Nippon IndiaRetirement Fund Income Generation Scheme Direct Growth

Hybrid
Conservative Hybrid
Moderately High Risk
5Y Lock In
12.58%
3Y annualised
-0.17% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 17 Jun 2025₹23.05
Min. SIP amount₹500
Rating2
Fund size₹156.73Cr

Return calculator

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

Holdings (34)

NameSectorInstrumentAssets
SovereignCGL30.13%
SovereignGOI Sec17.71%
GOI
SovereignGOI Sec15.68%
SovereignCGL4.83%
NTPC Ltd.
EnergyNCD3.21%
FinancialEquity2.77%
GOI
SovereignGOI Sec2.64%
FinancialEquity2.30%
EnergyEquity1.63%
GOI
SovereignCGL1.60%
FinancialEquity1.55%
ConstructionEquity1.11%
EnergyEquity1.01%
TechnologyEquity1.00%
FinancialEquity0.99%
SovereignCGL0.79%
AutomobileEquity0.76%
Capital GoodsEquity0.70%
TechnologyEquity0.66%
ServicesEquity0.65%
AutomobileEquity0.63%
Capital GoodsEquity0.63%
Consumer StaplesEquity0.49%
Consumer DiscretionaryEquity0.45%
Capital GoodsEquity0.43%
AutomobileEquity0.41%
InsuranceEquity0.40%
Metals & MiningEquity0.38%
Consumer StaplesEquity0.37%
TechnologyEquity0.32%
AutomobileEquity0.23%
HealthcareEquity0.21%
Capital GoodsEquity0.19%
HealthcareEquity0.13%
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 returns8.5%12.6%9.2%8.4%
Category average7.4%10.8%9.9%NA
Rank with in category12722NA
Understand terms

Peer Comparison

Hybrid, Conservative Hybrid fundsRating1Y3YFund Size(Cr)
4
8.1%13.7%3,129.28
5
9.8%13.0%2,665.17
4
7.8%12.9%3,406.09
4
7.5%12.0%9,643.02
4
9.4%10.3%885.65

Expense ratio, exit load and tax

Expense ratio: 0.97%

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

Pranay Sinha
Mar 2021 - Present
View details

Education
Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.
Experience
Prior to joining Nippon India Mutual Fund, he has worked with ABSLAMC, BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).
Also manages these schemes

Kinjal Desai
May 2018 - Present
View details

Education
Ms. Desai has done B.A (Economics), MSc. (Economics) and has cleared CFA Level 1
Experience
She has been working with Nippon India Mutual Fund since year, 2012
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: 0.97%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality
Consistently higher annualised returns than category average for the past 1Y and 3Y
Higher alpha: 1.35 The fund has generated returns higher than benchmark - CRISIL Hybrid 85+15 Conservative Index - in the last 3Y

Cons

5Y annualised returns lower than category average by 0.73%
Lock-in period: 5Y
Low rating: 2

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