Mutual fund · Retirement· NAV-verified
Nippon India Retirement Fund - Wealth Creation Scheme
₹2,939 cr across 71 positions, as filed for 2026-09-30. Returns are the fund's AMFI growth-plan NAV; holdings and behavior come from its filed monthly portfolios.
Returns, against the category
Q2 FY27: −4% over 1 year against the median Retirement fund's +1%.
| Over | Quarter | 1 year | 3 years (ann.) | 5 years (ann.) |
|---|---|---|---|---|
| Nippon India Retirement Fund - Wealth Creation Scheme | −4% | −4% | +9% | +9% |
| Median Retirement fund | −2% | +1% | +7% | +7% |
+31%Q3 FY24+45%Q4 FY24+44%Q1 FY25+42%Q2 FY25+20%Q3 FY25+7%Q4 FY25+3%Q1 FY26−6%Q2 FY26+1%Q3 FY26−5%Q4 FY26−2%Q1 FY27−4%Q2 FY27
What moved the fund, last 12 filed months
Contribution = the fund's filed weight each month × that stock's price move in its own filings, in percentage points of NAV. Corporate-action months are left out.
| Stock | 12 months | Latest month |
|---|---|---|
| Vedanta Limited | +0.9 pp | 0.0 pp |
| Samvardhana Motherson International Limited | +0.9 pp | −0.0 pp |
| State Bank of India | +0.9 pp | −0.3 pp |
| NLC India Limited | +0.5 pp | −0.0 pp |
| Cummins India Limited | +0.5 pp | −0.1 pp |
| Stock | 12 months | Latest month |
|---|---|---|
| HDFC Bank Limited | −2.0 pp | −0.0 pp |
| Infosys Limited | −1.3 pp | −0.5 pp |
| Reliance Industries Limited | −0.5 pp | −0.3 pp |
| Crompton Greaves Consumer Electricals Limited | −0.5 pp | −0.1 pp |
| Kaynes Technology India Limited | −0.4 pp | −0.0 pp |
Holdings, as filed for 2026-09-30
| Holding | Sector | % of fund | Value | Held for | Vs avg cost |
|---|---|---|---|---|---|
| HDFC Bank | Financial Services | 7.72% | ₹227 cr | 140 mo | +11% |
| ICICI Bank | Financial Services | 6.89% | ₹202 cr | 140 mo | +84% |
| Axis Bank | Financial Services | 4.17% | ₹123 cr | 49 mo | +15% |
| Reliance Industries Limited | Oil, Gas & Consumable Fuels | 4.14% | ₹122 cr | 113 mo | +15% |
| Infosys | Information Technology | 3.72% | ₹109 cr | 140 mo | -21% |
| M & M | Automobile and Auto Components | 3.27% | ₹96 cr | 26 mo | -3% |
| JSW Energy | Power | 3.03% | ₹89 cr | 17 mo | -9% |
| State Bank of India | Financial Services | 2.94% | ₹86 cr | 123 mo | +84% |
| Alkem Lab | Healthcare | 2.26% | ₹66 cr | 25 mo | -8% |
| Hindustan Aeronautics Limited | Capital Goods | 2.14% | ₹63 cr | 60 mo | +74% |
| VAML | Metals & Mining | 2.01% | ₹59 cr | 6 mo | -4% |
| HDFC AMC | Financial Services | 1.91% | ₹56 cr | 51 mo | +27% |
| Varun Beverages Limited | Fast Moving Consumer Goods | 1.91% | ₹56 cr | 9 mo | -0% |
| InterGlobe Aviation Limited | Services | 1.70% | ₹50 cr | 26 mo | +7% |
| Info Edge (India) Limited | Consumer Services | 1.68% | ₹49 cr | 9 mo | +13% |
How this fund actually behaves
Computed from every filed monthly portfolio (140 months of filings) by the research pipeline.
| Holding patience | Median months a position is held (25th–75th band) | 15 mo (8–30) |
| Win rate on exits | Closed positions sold above entry, and the payoff ratio (89 exits) | 63% · payoff 1.7× |
| Loser handling | Cuts losers vs averages down, from 12 months of filings | Averages down |
| Entry valuation discipline | Median P/E paid on entries over 36 months; share above 50× | 47× · 42% over 50× |
| Portfolio valuation today | Weighted P/E and P/B of the current book at filed prices (P/E covers 92% of equity) | 122.5× P/E · 6.4× P/B · 5% loss-makers |
| Churn | Stocks entered and exited in 12 months, of 71 positions | 43 in · 43 out |
| Concentration | Top 10 holdings' share; effective number of positions | 40% · ~37 effective |