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Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth

NAV as of Apr 23, 2025Returns since inceptionET Money RankVRO Ratings
8.49% p.a.
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2

Historical NAV & returns

NAV: ₹22.98 as on Apr 23, 2025
This fund Category average
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This fund Category average

Nippon India Retirement Fund - Income Generation Scheme overview

VRO rating2
Expense ratio0.91% as on Mar 31, 2025
Exit load0%info
Exit load of 1% if redeemed before the age of 60 yrs.!
AUM (Fund size)153 Crs
Lock-in5 Years
Age10 yrs 3 m since Jan 22, 2015
BenchmarkCRISIL Hybrid 85+15 Conservative
Min. investment

SIP 500  &  Lump. 5000

RiskModerately HighModerately High Risk

Nippon India Retirement Fund - Income Generation Scheme Returns calculator

Investment type
Investment period
Investment period
Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.
  • Total investment ₹ 12 lakh
  • Profit ₹12 lakhs
  • Total corpus ₹1 lakh
  • Absolute return 52.69%

Trailing returns as on Apr 24, 2025

PeriodThis fundCategory average
1 month 2.83% 2.57%
3 months 4.19% 3.47%
6 months 3.86% 1.14%
1 year 12.09% 10.38%
3 years 10.58% 12.96%
5 years 9.84% 14.95%
7 years 8.95% 10.36%
10 years 8.67% 10.14%

Asset allocationas on Mar 31, 2025

Large Cap 16.29978%

Mid Cap 2.36991%

Small Cap 1.03031%

Other Cap 0.0%

Top sectors

Financial 6.890000000000001%

Energy 2.32%

Technology 2.25%

Capital Goods 1.99%

SOV 74.65%

Cash & Call Money 5.61%

Others 0.04%

Top Debt Holdings

GOI 37.72%

Others 0.04%

Allocation by Instruments

Central Government Loan 37.72%

GOI Securities 36.93%

Repo 4.67%

Net Current Assets 0.94%

Other Holdings

Others 0.94%

Peer comparison

Fund nameETM RankAUM (in Crs.)Fund ageExpense ratio
Nippon India Retirement Fund - Income Generation SchemeN.A.₹153 Crs10 yrs 3 m0.91%
HDFC Retirement Savings Fund - Hybrid Debt PlanN.A.₹159 Crs9 yrs 2 m1.02%
UTI Retirement FundN.A.₹4,564 Crs12 yrs 3 m1.04%
HDFC Retirement Savings Fund - Hybrid Equity PlanN.A.₹1,567 Crs9 yrs 2 m0.95%
ICICI Prudential Retirement Fund - Hybrid Aggressive PlanN.A.₹755 Crs6 yrs 2 m1.03%
ICICI Prudential Retirement Fund - Hybrid Conservative PlanN.A.₹79 Crs6 yrs 2 m0.6%
Fund name1M6M1Y3Y5Y10Y
Nippon India Retirement Fund - Income Generation Scheme2.83%3.86%12.09%10.58%9.84%8.67%
HDFC Retirement Savings Fund - Hybrid Debt Plan2.01%2.82%9.75%10.59%10.98%9.12%
UTI Retirement Fund2.86%2.48%12.61%13.68%16.71%10.28%
HDFC Retirement Savings Fund - Hybrid Equity Plan2.11%-0.65%9.5%16.81%22.55%15.53%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan3.16%-1.31%7.79%20.16%24.39%10.2%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan2.21%2.77%8.79%10.99%11.45%6.18%
Fund nameStd. deviationBetaSharpeSortino
Nippon India Retirement Fund - Income Generation Scheme4.891.080.591.04
HDFC Retirement Savings Fund - Hybrid Debt Plan3.80.860.851.67
UTI Retirement Fund6.070.60.931.76
HDFC Retirement Savings Fund - Hybrid Equity Plan9.290.740.941.68
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan12.961.00.841.36
ICICI Prudential Retirement Fund - Hybrid Conservative Plan4.611.00.771.27

Key risk & return ratios Compared to other funds in the category

Alpha 0.77 vs. 3.73 Underperformed at beating benchmark
Sharpe 0.59 vs. 3.41 Poor risk-adjusted returns
Beta 1.08 vs. 0.9 More sensitive to market's ups & downs
Standard deviation 4.89 vs. 6.89 More stable returns

Compare Nippon India Retirement Fund - Income Generation Scheme in detail with

ET Money rank

in Retirement Solutions
#NA
Ranking for this fund is unavailable.
  • Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
  • Return Outperformance: This fund has generated highest return amongst Retirement Solutions funds in the last 1 Year.
  • Return/Risk: For every unit of risk this fund takes, it produces 20% more returns.
  • Exit Load: This fund has no exit load.
  • Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.