Nippon India Retirement Fund- Income Generation Scheme Overview
Category Retirement Fund
BMSMONEY Rank 18
BMSMONEY Rating
Gro. Opt. As On: 29-01-2025
NAV ₹19.51(R) +0.23% ₹22.1(D) +0.24%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 9.43% 7.85% 7.54% 7.01% -%
LumpSum (D) 10.57% 9.03% 8.79% 8.24% -%
SIP (R) -10.83% 7.54% 7.41% 6.66% -%
SIP (D) -9.89% 8.71% 8.61% 7.85% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.14 0.07 0.49 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.67% -4.56% -5.39% - 3.32%
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
Tata Retirement Savings Fund-Moderate Plan 4
Tata Retirement Savings Fund-Progressive Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 29-01-2025

Scheme Name NAV Rupee Change Percent Change
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option 19.51
0.0500
0.2300%
Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option 19.51
0.0500
0.2300%
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option 19.52
0.0500
0.2300%
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option 22.1
0.0500
0.2400%
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option 22.1
0.0500
0.2400%
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan-Growth Plan- Bonus Option 22.1
0.0500
0.2400%

Review Date: 29-01-2025

Nippon India Retirement Fund- Income Generation Scheme has shown poor performance in the Retirement Fund category. The fund has rank of 18 out of 25 funds in the category. The fund has delivered return of 9.43% in 1 year, 7.85% in 3 years and 7.54% in 5 years. The category average for the same periods is 9.72%, 10.52% and 11.46% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 4.67, VaR of -4.56, Average Drawdown of -1.81, Semi Deviation of 3.32 and Max Drawdown of -5.39. The category average for the same parameters is 7.95, -8.96, -3.54, 5.55 and -7.43 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 ₹11057.0 in 1 year, ₹12960.0 in 3 years and ₹15240.0 in 5 years as of today (29-01-2025).
  2. An SIP of ₹1,000 per month in Nippon India Retirement Fund- Income Generation Scheme direct growth option would have grown to ₹11346.0 in 1 year, ₹41062.0 in 3 years and ₹74561.0 in 5 years as of today (29-01-2025).
  3. standard deviation of 4.67 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 0.14 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 % -0.42 -4.91
-3.26
-8.16 | 0.61 4 | 29 Very Good
3M Return % -0.54 -6.67
-3.35
-8.02 | 1.52 5 | 29 Very Good
6M Return % 1.03 -8.83
-3.37
-9.51 | 3.27 4 | 29 Very Good
1Y Return % 9.43 8.83
9.72
6.22 | 15.79 12 | 27 Good
3Y Return % 7.85 13.65
10.52
4.32 | 18.21 20 | 25 Average
5Y Return % 7.54 17.46
11.46
4.11 | 21.64 17 | 21 Average
7Y Return % 7.01 12.89
9.42
6.68 | 14.92 9 | 10 Average
1Y SIP Return % -10.83
-4.95
-13.46 | 5.51 21 | 27 Average
3Y SIP Return % 7.54
11.74
3.68 | 22.41 19 | 25 Average
5Y SIP Return % 7.41
12.33
3.82 | 24.88 17 | 21 Average
7Y SIP Return % 6.66
11.88
6.38 | 20.05 9 | 10 Average
Standard Deviation 4.67
7.95
1.17 | 13.76 8 | 25 Good
Semi Deviation 3.32
5.55
0.94 | 9.72 8 | 25 Good
Max Drawdown % -5.39
-7.43
-16.28 | -0.64 11 | 25 Good
VaR 1 Y % -4.56
-8.96
-17.51 | -0.28 8 | 25 Good
Average Drawdown % -1.81
-3.54
-7.99 | -0.53 7 | 25 Very Good
Sharpe Ratio 0.14
0.32
-1.67 | 1.01 20 | 25 Average
Sterling Ratio 0.49
0.64
0.34 | 1.05 20 | 25 Average
Sortino Ratio 0.07
0.19
-0.46 | 0.54 20 | 25 Average
Return data last Updated On : Jan. 29, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -0.33 -4.91 -3.16 -8.05 | 0.71 4 | 29
3M Return % -0.27 -6.67 -3.06 -7.73 | 1.77 5 | 29
6M Return % 1.58 -8.83 -2.79 -9.07 | 3.79 3 | 29
1Y Return % 10.57 8.83 10.99 7.47 | 17.38 12 | 27
3Y Return % 9.03 13.65 11.82 5.60 | 19.86 19 | 25
5Y Return % 8.79 17.46 12.91 5.44 | 23.38 17 | 21
7Y Return % 8.24 12.89 10.69 8.00 | 16.38 9 | 10
1Y SIP Return % -9.89 -3.83 -12.92 | 6.20 20 | 27
3Y SIP Return % 8.71 13.06 4.95 | 24.15 19 | 25
5Y SIP Return % 8.61 13.77 5.12 | 26.66 17 | 21
7Y SIP Return % 7.85 13.14 7.65 | 21.49 9 | 10
Standard Deviation 4.67 7.95 1.17 | 13.76 8 | 25
Semi Deviation 3.32 5.55 0.94 | 9.72 8 | 25
Max Drawdown % -5.39 -7.43 -16.28 | -0.64 11 | 25
VaR 1 Y % -4.56 -8.96 -17.51 | -0.28 8 | 25
Average Drawdown % -1.81 -3.54 -7.99 | -0.53 7 | 25
Sharpe Ratio 0.14 0.32 -1.67 | 1.01 20 | 25
Sterling Ratio 0.49 0.64 0.34 | 1.05 20 | 25
Sortino Ratio 0.07 0.19 -0.46 | 0.54 20 | 25
Return data last Updated On : Jan. 29, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.23 ₹ 10,023.00 0.24 ₹ 10,024.00
1W 0.25 ₹ 10,025.00 0.27 ₹ 10,027.00
1M -0.42 ₹ 9,958.00 -0.33 ₹ 9,967.00
3M -0.54 ₹ 9,946.00 -0.27 ₹ 9,973.00
6M 1.03 ₹ 10,103.00 1.58 ₹ 10,158.00
1Y 9.43 ₹ 10,943.00 10.57 ₹ 11,057.00
3Y 7.85 ₹ 12,544.00 9.03 ₹ 12,960.00
5Y 7.54 ₹ 14,381.00 8.79 ₹ 15,240.00
7Y 7.01 ₹ 16,070.00 8.24 ₹ 17,403.00
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 -10.83 ₹ 11,282.57 -9.89 ₹ 11,345.62
3Y ₹ 36000 7.54 ₹ 40,357.87 8.71 ₹ 41,061.85
5Y ₹ 60000 7.41 ₹ 72,350.28 8.61 ₹ 74,561.04
7Y ₹ 84000 6.66 ₹ 106,478.23 7.85 ₹ 111,082.19
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
29-01-2025 19.5125 22.0987
28-01-2025 19.4671 22.0466
27-01-2025 19.4841 22.0653
24-01-2025 19.4769 22.055
23-01-2025 19.5019 22.0827
22-01-2025 19.4645 22.0397
21-01-2025 19.441 22.0124
20-01-2025 19.5068 22.0863
17-01-2025 19.4551 22.0257
16-01-2025 19.4832 22.0569
15-01-2025 19.4149 21.9789
14-01-2025 19.3684 21.9256
13-01-2025 19.3394 21.8921
10-01-2025 19.5198 22.0943
09-01-2025 19.5423 22.1191
08-01-2025 19.5762 22.1568
07-01-2025 19.6198 22.2055
06-01-2025 19.5584 22.1354
03-01-2025 19.6287 22.213
02-01-2025 19.6678 22.2566
01-01-2025 19.6094 22.1897
31-12-2024 19.6234 22.2049
30-12-2024 19.5944 22.1715

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.