Nippon India Retirement Fund Wealth Creation Scheme
Direct · Growth ₹31.21
03 Nov 2026
NAV
12.8%
3Y CAGR
12.1%
5Y CAGR
12.2%
10Y CAGR
12.2%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
7.90
Sharpe
-44.9%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
1.02%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.51 L | 14.0% | -67.5% | 83.9% |
| 3 Years | ₹36.00 L | ₹44.55 L | 13.0% | -30.3% | 33.7% |
| 5 Years | ₹60.00 L | ₹82.30 L | 13.1% | -14.6% | 28.3% |
| 7 Years | ₹84.00 L | ₹1.40 Cr | 14.5% | 7.2% | 21.4% |
| 10 Years | ₹1.20 Cr | ₹2.43 Cr | 13.5% | 10.6% | 15.8% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 14.0% | 14.3% | 6.8% | -0.3% |
| 3 Years | 13.0% | 11.0% | 12.9% | +2.0% |
| 5 Years | 13.1% | 10.4% | 13.3% | +2.7% |
| 7 Years | 14.5% | 10.6% | 15.2% | +3.9% |
| 10 Years | 13.5% | 11.4% | 12.3% | +2.1% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 13.2% | 7.7% | -40.9% | 89.0% | 0.33 | 0.77 | 76% | — | — |
| 3 Years | 12.8% | 13.0% | -10.7% | 31.3% | 0.78 | 1.82 | 91% | — | — |
| 5 Years | 12.1% | 11.6% | -3.5% | 29.2% | 0.91 | 3.50 | 98% | — | — |
| 10 Years | 12.2% | 12.2% | 10.3% | 14.3% | 7.90 | — | 100% | — | — |
-44.9%
Max Drawdown
26 mo
Drawdown Duration
10 mo
Recovery Time
-6.5%
Avg Drawdown
Calmar Ratio by Duration
0.29
1Y
0.28
3Y
0.27
5Y
0.26
7Y
0.27
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +1.98 | 1.02 | 101.0% | 98.2% | -7.3% | -9.0% |
| 3 Years | +3.17 | 1.03 | 102.0% | 98.0% | 10.2% | 7.0% |
| 5 Years | +3.65 | 0.99 | 99.2% | 94.5% | 9.2% | 5.5% |
| 7 Years | +1.73 | 0.96 | 96.1% | 94.0% | 11.7% | 10.1% |
| 10 Years | +0.35 | 0.97 | 97.2% | 96.5% | 10.9% | 10.7% |
| 12 Years | +1.37 | 0.97 | 97.3% | 95.4% | 9.8% | 8.5% |
| 15 Years | +1.04 | 0.97 | 97.3% | 95.4% | 7.8% | 6.7% |