Sharpe ratio
0.32Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
-0.87%1Y Absolute Return
-0.53%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth OptionFund 5Y annualised return | ₹9,39,318 | ₹7,32,612 | ₹2,06,706 | +10.16% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.11
₹1 Lakh since launch₹1.11 Lakh
Fund age11.7 yrs
Fund information
Scheme code133568
ISININF204KA1B72
BenchmarkBSE 500 TRI
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.28%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
81st / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +102.82% | — | — |
| 3M | -5.01% | — | — |
| 6M | +9.64% | — | — |
| 1Y | -0.87% | — | +1.16% |
| 3Y | +11.84% | — | +8.74% |
| 5Y | +10.16% | — | +7.27% |
| 10Y | +11.90% | — | — |
| Since Launch | +10.61% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.42Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
15.10%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.24How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Allocation data has not been disclosed.
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 73 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| HDFC Bank Ltd | Financial | Equity | 7.64% |
| ICICI Bank Ltd | Financial | Equity | 7.42% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 4.28% |
| Infosys Ltd | Technology | Equity | 3.96% |
| Axis Bank Ltd | Financial | Equity | 3.92% |
| Mahindra & Mahindra Ltd | Consumer Discretionary | Equity | 3.53% |
| State Bank of India | Financial | Equity | 3.41% |
| JSW Energy Ltd | Energy & Utilities | Equity | 3.18% |
| Larsen & Toubro Ltd | Industrials | Equity | 2.51% |
| Tech Mahindra Ltd | Technology | Equity | 2.24% |
Fund management
PR
Pranay Sinha
Since 2021 · 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).
Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.
RI
Ritesh Rathod
Since 2025 · Prior to joining Nippon India Mutual Fund, he has worked with Alchemy Capital and Mutual Fund
Mr. Rathod has done CFA, FRM and MBA in Finance
AM
Amber Singhania
Since 2026 · Prior to joining the Nippon India AMC, he was associated with Asian Markets Securities Pvt. Ltd.
MMS Finance (Mumbai University)
KI
Kinjal Desai
Since 2018 · She has been working with Nippon India Mutual Fund since year, 2012
Ms. Desai has done B.A (Economics), MSc. (Economics) and has cleared CFA Level 1
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high riskometer-risk solution oriented scheme - retirement fund. Ahead of its category average over 3Y by 3.1 points. Has fallen sharply before — down -44.9% at its worst.
Strengths
- Ahead of its category average over 3Y by 3.1 points.
- Same fund manager for 8+ years — the strategy has not chopped and changed.
Weaknesses
- Has fallen sharply before — down -44.9% at its worst.
- Ranks 81 of 106 in its category over 1 year.
Ideal investor
- Needs a 3+ years horizon to ride out its moderately high riskometer risk level.
- Good fit for SIPs — spreading purchases smooths out 15.1% volatility.
Risk drivers
- Corrections have been sharp — worst fall -44.9% with 15.1% volatility. Took 10 months to recover last time.