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MF Analyser

Nippon India Retirement Fund- Wealth Creation Scheme

Regular Plan · IDCW Option · Retirement Funds · Scheme code 133567

NAV₹18.7517as on 25 Sep 2026
Fund houseNippon India Mutual Fund
CategoryRetirement Funds
Plan & optionRegular · IDCW Option
History11.6 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme -3.04-0.726.32 -11.370.453.36 6.505.745.61
Nifty 100
benchmark		 0.253.49-1.52 1.8410.529.38 ——12.79
Retirement Funds
category median		 ——— 1.977.527.27 —9.08—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 26.0% -0.23 -0.36 1.15 -7.56% -53.6% 87.70
Nifty 100
benchmark		 17.1%0.23 0.32—— -37.0%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 82 months this scheme and its benchmark share.

Growth of ₹100 since launch

61123185247201620182020202220242026MF Analyser

Drawdown from peak (%)

0%-20%-40%-60%201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
522 -45.8% 4.9% 76.5% 39%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

How it behaves against its benchmark

Up captureDown captureCorrelation Tracking errorInformation ratioTreynor
99% 132% 0.94 8.0% -0.84 -0.64

Up capture is how much of the benchmark's gain this scheme kept in the months the benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it on the up side is the combination every fund is trying for and few reach. Measured over the 82 months this scheme and Nifty 100 share.

MF Analyser

Nippon India Retirement Fund- Wealth Creation Scheme

Regular Plan · IDCW Option

Allocation

By asset

Equity99.48%
Cash & Equivalents0.52%

By market cap

Large Cap64.15%
Mid Cap23.23%
Small Cap11.08%
Unclassified1.02%

Concentration

Number of stocks71
Top 5 stocks27.13%
Top 10 stocks40.85%
Top 20 stocks58.67%
Lines in the filing74
Largest holding7.53%
Largest sectorICRA D —
Effective stocks36.8
Sectors held32
Cash0.52%

Effective stocks is what the concentration works out to: a fund holding 71 names but most of its money in a few behaves like a fund of 37. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

Banks — 22.3%IT - Software — 5.8%Pharmaceuticals & Biotechnology — 5.6%Finance — 5.6%Power — 5.4%Retailing — 5.0%Automobiles — 4.4%Petroleum Products — 4.2%Beverages — 3.3%Other — 38.4%Banks22.3%IT - Software5.8%Pharmaceuticals & Biotech…5.6%Finance5.6%Power5.4%Retailing5.0%Automobiles4.4%Petroleum Products4.2%Beverages3.3%Other38.4%
Banks22.26%
IT - Software5.82%
Pharmaceuticals & Biotechnology5.64%
Finance5.56%
Power5.41%
Retailing5.01%
Automobiles4.39%
Petroleum Products4.19%
Beverages3.32%
Consumer Durables3.23%
Aerospace & Defense2.92%
Construction2.81%
Telecom - Services2.57%
Auto Components2.29%
Capital Markets2.06%
Electrical Equipment1.99%
Non - Ferrous Metals1.99%
Healthcare Services1.93%
Personal Products1.93%
Leisure Services1.85%
MF Analyser

Nippon India Retirement Fund- Wealth Creation Scheme

Regular Plan · IDCW Option · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 ICICI Bank Limited Banks 1,620,000 236 7.53%
2 HDFC Bank Limited Banks 3,200,000 227 7.26%
3 Reliance Industries Limited Petroleum Products 1,025,000 131 4.19%
4 Axis Bank Limited Banks 1,000,000 130 4.16%
5 Infosys Limited IT - Software 1,099,277 125 3.99%
6 Mahindra & Mahindra Limited Automobiles 326,017 107 3.42%
7 State Bank of India Banks 900,000 95 3.05%
8 JSW Energy Limited Power 1,798,211 94 2.99%
9 Alkem Laboratories Limited Pharmaceuticals & Biotechnology 128,483 68 2.19%
10 Hindustan Aeronautics Limited Aerospace & Defense 135,000 65 2.07%
11 HDFC Asset Management Company Limited Capital Markets 246,000 65 2.06%
12 Vedanta Aluminium Metal Limited Non - Ferrous Metals 1,430,000 62 1.99%
13 Larsen & Toubro Limited Construction 150,000 61 1.94%
14 Eternal Limited Retailing 1,700,000 56 1.78%
15 JSW Infrastructure Ltd Transport Infrastructure 1,628,070 55 1.77%
16 Info Edge (India) Limited Retailing 404,720 53 1.70%
17 InterGlobe Aviation Limited Transport Services 100,000 52 1.67%
18 Varun Beverages Limited Beverages 1,300,000 52 1.66%
19 Cholamandalam Investment and Finance Company Ltd Finance 274,825 51 1.63%
20 Indus Towers Limited Telecom - Services 1,305,037 51 1.62%
21 Swiggy Limited Retailing 1,700,000 48 1.53%
22 Godrej Consumer Products Limited Personal Products 510,393 46 1.47%
23 Tech Mahindra Limited IT - Software 280,000 46 1.46%
24 Max Financial Services Limited Insurance 275,377 43 1.39%
25 Gland Pharma Limited Pharmaceuticals & Biotechnology 150,000 43 1.38%
26 Bajaj Finance Limited Finance 400,000 42 1.35%
27 Ambuja Cements Limited Cement & Cement Products 1,037,977 42 1.33%
28 United Spirits Limited Beverages 275,000 41 1.31%
29 Nestle India Limited Food Products 267,031 40 1.28%
30 NTPC Green Energy Limited Power 4,480,856 40 1.28%
MF Analyser

Nippon India Retirement Fund- Wealth Creation Scheme

Regular Plan · IDCW Option · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

BoughtSoldNew positionsSold out ofPrice move of holdings
₹87 cr ₹78 cr 6 5 +2.43%
StockShares tradedShares PriceValue
₹ cr
New position
TD Power Systems Limited 205,749 entered — 23.3
Piramal Pharma Limited 987,514 entered — 19.3
Mankind Pharma Limited 76,526 entered — 18.9
TBO Tek Limited 120,000 entered — 18.4
Indegene Limited 251,590 entered — 13.0
ICICI Prudential Life Insurance Company Limited 224,018 entered — 11.6
Added to
Mahindra & Mahindra Limited 92,000 +39.3% +10.7% 31.3
Vedanta Aluminium Metal Limited 380,000 +36.2% +1.3% 17.3
Gland Pharma Limited 60,000 +66.7% +0.3% 15.0
Swiggy Limited 500,000 +41.7% +19.0% 14.2
Ambuja Cements Limited 157,278 +17.9% +2.5% 6.8
Bharti Hexacom Limited 8,581 +4.7% +8.4% 1.4
Power Finance Corporation Limited 27,027 +3.9% +0.0% 1.2
Trimmed
ICICI Bank Limited 150,000 -8.5% +4.4% 21.5
Titan Company Limited 39,000 -37.1% +10.7% 19.0
L&T Finance Limited 599,880 -54.5% +0.2% 18.7
Dixon Technologies (India) Limited 13,248 -60.2% +17.9% 18.6
Sold out of
SBI Life Insurance Company Limited 175,000 exited — 30.9
Bharat Petroleum Corporation Limited 1,000,000 exited — 30.4
JSW Steel Limited 200,000 exited — 24.5
NTPC Limited 500,000 exited — 17.8
Schneider Electric Infrastructure Limited 20,000 exited — 2.7
Not equityPrevious filingThis filingChange
Cash, repo and TREPS ₹0 cr ₹0 cr +₹0 cr

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹622,139 ₹22,139 1.43%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 26 Sep 2026.