ReviewDirect · Growth
Nippon India Retirement Fund- Wealth Creation Scheme
Nippon India Mutual FundSolution Oriented Scheme - Retirement Fund11.6 years
- NAV
- 31.5067
- 15 Sept 2026
- 1Y
- -4.2%
- Trailing CAGR
- AUM
- ₹3,127.08 Cr
- 31 Jul 2026
- Volatility
- High
- 16.5% annualized
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-4.2%
- 3Y+9.4%
- 5Y+10.3%
- 10Y+11.1%
- SI+10.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-4.9%
- 3Y+2.7%
- 5Y+9.5%
- 10Y+11.7%
- Since inception
- +10.4%
- Calendar-day CAGR
- Excess 1Y
- -8.9%
- Category median, same plan and option
- 3Y win rate
- +73%
- Windows beating the median
- 3Y percentile
- 56
- Vs comparable share classes
- Worst rolling 3Y
- -10.7%
- 2115 daily-ending windows
- Median rolling 3Y
- +13.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +98%
- 1625 daily-ending windows
- SIP 3Y XIRR
- +2.7%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 118 recovered episodes
- Longest recovery
- 294 days
- Trough to prior peak
- Current spell
- 718 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
23 Jan 2018 – 11 Jan 2021
Trough 23 Mar 2020 · recovered in 294 days
-44.9%
7 Aug 2015 – 25 Jul 2016
Trough 25 Feb 2016 · recovered in 151 days
-19.6%
18 Oct 2021 – 28 Nov 2022
Trough 17 Jun 2022 · recovered in 164 days
-18.7%
27 Sept 2024 – open
Trough 28 Feb 2025 · not recovered
-18.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
56
Vs category
0
Consistency
62
Risk-adjusted
44
Drawdown
0
Mean
32
Portfolio
31 Aug 2026 · 71 holdings · top 10 are 40.8%.
- Top 5
- 27.1%
- Top 10
- 40.8%
- Largest holding
- 7.5%
- Effective holdings
- 36.7
ICICI Bank Ltd
Financial
7.5%
HDFC Bank Ltd
Financial
7.3%
Reliance Industries Ltd
Energy & Utilities
4.2%
Axis Bank Ltd
Financial
4.2%
Infosys Ltd
Technology
4.0%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Review
Engine status
Review
Closer look
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Maximum drawdown exceeded 35%.
Supporting reads
- The fund beat the category median in 73% of rolling 3-year windows.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +11.3%
- 3Y
- +14.9%
- Vol
- 15.7%
- Max DD
- -34.2%
- Sharpe
- 0.53
- 3Y win
- +94%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
ICICI Prudential Mutual Fund
- 1Y
- +5.8%
- 3Y
- +16.4%
- Vol
- 13.8%
- Max DD
- -28.7%
- Sharpe
- 0.79
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Tata Retirement Savings Fund-Moderate Plan
Tata Mutual Fund
- 1Y
- +7.4%
- 3Y
- +12.1%
- Vol
- 12.9%
- Max DD
- -29.6%
- Sharpe
- 0.77
- 3Y win
- +97%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Tata Retirement Savings Fund-Progressive Plan
Tata Mutual Fund
- 1Y
- +7.7%
- 3Y
- +12.9%
- Vol
- 15.3%
- Max DD
- -34.2%
- Sharpe
- 0.68
- 3Y win
- +97%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Union Retirement Fund
Union Mutual Fund
- 1Y
- +3.0%
- 3Y
- +11.9%
- Vol
- 13.2%
- Max DD
- -17.8%
- Sharpe
- 0.79
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns