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Nippon India Retirement Fund- Income Generation Scheme
Regular Plan · IDCW Option · Nippon India Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +2.47% | +3.10% | 19 of 29 |
| 1M | +1.58% | +2.05% | 18 of 29 |
| 3M | -1.86% | -2.98% | 9 of 29 |
| 6M | +1.48% | +0.56% | 7 of 29 |
| YTD | -0.73% | -1.35% | 10 of 29 |
| 1Y | -0.43% | -1.13% | 12 of 29 |
| 2Y | +1.52% | +1.82% | 14 of 29 |
| 3Y | +5.78% | +7.99% | 17 of 27 |
| 5Y | +5.01% | +7.00% | 16 of 25 |
| 7Y | +5.98% | +8.97% | 12 of 18 |
| 10Y | +5.93% | +8.80% | 8 of 10 |
| INCEPTION | +6.14% | — | — |
Ranked among: Solution Oriented Schemes ** - Retirement Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +1.63% | +9.29% | -5.87% | 67% | 27% |
| 6M | +3.26% | +13.93% | -7.45% | 79% | 32% |
| 1Y | +6.75% | +17.24% | -4.71% | 88% | 37% |
| 2Y | +6.90% | +13.74% | -0.11% | 100% | 42% |
| 3Y | +6.84% | +11.46% | +2.88% | 100% | 42% |
| 5Y | +6.78% | +8.76% | +3.95% | 100% | 43% |
| 7Y | +6.76% | +8.31% | +5.56% | 100% | 43% |
| 10Y | +6.84% | +7.59% | +5.49% | 100% | 43% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Sep 2026
Asset Allocation
- Equity19.15%
- Debt74.93%
- Cash5.92%
- Other0.00%
Market Cap Split
- Large Cap17.21%
- Mid Cap0.92%
- Small Cap1.02%
- Others80.85%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 18.42 | 24.10 |
| P/B | 2.53 | 3.50 |
| Price / Sales | 2.42 | 3.15 |
| Price / Cash Flow | 15.08 | 19.54 |
| Dividend Yield (%) | 1.39 | 1.37 |
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| 706GOI2046 | Debt | 30.72% | +0.17% |
| GOI LOAN 6.68% 2040 | Debt | 17.08% | +0.19% |
| 813CG2045 | Debt | 16.12% | +0.23% |
| 817GOI2044 | Debt | 4.98% | +0.08% |
| Triparty Repo | Reverse Repo / TREPS | 4.20% | — |
| GOI LOAN 6.36% 2031 | Debt | 3.55% | — |
| ICICI Bank | Banks | 2.87% | -0.18% |
| State Bank of India | Banks | 2.08% | -0.15% |
| Net Current Assets | Net Current Assets | 1.69% | — |
| 830GOI2042 | Debt | 1.66% | +0.01% |
| HDFC Bank | Banks | 1.54% | +0.05% |
| Reliance Industries | Petroleum Products | 1.54% | -0.07% |
| Larsen & Toubro | Construction | 1.29% | -0.05% |
| Axis Bank | Banks | 1.15% | -0.03% |
| Samvardhana Motherson International | Auto Components | 1.13% | -0.02% |
View all 31 holdings
| NTPC | Power | 1.11% | +0.02% |
| Eternal | Retailing | 0.99% | +0.00% |
| Mahindra & Mahindra | Automobiles | 0.85% | -0.07% |
| 883GOI2041 | Debt | 0.82% | +0.01% |
| Dixon Technologies | Consumer Durables | 0.71% | -0.07% |
| Cummins | Industrial Products | 0.69% | -0.02% |
| Infosys | IT - Software | 0.66% | -0.07% |
| Mishra Dhatu Nigam | Aerospace & Defense | 0.44% | +0.04% |
| Tata Consultancy Services | IT - Software | 0.44% | -0.06% |
| SBI Life Insurance | Insurance | 0.43% | +0.00% |
| Crompton Greaves | Consumer Durables | 0.30% | -0.03% |
| Kaynes Technology India | Industrial Manufacturing | 0.28% | -0.01% |
| Sun Pharmaceutical | Pharmaceuticals & Biotechnology | 0.26% | -0.02% |
| Tube Investment | Auto Components | 0.21% | -0.02% |
| Apollo Hospitals | Equity | 0.18% | -0.01% |
| Cash Margin - CCIL | Net Current Assets | 0.03% | — |
Sector Allocation · Sep 2026
View all 15 sectors
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 5.57 | 10.03 | Low Volatility |
| 3Y | 4.69 | 9.44 | Low Volatility |
| 5Y | 4.76 | 8.94 | Low Volatility |
What is this?
Annualized population standard deviation of daily denomination-adjusted NAV returns, multiplied by sqrt(252). Values require a full timeframe of NAV history.
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -1.25 | -0.86 | Below Average |
| 3Y | -0.06 | 0.13 | Below Average |
| 5Y | -0.17 | 0.05 | Below Average |
What is this?
Annualized Sharpe ratio calculated from month-end NAV returns using the latest available FBIL Overnight MIBOR rate as the risk-free rate. For schemes with less than three years of history, the 3Y value uses since-inception data. Applied risk-free rate: 5.73% (published 2026-10-28).
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.07 | 0.14 | Below Average |
| 3Y | 1.87 | 1.80 | Above Average |
| 5Y | 1.57 | 1.62 | Below Average |
What is this?
Annualized from daily NAV returns using a 0.00% minimum acceptable return; downside deviation includes only returns below this target.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
ICICI Prudential Retirement Fund Hybrid Conservative Plan
Direct Plan · Growth
|
+3.76% | +9.45% | +8.46% | +9.46% |
|
ICICI Prudential Retirement Fund Pure Debt Plan
Regular Plan · IDCW
|
+2.93% | +5.47% | +4.89% | +6.02% |
|
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Regular Plan · GROWTH
|
+2.07% | +4.62% | +3.81% | +4.09% |
|
Tata Retirement Savings Fund-Progressive Plan
Regular Plan · Growth Option
|
+1.88% | +10.99% | +8.44% | +13.46% |
|
Tata Retirement Savings Fund-Moderate Plan
Regular Plan · Growth Option
|
+1.79% | +10.45% | +8.40% | +13.39% |
|
Tata Retirement Savings Fund-Conservative Plan
Regular Plan · Growth Option
|
+1.77% | +6.41% | +5.30% | +8.15% |
|
SBI Retirement Benefit Fund - Conservative Plan
Regular Plan · IDCW
|
+1.68% | +6.18% | +6.34% | +6.80% |
|
SBI Retirement Benefit Fund - Conservative Hybrid Plan
Direct Plan · Growth
|
+1.40% | +7.18% | +7.48% | +8.87% |
|
PGIM India Retirement Fund
Direct Plan · Direct Growth
|
+1.12% | — | — | +9.54% |
|
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Regular Plan · IDCW
|
+1.00% | +5.13% | +4.41% | +7.08% |
More From Nippon Life India Asset Management Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
Nippon India Taiwan Equity Fund
Direct Plan · Growth Option
|
+61.78% | +49.40% | — | +24.96% |
|
Nippon India Silver ETF
Direct Plan
|
+26.05% | +36.23% | — | +25.08% |
|
Nippon India Silver ETF FOF
Direct Plan · IDCW Option
|
+24.99% | +35.38% | — | +24.09% |
|
Nippon India Nifty Pharma ETF
Direct Plan
|
+22.83% | +22.93% | +15.06% | +13.35% |
|
Nippon India Japan Equity Fund
Direct Plan · IDCW Option
|
+20.27% | +21.27% | +9.63% | +9.56% |
|
Nippon India ETF Gold BeES
Direct Plan
|
+16.58% | +30.82% | +23.10% | +15.30% |
|
Nippon India Gold Savings Fund
Direct Plan · Growth Option
|
+16.51% | +30.76% | +22.97% | +10.34% |
|
Nippon India US Equity Opportunities Fund
Direct Plan · IDCW Option
|
+11.90% | +18.73% | +10.93% | +14.93% |
|
Nippon India Pharma Fund
Direct Plan · Growth Option
|
+10.54% | +18.85% | +14.53% | +17.34% |
|
Nippon India Fixed Maturity Plan - XLV - Series 5
Direct Plan · Growth Option
|
+7.36% | +8.43% | — | +8.54% |
About This Scheme
Investment Objective
The investment objective of the scheme is to provide capital appreciation to the investors, which will be in line with their long term savings goal, by investing in a diversified portfolio of equity & equity related instruments with small exposure to fixed income securities. Although, the objective of the Fund is to generate optimal returns, the objective may or may not be achieved.
Stated Asset Allocation
Diversified Equities and equity related securities -5-30% Debt and Money market securities -70-95%
Exit Load
Nil
Fund Managers
FM 1 Pranay Sinha, FM 2 Ritesh Rathod
FM 1 Comanage, FM 2 Comanage
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.