Nippon India Retirement Fund - Income Generation Scheme - Regular Growth

Moderately High risk

NAV (15 Oct ’26)

₹19.77

Min SIP Amount

₹500.00

Fund Size (AUM)

₹138.31 Cr

▲ 5.00%3Y Annualized

-0.29%1D Returns

NAV (15 Oct ’26)

₹19.77

Min SIP Amount

₹500.00

Fund Size (AUM)

₹138.31 Cr

Mutual Fund SIP Calculator

Amount I want to invest

₹

/Month

₹100₹10L

Time I want to invest for

Years

1Y40Y

Your expected Annual returns %

1%30%

Step Up

% /Year

0%25%

Invested Amount₹68.73 Lakh

Approx Profit₹1.3 Cr

Estimated Returns₹1.99 Cr

Invested

Estimated Returns

About Nippon India Retirement Fund - Income Generation Scheme - Regular Growth

Nippon India Retirement Fund - Income Generation Scheme - Regular Growth is a mutual fund scheme from Nippon Life India Asset Management Ltd. The fund was launched on 11 February 2015 and is managed by Ritesh Rathod and Pranay Sinha. As of 15 October 2026, the fund has an AUM of ₹138.31 Cr and its latest NAV is ₹19.77. The fund has a Moderately High risk risk rating.

The fund allows minimum SIP of ₹500 and lumpsum investment starting from ₹500.

The fund primarily invests in Financial Services, Consumer Cyclical, and Industrials and its top holdings include 7.06% Govt Stock 2046, 6.68% Govt Stock 2040, 8.13% Govt Stock 2045, 8.17% Govt Stock 2044, and 6.36% Govt Stock 2031. The fund has delivered -3.0% returns over the last 1 year, 5.0% annualised returns over 3 years, 4.6% annualised returns over 5 years, and 6.0% annualised returns since inception.

Nippon India Retirement Fund - Income Generation Scheme - Regular Growth may be suitable for investors looking for long-term wealth creation and who are comfortable with Moderately High risk risk.

Top 10 Holdings

Name	Sector	Value	Weighting
7.06% Govt Stock 2046	--	₹42.50 Cr	30.72%
6.68% Govt Stock 2040	--	₹23.62 Cr	17.08%
8.13% Govt Stock 2045	--	₹22.29 Cr	16.12%
8.17% Govt Stock 2044	--	₹6.89 Cr	4.98%
6.36% Govt Stock 2031	--	₹4.90 Cr	3.55%
6.94% Govt Stock 2036	--	₹4.95 Cr	3.53%
ICICI Bank Ltd	Financial Services	₹3.97 Cr	2.87%
State Bank of India	Financial Services	₹2.88 Cr	2.08%
8.3% Govt Stock 2042	--	₹2.30 Cr	1.66%
Reliance Industries Ltd	Energy	₹2.14 Cr	1.54%

Returns & Rankings

Name	2 Year	3 Year	4 Year	5 Year
Fund returns	-0.11%	+5.00%	+6.11%	+4.56%
Category average	--	--	--	--
Rank	--	--	--	--

Fund Management

Ritesh Rathod

Experience: 0.75 Years

Pranay Sinha

Experience: 5.51 Years

Minimum SIP Amount, Expense Ratio & Exit Load

Nippon India Retirement Fund - Income Generation Scheme - Regular Growth Overview
Minimum SIP Amount	₹500.00
Expense Ratio	2.11% Inclusive of GST
Exit Load	Nil

Nippon India Retirement Fund - Income Generation Scheme - Regular Growth Overview

Minimum SIP Amount

₹500.00

Expense Ratio

2.11%

Inclusive of GST

Exit Load

Nil

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Nippon India Retirement Fund - Income Generation Scheme - Regular Growth FAQ's

What are the returns of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

Nippon India Retirement Fund - Income Generation Scheme - Regular Growth has generated -3.0% returns over 1 year, 5.0% over 3 years and 4.6% over 5 years as of 15 October 2026.

What is today's NAV of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

Currently, the Net Asset Value (NAV) of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth is ₹19.77, as of 15 October 2026.

What are the ways to invest in Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

You can invest in Nippon India Retirement Fund - Income Generation Scheme - Regular Growth through a lumpsum.

What is the minimum SIP investment in Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

The minimum SIP amount for Nippon India Retirement Fund - Income Generation Scheme - Regular Growth is ₹500 per instalment.

What is the expense ratio of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

The expense ratio of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth is 2.11%. It represents the annual expenses levied for managing and operating the fund scheme and is deducted from the fund's NAV rather than being charged separately. For example, if you invest ₹5,000, the annual expense is about ₹106.

What is the risk level of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

As per the fund factsheet published by the fund house, Nippon India Retirement Fund - Income Generation Scheme - Regular Growth is considered to carry Moderately High risk for its investors.

What are the top holdings of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

The top holdings of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth include 7.06% Govt Stock 2046, 6.68% Govt Stock 2040, 8.13% Govt Stock 2045, 8.17% Govt Stock 2044 and 6.36% Govt Stock 2031, based on the latest portfolio disclosure. The fund's holdings may change over time depending on the fund manager's investment strategy.

Is there any lock-in period for Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

Nippon India Retirement Fund - Income Generation Scheme - Regular Growth has no lock-in period for its investors. Thus, the investors of this fund are free to redeem their investments on any date as per their requirements.

How can I redeem my investments in Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

You can redeem your investment in Nippon India Retirement Fund - Income Generation Scheme - Regular Growth on any business day. The exit load is Nil.

Who is the fund manager of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

Nippon India Retirement Fund - Income Generation Scheme - Regular Growth is managed by Ritesh Rathod and Pranay Sinha. A fund manager is an experienced finance professional responsible for making investment decisions and managing the fund's portfolio in line with its investment objective.

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Written By

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Reviewed By

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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.
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Nippon India Retirement Fund - Income Generation Scheme - Regular Growth

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About Nippon India Retirement Fund - Income Generation Scheme - Regular Growth

Top 10 Holdings

Returns & Rankings

Fund Management

Minimum SIP Amount, Expense Ratio & Exit Load

Types of Mutual Funds to Invest in India

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Nippon India Retirement Fund - Income Generation Scheme - Regular Growth FAQ's

What are the returns of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

What is today's NAV of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

What are the ways to invest in Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

What is the minimum SIP investment in Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

What is the expense ratio of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

What is the risk level of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

What are the top holdings of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

Is there any lock-in period for Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

How can I redeem my investments in Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

Who is the fund manager of Nippon India Retirement Fund - Income Generation Scheme - Regular Growth?

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