UTI Retirement Fund vs Nippon India Retirement Fund - Wealth Creation Scheme
Updated June 2026 · both Retirement funds · metrics from AMFI NAVs
In short: Nippon India Retirement Fund - Wealth Creation Scheme has the higher 3-year return (+13.77%); Nippon India Retirement Fund - Wealth Creation Scheme has the lower expense ratio (1.02%); Nippon India Retirement Fund - Wealth Creation Scheme has the better risk-adjusted return (Sharpe 0.56). This is analysis from past data, not a recommendation.
| Metric | UTI Retirement Fund | Nippon India Retirement Fund - Wealth Creation Scheme |
|---|---|---|
| 1Y return | -0.57% | -4.45% |
| 3Y CAGR | +9.96% | +13.77% |
| 5Y CAGR | +9.74% | +12.71% |
| Sharpe ratio | 0.54 | 0.56 |
| Max drawdown | -6.3% | -18.7% |
| Volatility | 6.3% | 14.6% |
| Alpha | -0.05% | +1.50% |
| Expense ratio (Direct) | 1.15% | 1.02% |
| AUM | ₹4.7K Cr | ₹3.1K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
Nippon India Retirement Fund - Wealth Creation Scheme has the lower Direct-plan expense ratio (1.02%), versus 1.15% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
Nippon India Retirement Fund - Wealth Creation Scheme has the higher 3-year CAGR (+13.77%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.