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Fund Overview

Fund Size

Fund Size

₹167 Cr

Expense Ratio

Expense Ratio

2.14%

ISIN

ISIN

INF204KA1C22

Minimum SIP

Minimum SIP

₹500

Exit Load

Exit Load

No Charges

Inception Date

Inception Date

11 Feb 2015

About this fund

Nippon India Retirement Fund - Income Generation Scheme Regular Growth is a Retirement mutual fund schemes offered by Nippon India Mutual Fund. This fund has been in existence for 9 years, 2 months and 9 days, having been launched on 11-Feb-15.
As of 19-Apr-24, it has a Net Asset Value (NAV) of ₹18.19, Assets Under Management (AUM) of 166.73 Crores, and an expense ratio of 2.14%.
  • Nippon India Retirement Fund - Income Generation Scheme Regular Growth has given a CAGR return of 6.73% since inception.
  • The fund's asset allocation comprises around 19.64% in equities, 74.67% in debts, and 5.69% in cash & cash equivalents.
  • You can start investing in Nippon India Retirement Fund - Income Generation Scheme Regular 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

+12.29%

--%(Cat. Avg.)

3 Years

+6.87%

--%(Cat. Avg.)

5 Years

+7.51%

--%(Cat. Avg.)

Since Inception

+6.73%

--%(Cat. Avg.)

Portfolio Summaryas of 31st March 2024

Equity32.74 Cr19.64%
Debt124.49 Cr74.67%
Others9.49 Cr5.69%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
7.06% Govt Stock 2046Bond - Gov't/Treasury44.96 Cr26.96%
7.62% Govt Stock 2039Bond - Gov't/Treasury26.26 Cr15.75%
8.13% Govt Stock 2045Bond - Gov't/Treasury23.41 Cr14.04%
7.26% Govt Stock 2033Bond - Gov't/Treasury15.17 Cr9.10%
8.17% Govt Stock 2044Bond - Gov't/Treasury7.24 Cr4.34%
Triparty RepoCash - Repurchase Agreement7.2 Cr4.32%
Reliance Industries LtdEquity2.97 Cr1.78%
ICICI Bank LtdEquity2.95 Cr1.77%
8.3% Govt Stock 2042Bond - Gov't/Treasury2.4 Cr1.44%
HDFC Bank LtdEquity2.32 Cr1.39%
Net Current AssetsCash2.23 Cr1.34%
6.99% Govt Stock 2051Bond - Gov't/Treasury1.97 Cr1.18%
6.67% Govt Stock 2050Bond - Gov't/Treasury1.89 Cr1.14%
Tata Consultancy Services LtdEquity1.89 Cr1.13%
Larsen & Toubro LtdEquity1.7 Cr1.02%
Axis Bank LtdEquity1.47 Cr0.88%
SBI Life Insurance Company LimitedEquity1.35 Cr0.81%
Sun Pharmaceuticals Industries LtdEquity1.3 Cr0.78%
Infosys LtdEquity1.2 Cr0.72%
Dixon Technologies (India) LtdEquity1.2 Cr0.72%
8.83% Govt Stock 2041Bond - Gov't/Treasury1.18 Cr0.71%
ICICI Lombard General Insurance Co LtdEquity1.18 Cr0.71%
Wipro LtdEquity1.14 Cr0.69%
State Bank of IndiaEquity1.13 Cr0.68%
Indraprastha Gas LtdEquity1.08 Cr0.65%
Samvardhana Motherson International LtdEquity1.05 Cr0.63%
Zomato LtdEquity1 Cr0.60%
Bosch LtdEquity0.9 Cr0.54%
United Breweries LtdEquity0.87 Cr0.52%
Kaynes Technology India LtdEquity0.72 Cr0.43%
Sona BLW Precision Forgings LtdEquity0.71 Cr0.42%
Hindustan Unilever LtdEquity0.68 Cr0.41%
Birla Corp LtdEquity0.65 Cr0.39%
Apollo Hospitals Enterprise LtdEquity0.64 Cr0.38%
Container Corporation of India LtdEquity0.62 Cr0.37%
Mishra Dhatu Nigam Ltd Ordinary SharesEquity0.59 Cr0.35%
Crompton Greaves Consumer Electricals LtdEquity0.54 Cr0.32%
FSN E-Commerce Ventures LtdEquity0.49 Cr0.29%
Cyient DLM LtdEquity0.43 Cr0.26%
Cash Margin - CcilCash - Collateral0.06 Cr0.04%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services10.39 Cr6.23%
Technology5.86 Cr3.52%
Consumer Cyclical4.68 Cr2.81%
Industrials3.03 Cr1.82%
Energy2.97 Cr1.78%
Healthcare1.93 Cr1.16%
Consumer Defensive1.55 Cr0.93%
Basic Materials1.24 Cr0.75%
Utilities1.08 Cr0.65%

Risk & Performance Ratios

Standard Deviation

This fund

4.54%

Cat. avg.

--

Lower the better

Sharpe Ratio

This fund

0.38

Cat. avg.

--

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

--

Higher the better

Fund Managers

Pranay Sinha

Pranay Sinha

Since March 2021

Ashutosh Bhargava

Ashutosh Bhargava

Since April 2024

KD

Kinjal Desai

Since May 2018

Additional Scheme Detailsas of 31st March 2024

ISININF204KA1C22Expense Ratio2.14%Exit LoadNo ChargesFund Size₹167 CrAge11 Feb 2015Lumpsum Minimum₹500Fund StatusOpen Ended Investment CompanyBenchmarkCRISIL Hybrid 85+15 - ConservativeTR INR

Investment ObjectiveInvestment 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

Withdrawal within 1 year

Flat 15% tax on realised gains (STCG - short term capital gains)

Withdrawal after 1 year

10% tax on realised gains above Rs. 1 lakh per financial year (LTCG - long term capital gains)

Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

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1Y
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Axis Retirement Savings Fund - Aggressive Plan Regular Growth

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Axis Retirement Savings Fund - Conservative Plan Direct Growth

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Axis Retirement Savings Fund - Aggressive Plan Direct Growth

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Axis Retirement Savings Fund - Dynamic Plan Regular Growth

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Axis Retirement Savings Fund - Dynamic Plan Direct Growth

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About the AMC

Total AUM

₹4,42,327 Cr

Address

4th Floor, Tower A, Peninsula Business Park, Mumbai, 400 013

Other Funds by Nippon India Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
Nippon India Fixed Maturity Plan - XLVI - Series 1 - 92 Days Direct Growth

Moderately High risk

-0.0%--
Nippon India Innovation Fund Direct Growth

Very High Risk

0.9%1.0%₹1354.69 Cr-
Nippon India Fixed Horizon Fund XLII Series 1 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XLII Series 7 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XLI Series 6 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLII Series 5 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XLI Series 7 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund - XLIII - Series 4 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLII Series 6 Direct Growth

Moderate Risk

----
Nippon India Interval Fund Quarterly Series I Direct Growth

Moderate Risk

-0.0%₹52.30 Cr7.1%
Nippon India Fixed Horizon Fund XXXX Series 10 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLIV Series 4 Direct Growth

Low to Moderate Risk

---7.0%
Nippon India Fixed Horizon Fund XLIV Series 3 Direct Growth

Moderate Risk

----
Nippon India Interval Fund Annual Series I Direct Growth

Low Risk

-0.0%₹16.36 Cr7.1%
Nippon India Fixed Horizon Fund XLIV Series 5 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund - XLIII - Series 1 Direct Growth

Low to Moderate Risk

-0.0%₹186.11 Cr7.0%
Nippon India Fixed Horizon Fund XLIV Series 1 Direct Growth

Moderate Risk

-0.0%-7.0%
Nippon India Fixed Horizon Fund - XLIII - Series 3 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XLI Series 5 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLII Series 3 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XLIII Series 5 Direct Growth

Moderate Risk

-0.0%₹159.50 Cr7.2%
Nippon India Fixed Horizon Fund XXXIX Series 12 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund - XLIII - Series 2 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLI Series 3 Direct Growth

Moderate Risk

-0.0%--
Nippon India Capital Protection Oriented Fund II Plan A Direct Growth

Low Risk

--₹40.32 Cr9.7%
Nippon India Interval Fund Quarterly Series III Direct Growth

Low Risk

-0.0%₹4.92 Cr7.1%
Nippon India Fixed Horizon Fund XLI Series 13 Direct Growth

Moderate Risk

----
Nippon India Fixed Horizon Fund XXXX Series 9 Direct Growth

Moderate Risk

-0.0%--
Nippon India Interval Fund Quarterly Series II Direct Growth

Moderate Risk

-0.0%₹82.89 Cr7.4%
Nippon India Fixed Horizon Fund XXXX Series 18 Direct Growth

Moderate Risk

-0.0%--
Nippon India Interval Fund Monthly Series II Direct Growth

Low Risk

-0.0%₹3.93 Cr6.4%
Nippon India Fixed Horizon Fund XXXX Sr 20 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund - XXXX Series 13 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund - XLV - Series 4 Direct Growth

Low to Moderate Risk

-0.0%-7.0%
Nippon India Fixed Horizon Fund XLI Series 9 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLI Series 8 Direct Growth

Moderate Risk

-0.0%₹58.87 Cr7.3%
Nippon India Interval Fund Monthly Series I Direct Growth

Low Risk

-0.0%₹3.21 Cr6.4%
Nippon India Fixed Horizon Fund - XLV - Series 5 Direct Growth

Moderately High risk

-0.0%-8.8%
Nippon India Fixed Horizon Fund XXXIX Series 13 Direct Growth

Moderate Risk

-0.0%--
Nippon India Fixed Horizon Fund XLII Series 2 Direct Growth

Moderate Risk

----
Nippon India Nifty SDL Plus G-Sec - Jun 2029 Maturity 70:30 Index Fund Direct Growth

Moderate Risk

0.2%0.0%₹294.42 Cr6.9%
Nippon India Arbitrage Fund Direct Growth

Low Risk

0.4%0.0%₹13895.86 Cr8.5%
Nippon India Gilt Securities Fund Direct Growth

Moderate Risk

0.6%0.0%₹1546.55 Cr7.2%
Nippon India Banking & Financial Services Fund Direct Growth

Very High Risk

1.1%1.0%₹5307.29 Cr31.2%
Nippon India Power & Infra Fund Direct Growth

Very High Risk

1.1%1.0%₹4528.93 Cr78.5%
Nippon India Dynamic Bond Fund Direct Growth

Moderate Risk

0.3%0.0%₹4559.36 Cr6.9%
Nippon India Growth Fund Direct Growth

Very High Risk

0.8%1.0%₹24796.00 Cr55.8%
Nippon India Multi Cap Fund Direct Growth

Very High Risk

0.8%1.0%₹27745.59 Cr53.0%
Nippon India Gold Savings Fund Direct Growth

High Risk

0.9%1.0%₹1709.27 Cr21.6%
Nippon India Floating Rate Fund Direct Growth

Moderate Risk

0.3%0.0%₹7942.80 Cr7.6%

Risk Level

Your principal amount will be at Moderately High risk

Moderately High risk
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The NAV of Nippon India Retirement Fund - Income Generation Scheme Regular Growth, as of 19-Apr-2024, is ₹18.19.
The fund has generated 12.29% over the last 1 year and 6.87% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 19.64% in equities, 74.67% in bonds, and 5.69% in cash and cash equivalents.
The fund managers responsible for Nippon India Retirement Fund - Income Generation Scheme Regular Growth are:-
  1. Pranay Sinha
  2. Ashutosh Bhargava
  3. Kinjal Desai