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Nippon India Retirement Fund - Income Generation Scheme Direct Growth
HybridRetirementModerately High risk
Direct
NAV (20-Dec-24)
₹22.21-0.51%1D
Returns (Since Inception)
8.43%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹156 Cr
Expense Ratio
1.02%
ISIN
INF204KA1C30
Minimum SIP
₹500
Exit Load
No Charges
Inception Date
11 Feb 2015
About this fund
Nippon India Retirement Fund - Income Generation Scheme Direct Growth is a Retirement mutual fund schemes offered by Nippon India Mutual Fund. This fund has been in existence for 9 years, 10 months and 11 days, having been launched on 11-Feb-15.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹22.21, Assets Under Management (AUM) of 156.45 Crores, and an expense ratio of 1.02%.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹22.21, Assets Under Management (AUM) of 156.45 Crores, and an expense ratio of 1.02%.
- Nippon India Retirement Fund - Income Generation Scheme Direct Growth has given a CAGR return of 8.43% since inception.
- The fund's asset allocation comprises around 19.82% in equities, 74.61% in debts, and 5.57% 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
+13.00%
— (Cat Avg.)
3 Years
+9.00%
— (Cat Avg.)
5 Years
+8.90%
— (Cat Avg.)
Since Inception
+8.43%
— (Cat Avg.)
Portfolio Summaryas of 15th December 2024
| Equity | ₹31 Cr | 19.82% |
| Debt | ₹116.73 Cr | 74.61% |
| Others | ₹8.72 Cr | 5.57% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.06% Govt Stock 2046 | Bond - Gov't/Treasury | ₹45.99 Cr | 29.09% |
| 7.62% Govt Stock 2039 | Bond - Gov't/Treasury | ₹26.77 Cr | 16.93% |
| 8.13% Govt Stock 2045 | Bond - Gov't/Treasury | ₹23.9 Cr | 15.12% |
| 7.26% Govt Stock 2033 | Bond - Gov't/Treasury | ₹10.29 Cr | 6.51% |
| 8.17% Govt Stock 2044 | Bond - Gov't/Treasury | ₹7.36 Cr | 4.65% |
| Triparty Repo | Cash - Repurchase Agreement | ₹6.61 Cr | 4.18% |
| ICICI Bank Ltd | Equity | ₹3.63 Cr | 2.30% |
| HDFC Bank Ltd | Equity | ₹2.99 Cr | 1.89% |
| 8.3% Govt Stock 2042 | Bond - Gov't/Treasury | ₹2.44 Cr | 1.54% |
| Reliance Industries Ltd | Equity | ₹2.29 Cr | 1.45% |
| Tata Consultancy Services Ltd | Equity | ₹2.18 Cr | 1.38% |
| Net Current Assets | Cash | ₹2.13 Cr | 1.35% |
| Infosys Ltd | Equity | ₹2 Cr | 1.27% |
| State Bank of India | Equity | ₹1.81 Cr | 1.14% |
| Dixon Technologies (India) Ltd | Equity | ₹1.8 Cr | 1.14% |
| Larsen & Toubro Ltd | Equity | ₹1.55 Cr | 0.98% |
| Axis Bank Ltd | Equity | ₹1.49 Cr | 0.94% |
| Zomato Ltd | Equity | ₹1.24 Cr | 0.78% |
| 8.83% Govt Stock 2041 | Bond - Gov't/Treasury | ₹1.2 Cr | 0.76% |
| Cummins India Ltd | Equity | ₹1.08 Cr | 0.68% |
| Samvardhana Motherson International Ltd | Equity | ₹1.05 Cr | 0.66% |
| Wipro Ltd | Equity | ₹0.93 Cr | 0.59% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹0.82 Cr | 0.52% |
| United Breweries Ltd | Equity | ₹0.78 Cr | 0.49% |
| Kaynes Technology India Ltd | Equity | ₹0.76 Cr | 0.48% |
| NTPC Ltd | Equity | ₹0.71 Cr | 0.45% |
| Bajaj Auto Ltd | Equity | ₹0.68 Cr | 0.43% |
| Hindustan Unilever Ltd | Equity | ₹0.6 Cr | 0.38% |
| Mishra Dhatu Nigam Ltd Ordinary Shares | Equity | ₹0.52 Cr | 0.33% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹0.52 Cr | 0.33% |
| Tube Investments of India Ltd Ordinary Shares | Equity | ₹0.44 Cr | 0.28% |
| Cyient DLM Ltd | Equity | ₹0.39 Cr | 0.25% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹0.36 Cr | 0.23% |
| Birla Corp Ltd | Equity | ₹0.26 Cr | 0.16% |
| Apollo Hospitals Enterprise Ltd | Equity | ₹0.22 Cr | 0.14% |
| SBI Life Insurance Co Ltd | Equity | ₹0.21 Cr | 0.14% |
| Cash Margin - Ccil | Cash - Repurchase Agreement | ₹0.06 Cr | 0.04% |
Allocation By Market Cap (Equity)
Large Cap Stocks
15.16%
Mid Cap Stocks
2.91%
Small Cap Stocks
1.74%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹10.66 Cr | 6.74% |
| Technology | ₹7.3 Cr | 4.62% |
| Industrials | ₹3.83 Cr | 2.42% |
| Consumer Cyclical | ₹3.79 Cr | 2.40% |
| Energy | ₹2.29 Cr | 1.45% |
| Consumer Defensive | ₹1.37 Cr | 0.87% |
| Basic Materials | ₹0.78 Cr | 0.49% |
| Utilities | ₹0.71 Cr | 0.45% |
| Healthcare | ₹0.58 Cr | 0.37% |
Risk & Performance Ratios
Standard Deviation
This fund
4.65%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.55
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Additional Scheme Detailsas of 15th December 2024
ISIN INF204KA1C30 | Expense Ratio 1.02% | Exit Load No Charges | Fund Size ₹156 Cr | Age 9 years 10 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
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2176.80 Cr | 22.7% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹176.48 Cr | 11.1% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2108.21 Cr | 25.8% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹921.99 Cr | 22.2% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹74.56 Cr | 14.7% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹921.99 Cr | 23.8% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹387.54 Cr | 27.3% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.1% | 0.0% | ₹387.54 Cr | 29.0% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹74.56 Cr | 13.2% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹524.09 Cr | 13.7% |
About the AMC
Nippon India Mutual Fund
Total AUM
₹5,71,991 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
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We're here to help.
What is the current NAV of Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
The NAV of Nippon India Retirement Fund - Income Generation Scheme Direct Growth, as of 20-Dec-2024, is ₹22.21.
What are the returns of Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
The fund has generated 13.00% over the last 1 year and 9.00% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
The fund's allocation of assets is distributed as 19.82% in equities, 74.61% in bonds, and 5.57% in cash and cash equivalents.
Who manages the Nippon India Retirement Fund - Income Generation Scheme Direct Growth?
The fund managers responsible for Nippon India Retirement Fund - Income Generation Scheme Direct Growth are:-
- Pranay Sinha
- Ashutosh Bhargava
- Kinjal Desai
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.