Nippon India Retirement Fund- Income Generation Scheme vs PGIM India Retirement Fund
Nippon India Retirement Fund- Income Generation Scheme and PGIM India Retirement Fund are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +7.20% vs —, 5-year CAGR +6.33% vs —, volatility 5.63% vs 16.04%, maximum drawdown −7.40% vs −16.53%.
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
| Nippon India Retirement Fund- Income Generation Scheme | PGIM India Retirement | |
|---|---|---|
| Fund house | Nippon India Mutual Fund | PGIM India Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹23.4383 | ₹12.8400 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 13 Feb 2015 | 19 Apr 2024 |
| Track record | 11.7 yrs | 2.5 yrs |
| Fund size (AUM) | ₹138 Cr | — |
| Securities held | 28 | — |
| Portfolio as of | 30 Sep 2026 | Not disclosed yet |
| Fund page | Full record → | Full record → |
Returns
| Nippon India Retirement Fund- Income Generation Scheme | PGIM India Retirement | |
|---|---|---|
| 1 month | +2.17% | +3.46% |
| 3 months | −1.10% | −0.85% |
| 6 months | +1.79% | +5.16% |
| 1 year | +1.46% | +3.05% |
| 3 years (CAGR) | +7.20% | — |
| 5 years (CAGR) | +6.33% | — |
| 7 years (CAGR) | +7.35% | — |
| 10 years (CAGR) | +7.27% | — |
| Since launch (CAGR) | +7.52% | +10.35% |
| SIP return (XIRR, 5 years) ⓘ | +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
| Nippon India Retirement Fund- Income Generation Scheme | PGIM India Retirement | |
|---|---|---|
| 2026 (year to date) | +1.07% | +5.16% |
| 2025 | +4.43% | +3.21% |
| 2024 | +12.34% | — |
| 2023 | +11.45% | — |
| 2022 | +3.07% | — |
| 2021 | +6.01% | — |
Risk
| Nippon India Retirement Fund- Income Generation Scheme | PGIM India Retirement | |
|---|---|---|
| Volatility (annualised) ⓘ | 5.63% | 16.04% |
| Downside volatility ⓘ | 4.17% | 10.77% |
| Sharpe ratio ⓘ | 0.13 | 0.24 |
| Sortino ratio ⓘ | 0.17 | 0.36 |
| Maximum drawdown ⓘ | −7.40% | −16.53% |
| Recovery from that fall | 3 months | 4 months |
| Current fall from peak | −1.44% | −1.68% |
| Rolling 1-year return: worst | −3.42% | −5.81% |
| Rolling 1-year return: median | +8.12% | +4.49% |
| Rolling 1-year return: best | +18.53% | +21.67% |
| Share of 1-year periods with a loss | 7.21% | 13.80% |
Against each fund's benchmark
| Nippon India Retirement Fund- Income Generation Scheme | PGIM India Retirement | |
|---|---|---|
| Beta ⓘ | 0.31 | 1.00 |
| Alpha (Jensen's, annualised) ⓘ | −1.00% | +5.14% |
| R² ⓘ | 69.73 | 86.89 |
| Upside capture | 43.90% | 114.35% |
| Downside capture | 28.50% | 87.36% |
| Tracking error | 10.68% | 5.77% |
| Information ratio | -0.20 | 0.90 |
| Treynor ratio | -0.41 | 0.04 |
Portfolio
PGIM India Retirement Fund has no usable portfolio disclosure on file yet, so portfolio comparisons are shown only where available.
Asset mix
| Nippon India Retirement Fund- Income Generation Scheme | PGIM India Retirement | |
|---|---|---|
| Debt | 74.93% | — |
| Equity | 19.15% | — |
| Cash & equivalents | 5.92% | — |
Market-cap split (share of fund assets)
| Nippon India Retirement Fund- Income Generation Scheme | PGIM India Retirement | |
|---|---|---|
| Large Cap | 17.21% | — |
| Mid Cap | 0.92% | — |
| Small Cap | 1.02% | — |
| Unclassified | 0.00% | — |
Concentration
| Nippon India Retirement Fund- Income Generation Scheme | PGIM India Retirement | |
|---|---|---|
| Top 10 holdings | 82.14% | — |
| Effective number of stocks ⓘ | 6.4 | — |
| Securities held | 28 | — |
Top 10 holdings
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%
PGIM India Retirement
Not disclosed yet.
Sector exposure
| Nippon India Retirement Fund- Income Generation Scheme | PGIM India Retirement | |
|---|---|---|
| SOVEREIGN | 57.85% | — |
| Sovereign | 17.08% | — |
| Banks | 7.64% | — |
| Petroleum Products | 1.54% | — |
| Auto Components | 1.34% | — |
| Construction | 1.29% | — |
| Power | 1.11% | — |
| IT - Software | 1.10% | — |
| Consumer Durables | 1.01% | — |
| Retailing | 0.99% | — |
| Automobiles | 0.85% | — |
| Industrial Products | 0.69% | — |
| Aerospace & Defense | 0.44% | — |
| Insurance | 0.43% | — |
Questions people ask
What is the difference between Nippon India Retirement Fund- Income Generation Scheme and PGIM India Retirement returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +1.46% vs +3.05%; 3-year CAGR +7.20% vs —; 5-year CAGR +6.33% vs —; 10-year CAGR +7.27% vs —. Past returns do not indicate future returns.
How do Nippon India Retirement Fund- Income Generation Scheme and PGIM India Retirement compare on risk?
Volatility (36 monthly returns, annualised) 5.63% vs 16.04%; Sharpe ratio 0.13 vs 0.24; Sortino ratio 0.17 vs 0.36; maximum drawdown −7.40% vs −16.53%; beta 0.31 vs 1.00.
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.