Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansNippon India Retirement Fund - Income Generation Scheme · Regular · Growth
NAV
₹19.8688
as of 29 Sept 2026
Expense Ratio
2.11%
AUM
₹141 Cr
Lumpsum returns (CAGR)
- 1Y
- -1.15%
- 3Y
- +5.08%
- 5Y
- +4.70%
- Since Inception
- +6.07%
SIP returns (XIRR)
- 1Y
- -1.92%
- 3Y
- +1.94%
- 5Y
- +4.38%
- Since Inception
- +5.77%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,96,596 today — ₹6,00,000 invested, 5.6% XIRR.
₹6,00,000
Invested
₹7,96,596
Value today
5.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,74,346 today (5.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹9,46,862.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹7,96,596 in this fund vs ₹10,04,672 in the benchmark — underperformance of ₹2,16,699.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,52,984 today (1.53×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-1.17
Sharpe Ratio
-0.05
Alpha
0.16
Beta
-1.15
Sortino
5.03%
Std Dev
-5.72%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks7.95%
- Petroleum Products1.61%
- Auto Components1.38%
- Construction1.34%
- IT - Software1.23%
- Consumer Durables1.11%
- Power1.09%
- Retailing0.99%
- Automobiles0.92%
- Industrial Products0.71%
- Insurance0.43%
- Aerospace & Defense0.40%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option
- 17.06% Government Of India30.55%
- 26.68% Government Of India16.89%
- 38.13% Government Of India15.89%
- 48.17% Government Of India4.90%
- 56.94% Government Of India3.50%
- 6Icici Bank Limited3.05%
- 7State Bank Of India2.23%
- 88.3% Government Of India1.65%
- 9Reliance Industries Limited1.61%
- 10Hdfc Bank Limited1.49%
What this fund does
Nippon India Retirement Fund - Income Generation Scheme · Regular · Growth by Nippon India Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
Nippon India Retirement Fund - Income Generation Scheme · Regular · Growth is a Retirement Fund mutual fund offered by Nippon India Mutual Fund. The fund has been operational for over 11 years. It manages assets worth ₹141 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL HYBRID 85+15 - CONSERVATIVE INDEX. The current expense ratio is 2.11%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach