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Nippon India Fixed Maturity Plan - XLV - Series 5

Q: What is the NAV of Nippon India Fixed Maturity Plan - XLV - Series 5?

As of 20 Aug 2026, the NAV of Nippon India Fixed Maturity Plan - XLV - Series 5 is ₹13.16 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has Nippon India Fixed Maturity Plan - XLV - Series 5 delivered?

Nippon India Fixed Maturity Plan - XLV - Series 5 has returned +7.48% over 1 year, +8.40% per year over 3 years and +8.43% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of Nippon India Fixed Maturity Plan - XLV - Series 5?

Nippon India Fixed Maturity Plan - XLV - Series 5 charges an expense ratio of 0.34% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of Nippon India Fixed Maturity Plan - XLV - Series 5?

Its largest holdings are LIC HOUSING FINANCE LIMITED SR TRANCHE 386 7.99 LOA 12JL29 FVRS10LAC (8.4%), INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 181 7.37 BD 31JL29 FVRS1LAC (8.4%), SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VII 7.42 BD 12MR29 FVRS1LAC (8.4%), KNOWLEDGE REALTY TRUST 7.5378 NCD 08MY29 FVRS1LAC (8.4%) and TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED SR I 2024-25 B 9.35 NCD 29DC28 FVRS1LAC (7.6%). Holdings are disclosed monthly and change over time.

Q: How risky is Nippon India Fixed Maturity Plan - XLV - Series 5?

It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.6% and its worst peak-to-trough fall in our sample was -0.3%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of 3.22 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Nippon India Fixed Maturity Plan - XLV - Series 5's 3.22 means it has rewarded its volatility with excess return. Higher is better.

Q: What is the benchmark of Nippon India Fixed Maturity Plan - XLV - Series 5?

Nippon India Fixed Maturity Plan - XLV - Series 5 is benchmarked against the CRISIL Medium Term Debt Index. Its alpha and beta on this page are measured against that index.

Q: Who manages Nippon India Fixed Maturity Plan - XLV - Series 5?

Nippon India Fixed Maturity Plan - XLV - Series 5 is managed by Vikash Agarwal at Nippon India.

Q: How is Nippon India Fixed Maturity Plan - XLV - Series 5 taxed?

Nippon India Fixed Maturity Plan - XLV - Series 5 is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.

Nippon India Mutual Fund

This is the Regular plan of Nippon India Fixed Maturity Plan - XLV - Series 5 — bought through a distributor, whose commission is paid out of its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.

NAV

₹13.16

-0.16% 1D

as of 20 Aug 2026

Compare SIP calculator

NAV history

+7.48%CAGR

52-week rangePrev NAV ₹13.18

Latest ₹13.16

Low ₹12.2597th percentile of its 52-week rangeHigh ₹13.19

Scorecard

★★★★★5/5 vs 35 of 34 Income peers

Performance 60%
Risk 15%
Cost 10%
Downside 15%

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Income (same plan and option). 35 of the 34 Income funds in this cohort carry the full record the stars need, so they are the ones ranked against.

PerformanceStrong

3Y CAGR +8.40% · ranks 1 of 34 Income funds

RiskLow

Volatility 0.6% vs 0.8% category avg

CostHigh

0.3% expense vs 0.3% category avg

ConsistencyHigh

100% of rolling 3Y windows were positive

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

1-year return (+7.48%) beats the Income average (+5.84%)
3-year return (+8.40%) beats the Income average (+7.36%)
Ranks #1 of 34 on 1-year return in its Income cohort
Stronger risk-adjusted returns — Sharpe 3.22 vs 1.12 Income average
Less volatile than its Income peers (0.6% vs 0.8%)

Concerns

High expense ratio (0.34%) vs the Income average of 0.27%

Key Metrics

Annual fee charged by the fund, already deducted from NAV

Category 0.27%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

Category —

Excess return per unit of total volatility (rf = 6.5%)

3.22

Category 1.12▲2.10

Scheme Info

Definitions

Plan

Regular · Growth

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

Exit Load

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Smallest recurring SIP instalment the scheme accepts

Smallest one-time (lumpsum) investment the scheme accepts

Benchmark

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

31 Mar 2023

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

+0.54%

Absolute return over the last 3 months (not annualized)

+2.23%

Absolute return over the last 6 months (not annualized)

+4.00%

Absolute return since 1 Jan of this year (not annualized)

+4.88%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+7.48%

3-year annualized return (CAGR)

+8.40%

5-year annualized return (CAGR)

—

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the fund's inception

+8.43%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

0.59%

Excess return per unit of total volatility (rf = 6.5%)

3.22

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

5.39

Largest peak-to-trough decline over full history

-0.30%

Benchmark ratios

Not shown for Income — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Fund vs category average (Income)

Period	Fund	Category avg.	Diff
1M abs	+0.54%	+0.43%	+0.11%
3M abs	+2.23%	+1.85%	+0.38%
6M abs	+4.00%	+2.79%	+1.21%
1Y CAGR	+7.48%	+5.84%	+1.64%
3Y CAGR	+8.40%	+7.36%	+1.04%
5Y CAGR	—	+6.42%	—

Category average across peers in Income (32 of 34 carry a figure for at least one period), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Category rank

Vs 34 peers in Income

1Y return🏆

+7.48%

Beats 100% · rank #1

3Y return🏆

+8.40%

Beats 100% · rank #1

5Y return

—

Sharpe🏆

3.22

Beats 100% · rank #1

Sortino🏆

5.39

Beats 100% · rank #1

Rolling returns

Return for every possible 1Y holding period, not just today’s

Average

+8.4%

Median

+8.6%

Best

+9.2%

Worst

+7.2%

Positive periods

100.0%

29 overlapping 1Y windows, sampled monthly across the fund’s history.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹3.60L

Current value

₹4.05L

Absolute

+12.39%

XIRR

+8.17%

Value vs. invested

36 monthly installments of ₹10,000 into Nippon India Fixed Maturity Plan - XLV - Series 5, valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund
2026part	+4.90%
2025	+8.35%
2024	+8.76%
2023part	+6.44%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.

History points

819

Expense ratio

AUM

Portfolio turnover

Exit load

Taxation

Taxed as debt

This is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

Pick your slab to see the rate that applies to you.

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Income

Compare all


Nippon India Fixed Maturity Plan - XLV - Series 5This fund Nippon India	★★★★★	+7.48%	+8.40%	—	—	0.34%	₹182.14Cr
Kotak FMP Series 304 Kotak Mahindra	★★★★★	+6.07%	+8.20%	—	—	0.10%	₹120.00Cr
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) SBI	★★★☆☆	+5.83%	+7.82%	+6.77%	—	0.20%	₹51.26Cr
HDFC FMP 2638D February 2023 HDFC	★★★☆☆	+5.82%	+7.80%	—	—	0.38%	₹166.64Cr
Bandhan Fixed Term Plan Series - 179 (3652 Days) Bandhan	★★☆☆☆	+5.79%	+7.69%	+6.69%	—	0.29%	₹367.27Cr
Nippon India Fixed Maturity Plan - XLIII - Series 5 Nippon India	★★★★☆	+5.60%	+7.68%	—	—	0.35%	₹186.24Cr

Fund size over time

Quarterly average AUM · AMFI

₹182.14Cr

April - June 2026

-24%

since January - March 2026

Down +24% from its peak of ₹238.84Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

Nippon India in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

About Debt funds

Debt funds lend to governments and companies and earn interest. They're generally steadier than equity funds and are used for shorter horizons and stability.

Frequently asked questions

What is the NAV of Nippon India Fixed Maturity Plan - XLV - Series 5?

As of 20 Aug 2026, the NAV of Nippon India Fixed Maturity Plan - XLV - Series 5 is ₹13.16 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has Nippon India Fixed Maturity Plan - XLV - Series 5 delivered?

Nippon India Fixed Maturity Plan - XLV - Series 5 has returned +7.48% over 1 year, +8.40% per year over 3 years and +8.43% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of Nippon India Fixed Maturity Plan - XLV - Series 5?

Nippon India Fixed Maturity Plan - XLV - Series 5 charges an expense ratio of 0.34% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

What are the top holdings of Nippon India Fixed Maturity Plan - XLV - Series 5?

Its largest holdings are LIC HOUSING FINANCE LIMITED SR TRANCHE 386 7.99 LOA 12JL29 FVRS10LAC (8.4%), INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 181 7.37 BD 31JL29 FVRS1LAC (8.4%), SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VII 7.42 BD 12MR29 FVRS1LAC (8.4%), KNOWLEDGE REALTY TRUST 7.5378 NCD 08MY29 FVRS1LAC (8.4%) and TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED SR I 2024-25 B 9.35 NCD 29DC28 FVRS1LAC (7.6%). Holdings are disclosed monthly and change over time.

How risky is Nippon India Fixed Maturity Plan - XLV - Series 5?

It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.6% and its worst peak-to-trough fall in our sample was -0.3%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of 3.22 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Nippon India Fixed Maturity Plan - XLV - Series 5's 3.22 means it has rewarded its volatility with excess return. Higher is better.

What is the benchmark of Nippon India Fixed Maturity Plan - XLV - Series 5?

Nippon India Fixed Maturity Plan - XLV - Series 5 is benchmarked against the CRISIL Medium Term Debt Index. Its alpha and beta on this page are measured against that index.

Who manages Nippon India Fixed Maturity Plan - XLV - Series 5?

Nippon India Fixed Maturity Plan - XLV - Series 5 is managed by Vikash Agarwal at Nippon India.

How is Nippon India Fixed Maturity Plan - XLV - Series 5 taxed?

Nippon India Fixed Maturity Plan - XLV - Series 5 is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.