ReviewDirect · Growth
Nippon India Retirement Fund- Income Generation Scheme
Nippon India Mutual FundSolution Oriented Scheme - Retirement Fund11.6 years
- NAV
- 23.1454
- 15 Sept 2026
- 1Y
- +1.6%
- Trailing CAGR
- AUM
- ₹142.87 Cr
- 31 Aug 2026
- Volatility
- Low
- 4.9% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+1.6%
- 3Y+6.7%
- 5Y+6.4%
- 10Y+7.2%
- SI+7.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.8%
- 3Y+4.3%
- 5Y+6.4%
- 10Y+7.2%
- Since inception
- +7.6%
- Calendar-day CAGR
- Excess 1Y
- -3.5%
- Category median, same plan and option
- 3Y win rate
- +20%
- Windows beating the median
- 3Y percentile
- 6
- Vs comparable share classes
- Worst rolling 3Y
- +4.1%
- 2076 daily-ending windows
- Median rolling 3Y
- +8.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1593 daily-ending windows
- SIP 3Y XIRR
- +4.3%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 159 recovered episodes
- Longest recovery
- 140 days
- Trough to prior peak
- Current spell
- 28 days
- Days below latest peak
- Time below peak
- +84%
- NAV observations
15 Nov 2021 – 7 Sept 2022
Trough 17 Jun 2022 · recovered in 82 days
-7.4%
6 Mar 2020 – 18 Jun 2020
Trough 23 Mar 2020 · recovered in 87 days
-6.8%
6 Apr 2018 – 4 Dec 2018
Trough 9 Oct 2018 · recovered in 56 days
-5.7%
16 Jul 2019 – 7 Feb 2020
Trough 20 Sept 2019 · recovered in 140 days
-5.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
6
Vs category
28
Consistency
26
Risk-adjusted
50
Drawdown
82
Mean
38
Portfolio
31 Aug 2026 · 31 holdings · top 10 are 84.8%.
- Top 5
- 72.8%
- Top 10
- 84.8%
- Largest holding
- 30.6%
- Effective holdings
- 6.4
GOI CGL 7.06 10/10/2046
Entities
30.6%
GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100
Entities
16.9%
GOI 8.13 22/06/2045
Entities
15.9%
GOI Sec 8.17 01/12/2044
Entities
4.9%
Repo
Unspecified
4.6%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
DECISION
Status moved from REVIEW to MONITOR.
8 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 11 Sept 2026
Review
Engine status
Review
Closer look
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Tata Retirement Savings Fund-Conservative Plan
Tata Mutual Fund
- 1Y
- +5.0%
- 3Y
- +7.8%
- Vol
- 4.9%
- Max DD
- -11.0%
- Sharpe
- 0.90
- 3Y win
- +21%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.1%
- 3Y
- +8.2%
- Vol
- 3.2%
- Max DD
- -5.0%
- Sharpe
- 0.61
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
ICICI Prudential Retirement Fund Pure Debt Plan
ICICI Prudential Mutual Fund
- 1Y
- +4.5%
- 3Y
- +6.7%
- Vol
- 1.8%
- Max DD
- -2.7%
- Sharpe
- 1.23
- 3Y win
- +2%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +11.3%
- 3Y
- +14.9%
- Vol
- 15.7%
- Max DD
- -34.2%
- Sharpe
- 0.53
- 3Y win
- +94%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Retirement Fund-The 40s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +1.2%
- 3Y
- +10.4%
- Vol
- 12.1%
- Max DD
- -27.3%
- Sharpe
- 0.47
- 3Y win
- +42%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown