Nippon India Retirement Fund - Income Generation Scheme · Regular · Growth
NAV
₹20.3838
as of 15 Jul 2026
Expense Ratio
2.09%
AUM
₹145 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.41%
- 3Y
- +6.17%
- 5Y
- +6.02%
- Since Inception
- +6.41%
SIP returns (XIRR)
- 1Y
- +2.64%
- 3Y
- +4.26%
- 5Y
- +5.79%
- Since Inception
- +6.37%
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,23,862 today — ₹6,00,000 invested, 6.3% XIRR.
₹6,00,000
Invested
₹8,23,862
Value today
6.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,88,033 today (6.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹10,56,467.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹8,23,862 in this fund vs ₹10,98,128 in the benchmark — underperformance of ₹2,74,266.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹1,56,659 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-0.67
Sharpe Ratio
-0.03
Alpha
0.15
Beta
-0.66
Sortino
5.02%
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 India30.40%
- 26.68% Government Of India16.75%
- 38.13% Government Of India15.88%
- 48.17% Government Of India4.93%
- 5Icici Bank Limited2.68%
- 6State Bank Of India2.05%
- 7Reliance Industries Limited1.69%
- 88.3% Government Of India1.64%
- 9Hdfc Bank Limited1.59%
- 10Larsen & Toubro Limited1.37%
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