Nippon India Retirement Fund - Income Generation Scheme Direct Growth
HybridRetirementModerately High risk
Direct
NAV (06-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹156 Cr
Expense Ratio
0.97%
ISIN
INF204KA1C30
Minimum SIP
₹500
Exit Load
No Charges
Inception Date
11 Feb 2015
About this fund
As of 06-Jun-25, it has a Net Asset Value (NAV) of ₹23.20, Assets Under Management (AUM) of 155.56 Crores, and an expense ratio of 0.97%.
- Nippon India Retirement Fund - Income Generation Scheme Direct Growth has given a CAGR return of 8.50% since inception.
- The fund's asset allocation comprises around 20.45% in equities, 76.49% in debts, and 3.06% in cash & cash equivalents.
- You can start investing in Nippon India Retirement Fund - Income Generation Scheme Direct Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+10.80%
— (Cat Avg.)
3 Years
+12.16%
— (Cat Avg.)
5 Years
+9.34%
— (Cat Avg.)
10 Years
+8.89%
— (Cat Avg.)
Since Inception
+8.50%
— (Cat Avg.)
Portfolio Summaryas of 15th May 2025
| Equity | ₹31.81 Cr | 20.45% |
| Debt | ₹118.99 Cr | 76.49% |
| Others | ₹4.76 Cr | 3.06% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.06% Govt Stock 2046 | Bond - Gov't/Treasury | ₹47.18 Cr | 29.99% |
| 7.62% Govt Stock 2039 | Bond - Gov't/Treasury | ₹27.79 Cr | 17.66% |
| 8.13% Govt Stock 2045 | Bond - Gov't/Treasury | ₹24.6 Cr | 15.64% |
| 8.17% Govt Stock 2044 | Bond - Gov't/Treasury | ₹7.6 Cr | 4.83% |
| 7.26% Govt Stock 2033 | Bond - Gov't/Treasury | ₹5.3 Cr | 3.37% |
| ICICI Bank Ltd | Equity | ₹4.35 Cr | 2.77% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹4.14 Cr | 2.63% |
| HDFC Bank Ltd | Equity | ₹3.58 Cr | 2.27% |
| Triparty Repo | Cash - Repurchase Agreement | ₹3.44 Cr | 2.19% |
| Reliance Industries Ltd | Equity | ₹2.62 Cr | 1.66% |
| 8.3% Govt Stock 2042 | Bond - Gov't/Treasury | ₹2.51 Cr | 1.60% |
| State Bank of India | Equity | ₹2.42 Cr | 1.54% |
| Larsen & Toubro Ltd | Equity | ₹1.72 Cr | 1.09% |
| NTPC Ltd | Equity | ₹1.62 Cr | 1.03% |
| Infosys Ltd | Equity | ₹1.61 Cr | 1.03% |
| Axis Bank Ltd | Equity | ₹1.57 Cr | 1.00% |
| Net Current Assets | Cash | ₹1.32 Cr | 0.84% |
| Mahindra & Mahindra Ltd | Equity | ₹1.26 Cr | 0.80% |
| Dixon Technologies (India) Ltd | Equity | ₹1.23 Cr | 0.78% |
| 8.83% Govt Stock 2041 | Bond - Gov't/Treasury | ₹1.23 Cr | 0.78% |
| Tata Consultancy Services Ltd | Equity | ₹1.07 Cr | 0.68% |
| Eternal Ltd | Equity | ₹1.04 Cr | 0.66% |
| Samvardhana Motherson International Ltd | Equity | ₹0.92 Cr | 0.58% |
| Cummins India Ltd | Equity | ₹0.88 Cr | 0.56% |
| United Breweries Ltd | Equity | ₹0.81 Cr | 0.51% |
| Kaynes Technology India Ltd | Equity | ₹0.71 Cr | 0.45% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹0.65 Cr | 0.42% |
| SBI Life Insurance Co Ltd | Equity | ₹0.62 Cr | 0.40% |
| Bajaj Auto Ltd | Equity | ₹0.62 Cr | 0.40% |
| Hindustan Unilever Ltd | Equity | ₹0.59 Cr | 0.37% |
| Mishra Dhatu Nigam Ltd Ordinary Shares | Equity | ₹0.56 Cr | 0.35% |
| Wipro Ltd | Equity | ₹0.51 Cr | 0.33% |
| Tube Investments of India Ltd Ordinary Shares | Equity | ₹0.35 Cr | 0.22% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹0.35 Cr | 0.22% |
| Cyient DLM Ltd | Equity | ₹0.28 Cr | 0.18% |
| Apollo Hospitals Enterprise Ltd | Equity | ₹0.21 Cr | 0.13% |
| Cash Margin - Ccil | Cash - Collateral | ₹0.06 Cr | 0.04% |
| Cash | Cash | ₹0 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
17.40%
Mid Cap Stocks
2.10%
Small Cap Stocks
0.95%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹12.55 Cr | 7.98% |
| Technology | ₹4.71 Cr | 2.99% |
| Consumer Cyclical | ₹4.5 Cr | 2.86% |
| Industrials | ₹3.66 Cr | 2.33% |
| Energy | ₹2.62 Cr | 1.66% |
| Utilities | ₹1.62 Cr | 1.03% |
| Consumer Defensive | ₹1.39 Cr | 0.89% |
| Healthcare | ₹0.56 Cr | 0.36% |
| Basic Materials | ₹0.56 Cr | 0.35% |
Risk & Performance Ratios
Standard Deviation
This fund
4.46%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
1.10
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Additional Scheme Detailsas of 15th May 2025
ISIN INF204KA1C30 | Expense Ratio 0.97% | Exit Load No Charges | Fund Size ₹156 Cr | Age 10 years 3 months | Lumpsum Minimum ₹500 | Fund Status Open Ended Investment Company | Benchmark CRISIL Hybrid 85+15 - ConservativeTR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
About the AMC
Nippon India Mutual Fund
Total AUM
₹6,00,436 Cr
Address
4th Floor, Tower A, Peninsula Business Park, Mumbai, 400 013
Other Funds by Nippon India Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
Take control of your wealth
Related Articles
Still got questions?
We're here to help.
What is the current NAV of Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
What are the returns of Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
What is the portfolio composition of Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
Who manages the Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
- Pranay Sinha
- Ashutosh Bhargava
- Kinjal Desai
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Nippon India Retirement Fund - Income Generation Scheme Direct Growth
HybridRetirementModerately High risk
Direct
NAV (06-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹156 Cr
Expense Ratio
0.97%
ISIN
INF204KA1C30
Minimum SIP
₹500
Exit Load
No Charges
Inception Date
11 Feb 2015
Risk Level
Your principal amount will be at Moderately High risk
About this fund
As of 06-Jun-25, it has a Net Asset Value (NAV) of ₹23.20, Assets Under Management (AUM) of 155.56 Crores, and an expense ratio of 0.97%.
- Nippon India Retirement Fund - Income Generation Scheme Direct Growth has given a CAGR return of 8.50% since inception.
- The fund's asset allocation comprises around 20.45% in equities, 76.49% in debts, and 3.06% in cash & cash equivalents.
- You can start investing in Nippon India Retirement Fund - Income Generation Scheme Direct Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+10.80%
— (Cat Avg.)
3 Years
+12.16%
— (Cat Avg.)
5 Years
+9.34%
— (Cat Avg.)
10 Years
+8.89%
— (Cat Avg.)
Since Inception
+8.50%
— (Cat Avg.)
Portfolio Summaryas of 15th May 2025
| Equity | ₹31.81 Cr | 20.45% |
| Debt | ₹118.99 Cr | 76.49% |
| Others | ₹4.76 Cr | 3.06% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type | Amount | Holdings |
|---|---|---|---|
| 7.06% Govt Stock 2046 | Bond - Gov't/Treasury | ₹47.18 Cr | 29.99% |
| 7.62% Govt Stock 2039 | Bond - Gov't/Treasury | ₹27.79 Cr | 17.66% |
| 8.13% Govt Stock 2045 | Bond - Gov't/Treasury | ₹24.6 Cr | 15.64% |
| 8.17% Govt Stock 2044 | Bond - Gov't/Treasury | ₹7.6 Cr | 4.83% |
| 7.26% Govt Stock 2033 | Bond - Gov't/Treasury | ₹5.3 Cr | 3.37% |
| ICICI Bank Ltd | Equity | ₹4.35 Cr | 2.77% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹4.14 Cr | 2.63% |
| HDFC Bank Ltd | Equity | ₹3.58 Cr | 2.27% |
| Triparty Repo | Cash - Repurchase Agreement | ₹3.44 Cr | 2.19% |
| Reliance Industries Ltd | Equity | ₹2.62 Cr | 1.66% |
| 8.3% Govt Stock 2042 | Bond - Gov't/Treasury | ₹2.51 Cr | 1.60% |
| State Bank of India | Equity | ₹2.42 Cr | 1.54% |
| Larsen & Toubro Ltd | Equity | ₹1.72 Cr | 1.09% |
| NTPC Ltd | Equity | ₹1.62 Cr | 1.03% |
| Infosys Ltd | Equity | ₹1.61 Cr | 1.03% |
| Axis Bank Ltd | Equity | ₹1.57 Cr | 1.00% |
| Net Current Assets | Cash | ₹1.32 Cr | 0.84% |
| Mahindra & Mahindra Ltd | Equity | ₹1.26 Cr | 0.80% |
| Dixon Technologies (India) Ltd | Equity | ₹1.23 Cr | 0.78% |
| 8.83% Govt Stock 2041 | Bond - Gov't/Treasury | ₹1.23 Cr | 0.78% |
| Tata Consultancy Services Ltd | Equity | ₹1.07 Cr | 0.68% |
| Eternal Ltd | Equity | ₹1.04 Cr | 0.66% |
| Samvardhana Motherson International Ltd | Equity | ₹0.92 Cr | 0.58% |
| Cummins India Ltd | Equity | ₹0.88 Cr | 0.56% |
| United Breweries Ltd | Equity | ₹0.81 Cr | 0.51% |
| Kaynes Technology India Ltd | Equity | ₹0.71 Cr | 0.45% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹0.65 Cr | 0.42% |
| SBI Life Insurance Co Ltd | Equity | ₹0.62 Cr | 0.40% |
| Bajaj Auto Ltd | Equity | ₹0.62 Cr | 0.40% |
| Hindustan Unilever Ltd | Equity | ₹0.59 Cr | 0.37% |
| Mishra Dhatu Nigam Ltd Ordinary Shares | Equity | ₹0.56 Cr | 0.35% |
| Wipro Ltd | Equity | ₹0.51 Cr | 0.33% |
| Tube Investments of India Ltd Ordinary Shares | Equity | ₹0.35 Cr | 0.22% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹0.35 Cr | 0.22% |
| Cyient DLM Ltd | Equity | ₹0.28 Cr | 0.18% |
| Apollo Hospitals Enterprise Ltd | Equity | ₹0.21 Cr | 0.13% |
| Cash Margin - Ccil | Cash - Collateral | ₹0.06 Cr | 0.04% |
| Cash | Cash | ₹0 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
17.40%
Mid Cap Stocks
2.10%
Small Cap Stocks
0.95%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹12.55 Cr | 7.98% |
| Technology | ₹4.71 Cr | 2.99% |
| Consumer Cyclical | ₹4.5 Cr | 2.86% |
| Industrials | ₹3.66 Cr | 2.33% |
| Energy | ₹2.62 Cr | 1.66% |
| Utilities | ₹1.62 Cr | 1.03% |
| Consumer Defensive | ₹1.39 Cr | 0.89% |
| Healthcare | ₹0.56 Cr | 0.36% |
| Basic Materials | ₹0.56 Cr | 0.35% |
Risk & Performance Ratios
Standard Deviation
This fund
4.46%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
1.10
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Additional Scheme Detailsas of 15th May 2025
ISIN INF204KA1C30 | Expense Ratio 0.97% | Exit Load No Charges | Fund Size ₹156 Cr | Age 10 years 3 months | Lumpsum Minimum ₹500 | Fund Status Open Ended Investment Company | Benchmark CRISIL Hybrid 85+15 - ConservativeTR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
About the AMC
Nippon India Mutual Fund
Total AUM
₹6,00,436 Cr
Address
4th Floor, Tower A, Peninsula Business Park, Mumbai, 400 013
Other Funds by Nippon India Mutual Fund
Related Articles
Still got questions?
We're here to help.
What is the current NAV of Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
What are the returns of Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
What is the portfolio composition of Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
Who manages the Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
- Pranay Sinha
- Ashutosh Bhargava
- Kinjal Desai
Track & Analyse all your investments in one place
Compare your portfolio's performance with benchmarks
Identify potential risks in your portfolio and learn to fix them
Track all your family's investments in one place
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