Nippon India Retirement Fund- Income Generation Scheme vs SBI Children's Fund - Investment Plan
Nippon India Retirement Fund- Income Generation Scheme and SBI Children's Fund - Investment Plan are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +7.20% vs +20.83%, 5-year CAGR +6.33% vs +17.82%, volatility 5.63% vs 16.01%, maximum drawdown −7.40% vs −15.74%. Their portfolios overlap by 4.6% (2 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
| Nippon India Retirement Fund- Income Generation Scheme | SBI Children's Fund - Investment Plan | |
|---|---|---|
| Fund house | Nippon India Mutual Fund | SBI Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹23.4383 | ₹52.5539 |
| NAV date | 5 Nov 2026 | 4 Nov 2026 |
| Launched (first NAV) | 13 Feb 2015 | 7 Oct 2020 |
| Track record | 11.7 yrs | 6.1 yrs |
| Fund size (AUM) | ₹138 Cr | ₹7,949 Cr |
| Securities held | 28 | 39 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Nippon India Retirement Fund- Income Generation Scheme | SBI Children's Fund - Investment Plan | |
|---|---|---|
| 1 month | +2.17% | −1.71% |
| 3 months | −1.10% | −2.87% |
| 6 months | +1.79% | +4.67% |
| 1 year | +1.46% | +9.01% |
| 3 years (CAGR) | +7.20% | +20.83% |
| 5 years (CAGR) | +6.33% | +17.82% |
| 7 years (CAGR) | +7.35% | — |
| 10 years (CAGR) | +7.27% | — |
| Since launch (CAGR) | +7.52% | +31.18% |
| SIP return (XIRR, 5 years) ⓘ | +6.19% | +18.63% |
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 | SBI Children's Fund - Investment Plan | |
|---|---|---|
| 2026 (year to date) | +1.07% | +11.01% |
| 2025 | +4.43% | +4.23% |
| 2024 | +12.34% | +40.18% |
| 2023 | +11.45% | +31.47% |
| 2022 | +3.07% | +6.24% |
| 2021 | +6.01% | +80.01% |
Risk
| Nippon India Retirement Fund- Income Generation Scheme | SBI Children's Fund - Investment Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 5.63% | 16.01% |
| Downside volatility ⓘ | 4.17% | 8.86% |
| Sharpe ratio ⓘ | 0.13 | 0.90 |
| Sortino ratio ⓘ | 0.17 | 1.62 |
| Maximum drawdown ⓘ | −7.40% | −15.74% |
| Recovery from that fall | 3 months | 6 months |
| Current fall from peak | −1.44% | −3.87% |
| Rolling 1-year return: worst | −3.42% | +0.37% |
| Rolling 1-year return: median | +8.12% | +21.30% |
| Rolling 1-year return: best | +18.53% | +130.14% |
| Share of 1-year periods with a loss | 7.21% | 0.00% |
Against each fund's benchmark
| Nippon India Retirement Fund- Income Generation Scheme | SBI Children's Fund - Investment Plan | |
|---|---|---|
| Beta ⓘ | 0.31 | 0.83 |
| Alpha (Jensen's, annualised) ⓘ | −1.00% | +11.08% |
| R² ⓘ | 69.73 | 58.14 |
| Upside capture | 43.90% | 116.58% |
| Downside capture | 28.50% | 55.45% |
| Tracking error | 10.68% | 10.73% |
| Information ratio | -0.20 | 1.10 |
| Treynor ratio | -0.41 | 16.65 |
Portfolio
Asset mix
| Nippon India Retirement Fund- Income Generation Scheme | SBI Children's Fund - Investment Plan | |
|---|---|---|
| Debt | 74.93% | 0.37% |
| Equity | 19.15% | 74.50% |
| Cash & equivalents | 5.92% | 12.88% |
| Foreign Securities | 0.00% | 12.25% |
Market-cap split (share of fund assets)
| Nippon India Retirement Fund- Income Generation Scheme | SBI Children's Fund - Investment Plan | |
|---|---|---|
| Large Cap | 17.21% | 19.34% |
| Mid Cap | 0.92% | 3.45% |
| Small Cap | 1.02% | 51.71% |
| Unclassified | 0.00% | 0.00% |
Concentration
| Nippon India Retirement Fund- Income Generation Scheme | SBI Children's Fund - Investment Plan | |
|---|---|---|
| Top 10 holdings | 82.14% | 39.29% |
| Effective number of stocks ⓘ | 6.4 | 37.4 |
| Securities held | 28 | 39 |
Portfolio overlap: 4.6%
2 companies are held by both funds; by weight, 4.6% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | Nippon India Retirement Fund- Income Generation Scheme | SBI Children's Fund - Investment Plan |
|---|---|---|
| ICICI Bank Limited | 2.87% | 2.49% |
| State Bank of India | 2.08% | 4.35% |
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%
SBI Children's Fund - Investment Plan
- Alphabet Inc A5.40%
- Thangamayil Jewellery Limited4.46%
- State Bank of India4.35%
- Hatsun Agro Product Ltd.3.83%
- Renew Energy Global3.77%
- Kotak Mahindra Bank Limited3.67%
- Adani Enterprises Limited3.65%
- Aequs Limited3.52%
- Sona BLW Precision Forgings Limited3.45%
- The Ramco Cements Limited3.19%
Sector exposure
| Nippon India Retirement Fund- Income Generation Scheme | SBI Children's Fund - Investment Plan | |
|---|---|---|
| SOVEREIGN | 57.85% | 0.00% |
| Sovereign | 17.08% | 0.12% |
| Banks | 7.64% | 10.51% |
| Food Products | 0.00% | 7.90% |
| Consumer Durables | 1.01% | 7.00% |
| IT - Services | 0.00% | 5.43% |
| IT - Software | 1.10% | 5.40% |
| Auto Components | 1.34% | 5.31% |
| Finance | 0.00% | 5.25% |
| Leisure Services | 0.00% | 4.69% |
| Power | 1.11% | 3.77% |
| Metals & Minerals Trading | 0.00% | 3.65% |
| Textiles & Apparels | 0.00% | 3.63% |
| Aerospace & Defense | 0.44% | 3.52% |
Questions people ask
What is the difference between Nippon India Retirement Fund- Income Generation Scheme and SBI Children's Fund - Investment Plan returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +1.46% vs +9.01%; 3-year CAGR +7.20% vs +20.83%; 5-year CAGR +6.33% vs +17.82%; 10-year CAGR +7.27% vs —. Past returns do not indicate future returns.
How do Nippon India Retirement Fund- Income Generation Scheme and SBI Children's Fund - Investment Plan compare on risk?
Volatility (36 monthly returns, annualised) 5.63% vs 16.01%; Sharpe ratio 0.13 vs 0.90; Sortino ratio 0.17 vs 1.62; maximum drawdown −7.40% vs −15.74%; beta 0.31 vs 0.83.
How much do Nippon India Retirement Fund- Income Generation Scheme and SBI Children's Fund - Investment Plan overlap?
By weight, 4.6% of the two portfolios is invested in the same companies; 2 stocks are held by both, the largest shared positions being ICICI Bank 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 Nippon India Retirement Fund- Income Generation Scheme and SBI Children's Fund - Investment Plan?
Nippon India Retirement Fund- Income Generation Scheme: large cap 17.2%, mid cap 0.9%, small cap 1.0%. SBI Children's Fund - Investment Plan: large cap 19.3%, mid cap 3.5%, small cap 51.7% (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.