Nippon India Retirement Fund - Wealth Creation Scheme-Growth
The fund is rated 0.5 stars. Balance between returns and downside risk provided some support. Investment selection within each asset type and investment selection within each industry were the main limitations and did not provide enough support for a higher rating. Higher annual fee of 2.23% was a minor drawback.
This fund has a bad track record with Asset Selection/Timing, a bad track record with Stock Selection/Timing, a ok risk-reward ratio. It is important to note, however, that this fund has a 3127.077 AUM and a 2.23 expense ratio. Considering all these factors, we have rated this fund as 0.5 star.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 8 Oct 2026
Risk ratios
As of 30 Sep 2026
Portfolio
As of 31 Aug 2026
Market-cap split
Sector allocation
Holdings (72)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| ICICI Bank Ltd. | 7.53% | ₹235.55 Cr | 16,20,000 |
| HDFC Bank Ltd. | 7.26% | ₹226.88 Cr | 32,00,000 |
| Reliance Industries Ltd. | 4.19% | ₹130.89 Cr | 10,25,000 |
| Axis Bank Ltd. | 4.16% | ₹130 Cr | 10,00,000 |
| Infosys Ltd. | 3.99% | ₹124.64 Cr | 10,99,277 |
| Mahindra & Mahindra Ltd. | 3.42% | ₹107 Cr | 3,26,017 |
| State Bank of India | 3.05% | ₹95.4 Cr | 9,00,000 |
| JSW Energy Ltd. | 2.99% | ₹93.58 Cr | 17,98,211 |
| Alkem Laboratories Ltd. | 2.19% | ₹68.48 Cr | 1,28,483 |
| Hindustan Aeronautics Ltd. | 2.07% | ₹64.82 Cr | 1,35,000 |
Fund details
Long term growth and capital appreciation. Investing primarily in Equity and equity related instruments and balance in fxed income securitiesso as to help the investor in achieving the retirement goals.
The scheme seeks to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities.