Nippon India Retirement Fund Wealth Creation Scheme Direct Growth

Equity
Flexi Cap
Very High Risk
5Y Lock In
14.69%
3Y annualised
+0.86% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 14 Jan 2025₹30.61
Min. SIP amount₹500
Rating3
Fund size₹3,501.17Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Returns and rankings

Category: Equity Flexi Cap
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns14.1%14.7%15.9%11.9%
Category average12.0%11.8%16.2%NA
Rank with in category301834NA
Understand terms

Peer Comparison

Equity, Flexi Cap fundsRating1Y3YFund Size(Cr)
5
24.2%22.8%4,531.48
4
18.8%21.1%66,225.06
4
14.6%15.6%18,251.58
5
19.3%15.6%82,441.08
4
9.0%11.7%2,354.86

Holdings (67)

NameSectorInstrumentAssets
FinancialEquity7.80%
FinancialEquity6.47%
TechnologyEquity4.72%
EnergyEquity3.70%
TechnologyEquity3.61%
FinancialEquity3.08%
ConstructionEquity3.07%
FinancialEquity3.02%
CommunicationEquity2.54%
AutomobileEquity2.38%
EnergyEquity2.23%
FinancialEquity2.08%
Capital GoodsEquity2.02%
ServicesEquity1.95%
AutomobileEquity1.90%
FinancialEquity1.88%
Consumer StaplesEquity1.77%
Consumer DiscretionaryEquity1.77%
ServicesEquity1.60%
Capital GoodsEquity1.58%
ConstructionEquity1.53%
TechnologyEquity1.52%
Capital GoodsEquity1.50%
FinancialEquity1.46%
Capital GoodsEquity1.45%
Capital GoodsEquity1.43%
InsuranceEquity1.36%
Consumer StaplesEquity1.36%
ConstructionEquity1.32%
TechnologyEquity1.27%
Consumer DiscretionaryEquity1.24%
EnergyEquity1.14%
ServicesEquity1.11%
Metals & MiningEquity1.10%
HealthcareEquity1.08%
EnergyEquity1.05%
Metals & MiningEquity1.01%
AutomobileEquity0.99%
TechnologyEquity0.99%
Capital GoodsEquity0.93%
Capital GoodsEquity0.88%
HealthcareEquity0.87%
InsuranceEquity0.85%
Consumer DiscretionaryEquity0.84%
HealthcareEquity0.81%
ServicesEquity0.79%
FinancialEquity0.77%
FinancialEquity0.76%
HealthcareEquity0.75%
TextilesEquity0.70%
HealthcareEquity0.67%
EnergyEquity0.64%
Metals & MiningEquity0.61%
HealthcareEquity0.60%
Capital GoodsEquity0.60%
Capital GoodsEquity0.55%
Consumer StaplesEquity0.50%
OthersEquity0.50%
HealthcareEquity0.47%
Metals & MiningEquity0.40%
Consumer StaplesEquity0.36%
Capital GoodsEquity0.35%
AutomobileEquity0.33%
CommunicationEquity0.31%
ConstructionEquity0.26%
Consumer StaplesEquity0.09%
FinancialAdditional Tier 1 Bo0.00%
See All

Pros and cons

Category: Equity Flexi Cap

Pros

Exit load is zero
Lower expense ratio: 1%
Consistently higher annualised returns than category average for the past 1Y and 3Y
Higher alpha: 2.65 The fund has generated returns higher than benchmark - BSE 500 Total Return Index - in the last 3Y

Cons

5Y annualised returns lower than category average by 0.35%
Lock-in period: 5Y

Expense ratio, exit load and tax

Expense ratio: 1.00%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed at 20%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 12.5% on returns of Rs 1.25 lakh+ in a financial year.

Understand terms
Check past data

Minimum investment amounts

Min. for 1st investment₹500
Min. for 2nd investment onwards₹500
Min. for SIP₹500

Fund management

Pranay Sinha
Mar 2021 - Present
View details

Kinjal Desai
May 2018 - Present
View details

Education
Ms. Desai has done B.A (Economics), MSc. (Economics) and has cleared CFA Level 1
Experience
She has been working with Nippon India Mutual Fund since year, 2012
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
4th Floor, Tower A, Peninsula Business Park,Ganapatrao Kadam Marg, Lower Parel (W), Mumbai 400013
Phone
NA
Launch Date
30 Jun 1995
E-mail
NA
Website
Nippon India Mutual Fund
Asset Management Company
Custodian
Deutsche Bank
Registrar & Transfer Agent
KFin Tech
Address
Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,

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