Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansAxis Retirement Fund - Conservative · Regular · Growth
NAV
₹16.0427
as of 13 Nov 2026
Expense Ratio
2.17%
AUM
₹47 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.83%
- 3Y
- +6.73%
- 5Y
- +4.65%
- Since Inception
- +7.09%
SIP returns (XIRR)
- 1Y
- +1.95%
- 3Y
- +2.89%
- 5Y
- +5.20%
- Since Inception
- +5.97%
What history actually did — last 6 years (Nov 2020 – Nov 2026)
A ₹5,000 monthly SIP for the last 6 years (Nov 2020 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,21,522 today — ₹3,60,000 invested, 5.3% XIRR.
₹3,60,000
Invested
₹4,21,522
Value today
5.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 6 years (Nov 2020 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 6 years ago would be ₹1,47,972 today (6.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2020 would still hold ₹10,58,200.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,21,522 in this fund vs ₹4,72,738 in the benchmark — underperformance of ₹51,216.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 6 years (Nov 2020 – Nov 2026) (4 Jun 2024) would be ₹1,10,171 today (1.10×).
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-1.08
Sharpe Ratio
-0.05
Alpha
0.39
Beta
-1.04
Sortino
5.67%
Std Dev
-6.38%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Banks7.15%
- IT - Software4.51%
- Petroleum Products4.49%
- Healthcare Services2.77%
- Automobiles2.67%
- Pharmaceuticals & Biotechnology2.56%
- Telecom - Services2.29%
- Insurance2.23%
- Transport Infrastructure1.92%
- Diversified FMCG1.53%
- Construction1.13%
- Power1.06%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 17.18% Government Of India (24/07/2037)34.56%
- 27.34% Government Of India (22/04/2064)15.53%
- 37.1% Government Of India (08/04/2034)8.93%
- 4Reliance Industries Limited4.49%
- 5Apollo Hospitals Enterprise Limited2.62%
- 6Bharti Airtel Limited2.29%
- 7State Bank Of India2.13%
- 8Infosys Limited2.13%
- 9Hdfc Bank Limited1.95%
- 10Indus Infra Trust1.92%
What this fund does
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 ₹46.9 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 2.17%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach