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Fund Overview

Fund Size

Fund Size

₹3,135 Cr

Expense Ratio

Expense Ratio

0.86%

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, 6 months and 17 days, having been launched on 11-Feb-15.
As of 27-Aug-26, it has a Net Asset Value (NAV) of ₹33.06, Assets Under Management (AUM) of 3134.57 Crores, and an expense ratio of 0.86%.
  • Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth has given a CAGR return of 10.92% since inception.
  • The fund's asset allocation comprises around 99.48% in equities, 0.00% in debts, and 0.52% 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

+2.74%

(Cat Avg.)

3 Years

+13.05%

(Cat Avg.)

5 Years

+12.57%

(Cat Avg.)

10 Years

+11.82%

(Cat Avg.)

Since Inception

+10.92%

(Cat Avg.)

Portfolio Summaryas of 31st July 2026

Equity3,118.36 Cr99.48%
Others16.21 Cr0.52%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
HDFC Bank LtdEquity239.41 Cr7.64%
ICICI Bank LtdEquity232.53 Cr7.42%
Reliance Industries LtdEquity134.05 Cr4.28%
Infosys LtdEquity124.23 Cr3.96%
Axis Bank LtdEquity122.95 Cr3.92%
Mahindra & Mahindra LtdEquity110.8 Cr3.53%
State Bank of IndiaEquity106.85 Cr3.41%
JSW Energy LtdEquity99.74 Cr3.18%
Larsen & Toubro LtdEquity78.78 Cr2.51%
Tech Mahindra LtdEquity70.18 Cr2.24%
Alkem Laboratories LtdEquity65.27 Cr2.08%
Vedanta Aluminium Metal LtdEquity64.95 Cr2.07%
Hindustan Aeronautics Ltd Ordinary SharesEquity62.73 Cr2.00%
HDFC Asset Management Co LtdEquity54.93 Cr1.75%
InterGlobe Aviation LtdEquity51.71 Cr1.65%
Eternal LtdEquity51.42 Cr1.64%
Indus Towers Ltd Ordinary SharesEquity51.04 Cr1.63%
JSW Infrastructure LtdEquity50.86 Cr1.62%
Cholamandalam Investment and Finance Co LtdEquity50.84 Cr1.62%
Info Edge (India) LtdEquity49.63 Cr1.58%
Varun Beverages LtdEquity48.65 Cr1.55%
Swiggy LtdEquity48.43 Cr1.54%
Bajaj Finance LtdEquity45.65 Cr1.46%
Ambuja Cements LtdEquity44.86 Cr1.43%
Blue Star LtdEquity42.03 Cr1.34%
United Spirits LtdEquity41.69 Cr1.33%
Nestle India LtdEquity40.56 Cr1.29%
NTPC Green Energy LtdEquity40.34 Cr1.29%
Gland Pharma LtdEquity37.54 Cr1.20%
Indian Hotels Co LtdEquity36.93 Cr1.18%
Crompton Greaves Consumer Electricals LtdEquity33.83 Cr1.08%
Endurance Technologies LtdEquity33.22 Cr1.06%
Cummins India LtdEquity33.11 Cr1.06%
Titan Co LtdEquity32.18 Cr1.03%
Power Finance Corp LtdEquity30.85 Cr0.98%
Bharti Hexacom LtdEquity30.78 Cr0.98%
LIC Housing Finance LtdEquity30.47 Cr0.97%
TVS Motor Co LtdEquity30.19 Cr0.96%
Samvardhana Motherson International LtdEquity30.15 Cr0.96%
Max Financial Services LtdEquity29.74 Cr0.95%
HealthCare Global Enterprises LtdEquity27.88 Cr0.89%
Tata Power Co LtdEquity27.6 Cr0.88%
Abbott India LtdEquity26.87 Cr0.86%
PB Fintech LtdEquity25.62 Cr0.82%
Mishra Dhatu Nigam Ltd Ordinary SharesEquity25.44 Cr0.81%
Shriram Finance LtdEquity23.68 Cr0.76%
TD Power Systems LtdEquity23.27 Cr0.74%
Britannia Industries LtdEquity21.67 Cr0.69%
ISGEC Heavy Engineering LtdEquity21.47 Cr0.69%
Kaynes Technology India LtdEquity20.15 Cr0.64%
Piramal Pharma LtdEquity19.32 Cr0.62%
Mankind Pharma LtdEquity18.9 Cr0.60%
Escorts Kubota LtdEquity18.68 Cr0.60%
TBO Tek LtdEquity18.37 Cr0.59%
United Breweries LtdEquity17.92 Cr0.57%
L&T Finance LtdEquity15.56 Cr0.50%
Bharat Heavy Electricals LtdEquity15.21 Cr0.49%
Gillette India LtdEquity15 Cr0.48%
Syngene International LtdEquity14.2 Cr0.45%
Sharda Motor Industries LtdEquity13.26 Cr0.42%
Indegene LtdEquity12.96 Cr0.41%
Bajel Projects LtdEquity12.6 Cr0.40%
Dixon Technologies (India) LtdEquity12.3 Cr0.39%
KPIT Technologies LtdEquity11.99 Cr0.38%
NLC India LtdEquity11.92 Cr0.38%
ICICI Prudential Life Insurance Co LtdEquity11.55 Cr0.37%
Ellenbarrie Industrial Gases LtdEquity11.06 Cr0.35%
Net Current AssetsCash10.24 Cr0.33%
Afcons Infrastructure LtdEquity6.09 Cr0.19%
Triparty RepoCash - Repurchase Agreement5.92 Cr0.19%
Ion Exchange (India) LtdEquity3.73 Cr0.12%
Cash Margin - CcilCash - Repurchase Agreement0.05 Cr0.00%

Allocation By Market Cap (Equity)

Large Cap Stocks

64.82%

Mid Cap Stocks

23.22%

Small Cap Stocks

11.44%

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services1,020.63 Cr32.56%
Consumer Cyclical438.77 Cr14.00%
Industrials407.69 Cr13.01%
Technology238.84 Cr7.62%
Healthcare222.94 Cr7.11%
Utilities192.2 Cr6.13%
Consumer Defensive185.49 Cr5.92%
Basic Materials146.31 Cr4.67%
Energy134.05 Cr4.28%
Communication Services131.45 Cr4.19%

Risk & Performance Ratios

Standard Deviation

This fund

14.90%

Cat. avg.

--

Lower the better

Sharpe Ratio

This fund

0.47

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 July 2026

ISIN
INF204KA1B72
Expense Ratio
0.86%
Exit Load
No Charges
Fund Size
₹3,135 Cr
Age
11 years 6 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

₹7,71,104 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 Income Plus Arbitrage Omni Fund of Fund Direct Growth

Moderate Risk

-0.0%--
Nippon India CRISIL-IBX Financial Services 3-6 Months Debt Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹356.39 Cr-
Nippon India CRISIL-IBX Financial Services 9-12 Months Debt Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹399.73 Cr-
Nippon India Nifty India Manufacturing Index Fund Direct Growth

Very High Risk

0.2%0.0%₹40.66 Cr15.7%
Nippon India MNC Fund Direct Growth

Very High Risk

1.0%1.0%₹438.65 Cr8.0%
Nippon India Income Plus Arbitrage Active Fund of Fund Direct Growth

Moderate Risk

0.4%0.0%₹643.53 Cr6.0%
Nippon India BSE Sensex Next 30 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹86.50 Cr11.9%
Nippon India Nifty 500 Low Volatility 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹29.37 Cr2.1%
Nippon India Nifty 500 Quality 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹44.04 Cr5.2%
Nippon India Active Momentum Fund Direct Growth

Very High Risk

0.6%1.0%₹504.94 Cr15.9%
Nippon India Nifty Auto Index Fund Direct Growth

Very High Risk

0.3%0.0%₹47.70 Cr15.0%
Nippon India Nifty Realty Index Fund Direct Growth

Very High Risk

0.3%0.0%₹63.07 Cr1.6%
Nippon India CRISIL-IBX AAA Financial Services - Dec 2026 Index Fund Regular Growth

Moderate Risk

0.1%0.0%₹115.73 Cr6.7%
Nippon India CRISIL-IBX AAA Financial Services - Jan 2028 Index Fund Regular Growth

Low to Moderate Risk

0.1%0.0%₹81.56 Cr6.2%
Nippon India Nifty 500 Momentum 50 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹1246.90 Cr9.8%
Nippon India Nifty 500 Equal Weight Index Fund Direct Growth

Very High Risk

0.3%0.0%₹517.73 Cr7.6%
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%₹258.41 Cr-14.7%
Nippon India Nifty Bank Index Fund Direct Growth

Very High Risk

0.2%0.0%₹227.84 Cr6.0%
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%₹2979.24 Cr6.6%
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 Cr6.3%
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%₹188.63 Cr6.1%
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%

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 27-Aug-2026, is ₹33.06.
The fund has generated 2.74% over the last 1 year and 13.05% 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 99.48% in equities, 0.00% in bonds, and 0.52% 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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