mutual funds nippon indiaretirement fund income generation scheme directgrowth

holdings

Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth

Hybrid: Conservative Hybrid - Growth (Open ended)

Nippon IndiaRetirement Fund - Income Generation Scheme Direct-GrowthNAV: 23.52 as on 09 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: CRISIL Hybrid 85+15 Conservative Index

NAV: ₹23.52+0.27%

10 Jul 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth.

Asset Allocation

As on 30 Jun 2026

Debt

70.86%

Equity

19.23%

Others

9.91%

Market Cap Distribution

Large Cap (90.1%)

Mid Cap (4.5%)

Small Cap (5.4%)

Historical Asset Allocation

Asset	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Equity	19.23%	19.42%	19.58%	18.39%	19.97%	20.27%
Debt	70.86%	70.45%	70.40%	71.46%	71.56%	74.51%
Others (incl. cash)	9.91%	10.13%	10.02%	10.15%	8.47%	5.22%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Portfolio Snapshot

No. of Securities

P/E Ratio

20.58

P/B Ratio

2.89

Top Holding %

30.55%

Top 5 Holdings %

78.24%

Top 10 Holdings %

88.14%

Modified Duration

8.61 yrs

Avg. Maturity

16.36 yrs

Yield to Maturity

7.39%

AUM

₹144 Cr

Expense Ratio

1.00%

Since Inception

7.78%

Max Drawdown

-0.07%

Sharpe Ratio

0.34

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
ICICI Bank Ltd.	Financial	30,000	4.13	2.86%	0.18%↑
State Bank of India	Financial	30,000	3.08	2.13%	0.08%↑
HDFC Bank Ltd.	Financial	30,000	2.39	1.66%	0.07%↑
Reliance Industries Ltd.	Energy	18,000	2.33	1.61%	-0.08%↓
Larsen & Toubro Ltd.	Construction	4,750	1.97	1.36%	-0.01%↓
Axis Bank Ltd.	Financial	13,000	1.75	1.21%	0.02%↑
NTPC Ltd.	Energy	47,500	1.69	1.17%	-0.14%↓
Samvardhana Motherson International Ltd.	Automobile	96,000	1.42	0.98%	-0.01%↓
Mahindra & Mahindra Ltd.	Automobile	4,000	1.23	0.85%	-0.02%↓
Eternal Ltd.	Services	43,000	1.14	0.79%	0.02%↑
Cummins India Ltd.	Capital Goods	2,000	1.13	0.78%	-0.06%↓
Infosys Ltd.	Technology	9,191	0.92	0.64%	-0.12%↓
Dixon Technologies (India) Ltd.	Capital Goods	750	0.89	0.62%	0.01%↑
SBI Life Insurance Company Ltd.	Insurance	3,500	0.62	0.43%	-0.02%↓
Tata Consultancy Services Ltd.	Technology	3,000	0.61	0.42%	-0.06%↓
Mishra Dhatu Nigam Ltd.	Metals & Mining	13,931	0.58	0.40%	-0.02%↓
Crompton Greaves Consumer Electricals Ltd.	Consumer Discretionary	20,000	0.55	0.38%	-0.02%↓
Sun Pharmaceutical Industries Ltd.	Healthcare	2,000	0.37	0.26%	0.00%
Tube Investments Of India Ltd.	Automobile	1,200	0.36	0.25%	-0.02%↓
Kaynes Technology India Ltd.	Capital Goods	1,123	0.35	0.24%	-0.01%↓

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Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Financial	7.86%	7.51%	7.77%	7.42%	8.39%	8.15%
Energy	2.78%	3.00%	3.16%	3.02%	2.97%	2.89%
Automobile	2.08%	2.13%	1.95%	1.80%	2.04%	1.88%
Capital Goods	1.64%	1.70%	1.66%	1.45%	1.51%	1.66%
Construction	1.36%	1.37%	1.35%	1.20%	1.40%	1.28%
Technology	1.06%	1.24%	1.30%	1.34%	1.36%	1.68%
Services	0.79%	0.77%	0.75%	0.71%	0.73%	0.81%
Healthcare	0.44%	0.43%	0.42%	0.41%	0.40%	0.36%
Insurance	0.43%	0.45%	0.45%	0.45%	0.49%	0.48%
Metals & Mining	0.40%	0.42%	0.38%	0.27%	0.33%	0.36%
Consumer Discretionary	0.38%	0.40%	0.39%	0.32%	0.35%	0.30%
Consumer Staples	0.01%	0.00%	0.00%	0.00%	0.00%	0.42%

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
SOV	70.77%	30.51%
Cash & Call Money	9.91%	9.37%
Others	0.09%	0.24%
A	-	0.15%
A+	-	0.97%
A-	-	0.11%
A1+	-	2.67%
AA	-	3.97%
AA+	-	3.57%
AA-	-	0.58%
AAA	-	17.40%
B+	-	3.11%
B-	-	2.82%
Cash	-	0.69%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

57.4 / 100

Weighted average Value score is 57.4. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

59.5 / 100

Weighted average Price Momentum score is 59.5. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

69.7 / 100

Weighted average Quality score is 69.7. This indicates that portfolio has average quality using composite of quality measures.

QVM score

72.2 / 100

Weighted average QVM score is 72.2. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Negative cash flow from operations

Following companies have not generated positive operating cash flow for 2 consecutive financial years: Kaynes Technology India Ltd.

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	Central Government Loan	7.06%	10/10/2046	SOV	30.55%
GOI	GOI Securities	6.68%	07/07/2040	SOV	16.87%
GOI	GOI Securities	8.13%	22/06/2045	SOV	15.99%
GOI	GOI Securities	8.17%	01/12/2044	SOV	4.92%
GOI	GOI Securities	8.30%	31/12/2042	SOV	1.64%
GOI	GOI Securities	8.83%	12/12/2041	SOV	0.80%
Others	Margin Money	0.00%	0	-	0.09%

Frequently Asked Questions

What are the top holdings of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?

The top holdings of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.

How many stocks does Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth hold in its portfolio?

Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth holds 29 securities in its portfolio. The top 5 holdings account for 78.24% of the portfolio and the top 10 for 88.14% — a concentrated portfolio that amplifies stock-specific outcomes.

What is the sector allocation of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?

The sector allocation of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.

What is the equity and debt allocation of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?

As of 30 Jun 2026, Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth has 19.23% in equity, 70.86% in debt and 9.91% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 7.39%.

What is the market cap allocation of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?

Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth's equity portfolio — Large Cap: 90.12%, Mid Cap: 4.52%, Small Cap: 5.36%. Market cap allocation determines the fund's risk profile — large cap offers stability while mid and small cap offer higher growth potential with higher volatility.

Is Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth a concentrated or diversified fund?

Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth holds 29 securities, with the top 10 accounting for 88.14% of the portfolio and the top 5 for 78.24%. With fewer than 30 holdings, this is a concentrated fund — each stock has a meaningful impact on performance.

What is the credit quality of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?

The debt holdings of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth are rated as follows — SOV: 70.77%, Cash & Call Money: 9.91%, Others: 0.09%. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.

How often does Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth change its portfolio?

The portfolio currently holds 29 securities with the top 10 accounting for 88.14% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.

What is the PE ratio of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth's portfolio?

The weighted average PE ratio of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth's portfolio is 20.58 and the PB ratio is 2.89. The debt portfolio has a modified duration of 8.61 years and an average maturity of 16.36 years. These metrics reflect the overall valuation and interest rate sensitivity of the portfolio.

When is the latest portfolio disclosure for Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?

The latest portfolio disclosure for Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth is as of 30 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.

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Asset

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Equity

19.23%

19.42%

19.58%

18.39%

19.97%

20.27%

Debt

70.86%

70.45%

70.40%

71.46%

71.56%

74.51%

Others (incl. cash)

9.91%

10.13%

10.02%

10.15%

8.47%

5.22%

Commodities

0.00%

Real Estate

0.00%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

ICICI Bank Ltd.

Financial

30,000

4.13

2.86%

0.18%↑

State Bank of India

Financial

30,000

3.08

2.13%

0.08%↑

HDFC Bank Ltd.

Financial

30,000

2.39

1.66%

0.07%↑

Reliance Industries Ltd.

Energy

18,000

2.33

1.61%

-0.08%↓

Larsen & Toubro Ltd.

Construction

4,750

1.97

1.36%

-0.01%↓

Axis Bank Ltd.

Financial

13,000

1.75

1.21%

0.02%↑

NTPC Ltd.

Energy

47,500

1.69

1.17%

-0.14%↓

Samvardhana Motherson International Ltd.

Automobile

96,000

1.42

0.98%

-0.01%↓

Mahindra & Mahindra Ltd.

Automobile

4,000

1.23

0.85%

-0.02%↓

Eternal Ltd.

Services

43,000

1.14

0.79%

0.02%↑

Cummins India Ltd.

Capital Goods

2,000

1.13

0.78%

-0.06%↓

Infosys Ltd.

Technology

9,191

0.92

0.64%

-0.12%↓

Dixon Technologies (India) Ltd.

Capital Goods

750

0.89

0.62%

0.01%↑

SBI Life Insurance Company Ltd.

Insurance

3,500

0.62

0.43%

-0.02%↓

Tata Consultancy Services Ltd.

Technology

3,000

0.61

0.42%

-0.06%↓

Mishra Dhatu Nigam Ltd.

Metals & Mining

13,931

0.58

0.40%

-0.02%↓

Crompton Greaves Consumer Electricals Ltd.

Consumer Discretionary

20,000

0.55

0.38%

-0.02%↓

Sun Pharmaceutical Industries Ltd.

Healthcare

2,000

0.37

0.26%

0.00%

Tube Investments Of India Ltd.

Automobile

1,200

0.36

0.25%

-0.02%↓

Kaynes Technology India Ltd.

Capital Goods

1,123

0.35

0.24%

-0.01%↓

Sector

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Financial

7.86%

7.51%

7.77%

7.42%

8.39%

8.15%

Energy

2.78%

3.00%

3.16%

3.02%

2.97%

2.89%

Automobile

2.08%

2.13%

1.95%

1.80%

2.04%

1.88%

Capital Goods

1.64%

1.70%

1.66%

1.45%

1.51%

1.66%

Construction

1.36%

1.37%

1.35%

1.20%

1.40%

1.28%

Technology

1.06%

1.24%

1.30%

1.34%

1.36%

1.68%

Services

0.79%

0.77%

0.75%

0.71%

0.73%

0.81%

Healthcare

0.44%

0.43%

0.42%

0.41%

0.40%

0.36%

Insurance

0.43%

0.45%

0.49%

0.48%

Metals & Mining

0.40%

0.42%

0.38%

0.27%

0.33%

0.36%

Consumer Discretionary

0.38%

0.40%

0.39%

0.32%

0.35%

0.30%

Consumer Staples

0.01%

0.00%

0.42%

Rating

Fund