A goal-oriented mutual-fund structure
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.
Investors whose goal and access needs match the scheme's lock-in or exit rules.
Market risk plus any lock-in, exit restriction and goal-timing mismatch.
How the money may be invested
Under normal circumstances, the anticipated asset allocation would be: Diversified Equity and equity related securities – 65%- 100%, Debt and Money market securities - 0%-35%.
- SEBI category
- Solution Oriented: Retirement Fund
- Fund type
- Open
- Primary benchmark
- BSE 500 TRI
Use the latest monthly portfolio
Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.
Manager and scheme tenure
- Fund manager(s)
- FM 1 Ritesh Rathod, FM 2 Pranay Sinha
- Manager tenure on this scheme
- Since FM 1 Since Jan 2026, FM 2 Since Mar 2021
- Role / co-management
- FM 1 Primary, FM 2 Primary
The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.
Latest NAV records
NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.
| Plan / option reported by AMFI | NAV | Date |
|---|---|---|
| Nippon India Retirement Fund- Wealth Creation Scheme - Direct Plan - Bonus Option | ₹32.6393 | 04 Sep 2026 |
| Nippon India Retirement Fund- Wealth Creation Scheme - Direct Plan - Growth Option | ₹32.6393 | 04 Sep 2026 |
| Nippon India Retirement Fund- Wealth Creation Scheme - Direct Plan - IDCW Option | ₹22.6071 | 04 Sep 2026 |
| Nippon India Retirement Fund- Wealth Creation Scheme - Regular Plan - Bonus Option | ₹28.6667 | 04 Sep 2026 |
| Nippon India Retirement Fund- Wealth Creation Scheme - Regular Plan - Growth Option | ₹28.6667 | 04 Sep 2026 |
| Nippon India Retirement Fund- Wealth Creation Scheme - Regular Plan - IDCW Option | ₹19.2378 | 04 Sep 2026 |
What you pay and how money moves
- Stated expense ratio
- Regular 2.25%, Direct 1.28%
- Exit load
- NIL
- Minimum application
- 500 · multiples of 500
- SIP frequency
- SIP - Monthly, Quarterly, Yearly SWP - Monthly / Quarterly / Half yearly / Yearly STP - Daily/ Weekly/ Fortnightly/ Monthly / Quarterly
- Minimum SIP amount
- 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
- Minimum 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
How a mutual-fund investment is paid
- Complete KYCIdentity, PAN, bank and contact verification are required.
- Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
- Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
- Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
- Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.
Download and verify at source
The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.
Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.