Fundalysisby DARKHORSESTOCKS

Scheme

Nippon India Retirement Fund Wealth Creation Scheme

Holds 71 companies worth ₹2,906 Cr in Sept 2026.

  • Fund house

    NipponThe fund house that runs this scheme.

  • AUM

    ₹2,939 CrNippon India Retirement Fund Wealth Creation Scheme's AUM at the end of 30 Sept 2026, as AMFI reports it. Down 6.0% on Aug 2026, ₹3,127 Cr.

  • Largest holding

    HDFC BankHDFC Bank is 7.7% of this scheme's NAV.

  • Fund manager

    Pranay SinhaRuns it since 1 Mar 2021, as the fund house dates it. With Ritesh Rathod (fund manager).

Overview(8 Oct 2026)

Fund managers2

  1. Pranay SinhaFund manager · Mar 2021 · 20y · PGDM B.Tech
  2. Ritesh RathodFund manager · Jan 2026 · 20y · CFA FRM MBA
  1. Ashutosh BhargavaApr 2024 – Jan 2026

Key facts

Benchmark
BSE 500 TRI
Risk
Moderately High
Expense
Regular 2.23% · Direct 1.26%
Exit load
Nil
Started
11 Feb 2015
Minimum
₹500

Source.Its Scheme Summary Document as of 8 Oct 2026 at AMFI.

What changed(20 changes)

Oct 2026

1 change
  1. Expense ratio
    8 OctRegular 2.25% → 2.23%Direct 1.28% → 1.26%

Aug 2026

2 changes

Jul 2026

1 change
  1. Expense ratio
    9 JulRegular 2.63% → 2.21%Direct 1.73% → 1.3%

Source.Its filings at NSE, since Aug 2024.

Fund managers over time(Mar 2021 – now)

  1. Pranay Sinha
  2. Ritesh Rathod
  3. Ashutosh Bhargava
MainCoSlice20222023202420252026
Fig. 1.Who ran it when: each manager from the date the fund house gives, or the first document listing them where it gives none, to when they left. A slice is part of it: overseas, gold and silver, or arbitrage.

Costs(Aug 2024 – Oct 2026)

Every change to the expense ratio, newest first.
19 changesRegularDirectΔ pt
8 Oct 20262.23%1.26%0.02
23 Aug 20262.25%1.28%0.01
9 Aug 20262.26%1.29%0.01
9 Jul 20262.21%1.30%0.43
9 Jun 20262.63%1.73%0.48
14 May 20263.12%2.21%1.01
7 May 20262.11%1.20%0.82
9 Apr 20262.92%2.02%1.01
19 Mar 20261.96%1.01%0.01
9 Mar 20261.95%1.00%0.02
10 Jun 20251.93%0.98%0.01
10 May 20251.94%0.99%0.01
10 Apr 20251.95%1.00%0.03
10 Feb 20251.95%1.03%0.01
10 Jan 20251.94%1.02%0.04
11 Nov 20241.92%0.98%0.03
10 Oct 20241.91%0.95%0.01
20 Sept 20241.90%0.94%0.01
20 Aug 20241.91%0.95%–
Direct plan, 8 Oct 2026
1.26%
Regular plan 2.23% · Exit load nil
Fig. 1.Total expense ratio a year, each plan's, as its Scheme Summary Documents state it, filing by filing at NSE. A change holds until the next.

Objective and risk(8 Oct 2026)

Objective

The investment objective of the scheme is 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. However, there can be no assurance or guarantee that the investment objective of the Scheme will be achieved.

Risk, type and benchmark

Riskometer
Moderately High
At launch
Moderately High
Type
Open
Benchmark
BSE 500 TRI

Asset allocation it may hold% of NAV

  1. Diversified Equity and equity related securities –
    Allowed65–100%Holds98.9%
  2. Debt and Money market securities
    Allowed0–35%Holds1.1%

Holds in Sept 2026.98.9% equity · 1.1% debt and cash

How to invest(8 Oct 2026)

Buying

To start
₹500, then in multiples of ₹500
To add
₹500, then in multiples of ₹500
Most
Any
Systematic
SIP - Monthly, Quarterly, Yearly SWP - Monthly / Quarterly / Half yearly / Yearly STP - Daily/ Weekly/ Fortnightly/ Monthly / Quarterly
Dates
SIP - 1st to 31st of a month SWP - 1st, 8th, 15th, 22nd transaction day (if holiday, then next working day) STP - 1st to 28th of a month
Minimum
SIP - Rs.500/- per month (minimum 12 months) Rs.1500/- per quarter (minimum 4 quarters) Rs. 5000/- per year (minimum 2 years) SWP - 500 STP - Daily- Minimum of Rs. 100 Weekly / Fortnight / Monthly option - Rs. 1000 Quarterly - Rs. 3000 Capital Appreciation Monthly/ Quarterly - Rs. 500, then sIP - 500 SWP - 1 STP - 1
Instalments
SIP - 12 months for Rs. 500 per month 4 quarters for Rs. 1500 per quarter 2 years for Rs. 5000 per Year SWP - 2 STP - 2
Most
SIP - Any SWP - Any STP - Any

Selling and switching

To redeem
₹100 or Any units
Switch minimum
₹500 or Any units
Switch multiples
₹500 or Any units
Switch most
Any or Any units

Scheme details(8 Oct 2026)

What it is

Category
Solution Oriented: Retirement Fund
Offer
22 Jan 2015 to 5 Feb 2015
Started
11 Feb 2015
Reopened
11 Feb 2015
Plans
Direct Bonus Planbonus · Direct IDCW Plan Payout · Direct Growth Plan Growth · Bonus Planbonus · IDCW Plan Payout · Growth Plan Growth
Face value
₹10
Listed
No

How it is run

Swing pricing
No
Side-pocketing
No
Custodian
Deutsche Bank
Auditor
Walker Chandiok & Co LLP
Registrar
KFin Technologies Limited
SEBI code
NIMF/O/S/RET/14/07/0052