Should I invest in NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME?

We don't give personal investment advice. NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 7.4%. 5-year CAGR: 7.29%.

Nippon India

NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option

Latest NAV

₹23.4880

As of

17 Jul 2026

2,760 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	0.00%	+0.13%	-0.13	20 / 23	Q4
1W	-0.16%	-0.04%	-0.12	18 / 23	Q4
2W	-0.14%	-0.77%	+0.64	18 / 23	Q4
1M	+1.30%	+0.41%	+0.89	10 / 23	Q2
3M	+2.54%	+1.93%	+0.61	10 / 23	Q2
6M	+1.87%	+1.13%	+0.73	13 / 23	Q3
YTD	+1.19%	+0.09%	+1.10	11 / 23	Q2
1Y	+1.69%	+0.68%	+1.01	12 / 23	Q3
2Y	+4.10%	+2.40%	+1.70	10 / 23	Q2
3Y	+7.26%	+8.63%	-1.37	12 / 20	Q3
4Y	+8.98%	+9.86%	-0.87	11 / 19	Q3
5Y	+7.29%	+8.42%	-1.13	12 / 19	Q3
7Y	+6.96%	+8.89%	-1.92	9 / 12	Q3
10Y	+7.83%	+6.30%	+1.53	3 / 4	Q3
Inception	+7.74%	+9.90%	-2.16	17 / 23	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+1.19%	+0.09%	+1.10	11 / 23
2025	+4.50%	+4.83%	-0.32	15 / 23
2024	+12.51%	+11.40%	+1.11	9 / 21
2023	+11.06%	+19.27%	-8.21	17 / 20
2022	+3.07%	+2.24%	+0.84	8 / 19
2021	+5.93%	+15.66%	-9.73	11 / 15
2020	+11.73%	+11.58%	+0.15	11 / 15
2019	+9.38%	+3.85%	+5.53	1 / 4
2018	+5.74%	-1.83%	+7.57	1 / 4
2017	+6.65%	+16.59%	-9.94	3 / 4
2016	+11.86%	+6.30%	+5.56	1 / 4

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+8.26%

128 windows

min -3.1% · max 17.4%

95% positive

3-Year rolling

+8.18%

103 windows

min 4.7% · max 12.0%

100% positive

5-Year rolling

+8.13%

79 windows

min 5.6% · max 10.0%

100% positive

7-Year rolling

+8.08%

55 windows

min 6.9% · max 9.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

5.02%

3-year · annualised

Sharpe ratio

0.14

vs risk-free 6.5%

Sortino ratio

0.31

Downside-only deviation

Max drawdown

-4.93%

Nov 2025 → Apr 2026

% positive months

58.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - Direct Plan - IDCW Option	Nippon India	₹22.7963	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹20.6572	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹13.2420	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹20.4410	17 Jul 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹18.3984	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
UTI Retirement Fund- Direct Plan	UTI	₹55.0672	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹18.7000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹23.4880
16 Jul 2026	₹23.4887
15 Jul 2026	₹23.4589
14 Jul 2026	₹23.4147
13 Jul 2026	₹23.5104
10 Jul 2026	₹23.5249
9 Jul 2026	₹23.4622
8 Jul 2026	₹23.4279
7 Jul 2026	₹23.5910
6 Jul 2026	₹23.6128

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option is ₹23.4880. It's a Retirement Fund from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option has NAV history starting from 13 Feb 2015, a track record of about 11 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option is managed by Nippon India. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option has delivered a absolute return of 1.69% — +1.01 pp ahead of the Retirement Fund category average of 0.68%. The fund ranks #12 of 23 in its category — the third (Q3) quartile.

Over the trailing 3-year window, NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option has delivered a CAGR of 7.26% — -1.37 pp behind the Retirement Fund category average of 8.63%. The fund ranks #12 of 20 in its category — the third (Q3) quartile.

Over the trailing 5-year window, NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option has delivered a CAGR of 7.29% — -1.13 pp behind the Retirement Fund category average of 8.42%. The fund ranks #12 of 19 in its category — the third (Q3) quartile.

₹1 lakh invested in NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option exactly 10 years ago would be worth approximately ₹212,437 today — a multiplier of 2.12×, based on the 10-year CAGR of 7.83%. The category average over the same window would have grown ₹1 lakh to ₹184,158.

A ₹10,000 monthly SIP in NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹716,289 today. That's an XIRR (money-weighted annualised return) of 7.02%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,768,682 (multiplier 1.47×). XIRR: 7.53%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option ranks #12 out of 19 funds in the Retirement Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.42%; this fund delivered 7.29%.

The worst peak-to-trough decline NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option has experienced over the last 5-year window is 7.40% — its NAV fell from a high on 15 Nov 2021 to a low on 17 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option averaged 8.13% (best 10.05%, worst 5.60%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.13 — weak risk-adjusted performance.

In calendar year 2025, NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option returned 4.50% — lagging the Retirement Fund category average of 4.83% by 0.32 pp. It ranked #15 of 23 in its category that year.

NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 7.4%. 5-year CAGR: 7.29%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Retirement Fund

Recent NAVs

Frequently asked questions

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