ICICI Prudential Retirement Fund Hybrid Aggressive Plan vs Nippon India Retirement Fund- Income Generation Scheme
ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Nippon India Retirement Fund- Income Generation Scheme are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +17.55% vs +7.20%, 5-year CAGR +13.86% vs +6.33%, volatility 13.81% vs 5.63%, maximum drawdown −28.71% vs −7.40%. Their portfolios overlap by 8.8% (9 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme | |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | Nippon India Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹30.4700 | ₹23.4383 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 28 Feb 2019 | 13 Feb 2015 |
| Track record | 7.7 yrs | 11.7 yrs |
| Fund size (AUM) | ₹1,268 Cr | ₹138 Cr |
| Securities held | 84 | 28 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme | |
|---|---|---|
| 1 month | 0.00% | +2.17% |
| 3 months | −4.54% | −1.10% |
| 6 months | −0.94% | +1.79% |
| 1 year | +2.04% | +1.46% |
| 3 years (CAGR) | +17.55% | +7.20% |
| 5 years (CAGR) | +13.86% | +6.33% |
| 7 years (CAGR) | +16.23% | +7.35% |
| 10 years (CAGR) | — | +7.27% |
| Since launch (CAGR) | +15.59% | +7.52% |
| SIP return (XIRR, 5 years) ⓘ | +14.36% | +6.19% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme | |
|---|---|---|
| 2026 (year to date) | +0.23% | +1.07% |
| 2025 | +14.20% | +4.43% |
| 2024 | +22.73% | +12.34% |
| 2023 | +33.39% | +11.45% |
| 2022 | +1.94% | +3.07% |
| 2021 | +28.32% | +6.01% |
Risk
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme | |
|---|---|---|
| Volatility (annualised) ⓘ | 13.81% | 5.63% |
| Downside volatility ⓘ | 9.22% | 4.17% |
| Sharpe ratio ⓘ | 0.80 | 0.13 |
| Sortino ratio ⓘ | 1.20 | 0.17 |
| Maximum drawdown ⓘ | −28.71% | −7.40% |
| Recovery from that fall | 7 months | 3 months |
| Current fall from peak | −5.17% | −1.44% |
| Rolling 1-year return: worst | −23.22% | −3.42% |
| Rolling 1-year return: median | +13.73% | +8.12% |
| Rolling 1-year return: best | +67.98% | +18.53% |
| Share of 1-year periods with a loss | 7.88% | 7.21% |
Against each fund's benchmark
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme | |
|---|---|---|
| Beta ⓘ | 0.90 | 0.31 |
| Alpha (Jensen's, annualised) ⓘ | +7.18% | −1.00% |
| R² ⓘ | 86.00 | 69.73 |
| Upside capture | 114.53% | 43.90% |
| Downside capture | 77.16% | 28.50% |
| Tracking error | 5.58% | 10.68% |
| Information ratio | 1.39 | -0.20 |
| Treynor ratio | 10.86 | -0.41 |
Portfolio
Asset mix
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme | |
|---|---|---|
| Equity | 82.06% | 19.15% |
| Debt | 11.52% | 74.93% |
| Cash & equivalents | 5.72% | 5.92% |
| REITs / InvITs | 0.72% | 0.00% |
Market-cap split (share of fund assets)
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme | |
|---|---|---|
| Large Cap | 41.55% | 17.21% |
| Mid Cap | 20.87% | 0.92% |
| Small Cap | 19.63% | 1.02% |
| Unclassified | 0.00% | 0.00% |
Concentration
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme | |
|---|---|---|
| Top 10 holdings | 24.85% | 82.14% |
| Effective number of stocks ⓘ | 66.6 | 6.4 |
| Securities held | 84 | 28 |
Portfolio overlap: 8.8%
9 companies are held by both funds; by weight, 8.8% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme |
|---|---|---|
| HDFC Bank Limited | 2.29% | 1.54% |
| Reliance Industries Limited | 1.81% | 1.54% |
| State Bank of India | 1.19% | 2.08% |
| Axis Bank Limited | 1.59% | 1.15% |
| Samvardhana Motherson International Limited | 2.27% | 1.13% |
| Larsen & Toubro Limited | 0.93% | 1.29% |
| Mahindra & Mahindra Limited | 2.39% | 0.85% |
| Crompton Greaves Consumer Electricals Limited | 0.56% | 0.30% |
| Apollo Hospitals Enterprise Limited | 1.45% | 0.18% |
Top 10 holdings
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
- Life Insurance Corporation Of India4.38%
- 6.94% Government of India (11/05/2036)2.82%
- Mahindra & Mahindra Limited2.39%
- Vedanta Ltd.2.39%
- Titan Company Limited2.32%
- HDFC Bank Limited2.29%
- Samvardhana Motherson International Limited2.27%
- Indegene Limited2.08%
- Kirloskar Oil Engines Limited1.96%
- Bharat Petroleum Corporation Ltd.1.95%
Nippon India Retirement Fund- Income Generation Scheme
- 7.06% Government of India30.72%
- 6.68% Government of India (07/07/2040)17.08%
- 8.13% Government of India16.12%
- 8.17% Government of India4.98%
- 6.36% GOI 16-Feb-20313.55%
- ICICI Bank Limited2.87%
- State Bank of India2.08%
- 8.3% Government of India1.66%
- Reliance Industries Limited1.54%
- HDFC Bank Limited1.54%
Sector exposure
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Nippon India Retirement Fund- Income Generation Scheme | |
|---|---|---|
| SOVEREIGN | 0.00% | 57.85% |
| Sovereign | 4.91% | 17.08% |
| Banks | 5.07% | 7.64% |
| Industrial Products | 7.45% | 0.69% |
| Retailing | 6.25% | 0.99% |
| Capital Markets | 5.97% | 0.00% |
| Automobiles | 5.49% | 0.85% |
| Consumer Durables | 5.16% | 1.01% |
| Healthcare Services | 4.60% | 0.18% |
| Ferrous Metals | 4.47% | 0.00% |
| Insurance | 4.38% | 0.43% |
| Pharmaceuticals & Biotechnology | 4.17% | 0.26% |
| Petroleum Products | 3.76% | 1.54% |
| CRISIL AA+ | 2.78% | 0.00% |
Questions people ask
What is the difference between ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Nippon India Retirement Fund- Income Generation Scheme returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +2.04% vs +1.46%; 3-year CAGR +17.55% vs +7.20%; 5-year CAGR +13.86% vs +6.33%; 10-year CAGR — vs +7.27%. Past returns do not indicate future returns.
How do ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Nippon India Retirement Fund- Income Generation Scheme compare on risk?
Volatility (36 monthly returns, annualised) 13.81% vs 5.63%; Sharpe ratio 0.80 vs 0.13; Sortino ratio 1.20 vs 0.17; maximum drawdown −28.71% vs −7.40%; beta 0.90 vs 0.31.
How much do ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Nippon India Retirement Fund- Income Generation Scheme overlap?
By weight, 8.8% of the two portfolios is invested in the same companies; 9 stocks are held by both, the largest shared positions being HDFC Bank Limited, Reliance Industries Limited, State Bank of India. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of ICICI Prudential Retirement Fund Hybrid Aggressive Plan and Nippon India Retirement Fund- Income Generation Scheme?
ICICI Prudential Retirement Fund Hybrid Aggressive Plan: large cap 41.6%, mid cap 20.9%, small cap 19.6%. Nippon India Retirement Fund- Income Generation Scheme: large cap 17.2%, mid cap 0.9%, small cap 1.0% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 5 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.