Axis Retirement Fund - Conservative Plan vs Nippon India Retirement Fund- Income Generation Scheme
Retirement Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 14-Aug-2026
| Metric | Axis Retirement Fund - Conservative Plan | Nippon India Retirement Fund- Income Generation Scheme |
|---|---|---|
| Latest NAV | ₹17.9 | ₹23.78 |
| 1-Year Return | +1.93% | +2.72% |
| 3-Year Return (CAGR) | +8.96% | +8.04% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 5.9% | 5.3% |
| Max Drawdown | −7.0% | −4.9% |
| Fund House | Axis Mutual Fund | Nippon India Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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Axis Retirement Fund - Conservative Plan vs Nippon India Retirement Fund- Income Generation Scheme: which is better?
Axis Retirement Fund - Conservative Plan and Nippon India Retirement Fund- Income Generation Scheme are both retirement fund mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), Axis Retirement Fund - Conservative Plan leads with +8.96% against +8.04% — a gap of about 0.92 percentage points per year over that period.
Nippon India Retirement Fund- Income Generation Scheme has been the steadier fund over the past year, with annualised volatility of 5.3% versus 5.9%. Looking at worst falls, Axis Retirement Fund - Conservative Plan's deepest drawdown in the stored history is −7.0% against −4.9% for Nippon India Retirement Fund- Income Generation Scheme.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- Axis Retirement Fund - Conservative Plan has delivered higher 3-year returns (+8.96% vs +8.04%).
- Nippon India Retirement Fund- Income Generation Scheme has shown lower volatility over the trailing year.
- Nippon India Retirement Fund- Income Generation Scheme has had the shallower maximum drawdown (−4.9%).
Frequently Asked Questions
Which fund has given higher returns — Axis Retirement Fund - Conservative Plan or Nippon India Retirement Fund- Income Generation Scheme?
Over the past 3 year period, Axis Retirement Fund - Conservative Plan has delivered higher returns: +8.96% versus +8.04% annualised. Past performance does not guarantee future results.
Which fund is less risky — Axis Retirement Fund - Conservative Plan or Nippon India Retirement Fund- Income Generation Scheme?
Based on the trailing year, Nippon India Retirement Fund- Income Generation Scheme has shown lower day-to-day volatility (Axis Retirement Fund - Conservative Plan: 5.9%, Nippon India Retirement Fund- Income Generation Scheme: 5.3% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both Axis Retirement Fund - Conservative Plan and Nippon India Retirement Fund- Income Generation Scheme?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Retirement Fund comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.