Nippon IndiaRetirement Fund Income Generation Scheme Direct Growth

Hybrid
Conservative Hybrid
Moderately High Risk
5Y Lock In
9.66%
3Y annualised
+0.21% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 05 Sep 2025
₹22.92
Rating
2
Min. SIP amount
₹500
Fund size
₹154.35Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Holdings (33)

NameSectorInstrumentAssets
SovereignCGL29.90%
SovereignGOI Sec17.57%
GOI
SovereignGOI Sec15.64%
GOI
SovereignGOI Sec5.98%
SovereignCGL4.83%
FinancialEquity2.88%
FinancialEquity2.42%
EnergyEquity1.62%
GOI
SovereignCGL1.60%
FinancialEquity1.55%
ConstructionEquity1.12%
EnergyEquity1.03%
TechnologyEquity0.98%
FinancialEquity0.90%
ServicesEquity0.86%
AutomobileEquity0.83%
Capital GoodsEquity0.82%
SovereignCGL0.79%
Capital GoodsEquity0.69%
AutomobileEquity0.60%
TechnologyEquity0.59%
Consumer StaplesEquity0.49%
Capital GoodsEquity0.45%
Consumer DiscretionaryEquity0.42%
InsuranceEquity0.42%
Consumer StaplesEquity0.41%
Metals & MiningEquity0.36%
TechnologyEquity0.32%
AutomobileEquity0.22%
HealthcareEquity0.22%
Capital GoodsEquity0.18%
HealthcareEquity0.15%
AutomobileEquity0.10%
See All

Minimum investment amounts

Min. for 1st investment₹500
Min. for 2nd investment onwards₹500
Min. for SIP₹500

Returns and rankings

Category: Hybrid Conservative Hybrid
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns4.0%9.7%8.3%8.2%
Category average4.2%8.9%8.9%NA
Rank with in category191722NA
Understand terms

Peer Comparison

Expense ratio, exit load and tax

Expense ratio: 0.98%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Fund management

Divya Dutt Sharma
Sep 2025 - Present
View details

Education
Bachelor of Commerce, MSC Banking & Finance.
Experience
Prior to joining the Nippon AMC, he was associated with Bhramrishi Mission NGO, Equations LLC, V.K Pamecha and Associates.
Also manages these schemes

Lokesh Maru
Sep 2025 - Present
View details

Education
Bachelor of Technology, CFA, FRM
Experience
Prior to joining the Nippon AMC, he was associated with BlackRock Services India Private Ltd, CRISIL Ltd.
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
4th Floor, Tower A, Peninsula Business Park,Ganapatrao Kadam Marg, Lower Parel (W), Mumbai 400013
Phone
NA
Launch Date
30 Jun 1995
E-mail
NA
Website
Nippon India Mutual Fund
Asset Management Company
Custodian
Deutsche Bank
Registrar & Transfer Agent
KFin Tech
Address
Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,

Pros and cons

Category: Hybrid Conservative Hybrid

Pros

Exit load is zero
Lower expense ratio: 0.98%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality
3Y and 10Y annualised returns higher than category average

Cons

1Y and 5Y annualised returns lower than category average
Lock-in period: 5Y
Low rating: 2

Compare funds

Nippon IndiaRetirement Fund Income Generation Scheme Direct Growth
VS
Add mutual fund to compare