NSE ScannerNippon India Mutual Fund · Solution Oriented · Retirement · Direct plan
Nippon India Retirement Fund- Income Generation Scheme - Direct Plan - Growth
₹22.7502NAV on 30 Oct 2026Expense ratio 0.98%
29 Oct 2025NAV low 22.16 · high 23.78-2.2%
In plain words
Over 3 years it returned +6.4% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -4.9%.
On 3-year return it ranks 25 of 26 funds in Retirement.
A monthly SIP over 10 years ended ₹1,02,823 higher in the direct plan than the regular plan, because of the lower expense ratio.
Past returns, not a promise of future returns or a recommendation.
Returns vs benchmark
| Period | Fund | Benchmark |
|---|---|---|
| 1 month | -0.7% | +1.9% |
| 3 months | -3.5% | -5.1% |
| 6 months | +0.1% | -3.2% |
| 1 year | -1.8% | -10.2% |
| 3 years (yearly) | +6.4% | +7.4% |
| 5 years (yearly) | +5.8% | +6.5% |
| 10 years (yearly) | +6.8% | +11.3% |
| Since start (yearly) | +7.3% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,18,347 | -2.2% |
| 3 years | ₹3,60,000 | ₹3,73,593 | +2.3% |
| 5 years | ₹5,90,000 | ₹6,71,284 | +5.0% |
| 10 years | ₹11,90,000 | ₹16,66,958 | +6.5% |
Top holdings (30 Sept 2026)
Fund size ₹138 crore · 28 holdings · 19.1% in equity
| Company | Industry | Weight |
|---|---|---|
| 7.06% Government of India | SOVEREIGN | 30.72% |
| 6.68% Government of India | SOVEREIGN | 17.08% |
| 8.13% Government of India | SOVEREIGN | 16.12% |
| 8.17% Government of India | SOVEREIGN | 4.98% |
| 6.36% Government of India | SOVEREIGN | 3.55% |
| ICICI Bank Limited | Banks | 2.87% |
| State Bank of India | Banks | 2.08% |
| 8.3% Government of India | SOVEREIGN | 1.66% |
| HDFC Bank Limited | Banks | 1.54% |
| Reliance Industries Limited | Petroleum Products | 1.54% |
| Larsen & Toubro Limited | Construction | 1.29% |
| Axis Bank Limited | Banks | 1.15% |
| Samvardhana Motherson International Limited | Auto Components | 1.13% |
| NTPC Limited | Power | 1.11% |
| Eternal Limited | Retailing | 0.99% |
Largest industries: SOVEREIGN 74.9%, Banks 7.6%, Petroleum Products 1.5%, Auto Components 1.3%, Construction 1.3%, Power 1.1%.
Other plan of this fund: Nippon India Retirement Fund- Income Generation Scheme - Regular Plan - Growth