Mutual fund · Retirement· NAV-verified
Nippon India Retirement Fund - Income Generation Scheme
₹138 cr across 21 positions, as filed for 2026-09-30. Returns are the fund's AMFI growth-plan NAV; holdings and behavior come from its filed monthly portfolios.
Returns, against the category
Q2 FY27: −1% over 1 year against the median Retirement fund's +1%.
| Over | Quarter | 1 year | 3 years (ann.) | 5 years (ann.) |
|---|---|---|---|---|
| Nippon India Retirement Fund - Income Generation Scheme | −3% | −1% | +5% | +5% |
| Median Retirement fund | −2% | +1% | +7% | +7% |
+10%Q3 FY24+15%Q4 FY24+13%Q1 FY25+16%Q2 FY25+11%Q3 FY25+8%Q4 FY25+6%Q1 FY26+1%Q2 FY26+3%Q3 FY26−2%Q4 FY260%Q1 FY27−1%Q2 FY27
What moved the fund, last 12 filed months
Contribution = the fund's filed weight each month × that stock's price move in its own filings, in percentage points of NAV. Corporate-action months are left out.
| Stock | 12 months | Latest month |
|---|---|---|
| Samvardhana Motherson International Limited | +0.5 pp | −0.0 pp |
| State Bank of India | +0.3 pp | −0.2 pp |
| Cummins India Limited | +0.2 pp | −0.0 pp |
| Axis Bank Limited | +0.2 pp | −0.1 pp |
| Mishra Dhatu Nigam Limited | +0.1 pp | +0.0 pp |
| Stock | 12 months | Latest month |
|---|---|---|
| HDFC Bank Limited | −0.5 pp | −0.0 pp |
| Infosys Limited | −0.3 pp | −0.1 pp |
| Reliance Industries Limited | −0.2 pp | −0.1 pp |
| Tata Consultancy Services Limited | −0.2 pp | −0.1 pp |
| Kaynes Technology India Limited | −0.2 pp | −0.0 pp |
Holdings, as filed for 2026-09-30
| Holding | Sector | % of fund | Value | Held for | Vs avg cost |
|---|---|---|---|---|---|
| ICICI Bank | Financial Services | 2.87% | ₹4 cr | 140 mo | +233% |
| State Bank of India | Financial Services | 2.08% | ₹3 cr | 123 mo | +79% |
| HDFC Bank | Financial Services | 1.54% | ₹2 cr | 140 mo | +33% |
| Reliance Industries Limited | Oil, Gas & Consumable Fuels | 1.54% | ₹2 cr | 113 mo | +44% |
| Larsen & Toubro Limited | Construction | 1.29% | ₹2 cr | 140 mo | +154% |
| Axis Bank | Financial Services | 1.15% | ₹2 cr | 113 mo | +154% |
| Samvardhana Motherson International Limited | Automobile and Auto Components | 1.13% | ₹2 cr | 52 mo | +144% |
| NTPC Limited | Power | 1.11% | ₹2 cr | 30 mo | -8% |
| Eternal Ltd | Consumer Services | 0.99% | ₹1 cr | 56 mo | +356% |
| M & M | Automobile and Auto Components | 0.85% | ₹1 cr | 21 mo | +1% |
| Dixon Technologies (India) Limited | Consumer Durables | 0.71% | ₹1 cr | 53 mo | +240% |
| Cummins India Limited | Capital Goods | 0.69% | ₹1 cr | 28 mo | +21% |
| Infosys | Information Technology | 0.66% | ₹1 cr | 140 mo | +22% |
| Mishra Dhatu Nigam Limited | Capital Goods | 0.44% | ₹1 cr | 75 mo | +119% |
| Tata Consultancy Services Limited | Information Technology | 0.44% | ₹1 cr | 74 mo | -15% |
How this fund actually behaves
Computed from every filed monthly portfolio (140 months of filings) by the research pipeline.
| Holding patience | Median months a position is held (25th–75th band) | 21 mo (13–41) |
| Win rate on exits | Closed positions sold above entry, and the payoff ratio (18 exits) | 67% · payoff 1.8× |
| Loser handling | Cuts losers vs averages down, from 12 months of filings | Mixed |
| Entry valuation discipline | Median P/E paid on entries over 36 months; share above 50× | 64× · 57% over 50× |
| Portfolio valuation today | Weighted P/E and P/B of the current book at filed prices | 31.2× P/E · 4.9× P/B · 2% loss-makers |
| Churn | Stocks entered and exited in 12 months, of 21 positions | 1 in · 6 out |
| Concentration | Top 10 holdings' share; effective number of positions | 15% · ~14 effective |