Retirement · Solution Oriented

Nippon India Retirement Fund - Wealth Creation Scheme

Nippon Life India Asset Management Limited

Benchmark

BSE 500 TRI

Riskometer

Very High

Size

₹2,928 cr

Allotted

11 Feb 2015

Holdings as of

30 Sep 2026

Nippon India Retirement Fund - Wealth Creation Scheme is a retirement fund of Nippon Life India Asset Management Limited with ₹2,928 cr under management. It is ahead of its benchmark (BSE 500 TRI) in 2 of 4 periods. Its direct plan charges 1.26% a year.

Has Nippon India Retirement Fund - Wealth Creation Scheme beaten its benchmark?

Ahead of its benchmark, BSE 500 TRI, in 2 of 4 periods in AMFI's figures; −5.25% over the last year against −4.65%.

Period returns

Direct Plan, growth · 3y and longer a year

Period	Fund	Nifty 500 TRI	Ahead
1 month	−3.44%	−3.60%	—
3 months	−5.37%	−5.03%	—
6 months	−2.83%	−1.83%	—
1 year	−4.87%	−4.06%	−0.81 pts
3 years	+9.17%	+9.27%	−0.10 pts
5 years	+8.89%	+8.00%	+0.89 pts
10 years	+10.86%	+12.69%	−1.83 pts
Since start from 13 Feb 2015	+10.14%	—	—

Valarth price history to 14 Oct 2026 · the index is the one the fund is nearest; — not on record

Official figures

AMFI performance feed, 13 Oct 2026

Ahead of its benchmark (BSE 500 TRI) in 2 of 4 periods.

Period	Direct	Regular	Benchmark	Ahead	Rank
1y	−5.25%	−6.13%	−4.65%	−0.60	🔒
3y	+9.18%	+8.15%	+8.97%	+0.21	🔒
5y	+9.05%	+8.00%	+8.06%	+0.99	🔒
10y	+10.90%	+9.76%	+12.74%	−1.84	🔒

Ahead in points a year · its rank among Retirement funds, and how steady the lead is, in the app

Value of 100, month-end

Oct 2016 to 14 Oct 2026

Fund 278Nifty 500 TRI 327

₹100 put in at the start of Oct 2016 would be ₹278 on 14 Oct 2026, against ₹327 in the Nifty 500 TRI.

Risk, falls and every year

🔒 Pro

Its worst fall and how long it took to recover, three-year stretches, Sharpe, beta and capture ratios, calendar years beside the index, and money in and out: in the app.

See them in the app →

What does Nippon India Retirement Fund - Wealth Creation Scheme cost?

1.26% a year on the direct plan, 2.23% on the regular plan; 20 of 29 funds in its category charge less.

Direct plan

1.26% a year

Category median 1.16%

Regular plan

2.23% a year

Category median 2.16%

Gap

0.97 points

for the same holdings

20 of 29 funds in its category charge less on the direct plan.

Expense report, Oct 2026 · Solution Oriented Scheme - Retirement Fund

What the regular plan costs you over time

🔒 Pro

The same money left for years in the direct and the regular plan, side by side, and what the commission takes: in the app.

Who manages Nippon India Retirement Fund - Wealth Creation Scheme?

Ritesh Rathod, since None; Pranay Sinha, since None.

Ritesh Rathod

None years

since None

Pranay Sinha

None years

since None

Benchmark as filedBSE 500 TRI

Exit load

NIL

From 8 Scheme Summary Documents filed with NSE, first on 7 May 2026; as on 8 Oct 2026

What does Nippon India Retirement Fund - Wealth Creation Scheme hold?

74 holdings as of 30 Sep 2026; the ten largest are 40.3% of the fund, the largest HDFC Bank Limited at 7.7%.

Mix

Holdings as of 30 Sep 2026

Equity99.0%Debt0.0%Cash1.1%Other0.0%

Holdings

71 shares

Top ten

40.3%

of the fund

Effective holdings

37.3

spread, as if equal-weighted

Matched to our table

100%

of the equity

Five largest

% of fund

HDFC Bank Limited7.72%

ICICI Bank Limited6.89%

Axis Bank Limited4.17%

Reliance Industries Limited4.14%

Infosys Limited3.72%

Five largest industries

% of fund

Banks22.2%

Power6.80%

Pharmaceuticals & Biotechnology5.50%

Finance5.50%

Retailing5.30%

By company size

% of equity · SEBI size lists

Large Cap62.2%Mid Cap26.3%Small Cap11.5%

How does Nippon India Retirement Fund - Wealth Creation Scheme score against its category?

Seven scores against funds of its kind, and the warning signs it trips.

Scorecard

🔒 Pro

Seven scores, each out of 5, against funds in its category, with the reasons, and the warning signs it trips: in the app.

Open scorecard in the app →

Are the companies inside any good?

The holdings by valuation, forensic risk, business quality and balance sheet, weighted by their share of the fund.

The companies inside

🔒 Pro

The holdings weighted by their share of the fund: P/E and ROE, forensic risk levels, Valarth's valuation view, quality, moats, balance sheets and who owns them: in the app.

How is Nippon India Retirement Fund - Wealth Creation Scheme run?

Turnover, what it bought and sold, its cash and its record in new listings, from its monthly holdings files.

How it is run

🔒 Pro

Turnover, what it bought and sold and when, how long it holds, size drift, cash and its record in new listings, from up to two years of monthly holdings files: in the app.

Which funds hold much the same?

The index it is nearest and the funds whose holdings overlap most.

not an index tracker

Nearest to the Nifty 50: 61% of it differs from the index (an active fund is usually above 60%).

Active share 60.9%60%

Funds that hold much the same

% of holdings in common

Nippon India Balanced Advantage Fund51.6% the same

35 shared holdings

CANARA ROBECO LARGE CAP FUND50.2% the same

27 shared holdings

Nippon India ELSS Tax Saver Fund49.0% the same

30 shared holdings

How much is in its sponsor's own group?

Holdings in companies of the fund house's sponsor group, beside the index.

Related-party exposure

🔒 Pro

How much of the fund is in companies of its sponsor's own group, beside what the index holds of them: in the app.

Questions people ask

Who manages Nippon India Retirement Fund - Wealth Creation Scheme?

Ritesh Rathod (manager) since None; Pranay Sinha (manager) since None.

What is the expense ratio of Nippon India Retirement Fund - Wealth Creation Scheme?

1.26% a year on the direct plan and 2.23% on the regular plan (expense report, Oct 2026).

How has Nippon India Retirement Fund - Wealth Creation Scheme done?

Its direct plan returned +9.18% a year over 3 years against +8.97% for its benchmark, BSE 500 TRI, as of 13 Oct 2026.