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 - 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: 8.1%. 5-year CAGR: 5.39%.

Nippon India

NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option

Latest NAV

₹19.7455

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%	+0.10%	+0.02	5 / 9	Q3
1W	+0.05%	-0.70%	+0.76	2 / 9	Q1
2W	+0.52%	+0.13%	+0.39	1 / 9	Q1
1M	-0.34%	-0.71%	+0.37	4 / 9	Q2
3M	-1.74%	-0.54%	-1.20	8 / 9	Q4
6M	-2.69%	-3.43%	+0.73	5 / 9	Q3
YTD	-2.51%	-2.88%	+0.37	5 / 9	Q3
1Y	-3.27%	+0.26%	-3.53	7 / 9	Q4
2Y	+2.67%	+2.69%	-0.02	7 / 9	Q4
3Y	+5.58%	+9.44%	-3.86	7 / 9	Q4
4Y	+7.20%	+9.33%	-2.13	6 / 9	Q3
5Y	+5.39%	+8.28%	-2.89	7 / 9	Q4
7Y	+5.96%	+8.09%	-2.13	6 / 9	Q3
10Y	+6.53%	+5.72%	+0.82	3 / 5	Q3
Inception	+6.21%	+8.03%	-1.83	5 / 9	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	-2.51%	-2.88%	+0.37	5 / 9
2025	+3.35%	+4.73%	-1.38	7 / 9
2024	+11.37%	+12.35%	-0.98	5 / 9
2023	+9.84%	+17.85%	-8.01	7 / 9
2022	+1.93%	+1.57%	+0.35	5 / 9
2021	+4.61%	+16.36%	-11.74	7 / 9
2020	+10.33%	+7.53%	+2.80	5 / 9
2019	+8.35%	+4.07%	+4.28	2 / 5
2018	+4.42%	-1.95%	+6.36	1 / 5
2017	+5.01%	+14.67%	-9.66	4 / 5
2016	+10.24%	+5.67%	+4.57	1 / 5

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 3.6% · max 11.1%

100% positive

5-Year rolling

+6.83%

77 windows

min 4.2% · max 8.4%

100% positive

7-Year rolling

+6.82%

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

-5.71%

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
NIPPON INDIA RETIREMENT FUND - WEALTH CREATION SCHEME - IDCW Option	Nippon India	₹18.4980	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - IDCW Option	ICICI Prudential	₹27.1600	3 Jun 2026
Templeton India Pension Plan-Dividend	Franklin Templeton	₹16.2297	3 Jun 2026
UTI - Retirement Benefit Pension Fund	UTI	₹49.2493	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹19.7455
2 Jun 2026	₹19.7787
1 Jun 2026	₹19.7562
29 May 2026	₹19.8068
27 May 2026	₹19.8353
26 May 2026	₹19.7685
25 May 2026	₹19.8474
22 May 2026	₹19.7145
21 May 2026	₹19.6744
20 May 2026	₹19.6910

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 - IDCW Option is ₹19.7455. It's a Retirement Fund from Nippon India, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW 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 - 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 - IDCW Option has delivered a absolute return of -3.27% — -3.53 pp behind the Retirement Fund category average of 0.26%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option has delivered a CAGR of 5.58% — -3.86 pp behind the Retirement Fund category average of 9.44%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option has delivered a CAGR of 5.39% — -2.89 pp behind the Retirement Fund category average of 8.28%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option exactly 10 years ago would be worth approximately ₹188,298 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 ₹174,374.

A ₹10,000 monthly SIP in NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹679,259 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 - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,620,357 (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 - IDCW Option ranks #7 out of 9 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 8.28%; this fund delivered 5.39%.

The worst peak-to-trough decline NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW 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 - IDCW Option averaged 6.83% (best 8.39%, worst 4.22%). 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 - IDCW Option returned 3.35% — lagging the Retirement Fund category average of 4.73% by 1.38 pp. It ranked #7 of 9 in its category that year.

NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - 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 - 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: 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 - 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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