Nippon India Retirement Fund- Income Generation Scheme Datagrid
Category Retirement Fund
BMSMONEY Rank 23
Rating
Growth Option 19-10-2026
NAV ₹19.79(R) -0.29% ₹22.84(D) -0.28%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -2.97% 5.3% -% 5.83% 5.61%
Direct -1.91% 6.44% -% 7.04% 6.87%
Benchmark
SIP (XIRR) Regular -32.09% -6.32% 0.77% 2.45% 3.78%
Direct -31.31% -5.21% 1.94% 3.65% 5.01%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.13 0.06 0.42 -0.66% 0.04
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
5.21% -5.47% -5.44% 0.23 3.98%
Fund AUM As on: 30/12/2025 150 Cr
Top Retirement Fund
Fund Name Rank Rating
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan 1
ICICI Prudential Retirement Fund - Pure Equity Plan 2
Aditya Birla Sun Life Retirement Fund - The 30s Plan 3
ICICI Prudential Retirement Fund - Hybrid Conservative Plan 4
Union Retirement Fund 5
UTI Retirement Fund 6

NAV Date: 19-10-2026

Scheme Name NAV Rupee Change Percent Change
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option 19.79
-0.0600
-0.2900%
Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option 19.79
-0.0600
-0.2900%
Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option 19.79
-0.0600
-0.2900%
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option 22.84
-0.0600
-0.2800%
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option 22.84
-0.0600
-0.2800%
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan-Growth Plan- Bonus Option 22.84
-0.0600
-0.2800%

Review Date: 19-10-2026

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 -0.66% which is lower than the category average of 0.09%, reflecting poor performance. The fund has a Sharpe Ratio of 0.13 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 -1.86%, -2.78 and -0.46 in last one, three and six months respectively. In the same period the category average return was -2.69%, -3.19% and -0.38% respectively.
  • Nippon India Retirement Fund- Income Generation Scheme has given a return of -1.91% in last one year. In the same period the Nifty 500 TRI return was -2.0%. The fund has given 0.09% more return than the benchmark return.
  • The fund has given a return of 6.44% in last three years and rank 23rd out of twenty seven funds in the category. In the same period the Nifty 500 TRI return was 9.99%. The fund has given 3.55% less return than the benchmark return.
  • The fund has given a return of 6.87% in last ten years and ranked 10th out of ten funds in the category. In the same period the Nifty 500 TRI return was 12.97%. The fund has given 6.1% less return than the benchmark return.
  • The fund has given a SIP return of -31.31% in last one year whereas category average SIP return is -14.17%. The fund one year return rank in the category is 26th in 29 funds
  • The fund has SIP return of -5.21% in last three years and ranks 24th in 27 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (11.0%) in the category in last three years.
  • The fund has SIP return of 1.94% in last five years whereas category average SIP return is 6.61%.

Nippon India Retirement Fund- Income Generation Scheme Risk Analysis

  • The fund has a standard deviation of 5.21 and semi deviation of 3.98. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -5.47 and a maximum drawdown of -5.44. 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 Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.95 -3.56
    -2.77
    		-4.75 | -0.57 10 | 29 Good
    3M Return % -3.05 -5.33
    -3.45
    		-6.14 | -0.54 11 | 29 Good
    6M Return % -1.00 -2.97
    -0.93
    		-5.13 | 4.93 14 | 29 Good
    1Y Return % -2.97 -6.21
    -2.70
    		-9.41 | 6.11 17 | 29 Average
    3Y Return % 5.30 9.43
    7.86
    		4.57 | 16.51 25 | 27 Poor
    7Y Return % 5.83 13.95
    9.69
    		3.88 | 18.37 15 | 18 Average
    10Y Return % 5.61 12.58
    8.89
    		5.61 | 13.16 10 | 10 Poor
    1Y SIP Return % -32.09
    -15.16
    		-43.77 | 6.65 26 | 29 Poor
    3Y SIP Return % -6.32
    -0.42
    		-7.23 | 9.54 25 | 27 Poor
    5Y SIP Return % 0.77
    5.38
    		0.60 | 14.43 23 | 25 Poor
    7Y SIP Return % 2.45
    7.94
    		1.41 | 18.28 17 | 18 Poor
    10Y SIP Return % 3.78
    8.11
    		3.78 | 13.11 10 | 10 Poor
    Standard Deviation 5.21
    9.65
    		1.31 | 16.38 7 | 26 Very Good
    Semi Deviation 3.98
    7.17
    		0.96 | 11.68 7 | 26 Very Good
    Max Drawdown % -5.44
    -10.32
    		-19.00 | -0.74 8 | 26 Good
    VaR 1 Y % -5.47
    -12.90
    		-25.74 | -0.37 6 | 26 Very Good
    Average Drawdown % 2.47
    5.15
    		0.38 | 11.62 20 | 26 Average
    Sharpe Ratio 0.13
    0.38
    		-0.55 | 0.91 25 | 26 Poor
    Sterling Ratio 0.42
    0.51
    		0.33 | 0.81 22 | 26 Poor
    Sortino Ratio 0.06
    0.18
    		-0.19 | 0.46 25 | 26 Poor
    Jensen Alpha % -0.66
    0.09
    		-3.62 | 6.21 16 | 26 Average
    Treynor Ratio 0.04
    0.07
    		-0.19 | 0.19 24 | 26 Poor
    Modigliani Square Measure % 2.02
    5.75
    		-8.49 | 14.04 25 | 26 Poor
    Alpha % -8.45
    -3.60
    		-9.58 | 8.09 25 | 26 Poor
    Return data last Updated On : Oct. 19, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.86 -3.56 -2.69 -4.67 | -0.49 10 | 29 Good
    3M Return % -2.78 -5.33 -3.19 -5.91 | -0.31 11 | 29 Good
    6M Return % -0.46 -2.97 -0.38 -4.69 | 5.60 14 | 29 Good
    1Y Return % -1.91 -6.21 -1.61 -8.52 | 7.53 17 | 29 Average
    3Y Return % 6.44 9.43 9.08 5.74 | 18.12 23 | 27 Poor
    7Y Return % 7.04 13.95 11.04 5.18 | 20.10 15 | 18 Average
    10Y Return % 6.87 12.58 10.15 6.87 | 14.60 10 | 10 Poor
    1Y SIP Return % -31.31 -14.17 -43.44 | 8.09 26 | 29 Poor
    3Y SIP Return % -5.21 0.75 -6.72 | 11.00 24 | 27 Poor
    5Y SIP Return % 1.94 6.61 1.79 | 16.06 24 | 25 Poor
    7Y SIP Return % 3.65 9.27 2.64 | 19.99 16 | 18 Poor
    10Y SIP Return % 5.01 9.36 5.01 | 14.47 10 | 10 Poor
    Standard Deviation 5.21 9.65 1.31 | 16.38 7 | 26 Very Good
    Semi Deviation 3.98 7.17 0.96 | 11.68 7 | 26 Very Good
    Max Drawdown % -5.44 -10.32 -19.00 | -0.74 8 | 26 Good
    VaR 1 Y % -5.47 -12.90 -25.74 | -0.37 6 | 26 Very Good
    Average Drawdown % 2.47 5.15 0.38 | 11.62 20 | 26 Average
    Sharpe Ratio 0.13 0.38 -0.55 | 0.91 25 | 26 Poor
    Sterling Ratio 0.42 0.51 0.33 | 0.81 22 | 26 Poor
    Sortino Ratio 0.06 0.18 -0.19 | 0.46 25 | 26 Poor
    Jensen Alpha % -0.66 0.09 -3.62 | 6.21 16 | 26 Average
    Treynor Ratio 0.04 0.07 -0.19 | 0.19 24 | 26 Poor
    Modigliani Square Measure % 2.02 5.75 -8.49 | 14.04 25 | 26 Poor
    Alpha % -8.45 -3.60 -9.58 | 8.09 25 | 26 Poor
    Return data last Updated On : Oct. 19, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 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
    19-10-2026 19.7888 22.8416
    16-10-2026 19.8463 22.9057
    15-10-2026 19.7735 22.8211
    14-10-2026 19.6954 22.7302
    13-10-2026 19.7521 22.7949
    12-10-2026 19.6597 22.6877
    09-10-2026 19.7742 22.8176
    08-10-2026 19.7141 22.7476
    07-10-2026 19.8543 22.9087
    06-10-2026 19.8835 22.9416
    05-10-2026 19.8299 22.8791
    01-10-2026 19.8232 22.8686
    30-09-2026 19.861 22.9115
    29-09-2026 19.8688 22.9198
    28-09-2026 19.8839 22.9365
    25-09-2026 20.0654 23.1437
    24-09-2026 20.0644 23.1418
    23-09-2026 20.1784 23.2726
    22-09-2026 20.197 23.2934
    21-09-2026 20.1819 23.2752

    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.