Nippon India Retirement Fund Wealth Creation Scheme
Direct · Growth ₹32.83
06 Jul 2026
NAV
12.8%
3Y CAGR
12.2%
5Y CAGR
12.3%
10Y CAGR
12.3%
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.
9.35
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.
NA
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 | ₹12.53 L | 14.3% | -67.5% | 83.9% |
| 3 Years | ₹36.00 L | ₹44.70 L | 13.3% | -30.3% | 33.7% |
| 5 Years | ₹60.00 L | ₹82.82 L | 13.2% | -14.6% | 28.3% |
| 7 Years | ₹84.00 L | ₹1.41 Cr | 14.5% | 7.2% | 21.4% |
| 10 Years | ₹1.20 Cr | ₹2.47 Cr | 13.7% | 11.0% | 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 | 14.3% | 14.5% | 11.7% | -0.1% |
| 3 Years | 13.3% | 11.2% | 12.7% | +2.1% |
| 5 Years | 13.2% | 10.4% | 12.4% | +2.7% |
| 7 Years | 14.5% | 10.6% | 12.6% | +4.0% |
| 10 Years | 13.7% | 11.5% | 11.6% | +2.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 13.6% | 8.2% | -40.9% | 89.0% | 0.35 | 0.81 | 77% | — | — |
| 3 Years | 12.8% | 13.1% | -10.7% | 31.3% | 0.78 | 1.81 | 90% | — | — |
| 5 Years | 12.2% | 11.7% | -3.5% | 29.2% | 0.90 | 3.46 | 98% | — | — |
| 10 Years | 12.3% | 12.3% | 10.6% | 14.3% | 9.35 | — | 100% | — | — |
-44.9%
Max Drawdown
26 mo
Drawdown Duration
10 mo
Recovery Time
-6.5%
Avg Drawdown
Calmar Ratio by Duration
0.30
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 | +4.12 | 1.04 | 103.8% | 98.4% | 4.1% | 0.2% |
| 3 Years | +5.49 | 1.03 | 104.3% | 97.4% | 14.1% | 8.5% |
| 5 Years | +4.42 | 0.99 | 99.4% | 94.2% | 13.4% | 9.0% |
| 7 Years | +2.19 | 0.97 | 97.0% | 94.7% | 14.5% | 12.5% |
| 10 Years | +0.94 | 0.98 | 97.9% | 96.6% | 12.1% | 11.2% |
| 12 Years | +1.65 | 0.97 | 97.5% | 95.3% | 10.6% | 9.0% |
| 15 Years | +1.26 | 0.97 | 97.5% | 95.3% | 8.4% | 7.1% |