Axis Retirement Fund - Conservative · Regular · Growth
NAV
₹16.1584
as of 03 Aug 2026
Expense Ratio
2.15%
AUM
₹47 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.10%
- 3Y
- +7.61%
- 5Y
- +5.85%
- Since Inception
- +7.52%
SIP returns (XIRR)
- 1Y
- +3.27%
- 3Y
- +4.51%
- 5Y
- +6.02%
- Since Inception
- +6.66%
What history actually did — last 6 years (Aug 2020 – Jul 2026)
A ₹5,000 monthly SIP for the last 6 years (Aug 2020 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,25,634 today — ₹3,55,000 invested, 6.1% XIRR.
₹3,55,000
Invested
₹4,25,634
Value today
6.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 6 years (Aug 2020 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 6 years ago would be ₹1,56,446 today (7.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2020 would still hold ₹11,38,824.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,25,634 in this fund vs ₹4,70,353 in the benchmark — underperformance of ₹44,719.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 6 years (Aug 2020 – Jul 2026) (3 Jun 2024) would be ₹1,08,711 today (1.09×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.54
Sharpe Ratio
-0.03
Alpha
0.20
Beta
-0.54
Sortino
5.83%
Std Dev
-6.38%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW
- 17.18% Government Of India (24/07/2037)33.35%
- 27.34% Government Of India (22/04/2064)15.08%
- 37.1% Government Of India (08/04/2034)10.70%
- 4Reliance Industries Limited4.58%
- 5State Bank Of India2.72%
- 6Apollo Hospitals Enterprise Limited2.60%
- 7Bharti Airtel Limited2.26%
- 8Hdfc Bank Limited2.05%
- 9Infosys Limited2.00%
- 10Icici Bank Limited1.96%
Investment Objective
Axis Retirement Fund - Conservative · Regular · Growth by Axis Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
Axis Retirement Fund - Conservative · Regular · Growth is a Retirement Fund mutual fund offered by Axis Mutual Fund. The fund has been operational for over 6 years. It manages assets worth ₹46.6 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL HYBRID 75+25 - CONSERVATIVE INDEX. The current expense ratio is 2.15%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations