Nippon India Retirement Fund- Income Generation Scheme

Review Date: 04-12-2025

Beginning of Analysis

Nippon India Retirement Fund- Income Generation Scheme is the 19th ranked fund in the Retirement Fund category. The category has total 26 funds. The 2 star rating shows a poor past performance of the Nippon India Retirement Fund- Income Generation Scheme in Retirement Fund. The fund has a Jensen Alpha of 4.31% which is higher than the category average of 3.01%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.64 which is lower than the category average of 0.77.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Nippon India Retirement Fund- Income Generation Scheme Return Analysis

The Nippon India Retirement Fund- Income Generation Scheme has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

• The fund has given a return of 0.33%, 1.32 and -0.3 in last one, three and six months respectively. In the same period the category average return was 0.16%, 2.59% and 3.25% respectively.
• Nippon India Retirement Fund- Income Generation Scheme has given a return of 3.54% in last one year. In the same period the Nifty 500 TRI return was 3.82%. The fund has given 0.28% less return than the benchmark return.
• The fund has given a return of 8.9% in last three years and rank 23rd out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.22%. The fund has given 6.32% less return than the benchmark return.
• Nippon India Retirement Fund- Income Generation Scheme has given a return of 7.73% in last five years and category average returns is 13.13% in same period. The fund ranked 18th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 17.88%. The fund has given 10.15% less return than the benchmark return.
• The fund has given a return of 8.35% in last ten years and ranked 7th out of seven funds in the category. In the same period the Nifty 500 TRI return was 14.96%. The fund has given 6.61% less return than the benchmark return.
• The fund has given a SIP return of 3.84% in last one year whereas category average SIP return is 9.57%. The fund one year return rank in the category is 29th in 29 funds
• The fund has SIP return of 8.04% in last three years and ranks 23rd in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (24.11%) in the category in last three years.
• The fund has SIP return of 7.47% in last five years whereas category average SIP return is 11.76%.

Nippon India Retirement Fund- Income Generation Scheme Risk Analysis

• The fund has a standard deviation of 4.32 and semi deviation of 3.11. The category average standard deviation is 8.1 and semi deviation is 5.99.
• The fund has a Value at Risk (VaR) of -4.53 and a maximum drawdown of -2.77. The category average VaR is -9.67 and the maximum drawdown is -9.97. The fund has a beta of 0.25 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.

Very Good Performance in Retirement Fund Category

Good Performance in Retirement Fund Category

Poor Performance in Retirement Fund Category

Very Poor Performance in Retirement Fund Category

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Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

Data Source: www.amfiindia.com

SEBI Categorization