Nippon India Retirement Fund- Wealth Creation Scheme - Regular Plan - IDCW Option
Retirement Funds are designed for retirement saving, with a lock-in of 5 years or until retirement age, whichever is earlier.
- Current NAV₹18.4195
- Fund Size (AUM)—
- Expense Ratio—
- 1Y Return-13.15%
- 3Y Return (CAGR)-0.24%
- 5Y Return (CAGR)+1.75%
- Category Rank (3Y)—
- Riskometer—
- Min. SIP / Lump sum—
More figures (11)
- Since Launch (CAGR)+5.33%
- Benchmark—
- Volatility (3Y)42.44 %
- Sharpe Ratio (3Y)-0.16
- Beta (3Y)—
- 52-week High / Low₹21.4457 / ₹11.1201
- Max Drawdown-53.6 %
- Launched13 Feb 2015
- Lock-in—
- Portfolio Turnover—
- Fund Managers—
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 5 years it returned 1.8% a year.
- Volatility over 3 years was 42.4% a year, with a Sharpe ratio of -0.16.
- Its biggest fall from a peak was 53.6% (27 Sep 2024 to 1 Apr 2026).
- Across all 3-year periods since launch, yearly returns ranged from -14.5% to 26.4% and were positive 86% of the time.
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| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | +1.63% | -0.93% | -4.69% | -2.85% | -12.09% | -13.15% | -11.17% | -0.24% | +1.75% | +5.53% | +5.52% | +5.33% |
Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Regular Growth plans in Retirement Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -12.09% | -6.47% | +9.23% | +24.90% | +1.61% | +32.13% | -8.93% | +5.08% | -7.93% | +37.81% | -1.52% |
January to December each year; the current year is to date.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 42.44% | 34.20% |
| Sharpe ratio ? | -0.16 | -0.14 |
| Sortino ratio ? | -0.27 | -0.23 |
| Maximum drawdown | -53.64% | -53.64% |
Rolling 3-year returns (yearly)
Rolling 5-year returns (yearly)
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,12,964 | ₹-7,036 | -10.65% |
| 3Y | ₹3,60,000 | ₹3,26,576 | ₹-33,424 | -6.22% |
| 5Y | ₹6,00,000 | ₹6,03,147 | ₹3,147 | +0.21% |
| 10Y | ₹12,00,000 | ₹15,14,434 | ₹3,14,434 | +4.55% |
A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.
Compare with all Retirement Funds (29)
Sorted by 3-year return; tap a heading to sort. Sorting by past returns is a way to explore data, not a ranking of which fund to choose. 3Y and 5Y are yearly (CAGR).
Scheme details
- Fund house
- Nippon India Mutual Fund
- Category
- Retirement Funds · Solution oriented
- Plan / option
- Regular · IDCW (income distribution)
- AMFI scheme code
- 133567
- ISIN
- INF204KA1C06
- Exit load & portfolio
- See the scheme's KIM and monthly factsheet on the fund house website.
About Retirement Funds
Retirement Funds are designed for retirement saving, with a lock-in of 5 years or until retirement age, whichever is earlier.
Generally used by long-term retirement saving.
Other plans of this scheme
- Nippon India Retirement Fund- Wealth Creation Scheme - Direct Plan - Growth Option
- Nippon India Retirement Fund- Wealth Creation Scheme - Regular Plan - Growth Option
- Nippon India Retirement Fund- Wealth Creation Scheme - Direct Plan - Bonus Option
- Nippon India Retirement Fund- Wealth Creation Scheme - Direct Plan - IDCW Option
- Nippon India Retirement Fund- Wealth Creation Scheme - Regular Plan - Bonus Option
Questions about this scheme
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