Nippon India Retirement Fund- Income Generation Scheme Datagrid
Category Retirement Fund
BMSMONEY Rank 25
Rating
Growth Option 28-04-2026
NAV ₹19.85(R) -0.35% ₹22.79(D) -0.35%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -1.62% 6.48% 5.72% 6.59% 6.67%
Direct -0.54% 7.63% 6.88% 7.79% 7.95%
Nifty 500 TRI 3.99% 15.46% 13.85% 14.16% 14.46%
SIP (XIRR) Regular -2.7% 1.43% 4.63% 5.42% 5.52%
Direct -1.63% 2.54% 5.79% 6.62% 6.74%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.11 0.05 0.41 -1.4% -1.66
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
5.13% -5.47% -5.45% 0.28 3.96%
Fund AUM As on: 30/12/2025 150 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Union Retirement Fund 3
Icici Prudential Retirement Fund - Hybrid Conservative Plan 4
UTI Retirement Fund 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 28-04-2026

Scheme Name NAV Rupee Change Percent Change
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option 19.85
-0.0700
-0.3500%
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option 19.85
-0.0700
-0.3500%
Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option 19.85
-0.0700
-0.3500%
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option 22.79
-0.0800
-0.3500%
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option 22.79
-0.0800
-0.3500%
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan-Growth Plan- Bonus Option 22.79
-0.0800
-0.3500%

Review Date: 28-04-2026

Beginning of Analysis

In the Retirement Fund category, Nippon India Retirement Fund- Income Generation Scheme is the 19th ranked fund. 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 -1.4% which is lower than the category average of 0.12%, showing poor performance. The fund has a Sharpe Ratio of 0.11 which is lower than the category average of 0.38.
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 2.66%, -0.8 and -1.97 in last one, three and six months respectively. In the same period the category average return was 6.96%, -0.01% and -1.73% respectively.
  • Nippon India Retirement Fund- Income Generation Scheme has given a return of -0.54% in last one year. In the same period the Nifty 500 TRI return was 3.99%. The fund has given 4.53% less return than the benchmark return.
  • The fund has given a return of 7.63% in last three years and rank 23rd out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 15.46%. The fund has given 7.83% less return than the benchmark return.
  • Nippon India Retirement Fund- Income Generation Scheme has given a return of 6.88% in last five years and category average returns is 11.16% in same period. The fund ranked 23rd out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 13.85%. The fund has given 6.97% less return than the benchmark return.
  • The fund has given a return of 7.95% in last ten years and ranked 10th out of ten funds in the category. In the same period the Nifty 500 TRI return was 14.46%. The fund has given 6.51% less return than the benchmark return.
  • The fund has given a SIP return of -1.63% in last one year whereas category average SIP return is 1.89%. The fund one year return rank in the category is 24th in 29 funds
  • The fund has SIP return of 2.54% in last three years and ranks 26th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (15.84%) in the category in last three years.
  • The fund has SIP return of 5.79% in last five years whereas category average SIP return is 9.35%.

Nippon India Retirement Fund- Income Generation Scheme Risk Analysis

  • The fund has a standard deviation of 5.13 and semi deviation of 3.96. The category average standard deviation is 9.2 and semi deviation is 7.14.
  • The fund has a Value at Risk (VaR) of -5.47 and a maximum drawdown of -5.45. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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

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

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 2.58 10.92
    6.86
    		0.59 | 14.38 25 | 29 Poor
    3M Return % -1.06 -1.25
    -0.29
    		-4.32 | 3.50 21 | 29 Average
    6M Return % -2.50 -4.18
    -2.29
    		-7.37 | 1.33 17 | 29 Average
    1Y Return % -1.62 3.99
    3.53
    		-1.62 | 16.92 29 | 29 Poor
    3Y Return % 6.48 15.46
    11.79
    		4.78 | 25.14 24 | 26 Poor
    5Y Return % 5.72 13.85
    9.86
    		3.95 | 22.17 22 | 25 Poor
    7Y Return % 6.59 14.16
    9.91
    		4.25 | 18.61 15 | 18 Average
    10Y Return % 6.67 14.46
    10.41
    		6.67 | 15.55 10 | 10 Poor
    1Y SIP Return % -2.70
    0.74
    		-6.86 | 11.81 24 | 29 Average
    3Y SIP Return % 1.43
    4.45
    		1.43 | 14.23 26 | 26 Poor
    5Y SIP Return % 4.63
    8.09
    		3.69 | 18.86 24 | 25 Poor
    7Y SIP Return % 5.42
    10.02
    		3.82 | 21.11 16 | 18 Poor
    10Y SIP Return % 5.52
    9.58
    		5.52 | 14.93 10 | 10 Poor
    Standard Deviation 5.13
    9.20
    		1.27 | 15.52 8 | 26 Good
    Semi Deviation 3.96
    7.14
    		0.97 | 11.69 8 | 26 Good
    Max Drawdown % -5.45
    -10.32
    		-19.00 | -0.76 8 | 26 Good
    VaR 1 Y % -5.47
    -12.90
    		-25.74 | -0.37 6 | 26 Very Good
    Average Drawdown % -2.47
    -5.22
    		-11.62 | -0.38 7 | 26 Very Good
    Sharpe Ratio 0.11
    0.38
    		-0.70 | 1.01 24 | 26 Poor
    Sterling Ratio 0.41
    0.51
    		0.32 | 0.84 24 | 26 Poor
    Sortino Ratio 0.05
    0.17
    		-0.23 | 0.48 24 | 26 Poor
    Jensen Alpha % -1.40
    0.12
    		-3.84 | 8.83 23 | 26 Poor
    Treynor Ratio -1.66
    -1.55
    		-9.84 | -0.38 21 | 26 Average
    Modigliani Square Measure % 7.77
    11.87
    		-3.41 | 21.72 24 | 26 Poor
    Alpha % -5.43
    -1.85
    		-5.47 | 8.91 25 | 26 Poor
    Return data last Updated On : April 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 2.66 10.92 6.96 0.63 | 14.51 25 | 29 Poor
    3M Return % -0.80 -1.25 -0.01 -4.09 | 3.85 21 | 29 Average
    6M Return % -1.97 -4.18 -1.73 -6.89 | 2.05 17 | 29 Average
    1Y Return % -0.54 3.99 4.72 -0.54 | 18.52 29 | 29 Poor
    3Y Return % 7.63 15.46 13.06 5.96 | 26.87 23 | 26 Poor
    5Y Return % 6.88 13.85 11.16 5.20 | 23.86 23 | 25 Poor
    7Y Return % 7.79 14.16 11.29 5.57 | 20.41 15 | 18 Average
    10Y Return % 7.95 14.46 11.71 7.95 | 17.06 10 | 10 Poor
    1Y SIP Return % -1.63 1.89 -5.90 | 13.36 24 | 29 Average
    3Y SIP Return % 2.54 5.63 2.54 | 15.84 26 | 26 Poor
    5Y SIP Return % 5.79 9.35 4.88 | 20.54 23 | 25 Poor
    7Y SIP Return % 6.62 11.38 5.06 | 22.86 16 | 18 Poor
    10Y SIP Return % 6.74 10.84 6.74 | 16.34 10 | 10 Poor
    Standard Deviation 5.13 9.20 1.27 | 15.52 8 | 26 Good
    Semi Deviation 3.96 7.14 0.97 | 11.69 8 | 26 Good
    Max Drawdown % -5.45 -10.32 -19.00 | -0.76 8 | 26 Good
    VaR 1 Y % -5.47 -12.90 -25.74 | -0.37 6 | 26 Very Good
    Average Drawdown % -2.47 -5.22 -11.62 | -0.38 7 | 26 Very Good
    Sharpe Ratio 0.11 0.38 -0.70 | 1.01 24 | 26 Poor
    Sterling Ratio 0.41 0.51 0.32 | 0.84 24 | 26 Poor
    Sortino Ratio 0.05 0.17 -0.23 | 0.48 24 | 26 Poor
    Jensen Alpha % -1.40 0.12 -3.84 | 8.83 23 | 26 Poor
    Treynor Ratio -1.66 -1.55 -9.84 | -0.38 21 | 26 Average
    Modigliani Square Measure % 7.77 11.87 -3.41 | 21.72 24 | 26 Poor
    Alpha % -5.43 -1.85 -5.47 | 8.91 25 | 26 Poor
    Return data last Updated On : April 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

    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.


    Date Nippon India Retirement Fund- Income Generation Scheme NAV Regular Growth Nippon India Retirement Fund- Income Generation Scheme NAV Direct Growth
    28-04-2026 19.8461 22.7886
    27-04-2026 19.9167 22.8689
    24-04-2026 19.8603 22.8022
    23-04-2026 19.9156 22.865
    22-04-2026 20.0219 22.9864
    21-04-2026 20.0243 22.9885
    20-04-2026 19.989 22.9473
    17-04-2026 19.9549 22.9062
    16-04-2026 19.9499 22.8998
    15-04-2026 19.9275 22.8734
    13-04-2026 19.8105 22.7378
    10-04-2026 19.8537 22.7854
    09-04-2026 19.7396 22.6538
    08-04-2026 19.8163 22.7412
    07-04-2026 19.4729 22.3465
    06-04-2026 19.4667 22.3387
    02-04-2026 19.315 22.1621
    30-03-2026 19.3478 22.1977

    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.