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Nippon India Retirement Fund- Income Generation Scheme-Growth Plan - Growth Option is a solution scheme managed by Nippon India Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 7.58%, with the bottom and top quartiles at 6.57% and 8.19% respectively. It has ranked in the top half of its category for 4 of the last 10 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 2.05% on assets of ₹141Cr. The fund is currently managed by Pranay Sinha, appointed within the last year.
Lower is better.
| Holding | Sector | Weight |
|---|
| Window | Min | P25 | Median |
|---|
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| 7.06% Government of India | SOVEREIGN | 30.31% |
| 6.68% Government of India | SOVEREIGN | 16.70% |
| 8.13% Government of India | SOVEREIGN | 15.90% |
| 8.17% Government of India | SOVEREIGN | 4.94% |
| ICICI Bank Limited | Financial Services | 2.69% |
| State Bank of India | Financial Services | 2.27% |
| Reliance Industries Limited | Energy | 1.82% |
| 8.3% Government of India | SOVEREIGN | 1.65% |
| HDFC Bank Limited | Financial Services | 1.64% |
| Larsen & Toubro Limited | Industrials | 1.35% |
| NTPC Limited | Utilities | 1.34% |
| Axis Bank Limited | Financial Services | 1.17% |
| Mahindra & Mahindra Limited | Consumer Cyclical | 0.88% |
| Samvardhana Motherson International Limited | Consumer Cyclical | 0.82% |
| 8.83% Government of India | SOVEREIGN | 0.80% |
| Infosys Limited | Technology | 0.77% |
| Cummins India Limited | Industrials | 0.75% |
| Eternal Limited | Consumer Cyclical | 0.75% |
| Dixon Technologies (India) Limited | Technology | 0.59% |
| Tata Consultancy Services Limited | Technology | 0.53% |
| SBI Life Insurance Company Limited | Financial Services | 0.45% |
| Crompton Greaves Consumer Electricals Limited | Consumer Cyclical | 0.39% |
| Mishra Dhatu Nigam Limited | Basic Materials | 0.38% |
| Kaynes Technology India Limited | Technology | 0.32% |
| Sun Pharmaceutical Industries Limited | Healthcare | 0.26% |
| Sector | Holdings | Weight |
|---|---|---|
| SOVEREIGN | 6 | 70.30% |
| Banks | 4 | 7.77% |
| Petroleum Products | 1 | 1.82% |
| Construction | 1 | 1.35% |
| Power | 1 | 1.34% |
| IT - Software | 2 | 1.30% |
| Auto Components | 2 | 1.07% |
| Consumer Durables | 2 | 0.98% |
| Automobiles | 1 | 0.88% |
| Retailing | 1 | 0.75% |
| Industrial Products | 1 | 0.75% |
| Insurance | 1 | 0.45% |
| Aerospace & Defense | 1 | 0.38% |
| Industrial Manufacturing | 1 | 0.32% |
| Pharmaceuticals & Biotechnology | 1 | 0.26% |
| Healthcare Services | 1 | 0.16% |
Active bets vs the average Solution fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -3.94% | 2.88% | 6.45% | 10.61% | 16.36% | 89.5% |
| 3Y | 5.23% | 6.57% | 7.58% | 8.19% | 11.48% | 100.0% |
| 5Y | 5.23% | 5.94% | 6.70% | 7.26% | 8.20% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 79.3% means the manager bets the fund's outcome on a small basket. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Solution.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
Does the fund get worse as it gets bigger? Each dot is one historical manager-tenure: AUM at tenure-end vs alpha delivered during that tenure.
Correlation is too weak to confirm or rule out capacity-driven alpha decay. Re-evaluate as more manager-tenure data accumulates.
Each dot is one manager-tenure: X = AUM at tenure end, Y = alpha during that tenure. Connecting line in chronological order. Pearson r measures the linear relationship between AUM and alpha across the historical record. n = 2 data points.