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Nippon IndiaRetirement Fund Income Generation Scheme Direct Growth
ELSS • 5Y Lock-in
Hybrid
Conservative Hybrid
Moderately High Risk
+9.37%
3Y annualised
-0.11% 1D
NAV: 27 Feb '26
₹23.17
Min. for SIP
₹500
Fund size
₹145.45 Cr
Expense ratio
0.99%
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹60,567 | +0.95% | |
| 3 years | ₹1,80,000 | ₹2,05,064 | +13.92% | |
| 5 years | ₹3,00,000 | ₹3,68,535 | +22.84% | |
| 10 years | ₹6,00,000 | ₹9,12,569 | +52.09% |
Holdings (30)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | CGL | 30.49% |
| GOI | Sovereign | GOI Sec | 18.00% |
| GOI | Sovereign | GOI Sec | 15.89% |
| GOI | Sovereign | GOI Sec | 4.90% |
| ICICI Bank Ltd. | Financial | Equity | 2.79% |
| GOI | Sovereign | GOI Sec | 2.76% |
| State Bank of India | Financial | Equity | 2.22% |
| HDFC Bank Ltd. | Financial | Equity | 1.92% |
| Reliance Industries Ltd. | Energy | Equity | 1.73% |
| GOI | Sovereign | GOI Sec | 1.63% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.28% |
| Axis Bank Ltd. | Financial | Equity | 1.22% |
| NTPC Ltd. | Energy | Equity | 1.16% |
| Infosys Ltd. | Technology | Equity | 1.04% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.94% |
| Cummins India Ltd. | Capital Goods | Equity | 0.85% |
| Eternal Ltd. | Services | Equity | 0.81% |
| GOI | Sovereign | GOI Sec | 0.80% |
| Samvardhana Motherson International Ltd. | Automobile | Equity | 0.75% |
| Tata Consultancy Services Ltd. | Technology | Equity | 0.64% |
| Dixon Technologies (India) Ltd. | Capital Goods | Equity | 0.54% |
| SBI Life Insurance Company Ltd. | Insurance | Equity | 0.48% |
| Hindustan Unilever Ltd. | Consumer Staples | Equity | 0.41% |
| Mishra Dhatu Nigam Ltd. | Metals & Mining | Equity | 0.36% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.30% |
| Kaynes Technology India Ltd. | Capital Goods | Equity | 0.27% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | Equity | 0.22% |
| Tube Investments Of India Ltd. | Automobile | Equity | 0.19% |
| Apollo Hospitals Enterprise Ltd. | Healthcare | Equity | 0.14% |
| Kwality Wall's (India) Ltd. | Consumer Staples | Equity | 0.01% |
See All
Minimum investments
Min. for 1st investment
₹500
Min. for 2nd investment
₹500
Min. for SIP
₹500
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +9.4% | +7.6% | +8.7% | +7.9% |
| Category average (Hybrid Conservative Hybrid) | +9.1% | +8.0% | +7.8% | -- |
| Rank (Hybrid Conservative Hybrid) | 22 | 25 | 14 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
Parag Parikh Conservative Hybrid Fund Direct Growth | +9.54% | +12.22% | 3,246.32 | |
ICICI Prudential Regular Savings Fund Direct Growth | +10.08% | +11.24% | 3,333.86 | |
HDFC Hybrid Debt Fund Direct Growth | +8.44% | +10.79% | 3,321.63 | |
DSP Regular Savings Fund Direct Growth | +8.66% | +10.73% | 182.70 | |
Nippon India Conservative Hybrid Fund Direct Growth | +11.19% | +10.28% | 936.15 | |
| Compare | ||||
Fund management
RRRitesh RathodJan 2026 - PresentView details
RR
Ritesh Rathod
Jan 2026 - Present
View details
About Nippon IndiaRetirement Fund Income Generation Scheme Direct Growth
Nippon IndiaRetirement Fund Income Generation Scheme Direct Growth is a Hybrid Mutual Fund Scheme launched by Nippon India Mutual Fund. This scheme was made available to investors on 30 Jun 1995. Ritesh Rathod is the Current Fund Manager of Nippon IndiaRetirement Fund Income Generation Scheme Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹7,34,712 Cr and the Latest NAV as of 27 Feb 2026 is ₹23.17.
The Nippon IndiaRetirement Fund Income Generation Scheme Direct Growth is rated Moderately High risk. Minimum SIP Investment is set to ₹500. Minimum Lumpsum Investment is ₹500.
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Investment Objective
The scheme seeks to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities.
Fund benchmarkCRISIL Hybrid 85+15 Conservative Index
Fund house
Rank (total assets)#4 in India
Total AUM₹7,34,711.84 Cr
Date of Incorporation30 Jun 1995
Launch Date30 Jun 1995
Address30th Floor, One Lodha PlaceSenapati Bapat Marg, Lower ParelMumbai Mumbai 400013
Websitewww.karvymfs.com
AddressKarvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,