MonitorDirect · GrowthWatch before adding
Axis Retirement Fund - Conservative Plan
Axis Mutual FundSolution Oriented Schemes ** - Retirement Fund6.8 years
- NAV
- 17.1573
- 29 Oct 2026
- 1Y
- -3.4%
- Trailing CAGR
- AUM
- ₹44.7 Cr
- 30 Sept 2026
- Volatility
- Low
- 6.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer HDFC Retirement Fund - Hybrid-Debt 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
1.27% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -12.7%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% 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
Watch
Top 10 holdings ≈ 77.1% 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-3.4%
- 3Y+7.1%
- 5Y+5.7%
- 10Yn/a
- SI+8.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-3.7%
- 3Y+1.9%
- 5Y+5.3%
- 10Yn/a
- Since inception
- +8.2%
- Calendar-day CAGR
- Excess 1Y
- +2.5%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 20
- Vs comparable share classes
- SIP 3Y XIRR
- +1.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.5%
- 938 daily-ending windows
- Median rolling 3Y
- +9.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 454 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -12.7%
- Worst peak-to-trough
- Current
- -4.3%
- Below last peak
- Current spell
- 300 days
- Days below latest peak
- Time below peak
- +83%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 96 recovered episodes
- Longest recovery
- 343 days
- Trough to prior peak
17 Feb 2020 – 7 Jul 2020
Trough 23 Mar 2020 · recovered in 106 days
-12.7%
17 Jan 2022 – 26 May 2023
Trough 17 Jun 2022 · recovered in 343 days
-8.5%
26 Sept 2024 – 5 May 2025
Trough 4 Mar 2025 · recovered in 62 days
-7.0%
2 Jan 2026 – open
Trough 2 Apr 2026 · not recovered
-6.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
20
Vs category
65
Consistency
10
Risk-adjusted
44
Drawdown
68
Mean
42
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
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 37 holdings · top 10 are 77.1%.
- Top 5
- 66.1%
- Top 10
- 77.1%
- Largest holding
- 34.6%
- Effective holdings
- 6.3
GOI Sec 7.18 24/07/2037
Entities
34.6%
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
15.5%
GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100
Entities
8.9%
Reliance Industries Ltd
Energy & Utilities
4.5%
Apollo Hospitals Enterprise Ltd
Healthcare
2.6%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HDFC Retirement Fund - Hybrid-Debt Plan
HDFC Mutual Fund
- 1Y
- -1.3%
- 3Y
- +6.6%
- Vol
- 3.5%
- Max DD
- -7.8%
- Sharpe
- 0.80
- 3Y win
- +10%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Axis Retirement Fund - Aggressive Plan
Axis Mutual Fund
- 1Y
- -5.6%
- 3Y
- +10.8%
- Vol
- 12.7%
- Max DD
- -25.9%
- Sharpe
- 0.38
- 3Y win
- +26%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Baroda BNP Paribas Retirement Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -1.6%
- 3Y
- n/a
- Vol
- 11.3%
- Max DD
- -12.4%
- Sharpe
- 0.08
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Lower trailing returns
HDFC Retirement Fund - Equity Plan
HDFC Mutual Fund
- 1Y
- -9.7%
- 3Y
- +9.4%
- Vol
- 14.0%
- Max DD
- -34.9%
- Sharpe
- 0.80
- 3Y win
- +86%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
HDFC Retirement Fund - Hybrid-Equity Plan
HDFC Mutual Fund
- 1Y
- -8.6%
- 3Y
- +7.4%
- Vol
- 10.8%
- Max DD
- -27.5%
- Sharpe
- 0.76
- 3Y win
- +84%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown