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- Growth Plan- Bonus 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: 8.1%. 5-year CAGR: 5.39%.

Nippon India

Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option

Latest NAV

₹19.7428

As of

3 Jun 2026

2,729 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	+0.11%	+0.16%	-0.04	6 / 11	Q3
1W	+0.05%	-0.86%	+0.91	2 / 11	Q1
2W	+0.52%	+0.10%	+0.42	1 / 11	Q1
1M	-0.34%	-1.05%	+0.71	4 / 11	Q2
3M	-1.74%	-1.48%	-0.26	5 / 11	Q2
6M	-2.69%	-3.09%	+0.39	6 / 11	Q3
YTD	-2.51%	-3.28%	+0.76	6 / 11	Q3
1Y	-3.27%	+0.25%	-3.52	8 / 11	Q3
2Y	+2.67%	+3.39%	-0.72	6 / 11	Q3
3Y	+5.58%	+11.15%	-5.57	10 / 11	Q4
4Y	+7.20%	+11.57%	-4.36	9 / 11	Q4
5Y	+5.39%	+10.29%	-4.90	10 / 11	Q4
7Y	+5.96%	+10.25%	-4.29	9 / 11	Q4
10Y	+6.53%	+9.87%	-3.34	6 / 7	Q4
Inception	+6.21%	+10.54%	-4.34	9 / 11	Q4

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	-2.51%	-3.28%	+0.76	6 / 11
2025	+3.35%	+5.70%	-2.34	8 / 11
2024	+11.37%	+15.02%	-3.65	7 / 11
2023	+9.84%	+21.68%	-11.84	9 / 11
2022	+1.94%	+2.84%	-0.91	6 / 11
2021	+4.60%	+20.89%	-16.28	10 / 11
2020	+10.32%	+10.17%	+0.14	6 / 11
2019	+8.35%	+6.46%	+1.89	1 / 7
2018	+4.42%	-1.56%	+5.98	1 / 7
2017	+5.01%	+22.74%	-17.73	6 / 7
2016	+10.24%	+4.19%	+6.05	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

+6.92%

126 windows

min -4.4% · max 15.5%

90% positive

3-Year rolling

+6.84%

102 windows

min 3.5% · max 11.1%

100% positive

5-Year rolling

+6.83%

77 windows

min 4.2% · max 8.4%

100% positive

7-Year rolling

+6.81%

53 windows

min 5.8% · max 8.2%

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

5.06%

3-year · annualised

Sharpe ratio

-0.18

vs risk-free 6.5%

Sortino ratio

-0.30

Downside-only deviation

Max drawdown

-5.72%

May 2025 → Apr 2026

% positive months

66.7%

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
HDFC Retirement Savings Fund - Equity Plan - Growth Option	HDFC	₹46.8480	3 Jun 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹19.7204	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹30.3700	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹12.8150	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹23.5840	3 Jun 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹235.8290	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹19.4100	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹19.7428
2 Jun 2026	₹19.7760
1 Jun 2026	₹19.7535
29 May 2026	₹19.8041
27 May 2026	₹19.8326
26 May 2026	₹19.7658
25 May 2026	₹19.8446
22 May 2026	₹19.7118
21 May 2026	₹19.6717
20 May 2026	₹19.6883

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 03 Jun 2026, the NAV of Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option is ₹19.7428. It's a Retirement Fund from Nippon India, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option has NAV history starting from 13 Feb 2015, a track record of about 11 years 3 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- Growth Plan- Bonus 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- Growth Plan- Bonus Option has delivered a absolute return of -3.27% — -3.52 pp behind the Retirement Fund category average of 0.25%. The fund ranks #8 of 11 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option has delivered a CAGR of 5.58% — -5.57 pp behind the Retirement Fund category average of 11.15%. The fund ranks #10 of 11 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option has delivered a CAGR of 5.39% — -4.9 pp behind the Retirement Fund category average of 10.29%. The fund ranks #10 of 11 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option exactly 10 years ago would be worth approximately ₹188,273 today — a multiplier of 1.88×, based on the 10-year CAGR of 6.53%. The category average over the same window would have grown ₹1 lakh to ₹256,346.

A ₹10,000 monthly SIP in Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹679,279 today. That's an XIRR (money-weighted annualised return) of 4.90%.

A ₹10,000 monthly SIP for 10 years in Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option = ₹1,200,000 invested. It would currently be worth ₹1,620,273 (multiplier 1.35×). XIRR: 5.85%. 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- Growth Plan- Bonus Option ranks #10 out of 11 funds in the Retirement Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.29%; this fund delivered 5.39%.

The worst peak-to-trough decline Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option has experienced over the last 5-year window is 8.09% — 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- Growth Plan- Bonus Option averaged 6.83% (best 8.39%, worst 4.21%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.21 — negative risk-adjusted performance.

In calendar year 2025, Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus Option returned 3.35% — lagging the Retirement Fund category average of 5.70% by 2.34 pp. It ranked #8 of 11 in its category that year.

Nippon India Retirement Fund- Income Generation Scheme- Growth Plan- Bonus 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- Growth Plan- Bonus 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: 8.1%. 5-year CAGR: 5.39%.

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- Growth Plan- Bonus 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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