Nippon India Retirement Fund Income Generation Scheme
Direct · Growth ₹23.69
18 Aug 2026
NAV
8.2%
3Y CAGR
8.1%
5Y CAGR
8.3%
10Y CAGR
8.2%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
5.46
Sharpe
-7.4%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
0.97%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.46 L | 8.2% | -10.1% | 27.1% |
| 3 Years | ₹36.00 L | ₹40.33 L | 8.0% | 2.0% | 13.7% |
| 5 Years | ₹60.00 L | ₹73.50 L | 8.2% | 4.7% | 11.0% |
| 7 Years | ₹84.00 L | ₹1.11 Cr | 8.1% | 5.7% | 10.2% |
| 10 Years | ₹1.20 Cr | ₹1.83 Cr | 8.2% | 6.8% | 9.2% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 8.2% | 14.4% | 11.7% | -6.1% |
| 3 Years | 8.0% | 11.1% | 12.6% | -3.0% |
| 5 Years | 8.2% | 10.4% | 12.4% | -2.2% |
| 7 Years | 8.1% | 10.6% | 12.6% | -2.5% |
| 10 Years | 8.2% | 11.5% | 11.6% | -3.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 8.2% | 8.3% | -3.4% | 18.5% | 0.35 | 0.64 | 94% | — | — |
| 3 Years | 8.2% | 8.2% | 4.1% | 12.6% | 1.13 | 6.01 | 100% | — | — |
| 5 Years | 8.1% | 8.3% | 5.3% | 10.2% | 1.65 | 10.83 | 100% | — | — |
| 10 Years | 8.3% | 8.3% | 7.5% | 8.9% | 5.46 | — | 100% | — | — |
-7.4%
Max Drawdown
7 mo
Drawdown Duration
3 mo
Recovery Time
-1.3%
Avg Drawdown
Calmar Ratio by Duration
1.11
1Y
1.10
3Y
1.10
5Y
1.09
7Y
1.12
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -0.28 | 0.31 | 30.0% | 25.6% | 3.3% | -2.9% |
| 3 Years | +1.03 | 0.27 | 29.7% | 21.9% | 7.9% | 7.8% |
| 5 Years | +0.41 | 0.25 | 26.8% | 20.2% | 7.2% | 7.8% |
| 7 Years | +0.12 | 0.18 | 23.6% | 18.4% | 7.6% | 11.8% |
| 10 Years | +0.22 | 0.19 | 24.3% | 18.4% | 7.5% | 10.8% |
| 12 Years | +0.51 | 0.19 | 24.4% | 18.0% | 7.4% | 8.8% |
| 15 Years | -0.68 | 0.19 | 24.4% | 18.0% | 5.9% | 7.0% |