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Nippon India Retirement Fund - Income Generation Scheme download report

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.12 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.70 Lakh

Suitability:

"Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Nippon India Retirement Fund - Income Generation Scheme-G -4.89 0.31 1.18 -0.79 -3.82 -4.67 -1.72 3.73 4.36 5.98 --
VR MIP TRI -3.39 0.37 1.40 -1.04 -3.18 -2.77 1.50 6.78 7.45 7.69 --
Hybrid: Conservative Hybrid -1.86 0.27 0.97 -0.45 -1.55 -1.44 3.00 6.37 5.71 6.81 --
Rank within category 33 9 5 31 33 33 33 27 25 23 --
Number of funds in category 34 35 35 35 35 34 34 30 28 27 26

As on 27-Jun-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Nippon India Retirement Fund - Income Generation Scheme  | Invest Online
2 star
 Feb-15 -1.72 3.73 4.36 2.14% 195
SBI Conservative Hybrid Fund  | Invest Online
4 star
 Mar-01 5.20 9.42 6.95 1.10% 6,010
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 5.04 8.40 7.68 1.75% 3,246
HDFC Hybrid Debt Fund  | Invest Online
4 star
 Dec-03 3.49 7.90 6.38 1.82% 2,664
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
 May-04 4.24 7.88 5.94 1.88% 1,664

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 2.71 16-Apr-2020 - 23-Apr-2020 -4.06 16-Mar-2020 - 23-Mar-2020
Month 4.93 07-Mar-2018 - 06-Apr-2018 -6.72 20-Feb-2020 - 23-Mar-2020
Quarter 9.29 16-Apr-2019 - 16-Jul-2019 -5.87 17-Mar-2022 - 17-Jun-2022
Year 17.24 16-Jul-2018 - 16-Jul-2019 -4.71 09-Oct-2017 - 09-Oct-2018

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Nippon India Retirement Fund - Income Generation Scheme-G 4.68 4.99 0.24 0.34 0.49 -0.79
VR MIP TRI 7.56 6.88 0.59 0.74 -- --
Hybrid: Conservative Hybrid 6.40 6.40 0.50 0.54 0.67 0.20
Rank within category 26 11 25 24 4 25
Number of funds in category 31 31 31 31 31 31

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-May-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 36
Number of Bonds 11
Average Maturity (yrs) 19.46
Top 10 Holdings (%) 76.61
Portfolio P/B Ratio 2.80
Portfolio P/E Ratio 21.57

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 7.06% GOI 2046 Central Government Loan SOV 22.71 - 26.56 26.56
equal 7.62% GOI 15/09/2039 GOI Securities SOV 10.16 - 12.82 12.82
equal 8.13% GOI 22/06/2045 GOI Securities SOV 8.99 - 11.39 11.39
equal 5.79% GOI 2030 GOI Securities SOV 0.00 - 9.29 9.29
equal 8.17% GOI 2044 Central Government Loan SOV 7.04 - 8.96 8.96
down 6.19% GOI 16/09/2034 GOI Securities SOV 2.29 - 9.85 2.29
equal 8.30% GOI 31/12/2042 Central Government Loan SOV 0.92 - 1.17 1.17
equal 6.99% GOI 15/12/2051 GOI Securities SOV 0.00 - 0.94 0.94
equal 6.67% GOI 17/12/2050 GOI Securities SOV 0.00 - 0.91 0.91
equal 8.83% GOI 2041 Central Government Loan SOV 0.46 - 0.58 0.58
equal Others Margin Money -- - 0.03

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal Reliance Industries Energy 27.77 1.85 0.48 1.69
equal HDFC Bank Financial 19.80 2.69 1.22 1.28
equal ICICI Bank Financial 19.87 1.53 0.80 1.16
equal Infosys Technology 28.06 1.68 1.00 1.00
equal Axis Bank Financial 13.86 1.00 0.23 0.98
equal State Bank of India Financial 11.64 1.01 0.41 0.96
equal Larsen & Toubro Construction 24.89 0.97 0.41 0.93
equal Tata Consultancy Services Technology 31.63 1.27 0.00 0.69
equal Wipro Technology 19.05 0.70 0.00 0.61
equal HDFC Financial 17.63 1.09 0.55 0.59
equal Crompton Greaves Consumer Electricals Consumer Discretionary 37.77 0.57 0.00 0.56
equal SBI Life Insurance Company Insurance 71.99 0.54 0.00 0.54
equal HCL Technologies Technology 19.94 0.55 0.00 0.53
equal Sun Pharmaceutical Industries Healthcare 61.29 0.51 0.16 0.49
equal Phoenix Mills Construction 84.98 0.48 0.00 0.48
equal Hindustan Unilever Consumer Staples 61.26 0.91 0.00 0.48
equal Indraprastha Gas Energy 16.98 0.51 0.00 0.48
equal DCB Bank Financial 8.39 0.47 0.00 0.47
equal ICICI Lombard General Insurance Company Insurance 43.79 0.45 0.00 0.45
equal Mishra Dhatu Nigam Metals & Mining 17.44 0.47 0.00 0.45
equal Rites Construction 10.66 0.46 0.00 0.44
equal Bharti Airtel Communication 94.72 0.65 0.00 0.43
equal United Breweries Consumer Staples 107.97 0.52 0.00 0.40
new Dixon Technologies Capital Goods 113.39 0.40 0.00 0.40
equal Bank of Baroda Financial 6.58 0.39 0.00 0.36

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-May-2022

Fund Manager

— Pranay Sinha since 31-Mar-2021

Education: Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.

Experience: Prior to joining Nippon India Mutual Fund, he has worked with ABSLAMC, BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).

Funds Managed:

— Sanjay Doshi since 01-Jul-2020

Education: ACA, MBA (Finance), Cleared CFA Level III

Experience: Prior to joining Nippon India AMC as Fund Manager - Equity, he was associated with RNLAM as Sr. Analyst Equity Investment (01-Feb-2011 to 01-Jan-2017), Macquarie Capital Securities (India) Pvt Ltd - Analyst Equity Research (Aug 2007 to Dec 2010), JP Morgan Services (India) Pvt Ltd - Associate Convertible Bonds Research (Sept 2005 to Jul 2007).

Funds Managed:

Invest Online
0.31%

Change from previous, NAV as on 27-Jun-2022

Growth: ₹ 14.9407

IDCW: ₹ 14.9429

Bonus: ₹ 14.9391

Investment Strategy

The scheme seeks to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities.

Investment Details

Min. Investment (₹) 500
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 100
Min. No of Cheques 60
Min. Withdrawal (₹) 100
Min. Balance (₹) 1
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: Nippon India Mutual Fund
Launch Date: 11-Feb-2015
Return Since Launch: 5.59%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 195 Cr (As on 31-May-2022)
Expense: 2.14% (As on 31-May-2022)
Risk Grade: Above Average
Return Grade: Below Average
Turnover: --

Registrar & Transfer Agent: KFin Technologies Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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