Nippon India Fixed Maturity Plan - XLV - Series 5

Direct and Regular plans, Growth option

Data as on 30-10-2026

Nippon India Fixed Maturity Plan - XLV - Series 5 is a mutual fund run by Nippon India Mutual Fund. On 30-09-2026, it managed ₹60 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 8.4% a year and its Regular plan returned 8.1% a year.

NAV (Direct plan): ₹13.39; ▲ 0.07%30-10-2026
NAV (Regular plan): ₹13.25; ▲ 0.07%30-10-2026
Expense ratio: 0.10%Direct0.38%Regular; 0.10%; A year
Riskometer: Not available; Set by the fund house
3 year return: 8.4%Direct8.1%Regular; 8.4%; A year

Nippon India Fixed Maturity Plan - XLV - Series 5 NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹13.39 (up 0.07% that day); Regular Plan Growth ₹13.25 (up 0.07% that day).

This fund (Direct plan)

₹13.3913

Nippon India Fixed Maturity Plan - XLV - Series 5 Returns

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	+0.02%	+0.99%	+3.44%	+7.13%	+8.39%	--	--
This fund (Regular)	0.00%	+0.92%	+3.29%	+6.82%	+8.08%	--	--
Category average	--	--	--	--	--	--	--
Best in category	--	--	--	--	--	--	--
Worst in category	--	--	--	--	--	--	--
Rank in category	--	--	--	--	--	--	--

No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. The fund house names no benchmark we can show.

Nippon India Fixed Maturity Plan - XLV - Series 5 Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+5.88%	+5.63%
2025	+8.66%	+8.35%
2024	+9.07%	+8.76%

Nippon India Fixed Maturity Plan - XLV - Series 5 Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 142 periods, one for each trading day from 31-03-2026 to 30-10-2026.

0%2%4%6%8%10%

Apr 2023
to
Apr 2026May 2023
to
May 2026Jun 2023
to
Jun 2026Aug 2023
to
Aug 2026Sept 2023
to
Sept 2026Oct 2023
to
Oct 2026

Nippon India Fixed Maturity Plan - XLV - Series 5 (Direct)

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss
1 year	625	8.9%	7.0%	9.8%	0%
2 years	383	8.8%	8.0%	9.3%	0%
3 years	142	8.7%	8.4%	8.9%	0%

Period	Periods	Median	Lowest	Highest	With a loss
1 year	32	8.9%	7.2%	9.8%	0%
2 years	20	8.7%	8.0%	9.4%	0%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. Past returns do not promise future returns.

Nippon India Fixed Maturity Plan - XLV - Series 5 Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	Nippon India Fixed Maturity Plan - XLV - Series 5 (Direct)This fund
Return (CAGR)	+7.13%
Standard deviation	0.83%
Sharpe ratio	2.26
Sortino ratio	3.29
Maximum drawdown	−0.31% (21-08-2026)

From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	Nippon India Fixed Maturity Plan - XLV - Series 5 (Direct)This fund
Return (CAGR)	+8.39%
Standard deviation	0.63%
Sharpe ratio	3.75
Sortino ratio	6.15
Maximum drawdown	−0.31% (21-08-2026)

From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	Nippon India Fixed Maturity Plan - XLV - Series 5 (Direct)This fund
Return (CAGR)	+8.48%
Standard deviation	0.65%
Sharpe ratio	3.58
Sortino ratio	5.78
Maximum drawdown	−0.31% (21-08-2026)

From daily NAVs, 31-03-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Drawdowns

How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.

−0.4%−0.3%−0.2%−0.1%0%

202420252026

Nippon India Fixed Maturity Plan - XLV - Series 5 (Direct)

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
Nippon India Fixed Maturity Plan - XLV - Series 5 (Direct)	−0.31%	14-08-2026	21-08-2026	02-09-2026	12 days	−0.07%

From the Direct plan's daily NAV since 31-03-2023, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.

Nippon India Fixed Maturity Plan - XLV - Series 5 Expense Ratio and Costs

What each plan charges a year, in force from 01-09-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio
Direct	0.09%	0.00%	0.00%	0.01%	0.10%
Regular	0.32%	0.00%	0.00%	0.06%	0.38%

The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	6.82%	7.13%	0.31%	₹1,06,820	₹1,07,130
3 years	8.08%	8.39%	0.31% a year	₹1,26,251	₹1,27,341

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

Nippon India Fixed Maturity Plan - XLV - Series 5 SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 31-03-2023 to 30-10-2026: 44 instalments, ₹4,40,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planNippon India Fixed Maturity Plan - XLV - Series 5 (Direct)	₹4,40,000	₹5,10,329	₹70,329	8.1%
Regular planNippon India Fixed Maturity Plan - XLV - Series 5 (Regular)	₹4,40,000	₹5,07,490	₹67,490	7.8%

₹0₹2.0 L₹4.0 L₹6.0 L

202420252026

Direct planNippon India Fixed Maturity Plan - XLV - Series 5 (Direct)Regular planNippon India Fixed Maturity Plan - XLV - Series 5 (Regular)Amount invested

From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.

Nippon India Fixed Maturity Plan - XLV - Series 5 Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

94.2%Debt

Asset	Fund
Debt	94.2%
Cash and others	5.8%

Credit rating

Bonds and money market papers by credit rating, % of the fund.

Rating	Fund
AAA and A1+	38.7%
AA	45.4%
A and below	10.2%

Nippon India Fixed Maturity Plan - XLV - Series 5 Portfolio Holdings

As on 30-09-2026 · 14 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
7.99% LIC Housing Finance Limited · Bond	CRISIL AAA	8.29%
7.37% Indian Railway Finance Corporation Limited · Bond	CRISIL AAA	8.22%
7.54% Knowledge Realty Trust · Bond	CRISIL AAA	8.21%
7.42% Small Industries Dev Bank of India · Bond	CRISIL AAA	8.21%
9.35% Telangana State Industrial Infrastructure Corporation Limited · Bond	FITCH AA(CE)	7.65%
9.15% Andhra Pradesh State Beverages Corporation Limited · Bond	FITCH AA(CE)	7.59%
8.95% Vedanta Limited · Bond	CRISIL AA+	7.49%
8.45% Adani Airport Holdings Limited · Bond	CRISIL AA-	7.39%
8.65% Muthoot Fincorp Ltd · Bond	CRISIL AA	7.36%
8.55% Godrej Properties Limited · Bond	ICRA AA+	6.65%
7.41% National Bank For Agriculture and Rural Development · Bond	CRISIL AAA	5.74%
10.75% Navi Finserv Limited · Bond	CRISIL A	5.34%
9.3% Muthoot Mcred Limited · Bond	ICRA A	4.84%
8.95% Vastu Finserve India Private Limited · Bond	CARE AA	1.23%

Nippon India Fixed Maturity Plan - XLV - Series 5 Overview

Fund facts from the scheme summary document

Expense ratio (Direct): 0.10%
Expense ratio (Regular): 0.38%
Category: Not available
Risk: Not available
Benchmark: Not available
Launch date: Not available
Minimum investment: Not available
Minimum additional investment: Not available
AUM: ₹60.31 Cr (30-09-2026)
Lock in: Not available
Scheme code (Direct): 151708
ISIN (Direct): INF204KC1BJ3
Scheme code (Regular): 151710
ISIN (Regular): INF204KC1BH7
NAV history: From 31-03-2023, 3.6 years

Exit load: Not available

Tax on Nippon India Fixed Maturity Plan - XLV - Series 5 returns

How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹13.3913	30-10-2026
regular	Growth	₹13.2543	30-10-2026

About Nippon India Fixed Maturity Plan - XLV - Series 5

Nippon India Fixed Maturity Plan - XLV - Series 5 is a mutual fund from Nippon India Mutual Fund. At the end of September 2026 it held 14 securities.

Fund Manager

Not available

See all funds of Nippon India Mutual Fund

AUM change

September 2026: ₹60.31 Cr; +0.60% from August 2026
August 2026: ₹59.95 Cr; +0.28% from July 2026
July 2026: ₹59.78 Cr; +0.52% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Frequently Asked Questions for Nippon India Fixed Maturity Plan - XLV - Series 5

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

The Direct plan NAV is ₹13.3913. The Regular plan NAV is ₹13.2543, as on 30-10-2026.

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

The Direct plan returned +7.13% in 1 year, +8.39% a year over 3 years. The Regular plan returned +6.82% in 1 year, +8.08% a year over 3 years. These figures are as on 30-10-2026.

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

The Direct plan charges 0.10% a year. The Regular plan charges 0.38% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.

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

Nippon India Fixed Maturity Plan - XLV - Series 5 managed ₹60.31 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

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

At the end of September 2026 the largest holdings were 7.99% LIC Housing Finance Limited (8.29%), 7.37% Indian Railway Finance Corporation Limited (8.22%), 7.54% Knowledge Realty Trust (8.21%), 7.42% Small Industries Dev Bank of India (8.21%), 9.35% Telangana State Industrial Infrastructure Corporation Limited (7.65%). The fund held 14 securities in all.

How do I invest in Nippon India Fixed Maturity Plan - XLV - Series 5?

Through Nippon India Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. You can invest once or through a monthly SIP.

What is the difference between the Direct and Regular plan of Nippon India Fixed Maturity Plan - XLV - Series 5?

Both plans hold the same investments. The Regular plan pays a commission to the distributor who sold it, so it charges more. The Direct plan charges 0.10% a year and the Regular plan 0.38%. The lower charge is why the Direct plan's NAV is higher.

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document.

This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.