MonitorDirect · GrowthWatch before adding
Axis Retirement Fund - Aggressive Plan
Axis Mutual FundSolution Oriented Schemes ** - Retirement Fund6.8 years
- NAV
- 19.43
- 28 Oct 2026
- 1Y
- -6.1%
- Trailing CAGR
- AUM
- ₹665.98 Cr
- 30 Sept 2026
- Volatility
- Medium
- 12.7% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 27 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Axis Retirement Fund - Dynamic Plan if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
6.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.26% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -25.9%. Ask whether you can hold through a similar fall.
Vs category
Fail
26% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 41.7% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-6.1%
- 3Y+10.5%
- 5Y+6.2%
- 10Yn/a
- SI+10.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-5.2%
- 3Y+1.9%
- 5Y+7.2%
- 10Yn/a
- Since inception
- +10.2%
- Calendar-day CAGR
- Excess 1Y
- -1.3%
- Category median, same plan and option
- 3Y win rate
- +26%
- Windows beating the median
- 3Y percentile
- 80
- Vs comparable share classes
- SIP 3Y XIRR
- +1.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.1%
- 952 daily-ending windows
- Median rolling 3Y
- +13.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 460 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -25.9%
- Worst peak-to-trough
- Current
- -6.5%
- Below last peak
- Current spell
- 760 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 19 days
- 53 recovered episodes
- Longest recovery
- 516 days
- Trough to prior peak
12 Feb 2020 – 9 Nov 2020
Trough 23 Mar 2020 · recovered in 231 days
-25.9%
14 Oct 2021 – 15 Nov 2023
Trough 17 Jun 2022 · recovered in 516 days
-21.0%
27 Sept 2024 – open
Trough 28 Feb 2025 · not recovered
-14.0%
11 Jan 2021 – 10 Feb 2021
Trough 29 Jan 2021 · recovered in 12 days
-7.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
80
Vs category
42
Consistency
33
Risk-adjusted
44
Drawdown
35
Mean
47
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- Three-year return is above the category median.
Portfolio
30 Sept 2026 · 98 holdings · top 10 are 41.7%.
- Top 5
- 26.2%
- Top 10
- 41.7%
- Largest holding
- 6.4%
- Effective holdings
- 40.4
GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100
Entities
6.4%
Reliance Industries Ltd
Energy & Utilities
5.2%
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100
Entities
5.1%
ICICI Bank Ltd
Financial
4.9%
HDFC Bank Ltd
Financial
4.7%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Axis Retirement Fund - Dynamic Plan
Axis Mutual Fund
- 1Y
- -6.1%
- 3Y
- +11.3%
- Vol
- 11.4%
- Max DD
- -17.1%
- Sharpe
- 0.49
- 3Y win
- +94%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Baroda BNP Paribas Retirement Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -2.4%
- 3Y
- n/a
- Vol
- 11.3%
- Max DD
- -12.4%
- Sharpe
- 0.05
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
HDFC Retirement Fund - Hybrid-Equity Plan
HDFC Mutual Fund
- 1Y
- -9.1%
- 3Y
- +7.1%
- Vol
- 10.8%
- Max DD
- -27.5%
- Sharpe
- 0.76
- 3Y win
- +84%
- Lower volatility
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Axis Retirement Fund - Conservative Plan
Axis Mutual Fund
- 1Y
- -3.5%
- 3Y
- +7.0%
- Vol
- 6.4%
- Max DD
- -12.7%
- Sharpe
- 0.37
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
HDFC Retirement Fund - Equity Plan
HDFC Mutual Fund
- 1Y
- -9.9%
- 3Y
- +9.1%
- Vol
- 14.0%
- Max DD
- -34.9%
- Sharpe
- 0.79
- 3Y win
- +86%
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns