Nippon India Retirement Fund - Income Generation Scheme · Regular · Growth
NAV
₹20.4338
as of 31 Jul 2026
Expense Ratio
2.09%
AUM
₹135 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.59%
- 3Y
- +6.26%
- 5Y
- +6.13%
- Since Inception
- +6.42%
SIP returns (XIRR)
- 1Y
- +3.19%
- 3Y
- +4.41%
- 5Y
- +5.86%
- Since Inception
- +6.39%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,18,310 today — ₹5,95,000 invested, 6.3% XIRR.
₹5,95,000
Invested
₹8,18,310
Value today
6.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,83,638 today (6.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,18,073.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹8,18,310 in this fund vs ₹10,98,604 in the benchmark — underperformance of ₹2,80,294.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,57,334 today (1.57×).
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-0.57
Sharpe Ratio
-0.02
Alpha
0.15
Beta
-0.57
Sortino
4.97%
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 India30.55%
- 26.68% Government Of India16.87%
- 38.13% Government Of India15.99%
- 48.17% Government Of India4.92%
- 5Icici Bank Limited2.86%
- 6State Bank Of India2.13%
- 7Hdfc Bank Limited1.66%
- 88.3% Government Of India1.64%
- 9Reliance Industries Limited1.61%
- 10Larsen & Toubro Limited1.36%
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 ₹135 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