Nippon India Multi Asset Allocation Fund SIP Calculator
Calculate historical returns and project future compounding for Nippon India Multi Asset. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Multi Asset Allocation
AUM
₹17,984 Cr
Expense Ratio
0.47%
Fund Manager
Vikram Dhawan, Sushil Budhia, Ashutosh Bhargava
Nippon India Multi Asset Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 18.3% CAGR | 5 Years @ 15.0% CAGR | 10 Years @ 15.0% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹48,247 Invested: ₹36,000 | ₹89,757 Invested: ₹60,000 | ₹2,79,173 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,20,618 Invested: ₹90,000 | ₹2,24,394 Invested: ₹1,50,000 | ₹6,97,933 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,41,236 Invested: ₹1,80,000 | ₹4,48,787 Invested: ₹3,00,000 | ₹13,95,865 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹4,82,473 Invested: ₹3,60,000 | ₹8,97,574 Invested: ₹6,00,000 | ₹27,91,731 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹12,06,182 Invested: ₹9,00,000 | ₹22,43,936 Invested: ₹15,00,000 | ₹69,79,326 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (18.33%), 5-year (15.03%), and 10-year (15.03%) performance data. Actual mutual fund returns fluctuate with market NAV.
About Nippon India Multi Asset Allocation Fund
A multi asset allocation fund that invests across Indian equities, international equities, debt, gold and silver in a single portfolio, rebalanced dynamically.
Investment Strategy
Asset allocation across equity (50-80%), debt (10-35%), and gold/silver ETFs (10-30%), with dedicated fund managers for each asset class and tactical tilts based on valuations.
Key Facts
- One-stop multi asset portfolio: equity + debt + gold + silver + international
- Dedicated managers per asset class (equity, commodities, debt)
- Expense ratio: 0.46% (Direct)
- Launched August 2020
Historical Returns
3-Year CAGR
18.33%
5-Year CAGR
15.03%
10-Year CAGR
N/A
Benchmark
50% BSE 500 TRI + 20% MSCI World TRI + 15% CRISIL ST Bond + 10% Gold + 5% Silver
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, Nippon India Multi Asset's portfolio includes:
Top 5 Holdings
- Nippon India ETF Gold BeES
- iShares MSCI World ETF
- Nippon India Silver ETF
- ICICI Bank
- HDFC Bank
Sector Allocation
A multi-asset mix — roughly 50-60% Indian equity, 10-20% international equities (via iShares MSCI World ETF), 10-15% gold and silver via ETFs, with the balance in debt and cash.
Risk & Drawdowns
Lower volatility than pure equity funds — annualized standard deviation ~9.5% thanks to the gold, silver and debt sleeve cushioning equity swings.
During the 2022 equity selloff, the gold allocation offset equity losses, keeping drawdowns meaningfully below pure equity funds.
Tax Treatment
Hybrid fund — long-term gains taxed at 12.5% above ₹1.25 lakh/year; note that international equity is treated as foreign equity. Gold ETF portion attracts capital gains tax at applicable equity rates.
Who Should NOT Invest in Nippon India Multi Asset?
Investors who want pure equity returns or full control of their own asset allocation, since the fund's allocation decisions are made by the manager.
About the Fund Manager
Managed by a team of specialists — Vikram Dhawan (commodities, since launch), Sushil Budhia (debt, since 2021) and Ashutosh Bhargava (co-fund manager), with equity support from Nippon's equity desk.
Who Is This Fund Suitable For?
Suitable for investors wanting a single balanced portfolio with built-in diversification across asset classes, geographies and precious metals.
More Funds from Nippon & Similar Schemes
Similar Funds to Consider
- Parag Parikh Flexi Cap Fund
- SBI Multi Asset Allocation Fund
- ICICI Prudential Multi Asset Fund
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for Nippon India Multi Asset Investors
- FIRE Calculator — Plan your retirement corpus with Nippon India Multi Asset as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in Nippon India Multi Asset could cost you
- SIP vs EMI Calculator — Compare investing in Nippon India Multi Asset vs paying off loans
Frequently Asked Questions About Nippon India Multi Asset
What is the historical SIP return of Nippon India Multi Asset?
Based on the latest data, Nippon India Multi Asset has delivered an annualized return (CAGR) of 18.33% over 3 years, 15.03% over 5 years, and N/A over 10 years. During the 2022 equity selloff, the gold allocation offset equity losses, keeping drawdowns meaningfully below pure equity funds.
How is Nippon India Multi Asset SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in Nippon India Multi Asset generate over 5 years?
At an estimated annual return rate of 15.03%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹4,48,787 in 5 years, yielding an estimated wealth gain of ₹1,48,787. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Nippon India Multi Asset?
Nippon India Multi Asset's top holdings include Nippon India ETF Gold BeES, iShares MSCI World ETF, Nippon India Silver ETF, and ICICI Bank. The fund's sector allocation is A multi-asset mix — roughly 50-60% Indian equity, 10-20% international equities (via iShares MSCI World ETF), 10-15% gold and silver via ETFs, with the balance in debt and cash..
What is the risk profile of Nippon India Multi Asset?
Lower volatility than pure equity funds — annualized standard deviation ~9.5% thanks to the gold, silver and debt sleeve cushioning equity swings. This fund may not be suitable for investors who want pure equity returns or full control of their own asset allocation, since the fund's allocation decisions are made by the manager..
What are the tax implications of investing in Nippon India Multi Asset?
Hybrid fund — long-term gains taxed at 12.5% above ₹1.25 lakh/year; note that international equity is treated as foreign equity. Gold ETF portion attracts capital gains tax at applicable equity rates.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
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