Nippon India Retirement Fund- Income Generation Scheme - Direct Plan - IDCW

NAVs of 6 Nov 2026

Nippon India Mutual Fund · Solution oriented fund · Direct plan · IDCW

RetirementDirect · IDCWRisk: Moderately High

NAV · 5 Nov 2026

₹23.4383 ▲ 0.79%

Nippon India Mutual Fund

Fund size₹143 crJuly - September 2026

1-month range₹22.67 – 23.44

1 year+1.46%

3 years+7.21%a year

5 years+6.44%a year

What the fund does

The investment objective of the scheme is to provide capital appreciation to the investors, which will be in line with their long term savings goal, by investing in a diversified portfolio of equity & equity related instruments with small exposure to fixed income securities. Although, the objective of the Fund is to generate optimal returns, the objective may or may not be achieved.

BenchmarkTier 1 Benchmark: CRISIL Hybrid 85+15 - Conservative Index

Launched11 Feb 2015

Fund houseNippon India Mutual Fund

Fund managersFM 1 Pranay SinhaFM 2 Ritesh Rathod

NAV history

Returns

1 week

+2.88%avg 3.7%

1 month

+2.17%avg 2.6%

3 months

-1.10%avg -1.1%

6 months

+1.79%avg 1.9%

This year

+1.07%avg 0.8%

1 year

+1.46%avg 1.4%

3 years (a year)

+7.21%avg 10.3%

5 years (a year)

+6.44%avg 9.1%

Bars: this plan; the thin mark is the Retirement average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2024												+0.2
2025	-0.4	-1.3	+2.8	+1.8	+1.8	-0.9	+0.5	-2.1	+1.3	+0.6	+0.8	-0.3
2026	-0.8	+0.7	-4.2	+2.4	+0.2	+3.0	+0.4	-0.0	-2.6	-0.7	+3.0

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Amount (₹) Started

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Holdings2831 lines in all

Top 10 holdings82.1%of the fund

Debt74.9%bonds, government securities

Money market0.0%CDs, CPs, treasury bills

Where the money is

Equity 19.2%Debt 74.9%Cash & others 5.9%

Credit quality (debt and money market)

Sovereign

74.9%

Changes since 31 Aug 2026

Share of fund	30 Sept 2026	31 Aug 2026	Change
Stocks held	19.2%	19.9%	-0.77
Debt	74.9%	74.2%	+0.74
Cash & others	5.9%	5.9%	+0.03
Top 10 stocks	14.6%	15.1%	-0.50
Number of stocks	21	21	0

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Stocks held 21

Holding	Sector / type	% of fund
ICICI Bank Limited INE090A01021	Banks	2.87%
State Bank of India INE062A01020	Banks	2.08%
HDFC Bank Limited INE040A01034	Banks	1.54%
Reliance Industries Limited INE002A01018	Petroleum Products	1.54%
Larsen & Toubro Limited INE018A01030	Construction	1.29%
Axis Bank Limited INE238A01034	Banks	1.15%
Samvardhana Motherson International Limited INE775A01035	Auto Components	1.13%
NTPC Limited INE733E01010	Power	1.11%
Eternal Limited INE758T01015	Retailing	0.99%
Mahindra & Mahindra Limited INE101A01026	Automobiles	0.85%
Dixon Technologies (India) Limited INE935N01020	Consumer Durables	0.71%
Cummins India Limited INE298A01020	Industrial Products	0.69%
Infosys Limited INE009A01021	IT - Software	0.66%
Mishra Dhatu Nigam Limited INE099Z01011	Aerospace & Defense	0.44%
Tata Consultancy Services Limited INE467B01029	IT - Software	0.44%
SBI Life Insurance Company Limited INE123W01016	Insurance	0.43%
Crompton Greaves Consumer Electricals Limited INE299U01018	Consumer Durables	0.30%
Kaynes Technology India Limited INE918Z01012	Industrial Manufacturing	0.28%
Sun Pharmaceutical Industries Limited INE044A01036	Pharmaceuticals & Biotechnology	0.26%
Tube Investments of India Limited INE974X01010	Auto Components	0.21%
Apollo Hospitals Enterprise Limited INE437A01024	Healthcare Services	0.18%

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Bonds, money market and cash 10

Holding	Sector / type	% of fund
7.06% Government of India IN0020160068	SOVEREIGN	30.72%
6.68% Government of India IN0020250042	SOVEREIGN	17.08%
8.13% Government of India IN0020150044	SOVEREIGN	16.12%
8.17% Government of India IN0020140078	SOVEREIGN	4.98%
Triparty Repo	–	4.20%
6.36% Government of India IN0020250141	SOVEREIGN	3.55%
Net Current Assets	–	1.69%
8.3% Government of India IN0020120062	SOVEREIGN	1.66%
8.83% Government of India IN0020110063	SOVEREIGN	0.82%
Cash Margin - CCIL	–	0.03%

From the fund house's monthly portfolio (mf.nipponindiaim.com), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility5.6%yearly, from daily NAVs

Worst fall-4.93%27 Nov 2025 → 2 Apr 2026

RiskometerModerately HighModerately High

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Fund details

Fund size (average AUM, July - September 2026)	₹143 cr across all plans · this plan ₹0.02 cr
Fund house	Nippon India Mutual Fund
Category	Solution oriented · Retirement
Plan	Direct
Option	IDCW
Minimum investment	₹500 · additional ₹500
Scheme code (AMFI)	133629
ISIN	INF204KA1C55
NAV date	5 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

Plan	NAV	1 year
Direct · Growth	₹23.4383	+1.46%
Direct · IDCW	₹23.4383	+1.46%
Regular · Growth	₹20.2951	+0.35%
Regular · IDCW	₹20.2979	+0.35%
Regular · IDCW	₹20.2951	+0.35%

Top Retirement funds (direct plans)

Fund	1 year	3 years (a year)
ICICI Prudential Retirement Fund Pure Equity Plan	+2.60%	+20.47%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan	+2.04%	+17.59%
Aditya Birla Sun Life Retirement Fund-The 30s Plan	+11.73%	+17.45%
Union Retirement Fund	+2.93%	+13.55%
Axis Retirement Fund - Dynamic Plan	-0.27%	+13.05%
Axis Retirement Fund - Aggressive Plan	-0.44%	+12.11%
Aditya Birla Sun Life Retirement Fund-The 40s Plan	+1.09%	+12.07%
Nippon India Retirement Fund- Wealth Creation Scheme	-2.50%	+11.60%

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Information only, not investment advice.

What is the NAV of Nippon India Retirement Fund- Income Generation Scheme - Direct Plan - IDCW today?

₹23.4383 as of 5 Nov 2026, from AMFI's official NAV data.

What are the returns of Nippon India Retirement Fund- Income Generation Scheme - Direct Plan - IDCW?

1 year: 1.46%, 3 years: 7.21% a year, 5 years: 6.44% a year

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.