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
₹15.4992
as of 30 Sept 2026
Expense Ratio
2.16%
AUM
₹48 Cr
Lumpsum returns (CAGR)
- 1Y
- -1.89%
- 3Y
- +5.58%
- 5Y
- +4.30%
- Since Inception
- +6.68%
SIP returns (XIRR)
- 1Y
- -4.41%
- 3Y
- +1.25%
- 5Y
- +4.05%
- Since Inception
- +5.17%
What history actually did — last 6 years (Sept 2020 – Sept 2026)
A ₹5,000 monthly SIP for the last 6 years (Sept 2020 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,13,016 today — ₹3,60,000 invested, 4.6% XIRR.
₹3,60,000
Invested
₹4,13,016
Value today
4.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 6 years (Sept 2020 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 6 years ago would be ₹1,49,723 today (7.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2020 would still hold ₹10,84,209.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,13,016 in this fund vs ₹4,37,602 in the benchmark — underperformance of ₹24,586.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 6 years (Sept 2020 – Sept 2026) (3 Jun 2024) would be ₹1,04,913 today (1.05×).
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-0.94
Sharpe Ratio
-0.05
Alpha
0.19
Beta
-0.91
Sortino
5.69%
Std Dev
-6.38%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks7.87%
- IT - Software4.80%
- Petroleum Products4.63%
- Healthcare Services2.89%
- Automobiles2.75%
- Pharmaceuticals & Biotechnology2.56%
- Telecom - Services2.27%
- Insurance2.26%
- Transport Infrastructure1.89%
- Diversified FMCG1.44%
- Construction1.16%
- Power1.03%
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)33.71%
- 27.34% Government Of India (22/04/2064)15.05%
- 37.1% Government Of India (08/04/2034)10.87%
- 4Reliance Industries Limited4.63%
- 5State Bank Of India2.88%
- 6Apollo Hospitals Enterprise Limited2.74%
- 7Infosys Limited2.33%
- 8Bharti Airtel Limited2.27%
- 9Icici Bank Limited1.92%
- 10Indus Infra Trust1.89%
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 ₹47.6 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 2.16%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach