Nippon India Retirement Fund- Income Generation Scheme Overview
Category Retirement Fund
BMSMONEY Rank 19
BMSMONEY Rating
Gro. Opt. As On: 20-12-2024
NAV ₹19.64(R) -0.51% ₹22.21(D) -0.51%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 11.85% 7.83% 7.65% 7.1% -%
LumpSum (D) 13.0% 9.0% 8.9% 8.34% -%
SIP (R) -37.3% 4.95% 6.81% 7.37% -%
SIP (D) -36.57% 6.14% 8.05% 8.6% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.13 0.06 0.48 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.68% -4.56% -5.63% - 3.31%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Nippon India Retirement Fund - Wealth Creation Scheme 4
Tata Retirement Savings Fund-Moderate Plan 5
Tata Retirement Savings Fund-Progressive Plan 6

NAV Date: 20-12-2024

Scheme Name NAV Rupee Change Percent Change
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option 19.64
-0.1000
-0.5100%
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option 19.64
-0.1000
-0.5100%
Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option 19.64
-0.1000
-0.5100%
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option 22.21
-0.1100
-0.5100%
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option 22.21
-0.1100
-0.5100%
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan-Growth Plan- Bonus Option 22.21
-0.1100
-0.5100%

Review Date: 20-12-2024

Nippon India Retirement Fund- Income Generation Scheme has exhibited poor performance in the Retirement Fund category. The fund has rank of 19 out of 25 funds in the category. The fund has delivered return of 11.85% in 1 year, 7.83% in 3 years and 7.65% in 5 years. The category average for the same periods is 16.74%, 12.31% and 12.6% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 4.68, VaR of -4.56, Average Drawdown of -1.86, Semi Deviation of 3.31 and Max Drawdown of -5.63. The category average for the same parameters is 7.85, -8.9, -3.26, 5.5 and -6.98 respectively. The fund has low risk in the category.

Key Points:

  1. An investment of ₹10,000 in Nippon India Retirement Fund- Income Generation Scheme direct growth option would have grown to ₹11300.0 in 1 year, ₹12950.0 in 3 years and ₹15319.0 in 5 years as of today (20-12-2024).
  2. An SIP of ₹1,000 per month in Nippon India Retirement Fund- Income Generation Scheme direct growth option would have grown to ₹9460.0 in 1 year, ₹39521.0 in 3 years and ₹73509.0 in 5 years as of today (20-12-2024).
  3. standard deviation of 4.68 and based on VaR one can expect to lose more than -4.56% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.13 which shows average performance of fund in the retirement fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 1.25
1.83
0.29 | 5.59 18 | 29 Average
3M Return % -0.82
-3.19
-7.60 | 1.36 7 | 29 Very Good
6M Return % 3.49
3.03
-2.50 | 6.36 13 | 29 Good
1Y Return % 11.85
16.74
6.09 | 29.67 19 | 27 Average
3Y Return % 7.83
12.31
3.97 | 22.14 20 | 25 Average
5Y Return % 7.65
12.60
4.08 | 23.44 15 | 18 Average
7Y Return % 7.10
10.32
7.06 | 16.22 9 | 10 Average
1Y SIP Return % -37.30
-36.11
-39.30 | -30.01 16 | 27 Average
3Y SIP Return % 4.95
10.41
-0.16 | 22.72 19 | 25 Average
5Y SIP Return % 6.81
12.97
2.45 | 26.40 15 | 18 Average
7Y SIP Return % 7.37
12.90
7.37 | 21.23 10 | 10 Poor
Standard Deviation 4.68
7.85
1.23 | 13.56 8 | 25 Good
Semi Deviation 3.31
5.50
0.98 | 9.65 8 | 25 Good
Max Drawdown % -5.63
-6.98
-15.04 | -0.64 11 | 25 Good
VaR 1 Y % -4.56
-8.90
-17.51 | -0.93 8 | 25 Good
Average Drawdown % -1.86
-3.26
-7.29 | -0.64 8 | 25 Good
Sharpe Ratio 0.13
0.39
-1.71 | 1.13 20 | 25 Average
Sterling Ratio 0.48
0.69
0.33 | 1.18 22 | 25 Poor
Sortino Ratio 0.06
0.23
-0.47 | 0.61 20 | 25 Average
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 1.33 1.92 0.37 | 5.71 18 | 29
3M Return % -0.56 -2.90 -7.35 | 1.61 6 | 29
6M Return % 4.04 3.65 -1.95 | 7.05 13 | 29
1Y Return % 13.00 18.10 7.34 | 31.57 19 | 27
3Y Return % 9.00 13.64 5.25 | 23.89 21 | 25
5Y Return % 8.90 14.02 5.41 | 24.94 15 | 18
7Y Return % 8.34 11.59 8.34 | 17.71 10 | 10
1Y SIP Return % -36.57 -35.27 -38.52 | -28.86 17 | 27
3Y SIP Return % 6.14 11.78 1.14 | 24.56 19 | 25
5Y SIP Return % 8.05 14.39 3.78 | 28.25 15 | 18
7Y SIP Return % 8.60 14.19 8.60 | 22.69 10 | 10
Standard Deviation 4.68 7.85 1.23 | 13.56 8 | 25
Semi Deviation 3.31 5.50 0.98 | 9.65 8 | 25
Max Drawdown % -5.63 -6.98 -15.04 | -0.64 11 | 25
VaR 1 Y % -4.56 -8.90 -17.51 | -0.93 8 | 25
Average Drawdown % -1.86 -3.26 -7.29 | -0.64 8 | 25
Sharpe Ratio 0.13 0.39 -1.71 | 1.13 20 | 25
Sterling Ratio 0.48 0.69 0.33 | 1.18 22 | 25
Sortino Ratio 0.06 0.23 -0.47 | 0.61 20 | 25
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D -0.51 ₹ 9,949.00 -0.51 ₹ 9,949.00
1W -1.12 ₹ 9,888.00 -1.10 ₹ 9,890.00
1M 1.25 ₹ 10,125.00 1.33 ₹ 10,133.00
3M -0.82 ₹ 9,918.00 -0.56 ₹ 9,944.00
6M 3.49 ₹ 10,349.00 4.04 ₹ 10,404.00
1Y 11.85 ₹ 11,185.00 13.00 ₹ 11,300.00
3Y 7.83 ₹ 12,537.00 9.00 ₹ 12,950.00
5Y 7.65 ₹ 14,459.00 8.90 ₹ 15,319.00
7Y 7.10 ₹ 16,165.00 8.34 ₹ 17,515.00
10Y ₹ ₹
15Y ₹ ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -37.30 ₹ 9,404.77 -36.57 ₹ 9,459.73
3Y ₹ 36000 4.95 ₹ 38,818.58 6.14 ₹ 39,520.91
5Y ₹ 60000 6.81 ₹ 71,272.62 8.05 ₹ 73,509.18
7Y ₹ 84000 7.37 ₹ 109,184.63 8.60 ₹ 114,110.39
10Y ₹ 120000 ₹ ₹
15Y ₹ 180000 ₹ ₹


Date Nippon India Retirement Fund- Income Generation Scheme NAV Regular Growth Nippon India Retirement Fund- Income Generation Scheme NAV Direct Growth
20-12-2024 19.6364 22.2123
19-12-2024 19.7369 22.3255
18-12-2024 19.8113 22.4089
17-12-2024 19.8204 22.4186
16-12-2024 19.8746 22.4792
13-12-2024 19.8598 22.4604
12-12-2024 19.8051 22.398
11-12-2024 19.8317 22.4274
10-12-2024 19.8476 22.4447
09-12-2024 19.8203 22.4132
06-12-2024 19.7843 22.3705
05-12-2024 19.8398 22.4326
04-12-2024 19.7977 22.3843
03-12-2024 19.7466 22.326
02-12-2024 19.7019 22.2747
29-11-2024 19.6045 22.1626
28-11-2024 19.5595 22.1112
27-11-2024 19.5976 22.1536
26-11-2024 19.5876 22.1415
25-11-2024 19.5638 22.1141
22-11-2024 19.4627 21.9978
21-11-2024 19.3946 21.9203

Fund Launch Date: 22/Jan/2015
Fund Category: Retirement Fund
Investment Objective: The investment objective of the scheme is to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in fixed income oriented portfolio with a low to moderate exposure (upto 30%) in equities. Thus the fund attempts to generate potentially higher returns by combining stability of fixed income along with growth possibilities of equities. On the fixed income allocation the fund will attempt to have an optimal blend of duration and accruals with investments in high quality instruments. The equity portolio will be invested pre-dominantly in large cap companies with tactical allocation to mid cap stocks. The fund is well suited for investors in the post -retirement phase seeking regular income with lower volatility
Fund Description: An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
Fund Benchmark: 80% of CRISIL Long Term Debt Index +20% of S&P BSE 500 Total Return Index
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.