Nippon India Retirement Fund-Income Generation Scheme Dividend Plan IDCW Payout Option
Nippon India Mutual Fund
₹19.78 (+0.30%)
NAV as of 9 Oct 2026
Minimum Investment: ₹500
Return
-2.43% Returns for 1Y
Expense ratio & Others
- Net expense ratio
- 2.08%
- Exit load
- 0%
- Lock-in
- No
- Minimum investment
- ₹500
- Category
- Retirement
Expense ratio is inclusive of GST. Returns may be taxed based on the fund type and your holding period — please read the scheme-related documents and consult a tax advisor. Figures are historical and do not guarantee future results.
Fund Returns Estimator
One-time investment
₹1,000
6 months
₹1,002
Invested ₹1,000
▲+0.18%1 year
₹976
Invested ₹1,000
▼-2.43%3 years
₹1,054
Invested ₹1,000
▲+5.36%5 years
₹1,047
Invested ₹1,000
▲+4.69%
Based on the fund’s historic trailing returns — a planning illustration, not a guarantee of future results.
Invest One-TimePlan it your way
The figures above are fixed to this fund’s past returns over set periods. Use a calculator to set your own amount, tenure and expected rate of return.
Risk level
Riskometer scale
- Low
- Low to Moderate
- Moderate
- Moderate to HighThis fund
- High
- Very High
Riskometer level assigned by the fund house as per SEBI norms. It can change as the scheme’s portfolio changes.
Fund benchmark
| Primary Index Name | — |
|---|---|
| Secondary Index Name | — |
| Index Name | CRISIL Hybrid 85+15 - ConservativeTR INR |
| Weighting | 100% |
Returns
| 1Y | 3Y | 5Y | 10Y | |
|---|---|---|---|---|
| Fund returns (%) | -2.43% | +5.36% | +4.69% | — |
| Cumulative returns (%) | -2.43% | +16.95% | +25.76% | +71.95% |
Fund Manager
| Manager | Ritesh Rathod |
|---|---|
| Role | Manager |
| Manager Tenure | 0.75 yrs |
About Fund
| Date of Incorporation | 11 Feb 2015 |
|---|---|
| Fund House | Nippon India Mutual Fund |
| Custodian | Deutsche Bank AG |
| Registrar / Transfer Agent | Nippon Life India Asset Management Ltd |
| Address | 1 Great Winchester Street |
Top Holdings
| Company | Weightage (%) |
|---|---|
| 7.06% Govt Stock 2046 | 30.88% |
| 7.62% Gs 2039 | 18.04% |
| 6.68% Govt Stock 2040 | 17.02% |
| 8.13% Govt Stock 2045 | 15.97% |
| 8.17% Govt Stock 2044 | 4.95% |
| 6.94% Govt Stock 2036 | 3.53% |
| ICICI Bank Ltd | 2.89% |
| 6.79% Gs 2034 | 2.76% |
| State Bank of India | 2.07% |
| 8.3% Govt Stock 2042 | 1.66% |
| Reliance Industries Ltd | 1.59% |
| HDFC Bank Ltd | 1.53% |
| NTPC Ltd | 1.34% |
| Larsen & Toubro Ltd | 1.30% |
Investment Strategy
The investment objective of the scheme is to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities. However, there can be no assurance or guarantee that the investment objective of the Scheme will be achieved.
The fund's investment objective is to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in fixed income oriented portfolio with a low to moderate exposure (upto 30%) in equities. Thus the fund attempts to generate potentially higher returns by combining stability of fixed income along with growth possibilities of equities. On the fixed income allocation the fund will attempt to have an optimal blend of duration and accruals with investments in high quality instruments. The equity portolio will be invested pre-dominantly in large cap companies with tactical allocation to mid cap stocks. The fund is well suited for investors in the post -retirement phase seeking regular income with lower volatility.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. The data shown is for information only and does not constitute investment advice.