ReviewDirect · GrowthPrefer peers first
Nippon India Retirement Fund- Wealth Creation Scheme
Nippon India Mutual FundSolution Oriented Scheme - Retirement Fund11.7 years
- NAV
- 30.5754
- 29 Oct 2026
- 1Y
- -8.6%
- Trailing CAGR
- AUM
- ₹2,938.85 Cr
- 30 Sept 2026
- Volatility
- High
- 16.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Watch if · Maximum drawdown exceeded 35%.
Prefer peers if · Prefer ICICI Prudential Retirement Fund Hybrid Aggressive Plan if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
11.7 years of path to read.
Engine status
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Pass
1.27% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Watch
Peak-to-trough -44.9%. Ask whether you can hold through a similar fall.
Vs category
Pass
73% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
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
Pass
Top 10 holdings ≈ 40.3% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Review does not mean stop the SIP tomorrow - compare peers first. Stopping on a red label often locks in the worst path.
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-8.6%
- 3Y+10.0%
- 5Y+9.4%
- 10Y+10.6%
- SI+10.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-8.2%
- 3Y+0.2%
- 5Y+8.2%
- 10Y+11.0%
- Since inception
- +10.0%
- Calendar-day CAGR
- Excess 1Y
- -6.5%
- Category median, same plan and option
- 3Y win rate
- +73%
- Windows beating the median
- 3Y percentile
- 63
- Vs comparable share classes
- SIP 3Y XIRR
- +0.2%
- Simulated monthly SIP
- Worst rolling 3Y
- -10.7%
- 2145 daily-ending windows
- Median rolling 3Y
- +13.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +98%
- 1655 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -44.9%
- Worst peak-to-trough
- Current
- -10.8%
- Below last peak
- Current spell
- 762 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 118 recovered episodes
- Longest recovery
- 294 days
- Trough to prior peak
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
63
Vs category
9
Consistency
62
Risk-adjusted
41
Drawdown
0
Mean
35
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Review
Buying stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
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.
- Three-year return is above the category median.
Portfolio
30 Sept 2026 · 73 holdings · top 10 are 40.3%.
- Top 5
- 26.6%
- Top 10
- 40.3%
- Largest holding
- 7.7%
- Effective holdings
- 37.9
HDFC Bank Ltd
Financial
7.7%
ICICI Bank Ltd
Financial
6.9%
Axis Bank Ltd
Financial
4.2%
Reliance Industries Ltd
Energy & Utilities
4.1%
Infosys Ltd
Technology
3.7%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
ICICI Prudential Mutual Fund
- 1Y
- -2.1%
- 3Y
- +16.7%
- Vol
- 13.8%
- Max DD
- -28.7%
- Sharpe
- 0.68
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Tata Retirement Savings Fund-Moderate Plan
Tata Mutual Fund
- 1Y
- -1.0%
- 3Y
- +11.4%
- Vol
- 12.9%
- Max DD
- -29.6%
- Sharpe
- 0.68
- 3Y win
- +97%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Tata Retirement Savings Fund-Progressive Plan
Tata Mutual Fund
- 1Y
- -1.5%
- 3Y
- +11.9%
- Vol
- 15.3%
- Max DD
- -34.2%
- Sharpe
- 0.60
- 3Y win
- +97%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.4%
- 3Y
- +16.2%
- Vol
- 15.7%
- Max DD
- -34.2%
- Sharpe
- 0.46
- 3Y win
- +94%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Union Retirement Fund
Union Mutual Fund
- 1Y
- -1.9%
- 3Y
- +12.4%
- Vol
- 13.2%
- Max DD
- -17.8%
- Sharpe
- 0.65
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER