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Fund Overview

Fund Size

Fund Size

₹3,194 Cr

Expense Ratio

Expense Ratio

0.98%

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 10 years, 11 months and 7 days, having been launched on 11-Feb-15.
As of 16-Jan-26, it has a Net Asset Value (NAV) of ₹32.51, Assets Under Management (AUM) of 3194.00 Crores, and an expense ratio of 0.98%.
  • Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth has given a CAGR return of 11.39% since inception.
  • The fund's asset allocation comprises around 99.22% in equities, 0.00% in debts, and 0.77% 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

+5.00%

(Cat Avg.)

3 Years

+18.31%

(Cat Avg.)

5 Years

+16.63%

(Cat Avg.)

10 Years

+12.98%

(Cat Avg.)

Since Inception

+11.39%

(Cat Avg.)

Portfolio Summaryas of 31st December 2025

Equity3,169 Cr99.22%
Others24.71 Cr0.77%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
HDFC Bank LtdEquity230.95 Cr7.23%
ICICI Bank LtdEquity202.11 Cr6.33%
Reliance Industries LtdEquity160.97 Cr5.04%
State Bank of IndiaEquity127.69 Cr4.00%
Larsen & Toubro LtdEquity112.3 Cr3.52%
Infosys LtdEquity111.35 Cr3.49%
Bajaj Finance LtdEquity103.61 Cr3.24%
Bharti Airtel LtdEquity94.54 Cr2.96%
Mahindra & Mahindra LtdEquity86.8 Cr2.72%
NTPC LtdEquity82.39 Cr2.58%
Axis Bank LtdEquity76.16 Cr2.38%
Vedanta LtdEquity72.53 Cr2.27%
SBI Life Insurance Co LtdEquity71.22 Cr2.23%
Tech Mahindra LtdEquity67.61 Cr2.12%
Power Finance Corp LtdEquity63.97 Cr2.00%
Hindustan Aeronautics Ltd Ordinary SharesEquity59.25 Cr1.85%
UltraTech Cement LtdEquity58.92 Cr1.84%
Samvardhana Motherson International LtdEquity53.18 Cr1.66%
Hindustan Unilever LtdEquity50.95 Cr1.60%
InterGlobe Aviation LtdEquity50.6 Cr1.58%
HDFC Asset Management Co LtdEquity48.1 Cr1.51%
Eternal LtdEquity47.27 Cr1.48%
Cummins India LtdEquity46.56 Cr1.46%
JSW Energy LtdEquity43.42 Cr1.36%
NLC India LtdEquity42.54 Cr1.33%
Titan Co LtdEquity40.52 Cr1.27%
United Spirits LtdEquity39.7 Cr1.24%
Bharat Petroleum Corp LtdEquity38.4 Cr1.20%
Lupin LtdEquity37.97 Cr1.19%
The Federal Bank LtdEquity37.39 Cr1.17%
Crompton Greaves Consumer Electricals LtdEquity35.32 Cr1.11%
Dixon Technologies (India) LtdEquity35.1 Cr1.10%
Hyundai Motor India LtdEquity31.93 Cr1.00%
Brigade Enterprises LtdEquity30.98 Cr0.97%
Eicher Motors LtdEquity29.25 Cr0.92%
Page Industries LtdEquity28.84 Cr0.90%
Triparty RepoCash - Repurchase Agreement28.09 Cr0.88%
Cyient DLM LtdEquity26.9 Cr0.84%
TVS Motor Co LtdEquity26.04 Cr0.82%
Apollo Hospitals Enterprise LtdEquity24.65 Cr0.77%
Britannia Industries LtdEquity24.12 Cr0.76%
JSW Steel LtdEquity23.3 Cr0.73%
Abbott India LtdEquity23.22 Cr0.73%
SRF LtdEquity23.06 Cr0.72%
Mishra Dhatu Nigam Ltd Ordinary SharesEquity22.06 Cr0.69%
Ipca Laboratories LtdEquity21.28 Cr0.67%
Kaynes Technology India LtdEquity21.25 Cr0.67%
United Breweries LtdEquity20.49 Cr0.64%
Hindalco Industries LtdEquity19.95 Cr0.62%
Indian Hotels Co LtdEquity19.95 Cr0.62%
One97 Communications LtdEquity19.48 Cr0.61%
Gland Pharma LtdEquity18.9 Cr0.59%
K.P.R. Mill LtdEquity18.85 Cr0.59%
Schneider Electric Infrastructure LtdEquity18.07 Cr0.57%
Emcure Pharmaceuticals LtdEquity17.56 Cr0.55%
Blue Star LtdEquity17.31 Cr0.54%
ISGEC Heavy Engineering LtdEquity17.13 Cr0.54%
Max Financial Services LtdEquity16.72 Cr0.52%
EIH LtdEquity16.57 Cr0.52%
Alkem Laboratories LtdEquity16.52 Cr0.52%
Gillette India LtdEquity16.45 Cr0.52%
Delhivery LtdEquity16.15 Cr0.51%
Coforge LtdEquity14.97 Cr0.47%
Vikram Solar LtdEquity14.34 Cr0.45%
Sharda Motor Industries LtdEquity14.31 Cr0.45%
Ellenbarrie Industrial Gases LtdEquity14.28 Cr0.45%
Bajel Projects LtdEquity12.35 Cr0.39%
Ion Exchange (India) LtdEquity11.42 Cr0.36%
Marico LtdEquity11.26 Cr0.35%
PVR INOX LtdEquity10.15 Cr0.32%
Afcons Infrastructure LtdEquity8.69 Cr0.27%
Net Current AssetsCash-3.55 Cr0.11%
Kwality Walls (India) Limited**Equity0.88 Cr0.03%
Tvs Motor Company LimitedPreferred Stock0.29 Cr0.01%
Cash Margin - CcilCash - Repurchase Agreement0.17 Cr0.01%

Allocation By Market Cap (Equity)

Large Cap Stocks

73.80%

Mid Cap Stocks

13.99%

Small Cap Stocks

11.40%

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services977.93 Cr30.62%
Consumer Cyclical448.82 Cr14.05%
Industrials380.53 Cr11.91%
Technology311 Cr9.74%
Basic Materials211.04 Cr6.61%
Energy199.37 Cr6.24%
Utilities180.69 Cr5.66%
Consumer Defensive162.97 Cr5.10%
Healthcare160.11 Cr5.01%
Communication Services104.69 Cr3.28%
Real Estate30.98 Cr0.97%

Risk & Performance Ratios

Standard Deviation

This fund

12.90%

Cat. avg.

--

Lower the better

Sharpe Ratio

This fund

0.85

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

KD

Kinjal Desai

Since May 2018

LM

Lokesh Maru

Since September 2025

DS

Divya Sharma

Since September 2025

Additional Scheme Detailsas of 31st December 2025

ISIN
INF204KA1B72
Expense Ratio
0.98%
Exit Load
No Charges
Fund Size
₹3,194 Cr
Age
10 years 11 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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About the AMC

Nippon India Mutual Fund

Nippon India Mutual Fund

Total AUM

₹7,21,961 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 Nifty India Manufacturing Index Fund Direct Growth

Very High Risk

0.3%0.0%₹38.08 Cr-
Nippon India MNC Fund Direct Growth

Very High Risk

1.2%1.0%₹440.65 Cr-
Nippon India Income Plus Arbitrage Active Fund of Fund Direct Growth

Moderate Risk

0.4%0.0%₹807.84 Cr-
Nippon India BSE Sensex Next 30 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹38.22 Cr-
Nippon India Nifty 500 Low Volatility 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹17.91 Cr-
Nippon India Nifty 500 Quality 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹41.93 Cr-
Nippon India Active Momentum Fund Direct Growth

Very High Risk

0.7%1.0%₹326.02 Cr-
Nippon India Nifty Auto Index Fund Direct Growth

Very High Risk

0.3%0.0%₹40.46 Cr21.2%
Nippon India Nifty Realty Index Fund Direct Growth

Very High Risk

0.3%0.0%₹31.35 Cr-8.1%
Nippon India CRISIL-IBX AAA Financial Services - Dec 2026 Index Fund Regular Growth

Moderate Risk

0.1%0.0%₹98.88 Cr7.9%
Nippon India CRISIL-IBX AAA Financial Services - Jan 2028 Index Fund Regular Growth

Low to Moderate Risk

0.1%0.0%₹85.87 Cr8.3%
Nippon India Nifty 500 Momentum 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹1077.24 Cr-1.9%
Nippon India Nifty 500 Equal Weight Index Fund Direct Growth

Very High Risk

0.3%0.0%₹424.83 Cr2.4%
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

0.3%0.0%₹208.47 Cr-7.1%
Nippon India Nifty Bank Index Fund Direct Growth

Very High Risk

0.2%0.0%₹183.51 Cr22.5%
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%₹2856.29 Cr6.5%
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 Cr7.1%
Nippon India Fixed Horizon Fund XLIV Series 3 Direct Growth

Moderate Risk

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

Low Risk

-0.0%₹3.06 Cr7.1%
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 Cr7.3%
Nippon India Fixed Horizon Fund XLIV Series 1 Direct Growth

Low to Moderate Risk

-0.0%₹72.20 Cr8.0%
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%₹184.13 Cr8.1%
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

----
Nippon India Fixed Horizon Fund XXXX Series 9 Direct Growth

Moderate Risk

-0.0%--
Nippon India Interval Fund Quarterly Series II Direct Growth

Moderate Risk

-0.0%₹14.58 Cr6.0%

Risk Level

Your principal amount will be at Very High Risk

Very High Risk

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The NAV of Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth, as of 16-Jan-2026, is ₹32.51.
The fund has generated 5.00% over the last 1 year and 18.31% 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 99.22% in equities, 0.00% in bonds, and 0.77% 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
  3. Kinjal Desai
  4. Lokesh Maru
  5. Divya Sharma
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