HealthyDirect · GrowthFit for a long SIP
Nippon India Pharma Fund
Nippon India Mutual FundEquity Schemes - Sectoral Fund13.8 years
The scheme seeks to generate consistent returns by investing in equity / equity related or fixed income securities of pharma and other associated companies.
- NAV
- 625.4566
- 30 Oct 2026
- 1Y
- +9.1%
- Trailing CAGR
- AUM
- ₹9,166.4 Cr
- 30 Sept 2026
- Volatility
- Medium
- 15.5% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.99% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -24.0%. Ask whether you can hold through a similar fall.
Vs category
Watch
41% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Amber Singhania · 0.6 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 56.4% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 24%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+9.1%
- 3Y+18.6%
- 5Y+14.2%
- 10Y+15.2%
- SI+17.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+11.8%
- 3Y+10.5%
- 5Y+16.1%
- 10Y+18.1%
- Since inception
- +17.2%
- Calendar-day CAGR
- Excess 1Y
- +11.3%
- Category median, same plan and option
- 3Y win rate
- +41%
- Windows beating the median
- 3Y percentile
- 88
- Vs comparable share classes
- SIP 3Y XIRR
- +10.5%
- Simulated monthly SIP
- Worst rolling 3Y
- -1.4%
- 2654 daily-ending windows
- Median rolling 3Y
- +19.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2161 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -24.0%
- Worst peak-to-trough
- Current
- -4.3%
- Below last peak
- Current spell
- 60 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 15 days
- 143 recovered episodes
- Longest recovery
- 445 days
- Trough to prior peak
30 Oct 2015 – 17 Aug 2018
Trough 29 May 2017 · recovered in 445 days
-24.0%
19 Feb 2020 – 9 Apr 2020
Trough 23 Mar 2020 · recovered in 17 days
-21.2%
15 Sept 2021 – 28 Jun 2023
Trough 17 Jun 2022 · recovered in 376 days
-19.5%
7 Sept 2018 – 19 Feb 2020
Trough 7 Oct 2019 · recovered in 135 days
-17.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
88
Vs category
100
Consistency
42
Risk-adjusted
62
Drawdown
40
Mean
66
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 38 holdings · top 10 are 56.4%.
- Top 5
- 36.4%
- Top 10
- 56.4%
- Largest holding
- 11.7%
- Effective holdings
- 21.7
Sun Pharmaceutical Industries Ltd
Healthcare
11.7%
Divi's Laboratories Ltd
Healthcare
7.1%
Lupin Ltd
Healthcare
6.2%
Cipla Ltd
Healthcare
6.0%
Dr. Reddy's Laboratories Ltd
Healthcare
5.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Healthcare Fund
DSP Mutual Fund
- 1Y
- +15.0%
- 3Y
- +21.6%
- Vol
- 14.3%
- Max DD
- -21.7%
- Sharpe
- 1.12
- 3Y win
- +60%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
WhiteOak Capital Pharma and Healthcare Fund
WhiteOak Capital Mutual Fund
- 1Y
- +19.5%
- 3Y
- n/a
- Vol
- 14.5%
- Max DD
- -15.4%
- Sharpe
- 1.08
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
DSP Banking & Financial Services Fund
DSP Mutual Fund
- 1Y
- -0.5%
- 3Y
- n/a
- Vol
- 16.8%
- Max DD
- -14.7%
- Sharpe
- 0.46
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Lower trailing returns
BANDHAN TRANSPORTATION AND LOGISTICS FUND
Bandhan Mutual Fund
- 1Y
- -1.8%
- 3Y
- +17.2%
- Vol
- 14.7%
- Max DD
- -25.0%
- Sharpe
- 0.86
- 3Y win
- +85%
- Lower volatility
- Higher win rate vs category
Caveat: Deeper drawdown · Higher TER · Lower trailing returns
Groww Banking & Financial Services Fund
Groww Mutual Fund
- 1Y
- -1.6%
- 3Y
- n/a
- Vol
- 16.2%
- Max DD
- -16.4%
- Sharpe
- 0.18
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns