks

20.09%

Small Cap Stocks

8.75%

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services1,021.31 Cr33.65%
Industrials360.85 Cr11.89%
Consumer Cyclical358.21 Cr11.80%
Utilities282.8 Cr9.32%
Technology240.69 Cr7.93%
Consumer Defensive184.46 Cr6.08%
Energy165.23 Cr5.44%
Healthcare142.53 Cr4.70%
Basic Materials102.78 Cr3.39%
Communication Services101.09 Cr3.33%

Risk & Performance Ratios

Standard Deviation

This fund

15.28%

Cat. avg.

--

Lower the better

Sharpe Ratio

This fund

0.60

Cat. avg.

--

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

--

Higher the better

Fund Managers

Pranay Sinha

Pranay Sinha

Since March 2021

RR

Ritesh Rathod

Since January 2026

Additional Scheme Detailsas of 31st May 2026

ISIN
INF204KA1B72
Expense Ratio
0.87%
Exit Load
No Charges
Fund Size
₹3,035 Cr
Age
11 years 4 months
Lumpsum Minimum
₹500
Fund Status
Open Ended Investment Company
Benchmark
BSE 500 India TR INR

Investment ObjectiveInvestment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

iconCapital Gains Taxation:

iconDividend Taxation:

info icon

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

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Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth

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0.5%0.0%₹26.72 Cr6.0%
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About the AMC

Nippon India Mutual Fund

Nippon India Mutual Fund

Total AUM

₹7,67,064 Cr

Address

4th Floor, Tower A, Peninsula Business Park, Mumbai, 400 013

Other Funds by Nippon India Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
Nippon India CRISIL-IBX Financial Services 3-6 Months Debt Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹346.79 Cr-
Nippon India CRISIL-IBX Financial Services 9-12 Months Debt Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹537.62 Cr-
Nippon India Nifty India Manufacturing Index Fund Direct Growth

Very High Risk

0.2%0.0%₹37.83 Cr-
Nippon India MNC Fund Direct Growth

Very High Risk

1.0%1.0%₹427.37 Cr-
Nippon India Income Plus Arbitrage Active Fund of Fund Direct Growth

Moderate Risk

0.3%0.0%₹623.81 Cr5.7%
Nippon India BSE Sensex Next 30 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹80.79 Cr10.4%
Nippon India Nifty 500 Low Volatility 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹29.74 Cr2.5%
Nippon India Nifty 500 Quality 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹44.41 Cr2.7%
Nippon India Active Momentum Fund Direct Growth

Very High Risk

0.6%1.0%₹424.11 Cr11.3%
Nippon India Nifty Auto Index Fund Direct Growth

Very High Risk

0.3%0.0%₹44.52 Cr13.8%
Nippon India Nifty Realty Index Fund Direct Growth

Very High Risk

0.3%0.0%₹45.31 Cr-19.7%
Nippon India CRISIL-IBX AAA Financial Services - Dec 2026 Index Fund Regular Growth

Moderate Risk

0.1%0.0%₹98.52 Cr6.6%
Nippon India CRISIL-IBX AAA Financial Services - Jan 2028 Index Fund Regular Growth

Low to Moderate Risk

0.1%0.0%₹83.08 Cr6.1%
Nippon India Nifty 500 Momentum 50 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹1201.81 Cr0.3%
Nippon India Nifty 500 Equal Weight Index Fund Direct Growth

Very High Risk

0.3%0.0%₹474.72 Cr5.8%
Nippon India Fixed Maturity Plan - XLVI - Series 5 - 1868 Days Direct Growth

High Risk

-0.0%--
Nippon India Fixed Maturity Plan - XLVI - Series 2 - 366 Days Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Maturity Plan - XLVI - Series 3 - 368 Days Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Maturity Plan - XLVI - Series 2 - 367 Days Direct Growth

Moderate Risk

-0.0%--
Nippon India Nifty IT Index Fund Direct Growth

Very High Risk

0.2%0.0%₹204.04 Cr-27.8%
Nippon India Nifty Bank Index Fund Direct Growth

Very High Risk

0.2%0.0%₹195.27 Cr3.8%
Nippon India Fixed Maturity Plan - XLVI - Series 1 - 92 Days Direct Growth

Moderately High risk

-0.0%--
Nippon India Innovation Fund Direct Growth

Very High Risk

0.6%1.0%₹2835.99 Cr6.1%
Nippon India Fixed Horizon Fund - XLV - Series 2 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLII Series 1 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund - XLV - Series 3 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLII Series 7 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XLI Series 6 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLII Series 5 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XLI Series 7 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund - XLIII - Series 4 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLII Series 6 Direct Growth

Moderate Risk

----
Nippon India Interval Fund Quarterly Series I Direct Growth

Low Risk

-0.0%₹2.33 Cr5.7%
Nippon India Fixed Horizon Fund XXXX Series 10 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLIV Series 4 Direct Growth

Low Risk

--₹51.85 Cr6.2%
Nippon India Fixed Horizon Fund XLIV Series 3 Direct Growth

Moderate Risk

----
Nippon India Interval Fund Annual Series I Direct Growth

Low to Moderate Risk

-0.0%₹3.08 Cr6.6%
Nippon India Fixed Horizon Fund XLIV Series 5 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund - XLIII - Series 1 Direct Growth

Low Risk

-0.0%₹220.19 Cr5.7%
Nippon India Fixed Horizon Fund XLIV Series 1 Direct Growth

Low to Moderate Risk

-0.0%₹72.20 Cr5.8%
Nippon India Fixed Horizon Fund - XLIII - Series 3 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XLI Series 5 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLII Series 3 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XLIII Series 5 Direct Growth

Low to Moderate Risk

-0.0%₹185.98 Cr5.0%
Nippon India Fixed Horizon Fund XXXIX Series 12 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund - XLIII - Series 2 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLI Series 3 Direct Growth

Moderate Risk

-0.0%--
Nippon India Capital Protection Oriented Fund II Plan A Direct Growth

Low Risk

--₹40.32 Cr9.7%
Nippon India Interval Fund Quarterly Series III Direct Growth

Low Risk

-0.0%₹2.74 Cr5.8%
Nippon India Fixed Horizon Fund XLI Series 13 Direct Growth

Moderate Risk

----

Risk Level

Your principal amount will be at Very High Risk

Very High Risk

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What is the current NAV of Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth?

img
The NAV of Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth, as of 22-Jun-2026, is ₹32.44.
The fund has generated 1.87% over the last 1 year and 14.90% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 98.20% in equities, 0.00% in bonds, and 1.80% in cash and cash equivalents.
The fund managers responsible for Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth are:-
  1. Pranay Sinha
  2. Ritesh Rathod
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