Sharpe ratio
0.24Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+0.96%1Y Absolute Return
-0.32%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth OptionFund 5Y annualised return | ₹8,49,396 | ₹7,32,612 | ₹1,16,784 | +6.14% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age11.7 yrs
Fund information
Scheme code133569
ISININF204KA1C30
BenchmarkCRISIL Hybrid 85+15 Conservative Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio0.98%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
66th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +46.19% | — | — |
| 3M | -5.48% | — | — |
| 6M | +6.80% | — | — |
| 1Y | +0.96% | — | +1.16% |
| 3Y | +7.17% | — | +8.74% |
| 5Y | +6.14% | — | +7.27% |
| 10Y | +7.19% | — | — |
| Since Launch | +7.51% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.35Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
5.64%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.02How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt70.86%
Equity19.23%
Cash9.91%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 31 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOI CGL 7.06 10/10/2046 | Entities | Central Government Loan | 30.55% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 16.87% |
| GOI 8.13 22/06/2045 | Entities | GOI Securities | 15.99% |
| Repo | Unspecified | Repo | 8.88% |
| GOI Sec 8.17 01/12/2044 | Entities | GOI Securities | 4.92% |
| ICICI Bank Ltd | Financial | Equity | 2.86% |
| State Bank of India | Financial | Equity | 2.13% |
| HDFC Bank Ltd | Financial | Equity | 1.66% |
| GOI Sec 8.30 31/12/2042 | Entities | GOI Securities | 1.64% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 1.61% |
Fund management
PR
Pranay Sinha
Since 2021 · Prior to joining Nippon India Mutual Fund, he has worked with ABSLAMC, BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).
Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.
RI
Ritesh Rathod
Since 2025 · Prior to joining Nippon India Mutual Fund, he has worked with Alchemy Capital and Mutual Fund
Mr. Rathod has done CFA, FRM and MBA in Finance
AM
Amber Singhania
Since 2026 · Prior to joining the Nippon India AMC, he was associated with Asian Markets Securities Pvt. Ltd.
MMS Finance (Mumbai University)
KI
Kinjal Desai
Since 2018 · She has been working with Nippon India Mutual Fund since year, 2012
Ms. Desai has done B.A (Economics), MSc. (Economics) and has cleared CFA Level 1
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -7.4%, volatility 5.6%. Trailing its category average over 3Y by 1.6 points.
Strengths
- Losses and swings stayed contained — worst fall -7.4%, volatility 5.6%.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 15% of the portfolio.
- Same fund manager for 8+ years — the strategy has not chopped and changed.
Weaknesses
- Trailing its category average over 3Y by 1.6 points.
- Ranks 66 of 106 in its category over 1 year.
Ideal investor
- Needs a 3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None