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 - Growth 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: 6.13%.

Nippon India

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

Latest NAV

₹20.4079

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	-0.01%	+0.19%	-0.19	10 / 11	Q4
1W	-0.18%	-0.02%	-0.16	11 / 11	Q4
2W	-0.18%	+0.14%	-0.31	10 / 11	Q4
1M	+1.22%	+1.07%	+0.14	5 / 11	Q2
3M	+2.27%	+1.59%	+0.68	4 / 11	Q2
6M	+1.32%	+0.73%	+0.59	6 / 11	Q3
YTD	+0.60%	-0.13%	+0.73	6 / 11	Q3
1Y	+0.59%	+1.42%	-0.83	7 / 11	Q3
2Y	+2.97%	+2.92%	+0.04	7 / 11	Q3
3Y	+6.12%	+10.60%	-4.48	10 / 11	Q4
4Y	+7.83%	+12.35%	-4.51	9 / 11	Q4
5Y	+6.13%	+10.42%	-4.29	9 / 11	Q4
7Y	+5.77%	+10.93%	-5.16	11 / 11	Q4
10Y	+6.55%	+9.85%	-3.30	7 / 7	Q4
Inception	+6.43%	+10.76%	-4.33	10 / 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	+0.60%	-0.13%	+0.73	6 / 11
2025	+3.35%	+5.70%	-2.34	9 / 11
2024	+11.37%	+15.02%	-3.65	8 / 11
2023	+9.84%	+21.68%	-11.84	10 / 11
2022	+1.93%	+2.84%	-0.91	7 / 11
2021	+4.61%	+20.89%	-16.27	9 / 11
2020	+10.31%	+10.17%	+0.14	7 / 11
2019	+8.35%	+6.46%	+1.89	2 / 7
2018	+4.42%	-1.56%	+5.98	2 / 7
2017	+5.01%	+22.74%	-17.73	7 / 7
2016	+10.24%	+4.19%	+6.05	2 / 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

+6.95%

128 windows

min -4.4% · max 16.0%

88% positive

3-Year rolling

+6.89%

103 windows

min 3.4% · max 10.8%

100% positive

5-Year rolling

+6.84%

79 windows

min 4.3% · max 8.6%

100% positive

7-Year rolling

+6.79%

55 windows

min 5.6% · 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

5.02%

3-year · annualised

Sharpe ratio

-0.08

vs risk-free 6.5%

Sortino ratio

-0.16

Downside-only deviation

Max drawdown

-5.72%

May 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
HDFC Retirement Savings Fund - Equity Plan - Growth Option	HDFC	₹48.9310	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹241.8786	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹20.4079
16 Jul 2026	₹20.4091
15 Jul 2026	₹20.3838
14 Jul 2026	₹20.3461
13 Jul 2026	₹20.4298
10 Jul 2026	₹20.4442
9 Jul 2026	₹20.3903
8 Jul 2026	₹20.3610
7 Jul 2026	₹20.5034
6 Jul 2026	₹20.5229

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-Growth Plan - Growth Option is ₹20.4079. 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 - Growth 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-Growth Plan - Growth 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 - Growth Option has delivered a absolute return of 0.59% — -0.83 pp behind the Retirement Fund category average of 1.42%. The fund ranks #7 of 11 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option has delivered a CAGR of 6.12% — -4.48 pp behind the Retirement Fund category average of 10.60%. 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 - Growth Option has delivered a CAGR of 6.13% — -4.29 pp behind the Retirement Fund category average of 10.42%. The fund ranks #9 of 11 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option exactly 10 years ago would be worth approximately ₹188,558 today — a multiplier of 1.89×, based on the 10-year CAGR of 6.55%. The category average over the same window would have grown ₹1 lakh to ₹255,875.

A ₹10,000 monthly SIP in Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹695,708 today. That's an XIRR (money-weighted annualised return) of 5.86%.

A ₹10,000 monthly SIP for 10 years in Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,659,627 (multiplier 1.38×). XIRR: 6.31%. 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 - Growth Option ranks #9 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 10.42%; this fund delivered 6.13%.

The worst peak-to-trough decline Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth 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 - Growth Option averaged 6.84% (best 8.64%, worst 4.30%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.08 — negative risk-adjusted performance.

In calendar year 2025, Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option returned 3.35% — lagging the Retirement Fund category average of 5.70% by 2.34 pp. It ranked #9 of 11 in its category that year.

Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth 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 - Growth 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: 6.13%.

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 - Growth 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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