Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option
₹19.8041
₹0.03 (-0.14%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹19.8041
₹0.03 (-0.14%)
29 May 2026
AMFI: 133572
Direct · Growth
₹₹22.7608
₹0.03 (-0.14%)
29 May 2026
AMFI: 133569
Regular · IDCW
₹₹19.8068
₹0.03 (-0.14%)
29 May 2026
AMFI: 133571
Direct · IDCW
₹₹22.7608
₹0.03 (-0.14%)
29 May 2026
AMFI: 133570
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹67,500
Invested
₹95,774
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
₹1,978
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
₹6,75,000
Withdrawn
₹10,20,341
Corpus left
+₹6,95,341 net gain — withdrew ₹6,75,000 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
₹11,80,821
Value today
-0.5%
vs lumpsum
Direct lumpsum would have beaten STP by 0.5% — but STP reduced timing risk
Model your own STP with real NAVThis fund trailed its benchmark
Top performers in Retirement Fund by 5Y CAGR
ICICI Prudential Retirement Fund - Pure Equity - Growth Option
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option
HDFC Retirement Savings Fund - Equity Plan - Growth Option
₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,52,486
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,52,486 — a 1.5× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹87,569
Regular plan
₹82,105
Direct earns ₹5,464 more on a ₹60K investment — 0.91% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-1.05
Sharpe Ratio
-0.04
Alpha
0.13
Beta
-1.03
Sortino
4.96%
Std Dev
-5.72%
Max Drawdown
Portfolio Holdings
Top 27 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
7.06% Government of India IN0020160068 | 30.90% |
6.68% Government of India IN0020250042 | 16.88% |
8.13% Government of India IN0020150044 | 16.10% |
8.17% Government of India IN0020140078 | 5.01% |
8.3% Government of India IN0020120062 | 1.66% |
8.83% Government of India IN0020110063 | 0.82% |
| Security | % NAV |
|---|---|
ICICI Bank Limited INE090A01021 | 2.62% |
State Bank of India INE062A01020 | 2.12% |
Reliance Industries Limited INE002A01018 | 1.75% |
HDFC Bank Limited INE040A01034 | 1.59% |
NTPC Limited INE733E01010 | 1.27% |
Larsen & Toubro Limited INE018A01030 | 1.20% |
Axis Bank Limited INE238A01034 | 1.09% |
Mahindra & Mahindra Limited INE101A01026 | 0.85% |
Infosys Limited INE009A01021 | 0.83% |
Samvardhana Motherson International Limited INE775A01035 | 0.73% |
Eternal Limited INE758T01015 | 0.71% |
Cummins India Limited INE298A01020 | 0.65% |
Dixon Technologies (India) Limited INE935N01020 | 0.52% |
Tata Consultancy Services Limited INE467B01029 | 0.51% |
SBI Life Insurance Company Limited INE123W01016 | 0.45% |
Crompton Greaves Consumer Electricals Limited INE299U01018 | 0.32% |
Kaynes Technology India Limited INE918Z01012 | 0.28% |
Mishra Dhatu Nigam Limited INE099Z01011 | 0.27% |
Sun Pharmaceutical Industries Limited INE044A01036 | 0.25% |
Tube Investments of India Limited INE974X01010 | 0.22% |
Apollo Hospitals Enterprise Limited INE437A01024 | 0.16% |
Performance Comparison
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Investment Objective
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option 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-Growth Plan - Growth Option 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