Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth
Hybrid: Conservative Hybrid - Growth (Open ended) Factsheet
SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: CRISIL Hybrid 85+15 Conservative IndexCheck Portfolio Overlap →
NAV: ₹23.45-0.05%
07 Sept 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth.
Market Cap Distribution
Large Cap (89.8%)
Mid Cap (5.1%)
Small Cap (5.1%)
Historical Asset Allocation
| Asset | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 |
|---|---|---|---|---|---|---|
| Equity | 19.92% | 19.62% | 19.23% | 19.42% | 19.58% | 18.39% |
| Debt | 74.26% | 70.69% | 70.86% | 70.45% | 70.40% | 71.46% |
| Others (incl. cash) | 5.82% | 9.69% | 9.91% | 10.13% | 10.02% | 10.15% |
| 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
29
P/E Ratio
20.87
P/B Ratio
2.94
Top Holding %
30.55%
Top 5 Holdings %
74.05%
Top 10 Holdings %
86.09%
Modified Duration
8.71 yrs
Avg. Maturity
16.17 yrs
Yield to Maturity
7.13%
AUM
₹143 Cr
Expense Ratio
0.98%
Since Inception
7.64%
Max Drawdown
-0.07%
Sharpe Ratio
0.27
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 | 4.36 | 3.05% | 0.06%↑ |
| State Bank of India | Financial | 30,000 | 3.18 | 2.23% | 0.09%↑ |
| Reliance Industries Ltd. | Energy | 18,000 | 2.3 | 1.61% | -0.02%↓ |
| HDFC Bank Ltd. | Financial | 30,000 | 2.13 | 1.49% | -0.07%↓ |
| Larsen & Toubro Ltd. | Construction | 4,750 | 1.92 | 1.34% | 0.04%↑ |
| Axis Bank Ltd. | Financial | 13,000 | 1.69 | 1.18% | 0.07%↑ |
| Samvardhana Motherson International Ltd. | Automobile | 96,000 | 1.64 | 1.15% | 0.15%↑ |
| NTPC Ltd. | Energy | 47,500 | 1.56 | 1.09% | -0.05%↓ |
| Eternal Ltd. | Services | 43,000 | 1.41 | 0.99% | 0.09%↑ |
| Mahindra & Mahindra Ltd. | Automobile | 4,000 | 1.31 | 0.92% | -0.02%↓ |
| Dixon Technologies (India) Ltd. | Capital Goods | 750 | 1.11 | 0.78% | 0.05%↑ |
| Infosys Ltd. | Technology | 9,191 | 1.04 | 0.73% | 0.01%↑ |
| Cummins India Ltd. | Capital Goods | 2,000 | 1.02 | 0.71% | -0.06%↓ |
| Tata Consultancy Services Ltd. | Technology | 3,000 | 0.72 | 0.50% | 0.01%↑ |
| SBI Life Insurance Company Ltd. | Insurance | 3,500 | 0.61 | 0.43% | -0.03%↓ |
| Mishra Dhatu Nigam Ltd. | Metals & Mining | 13,931 | 0.58 | 0.40% | 0.02%↑ |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | 20,000 | 0.47 | 0.33% | -0.03%↓ |
| Kaynes Technology India Ltd. | Capital Goods | 1,123 | 0.41 | 0.29% | -0.01%↓ |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 2,000 | 0.4 | 0.28% | 0.00% |
| Tube Investments Of India Ltd. | Automobile | 1,200 | 0.33 | 0.23% | 0.00% |
1 / 2
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 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 |
|---|---|---|---|---|---|---|
| Financial | 7.95% | 7.80% | 7.86% | 7.51% | 7.77% | 7.42% |
| Energy | 2.70% | 2.77% | 2.78% | 3.00% | 3.16% | 3.02% |
| Automobile | 2.30% | 2.17% | 2.08% | 2.13% | 1.95% | 1.80% |
| Capital Goods | 1.78% | 1.80% | 1.64% | 1.70% | 1.66% | 1.45% |
| Construction | 1.34% | 1.30% | 1.36% | 1.37% | 1.35% | 1.20% |
| Technology | 1.23% | 1.21% | 1.06% | 1.24% | 1.30% | 1.34% |
| Services | 0.99% | 0.90% | 0.79% | 0.77% | 0.75% | 0.71% |
| Healthcare | 0.47% | 0.47% | 0.44% | 0.43% | 0.42% | 0.41% |
| Insurance | 0.43% | 0.46% | 0.43% | 0.45% | 0.45% | 0.45% |
| Metals & Mining | 0.40% | 0.38% | 0.40% | 0.42% | 0.38% | 0.27% |
| Consumer Discretionary | 0.33% | 0.36% | 0.38% | 0.40% | 0.39% | 0.32% |
| Consumer Staples | - | - | 0.01% | 0.00% | 0.00% | 0.00% |
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 | 74.19% | 23.51% |
| Cash & Call Money | 5.82% | 14.07% |
| Others | 0.07% | 0.18% |
| A | - | 0.78% |
| A+ | - | 1.42% |
| A- | - | 0.25% |
| A1+ | - | 3.19% |
| AA | - | 4.10% |
| AA+ | - | 4.67% |
| AA- | - | 0.99% |
| AAA | - | 19.16% |
| B+ | - | 1.85% |
| B- | - | 2.24% |
| BBB+ | - | 0.00% |
| Cash | - | 0.14% |
| D | - | 0.09% |
| Term Deposits | - | 0.01% |
| Unrated | - | 0.09% |
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
59.5 / 100
Weighted average Value score is 59.5. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
51.9 / 100
Weighted average Price Momentum score is 51.9. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
67.3 / 100
Weighted average Quality score is 67.3. This indicates that portfolio has average quality using composite of quality measures.
QVM score
67.6 / 100
Weighted average QVM score is 67.6. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
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 | 16.89% |
| GOI | GOI Securities | 8.13% | 22/06/2045 | SOV | 15.89% |
| GOI | GOI Securities | 8.17% | 01/12/2044 | SOV | 4.90% |
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 3.50% |
| GOI | GOI Securities | 8.30% | 31/12/2042 | SOV | 1.65% |
| GOI | GOI Securities | 8.83% | 12/12/2041 | SOV | 0.81% |
| Others | Margin Money | 0.00% | 0 | - | 0.07% |
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 as of 31 Aug 2026 are GOI (30.55%), GOI (16.89%), GOI (15.89%), Others (5.82%), GOI (4.90%). These top 5 stocks together account for 74.05% of the total portfolio. You can view the complete holdings breakdown above.
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 stocks in its portfolio as of 31 Aug 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?
As of 31 Aug 2026, Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth's top sector allocations are Financial (7.95%), Energy (2.70%), Automobile (2.30%). You can find detailed sector allocation above.
What is the equity and debt allocation of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?
As of 31 Aug 2026, Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth has 19.92% allocated to equity, and 74.26% to debt. You can also check the historical trends above.
What is the market cap allocation of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?
As of 31 Aug 2026, Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth's market cap allocation is 89.81% in large caps, 5.07% in mid caps, and 5.12% in small caps.
What is the PE ratio of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth's portfolio?
The portfolio PE ratio of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth is 20.87 as of 31 Aug 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth?
As of 31 Aug 2026, Nippon IndiaRetirement Fund - Income Generation Scheme Direct-Growth's debt portfolio has - in AAA-rated instruments, - in AA-rated, and 74.19% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion 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 31 Aug 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.