Nippon India Retirement Fund - Wealth Creation Scheme - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Retirement Fund

Fund House : Nippon India Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 17.5482 0.9%
(as on 25th January, 2022)

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Crisil Rank

Not Ranked

Rank not available for the fund

Fund Size

: ₹ 2368.41 Cr

(14.4% of Investment in Category)

Expense Ratio

: 2.05%

(2.19% Category average)

Risk-O-Meter

Very High

Retirement Fund :Retirement Fund : Fund has 98.75% investment in indian stocks of which 58.63% is in large cap stocks, 11.96% is in mid cap stocks, 13.91% in small cap stocks.

1M
3M
6M
1Y
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5Y
ALL

This Scheme

VS

S&P BSE 500 TRI

1.24%

-3.17%

8.69%

27.73%

22.8%

16.43%

15.75%
NA
0.29%

-1.07%

4.97%

14.26%

12.98%

10.92%

12.82%

NA
Gold

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ALL

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 25th January, 2022)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	18-Jan-22	9501.30	-4.99%	-	-2.37%	26/28
1 Month	24-Dec-21	10042.90	0.43%	-	0.29%	12/28
3 Month	25-Oct-21	9618.60	-3.81%	-	-1.07%	25/28
6 Month	23-Jul-21	10860.10	8.60%	-	4.97%	5/28
YTD	31-Dec-21	9830.30	-1.70%	-	-0.92%	23/28
1 Year	25-Jan-21	12776.50	27.76%	27.76%	14.26%	3/24
2 Year	24-Jan-20	12850.70	28.51%	13.32%	12.98%	12/24
3 Year	25-Jan-19	14159.00	41.59%	12.28%	12.94%	8/13
5 Year	25-Jan-17	16470.70	64.71%	10.49%	10.92%	8/13
Since Inception	11-Feb-15	17548.20	75.48%	8.42%	12.82%	25/30

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 25th January, 2022)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	25-Jan-21	12000	13278.63	10.66 %	20.21 %
2 Year	24-Jan-20	24000	32622.93	35.93 %	32.55 %
3 Year	25-Jan-19	36000	48806.3	35.57 %	20.75 %
5 Year	25-Jan-17	60000	82003.81	36.67 %	12.43 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.|If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Portfolio (Updated on 31st Dec,2021)

Portfolio Turnover Ratio : 70.00% | Category average turnover ratio is 54.70%

Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)

Equity Holding : 98.75% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.75%

No of Stocks : 57 (Category Avg - 38.04) | Large Cap Investments : 58.63%| Mid Cap Investments : 11.96% | Small Cap Investments : 13.91% | Other : 14.25%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Banks	1442.4	6.09%	-0.19%	6.75% (Jan 2021)	5.59% (Jul 2021)	9.75 L	0.00
Reliance Industries Ltd.	Refineries/marketing	1349.9	5.70%	0.20%	6.46% (Jan 2021)	5.32% (Sep 2021)	5.70 L	40.00 k
ICICI Bank Ltd.	Banks	1295.3	5.47%	0.08%	5.73% (Oct 2021)	4.66% (Mar 2021)	17.50 L	0.00
Larsen & Toubro Ltd.	Engineering, designing, construction	1090.1	4.60%	0.22%	4.6% (Dec 2021)	3.22% (Jan 2021)	5.75 L	0.00
Infosys Ltd.	Computers - software	1085.5	4.58%	0.07%	6.15% (Jun 2021)	4.38% (Oct 2021)	5.75 L	-0.35 L
Tata Consultancy Services Ltd.	Computers - software	972	4.10%	0.14%	4.29% (Jun 2021)	3.49% (Feb 2021)	2.60 L	0.00
Housing Development Finance Corporation Ltd.	Housing finance	814.7	3.44%	-0.31%	4.32% (Mar 2021)	3.44% (Dec 2021)	3.15 L	-0.10 L
State Bank Of India	Banks	667.7	2.82%	-0.06%	2.88% (Nov 2021)	1.47% (Apr 2021)	14.50 L	0.00
Hindustan Unilever Ltd.	Diversified	637.2	2.69%	-0.01%	3.14% (Aug 2021)	2.28% (May 2021)	2.70 L	0.00
Axis Bank Ltd.	Banks	508.9	2.15%	0.03%	2.6% (Jan 2021)	2.12% (Nov 2021)	7.50 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.34%
Margin	Margin	0.00%
Net Receivables	Net Receivables	-0.09%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st December, 2021)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

21.16vs7.88

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1vs0.48

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.46vs0.58

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.1vs0.25

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-6.43vs-0.23

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Retirement Fund - Pure Equity Plan - Regular Plan - Growth	NA	144.91	2.26	7.05	21.44	40.31	0.00
HDFC Retirement Savings Fund - Equity Plan - Regular Plan- Growth	NA	2028.91	0.42	-1.83	5.09	37.41	21.20
HDFC Retirement Savings Fund - Hybrid- Equity Plan - Regular Plan- Growth	NA	779.15	0.24	-1.57	3.12	21.90	15.98
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Regular Plan - Growth	NA	139.58	0.07	-1.12	9.28	21.45	0.00
Axis Retirement Savings Fund - Dynamic Plan - Regular Plan - Growth	NA	299.24	-0.22	-2.41	5.76	18.59	0.00
Tata Retirement Savings Fund - Regular Plan - Progressive Plan - Growth	NA	1243.68	-1.36	-5.28	3.75	17.70	16.15
UTI Retirement Benefit Pension Fund	NA	3592.26	0.82	-1.37	5.31	16.65	9.98
Tata Retirement Savings Fund - Regular Plan - Moderate Plan - Growth	NA	1628.91	-0.84	-3.92	4.65	16.29	14.59
Axis Retirement Savings Fund - Aggressive Plan - Regular Plan - Growth	NA	665.58	-1.43	-4.65	1.47	13.19	0.00
Aditya Birla Sun Life Retirement Fund - The 30s Plan - Growth	NA	236.19	0.56	-3.08	1.64	10.99	0.00

Detailed Comparison

More Funds from Nippon India Mutual Fund

Out of 131 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 9 is/are ranked 4 * , 9 is/are ranked 3 * , 6 is/are ranked 2 * , 5 is/are ranked 1 * , and 100 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Liquid Fund - Growth	3	23456.37	0.29	0.87	1.65	3.28	4.62
Nippon India Floating Rate Fund - Growth	3	18946.57	0.35	0.74	1.77	4.38	7.81
Nippon India Small Cap Fund - Growth	4	18831.70	1.82	7.20	11.83	69.23	30.97
CPSE ETF	NA	15977.92	9.72	3.34	23.12	59.36	11.16
CPSE ETF	NA	15977.92	9.87	3.45	23.60	60.15	11.67
Nippon India Tax Saver Fund - Growth	1	12023.75	2.66	-3.22	10.35	34.73	13.80
Nippon India Growth Fund - Growth	4	11906.10	1.23	-1.43	8.37	39.88	24.68
Nippon India Arbitrage Fund - Growth	3	11596.34	0.31	1.03	1.79	4.04	4.73
Nippon India Multicap Fund - Growth	2	11043.80	2.72	-0.24	14.50	47.45	16.67
Nippon India Large Cap Fund - Growth	3	11016.77	2.72	-3.49	11.56	29.82	15.28