March 23, 2026
RA Jainee
Nippon India Retirement Fund-Wealth Creation Scheme
| Fund at a Glance | |
| NAV Growth (Rs.) | 29.88 |
| NAV Bonus (Rs.) | 29.88 |
| NAV IDCW (Rs.) | 20.70 |
| Min. Investment (Rs.) | 500 |
| Min. SIP Investment (Rs.) | 500 |
| Min. No of Cheques | 12 |
| Benchmark | BSE 500 TRI |
| AUM Rs. | 3,133 Cr |
| (As on 28-Feb-2026) | |
| Expense | 0.99% |
| 1 Year Return (%) | 1.73 |
| 3 Year Return (%) | 16.55 |
| 5 Year Return (%) | 13.86 |
| 10 Year Return (%) | 12.28 |
| Return Since Launch | 10.36% |
⚖️ Sahifund Review – Nippon India Retirement Fund-Wealth Creation Scheme ✔
PLUS: Stability, track record, cost efficiency
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MINUS: Large AUM, large-cap bias, momentum lag
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Sahifund View (Decisive Line):
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| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.
Suitable For Which Investors?
Flexi-cap funds are suitable for investors:
1. Seeking exposure in a diversified set of stocks for high returns
2. Aiming for long-term wealth creation
3. With a 5+ year investment horizon
4. Who are at ease with the market’s ups and downs
Note:
• Invest only through SIP
• The fund carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier
Fund’s Investment Strategy:
The scheme seeks to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities.
Fund Manager:
1) Pranay Sinha
Education: Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.
Experience: 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).
2) Ritesh Rathod
Education: Mr. Rathod has done CFA, FRM and MBA in Finance
Experience: Prior to joining Nippon India Mutual Fund, he has worked with Alchemy Capital and Mutual Fund
Investment Details
| Min. Investment (Rs.) | 500 |
| Min. Addl Investment (Rs.) | 500 |
| Min. SIP Investment (Rs.) | 500 |
| Min. Withdrawal (Rs.) | 100 |
| Min. No of Cheques | 12 |
| Min. Balance (Rs.) | 1 |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of Nippon India Retirement Fund-Wealth Creation Scheme
| Fund House | Nippon India Mutual Fund |
| Launch Date | 11-Feb-15 |
| Return Since Launch | 10.36% |
| Benchmark | BSE 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets Rs. | 3,133 Cr |
| (As on 28-Feb-2026) | |
| Expense | 0.99% |
| (As on 28-Feb-2026) | |
| Risk Grade | Average |
| Return Grade | Above Average |
| Turnover | 39.00% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Nippon India Retirement Wealth Creation Dir | -8.74 | -3.26 | -8.60 | -8.25 | -9.98 | 1.73 | 16.55 | 13.86 | 11.23 | 12.28 |
| BSE 500 TRI | -11.09 | -3.13 | -8.93 | -10.38 | -9.57 | 2.31 | 14.45 | 12.47 | 13.24 | 14.17 |
| Equity: Flexi Cap | -10.08 | -3.04 | -8.46 | -9.74 | -9.74 | 2.68 | 15.49 | 13.07 | 13.47 | 14.42 |
| Rank within category | 23 | 93 | 49 | 21 | 69 | 63 | 28 | 19 | 36 | 32 |
| Number of funds in category | 115 | 119 | 117 | 114 | 108 | 97 | 74 | 58 | 45 | 36 |
Peer Comparison of Nippon India Retirement Fund-Wealth Creation Scheme
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| Nippon India Retirement Wealth Creation Dir | 3 star | 1.73 | 16.55 | 13.86 | 0.99 | 3,133 | 10.36 | — | 11Y 1M | 39.00 |
| Parag Parikh Flexi Cap Dir | 5 star | 3.47 | 18.37 | 16.86 | 0.63 | 1,34,253 | 18.45 | 2.00 (365) | 12Y 9M | 15.37 |
| HDFC Flexi Cap Dir | 5 star | 4.70 | 19.67 | 19.05 | 0.70 | 1,00,455 | 15.76 | 1.00 (365) | 13Y 2M | 9.45 |
| SBI Focused Dir | 4 star | 10.31 | 18.05 | 14.44 | 0.73 | 43,311 | 15.04 | 0.25 (30) | 13Y 2M | 33.00 |
| HDFC Focused Dir | 5 star | 4.18 | 19.64 | 20.84 | 0.63 | 27,136 | 14.68 | 1.00 (365) | 13Y 2M | 10.36 |
Portfolio Analysis of Nippon India Retirement Fund-Wealth Creation Scheme
| No. of Stocks | 77 |
| Top 10 Stocks | 41.38% |
| Top 5 Stocks | 26.84% |
| Top 3 Sectors | 59.95% |
| Portfolio P/B Ratio | 3.58 |
| Portfolio P/E Ratio | 25.07 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 2,36,791 | 1,80,281 |
| Giant (%) | — | — |
| Large (%) | 73.92 | 62.49 |
| Mid (%) | 16.13 | 21.89 |
| Small (%) | 9.94 | 15.99 |
| Tiny (%) | — | — |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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