Nippon India Retirement Fund - Income Generation Scheme · Regular · Growth
NAV
₹20.1629
as of 17 Jun 2026
Expense Ratio
2.09%
AUM
₹145 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.49%
- 3Y
- +6.17%
- 5Y
- +5.78%
- Since Inception
- +6.37%
SIP returns (XIRR)
- 1Y
- +0.90%
- 3Y
- +4.00%
- 5Y
- +5.60%
- Since Inception
- +6.29%
This fund trailed its benchmark
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SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹68,000
Invested
₹96,481
Value today
6.0%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹1,982
Value today
6.2%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹6,80,000
Withdrawn
₹10,17,502
Corpus left
+₹6,97,502 net gain — withdrew ₹6,80,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹12,22,340
Value today
+2.8%
vs lumpsum
STP beat direct lumpsum by 2.8% — reduced timing risk paid off
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,52,812
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,52,812 — a 1.5× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-1.02
Sharpe Ratio
-0.04
Alpha
0.14
Beta
-1.01
Sortino
5.00%
Std Dev
-5.72%
Max Drawdown
Performance Comparison
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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 India30.31%
- 26.68% Government Of India16.70%
- 38.13% Government Of India15.90%
- 48.17% Government Of India4.94%
- 5Icici Bank Limited2.69%
- 6State Bank Of India2.27%
- 7Reliance Industries Limited1.82%
- 88.3% Government Of India1.65%
- 9Hdfc Bank Limited1.64%
- 10Larsen & Toubro Limited1.35%
Investment Objective
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 ₹145 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 2.09%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations