Nippon India Retirement Fund Income Generation Scheme
Direct · Growth ₹22.94
02 Nov 2026
NAV
8.1%
3Y CAGR
8.1%
5Y CAGR
8.2%
10Y CAGR
8.1%
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.
3.26
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 | ₹12.45 L | 8.1% | -10.1% | 27.1% |
| 3 Years | ₹36.00 L | ₹40.29 L | 7.9% | 1.6% | 13.7% |
| 5 Years | ₹60.00 L | ₹73.41 L | 8.1% | 4.7% | 11.0% |
| 7 Years | ₹84.00 L | ₹1.10 Cr | 8.0% | 5.7% | 10.2% |
| 10 Years | ₹1.20 Cr | ₹1.82 Cr | 8.0% | 6.5% | 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 | 8.1% | 14.3% | 6.8% | -6.2% |
| 3 Years | 7.9% | 11.0% | 12.9% | -3.1% |
| 5 Years | 8.1% | 10.4% | 13.3% | -2.2% |
| 7 Years | 8.0% | 10.6% | 15.2% | -2.6% |
| 10 Years | 8.0% | 11.4% | 12.3% | -3.4% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 8.1% | 8.1% | -3.4% | 18.5% | 0.31 | 0.56 | 93% | — | — |
| 3 Years | 8.1% | 8.1% | 4.1% | 12.6% | 1.10 | 5.91 | 100% | — | — |
| 5 Years | 8.1% | 8.2% | 5.3% | 10.2% | 1.53 | 9.09 | 100% | — | — |
| 10 Years | 8.2% | 8.3% | 6.8% | 8.9% | 3.26 | — | 100% | — | — |
-7.4%
Max Drawdown
7 mo
Drawdown Duration
3 mo
Recovery Time
-1.3%
Avg Drawdown
Calmar Ratio by Duration
1.09
1Y
1.10
3Y
1.09
5Y
1.09
7Y
1.10
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -2.24 | 0.32 | 30.1% | 27.7% | -0.7% | -9.0% |
| 3 Years | -0.08 | 0.28 | 29.4% | 23.2% | 6.6% | 7.0% |
| 5 Years | -0.38 | 0.25 | 26.8% | 21.2% | 5.9% | 5.5% |
| 7 Years | -0.20 | 0.19 | 24.0% | 19.0% | 7.0% | 10.1% |
| 10 Years | -0.32 | 0.19 | 24.1% | 18.9% | 7.0% | 10.7% |
| 12 Years | +0.26 | 0.19 | 24.4% | 18.3% | 7.2% | 8.5% |
| 15 Years | -0.87 | 0.19 | 24.4% | 18.3% | 5.7% | 6.7% |