{"id":244656,"date":"2026-09-11T16:05:09","date_gmt":"2026-09-11T10:35:09","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/"},"modified":"2026-09-11T16:05:09","modified_gmt":"2026-09-11T10:35:09","slug":"nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/","title":{"rendered":"Nippon India Retirement Fund-Wealth Creation Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/nippon-india-retirement-fund-wealth-creation-g-direct-plan\">Nippon India Retirement Fund-Wealth Creation Direct Growth Plan<\/a> has a NAV of \u20b932.154 as of 10 Sep 2026 and an AUM of \u20b93,127 Cr. Its 1-year, 3-year and 5-year returns are -0.65%, 10.37% and 11.07%, and the scheme sits in the High Risk bucket. Our view is that this is better suited to investors who can stay patient through weaker short-term stretches while looking for a retirement-oriented equity allocation with a long holding period.<\/p>\n<p>The fund has delivered a steadier long-term pattern than its recent one-year outcome suggests, but it has still trailed the benchmark across the measured periods. The portfolio is led by large, well-known names in banking, IT, energy and industrials, so the fund carries meaningful equity-market sensitivity rather than a defensive profile.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Nippon_India_Retirement_Fund-Wealth_Creation\" title=\"Should you BUY or HOLD Nippon India Retirement Fund-Wealth Creation?\">Should you BUY or HOLD Nippon India Retirement Fund-Wealth Creation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/nippon-india-retirement-fund-wealth-creation-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b932.154 as of 10 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b93,127 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.98%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>11 Feb 2015<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Solution Oriented<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Pranay Sinha, Ritesh Rathod, Kinjal Desai, Amber Singhania<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Pranay Sinha, Ritesh Rathod, Kinjal Desai and Amber Singhania.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-3.75%<\/td>\n<td>-4.06%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>4.01%<\/td>\n<td>1.37%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>-0.65%<\/td>\n<td>-7.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>10.37%<\/td>\n<td>6.07%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>11.07%<\/td>\n<td>5.91%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern is mixed but not unstable enough to look directionless. Over one month, both the fund and benchmark were weak, and the fund\u2019s decline was slightly smaller, which suggests it held up a little better in a soft patch. Over three months, the fund recovered more strongly than the benchmark, which indicates better short-term momentum than the index.<\/p>\n<p>The longer view is more important here. The 3-year and 5-year return figures show a clear positive compounding trend, and both periods are ahead of the benchmark. That said, the fund\u2019s 1-year return is still negative, so the latest year does not fully support the stronger medium-term pattern. In practical terms, this means the fund has shown the ability to compound over time, but the path has not been smooth.<\/p>\n<p>The time pattern also suggests that the fund has gone through distinct phases rather than a straight climb. There were stretches of recovery and stretches of drawdown, especially over the last year, which fits the High Risk profile. For investors, the key point is that the fund\u2019s better 3-year and 5-year numbers are doing the heavy lifting; the most recent year is a reminder that equity cycles can interrupt that trend.<\/p>\n<p>Against NIFTY 50, the fund has done better over 3 years and 5 years, and also over 3 months and 1 month. The only period where the absolute numbers still look soft is 1 year, but even there the benchmark is much weaker. That combination makes the fund look more resilient than the index in the measured periods, though not consistently strong in every recent window.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Nippon_India_Retirement_Fund-Wealth_Creation\"><\/span>Should you BUY or HOLD Nippon India Retirement Fund-Wealth Creation?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Nippon India Retirement Fund-Wealth Creation? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/nippon-india-retirement-fund-wealth-creation-g-direct-plan\">Nippon India Retirement Fund-Wealth Creation Direct Growth Plan<\/a><\/td>\n<td>-0.65%<\/td>\n<td>10.37%<\/td>\n<td>11.07%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-retirement-fund-30-g-direct-plan\">Aditya Birla SL Retirement Fund-30 Direct Growth Plan<\/a><\/td>\n<td>14.79%<\/td>\n<td>16.18%<\/td>\n<td>12.49%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-retirement-sav-fund-prog-plan-g-direct-plan\">Tata Retirement Sav Fund &#8211; Prog Plan Direct Growth Plan<\/a><\/td>\n<td>8.66%<\/td>\n<td>13.2%<\/td>\n<td>11.09%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-hybrid-aggressive-plan-g-direct-plan\">ICICI Pru Retirement Fund-Hybrid Aggressive Plan Direct Growth Plan<\/a><\/td>\n<td>8.65%<\/td>\n<td>17.37%<\/td>\n<td>15.41%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-pure-equity-plan-g-direct-plan\">ICICI Pru Retirement Fund-Pure Equity Plan Direct Growth Plan<\/a><\/td>\n<td>8.44%<\/td>\n<td>19.37%<\/td>\n<td>19.59%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-retirement-sav-fund-mod-plan-g-direct-plan\">Tata Retirement Sav Fund &#8211; Mod Plan Direct Growth Plan<\/a><\/td>\n<td>8.26%<\/td>\n<td>12.43%<\/td>\n<td>10.96%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>On the latest one-year figure, this fund trails every peer listed here, while the peer set shows several funds with clearly stronger recent momentum. The gap is less severe over 3 years and 5 years, where the fund improves, but it still sits below the stronger peer outcomes in both windows. That makes the short-term picture look notably weaker than the longer-term picture.<\/p>\n<p>The comparison also shows that the fund\u2019s 3-year and 5-year results are respectable, but not the strongest among the available peers. Several retirement funds in the group have posted materially higher long-term returns, which means this fund has not matched the better compounding profiles in the peer set. So the peer story is mixed: the fund is stronger over time than in the last year, but it has not led the available long-term comparisons.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ICICI Bank Limited<\/td>\n<td>Bank<\/td>\n<td>7.53%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Limited<\/td>\n<td>Bank<\/td>\n<td>7.26%<\/td>\n<\/tr>\n<tr>\n<td>Reliance Industries Limited<\/td>\n<td>Crude Oil<\/td>\n<td>4.19%<\/td>\n<\/tr>\n<tr>\n<td>Axis Bank Limited<\/td>\n<td>Bank<\/td>\n<td>4.16%<\/td>\n<\/tr>\n<tr>\n<td>Infosys Limited<\/td>\n<td>IT<\/td>\n<td>3.99%<\/td>\n<\/tr>\n<tr>\n<td>Mahindra &amp; Mahindra Limited<\/td>\n<td>Automobile &amp; Ancillaries<\/td>\n<td>3.42%<\/td>\n<\/tr>\n<tr>\n<td>State Bank of India<\/td>\n<td>Bank<\/td>\n<td>3.05%<\/td>\n<\/tr>\n<tr>\n<td>JSW Energy Limited<\/td>\n<td>Power<\/td>\n<td>2.99%<\/td>\n<\/tr>\n<tr>\n<td>Alkem Laboratories Limited<\/td>\n<td>Healthcare<\/td>\n<td>2.19%<\/td>\n<\/tr>\n<tr>\n<td>Hindustan Aeronautics Limited<\/td>\n<td>Capital Goods<\/td>\n<td>2.07%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 40.85% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/nippon-india-retirement-fund-wealth-creation-g-direct-plan\">Nippon India Retirement Fund-Wealth Creation Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding, ICICI Bank Limited, is 7.53%, and the next few positions remain fairly close rather than dropping sharply after the first name. That tells us the fund does not rely on a single outsized position, even though banking names form a meaningful part of the visible list.<\/p>\n<p>The weight from the first holding to the tenth falls from 7.53% to 2.07%, which is a noticeable but not extreme step-down. Because the top 10 holdings sum to 40.85% and the fund discloses 56 holdings in total, the portfolio looks moderately concentrated at the top, with the rest likely spread across a longer tail of smaller positions.<\/p>\n<p>That structure may matter for returns because the large positions could have greater influence on performance, while the broader set of smaller holdings may soften the impact of any single stock. Overall, the visible portfolio points to a diversified equity book with a meaningful tilt toward large private and public sector financial names, alongside IT, energy and industrial exposure.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund fits investors who can accept High Risk and hold through uneven periods. The 1-year number is weak, but the 3-year and 5-year figures are positive and better than the benchmark, so the investment case depends on patience rather than smooth year-to-year results.<\/p>\n<p>It is more suitable for a long horizon, especially for retirement-linked money that does not need near-term access. The main trade-off is that you may get better long-term compounding than the benchmark, but you also need to tolerate periods when the recent return profile looks underwhelming compared with stronger peers.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Nippon India Retirement Fund-Wealth Creation Direct Growth Plan?<\/strong><br \/>The NAV is \u20b932.154 as of 10 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s returns are -0.65% for 1 year, 10.37% for 3 years and 11.07% for 5 years.<\/p>\n<p><strong>How does it compare with NIFTY 50?<\/strong><br \/>It is ahead of NIFTY 50 over 3 years and 5 years, and also over the 1-month and 3-month periods. The 1-year figure is still negative, but the benchmark is weaker over that same period.<\/p>\n<p><strong>How does it compare with peer retirement funds?<\/strong><br \/>Its recent 1-year return is weaker than the peer funds listed here, while its 3-year and 5-year returns are respectable but still below the stronger peer outcomes in the set.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9500.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Pranay Sinha, Ritesh Rathod, Kinjal Desai and Amber Singhania. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nippon India Retirement Fund-Wealth Creation Direct Growth Plan looks uneven in the short run but steadier over longer stretches. Its 1-year return is negative, yet the 3-year and 5-year figures are positive and ahead of the benchmark. Against peers, the recent return is weaker, while the longer-term numbers are respectable without being the strongest. The portfolio is anchored by large banking and other blue-chip positions, which may keep the fund closely tied to equity market cycles. It suits investors who can stay invested for the long haul and accept periodic volatility.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 11 September 2026 at 4:01 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Nippon India Retirement Fund-Wealth Creation Direct Growth Plan\",\"identifier\":\"nippon-india-retirement-fund-wealth-creation-g-direct-plan\",\"category\":\"Solution Oriented\",\"dateCreated\":\"11 Feb 2015\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":32.154,\"valueReference\":\"as of 10 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"3127 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.98\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":-0.65},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":10.37},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":11.07},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Pranay Sinha, Ritesh Rathod, Kinjal Desai, Amber Singhania\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Nippon India Retirement Fund-Wealth Creation Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The NAV is \u20b932.154 as of 10 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are -0.65% for 1 year, 10.37% for 3 years and 11.07% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with NIFTY 50?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is ahead of NIFTY 50 over 3 years and 5 years, and also over the 1-month and 3-month periods. The 1-year figure is still negative, but the benchmark is weaker over that same period.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer retirement funds?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its recent 1-year return is weaker than the peer funds listed here, while its 3-year and 5-year returns are respectable but still below the stronger peer outcomes in the set.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Pranay Sinha, Ritesh Rathod, Kinjal Desai and Amber Singhania. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nippon India Retirement Fund-Wealth Creation Direct Growth Plan has a NAV of \u20b932.154 as of 10 Sep 2026. Its 1-year return is -0.65%, while 3-year and 5-year returns are 10.37% and 11.07%.<\/p>\n","protected":false},"author":38,"featured_media":244652,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-244656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["244652"],"rank_math_title":["Nippon India Retirement Fund Review 2026 | NAV &amp; Returns"],"rank_math_description":["Nippon India Retirement Fund-Wealth Creation Direct Growth Plan NAV \u20b932.154; 5Y return 11.07% as of 10 Sep 2026."],"rank_math_focus_keyword":["Nippon India Retirement Fund-Wealth Creation Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Nippon_India_Retirement_Fund_Wealth_Creation_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_bullish.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/244656","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=244656"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/244656\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/244652"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=244656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=244656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=244656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}