Nippon India Retirement Fund - Income Generation Scheme - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Retirement Fund

Fund House : Nippon India Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 23.1522 0.18%
(as on 07th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 150.9 Cr

(0.48% of Investment in Category)

Expense Ratio

: 0.98%

(0.96% Category average)

Risk-O-Meter

Moderately High Risk

Retirement Fund :Retirement Fund : The fund has 20.98% investment in domestic equities of which 14.3% is in Large Cap stocks, 1.32% is in Mid Cap stocks, 0.6% in Small Cap stocks.The fund has 76.45% investment in Debt, of which 76.45% in Government securities.

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This Scheme

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CRISIL Hybrid 85+15 - Conservative Index

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NA
0.66%

2.55%

5.48%

5.15%

14.57%

14.13%

12.79%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 07th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	31-Oct-25	10025.20	0.25%	-	-0.44%	1/29
1 Month	07-Oct-25	10000.40	-	-	0.66%	24/29
3 Month	07-Aug-25	10063.00	0.63%	-	2.55%	28/29
6 Month	07-May-25	10063.10	0.63%	-	5.48%	29/29
YTD	01-Jan-25	10433.80	4.34%	-	5.45%	23/29
1 Year	07-Nov-24	10450.50	4.50%	4.50%	5.15%	19/29
2 Year	07-Nov-23	12116.80	21.17%	10.06%	14.57%	21/27
3 Year	07-Nov-22	13266.10	32.66%	9.87%	13.76%	22/26
5 Year	06-Nov-20	14857.20	48.57%	8.23%	14.13%	18/21
10 Year	06-Nov-15	22237.80	122.38%	8.31%	11.19%	7/7
Since Inception	11-Feb-15	23152.20	131.52%	8.13%	12.79%	26/29

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 07th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	07-Nov-24	12000	12292.34	2.44 %	4.53 %
2 Year	07-Nov-23	24000	25717.59	7.16 %	6.78 %
3 Year	07-Nov-22	36000	40907.43	13.63 %	8.46 %
5 Year	06-Nov-20	60000	74193.19	23.66 %	8.41 %
10 Year	06-Nov-15	120000	184276.75	53.56 %	8.3 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 30th Sep,2025)

Equity Holding : 20.98% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 20.98%

No of Stocks : 26 (Category Avg - 53.59) | Large Cap Investments : 14.3%| Mid Cap Investments : 1.32% | Small Cap Investments : 0.6% | Other : 4.76%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
ICICI Bank Ltd.	Private sector bank	40.4	2.68%	-0.11%	2.88% (Jul 2025)	2.17% (Feb 2025)	30.00 k
HDFC Bank Ltd.	Private sector bank	35.2	2.33%	-0.01%	2.42% (Jul 2025)	1.73% (Oct 2024)	37.00 k
State Bank Of India	Public sector bank	26.2	1.73%	0.13%	1.73% (Sep 2025)	0.97% (Oct 2024)	30.00 k
Reliance Industries Ltd.	Refineries & marketing	24.6	1.63%	0.01%	1.75% (Jun 2025)	1.41% (Dec 2024)	18.00 k
Larsen & Toubro Ltd.	Civil construction	17.4	1.15%	0.01%	1.15% (Sep 2025)	0.91% (Nov 2024)	4.75 k
National Thermal Power Corporation Ltd.	Power generation	16.2	1.07%	0.04%	1.12% (Apr 2025)	0.45% (Dec 2024)	47.50 k
Axis Bank Ltd.	Private sector bank	14.7	0.97%	0.07%	1.02% (Jun 2025)	0.84% (Jan 2025)	13.00 k
Infosys Ltd.	Computers - software & consulting	14.4	0.96%	-0.02%	1.27% (Dec 2024)	0.93% (Apr 2025)	10.00 k
Eternal Ltd.	E-retail/ e-commerce	14	0.93%	0.03%	0.93% (Sep 2025)	0.57% (Mar 2025)	43.00 k
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	13.7	0.91%	0.06%	0.93% (Sep 2025)	0.52% (Feb 2025)	4.00 k

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 7 (Category Avg - 8.55) | Modified Duration 9.51 Years (Category Avg - 5.49)| Yield to Maturity 7.08% (Category Avg - 6.70%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	76.45%	23.75%
T-Bills	0.00%	0.00%
NCD & Bonds	0.00%	9.04%
PTC	0.00%	0.34%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	76.45%	23.76%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	1.50%
TREPS	TREPS	1.04%
Margin	Margin	0.03%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

3.91vs7.77

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1.37vs0.99

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.7vs0.81

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.02vs0.07

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.67vs0.48

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Retirement Fund - Pure Equity Plan - Direct Plan - Growth	NA	1410.05	3.05	6.14	15.10	12.88	25.33
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth	NA	937.42	1.50	5.57	12.43	10.80	21.76
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan - Growth	NA	83.12	0.40	2.52	5.79	8.97	11.91
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth	NA	113.45	1.45	4.25	7.40	7.73	14.60
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth	NA	26.37	0.83	2.52	4.59	7.22	9.94
ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth	NA	98.13	0.16	1.01	2.03	7.00	7.49
Baroda BNP Paribas Retirement Fund - Direct Plan - Growth	NA	376.30	1.91	4.17	7.44	6.84	0.00
Bandhan Retirement Fund - Direct Plan - Growth	NA	182.16	0.64	2.67	4.98	6.41	0.00
Aditya Birla Sun Life Retirement Fund - The 30s Plan - Direct - Growth	NA	410.53	1.74	4.34	12.17	6.36	16.27
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Direct - Growth	NA	17.09	0.31	1.08	1.86	6.30	6.88

Detailed Comparison

More Funds from Nippon India Mutual Fund

Out of 84 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 5 is/are ranked 4 * , 18 is/are ranked 3 * , 3 is/are ranked 2 * , 1 is/are ranked 1 * , and 56 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Small Cap Fund - Direct Plan - Growth	3	66136.11	0.18	1.50	9.94	-4.75	22.84
Nippon India Multicap Fund - Direct Plan - Growth	4	47294.47	-0.03	2.05	9.30	3.32	22.33
Nippon India Large Cap Fund - Direct Plan - Growth	5	46463.11	0.86	3.77	7.97	7.09	19.46
Nippon India Growth Mid Cap Fund - Direct Plan - Growth	4	39328.98	1.37	4.14	10.79	4.62	25.49
Nippon India Liquid Fund - Direct Plan - Growth	1	27071.82	0.48	1.46	3.05	6.78	7.10
Nippon India Money Market Fund - Direct Plan - Growth	2	23246.25	0.49	1.49	3.43	7.76	7.72
Nippon India Arbitrage Fund - Direct Plan - Growth	3	15516.06	0.62	1.58	3.12	6.97	7.72
Nippon India ELSS Tax Saver Fund - Direct Plan - Growth	3	15059.64	1.66	3.09	7.75	3.81	17.89
Nippon India Ultra Short Duration Fund - Direct Plan - Growth	2	10507.39	0.52	1.62	3.54	7.74	7.76
Nippon India Corporate Bond Fund - Direct Plan - Growth	3	9921.51	0.61	1.48	3.31	8.83	8.46