MonitorDirect · GrowthWatch before adding
Axis Retirement Fund - Dynamic Plan
Axis Mutual FundSolution Oriented Schemes ** - Retirement Fund6.8 years
- NAV
- 20.95
- 29 Oct 2026
- 1Y
- -5.8%
- Trailing CAGR
- AUM
- ₹268.84 Cr
- 30 Sept 2026
- Volatility
- Medium
- 11.4% 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 · The fund beat the category median in 94% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Baroda BNP Paribas Retirement Fund 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
1.34% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -17.1%. Ask whether you can hold through a similar fall.
Vs category
Pass
94% 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 ≈ 43.0% 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-5.8%
- 3Y+11.6%
- 5Y+7.2%
- 10Yn/a
- SI+11.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-2.5%
- 3Y+2.8%
- 5Y+8.0%
- 10Yn/a
- Since inception
- +11.4%
- Calendar-day CAGR
- Excess 1Y
- -1.3%
- Category median, same plan and option
- 3Y win rate
- +94%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +2.8%
- Simulated monthly SIP
- Worst rolling 3Y
- +8.7%
- 954 daily-ending windows
- Median rolling 3Y
- +14.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 462 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -17.1%
- Worst peak-to-trough
- Current
- -6.6%
- Below last peak
- Current spell
- 762 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 16 days
- 61 recovered episodes
- Longest recovery
- 384 days
- Trough to prior peak
16 Nov 2021 – 6 Jul 2023
Trough 17 Jun 2022 · recovered in 384 days
-17.1%
13 Feb 2020 – 3 Nov 2020
Trough 23 Mar 2020 · recovered in 225 days
-17.0%
27 Sept 2024 – open
Trough 28 Feb 2025 · not recovered
-15.7%
11 Jan 2021 – 8 Feb 2021
Trough 29 Jan 2021 · recovered in 10 days
-5.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
42
Consistency
69
Risk-adjusted
50
Drawdown
57
Mean
64
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
- The fund beat the category median in 94% of rolling 3-year windows.
- Three-year return is above the category median.
Portfolio
30 Sept 2026 · 97 holdings · top 10 are 43.0%.
- Top 5
- 30.8%
- Top 10
- 43.0%
- Largest holding
- 9.9%
- Effective holdings
- 34.1
Others CBLO
Unspecified
9.9%
ICICI Bank Ltd
Financial
5.4%
GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100
Entities
5.4%
Reliance Industries Ltd
Energy & Utilities
5.1%
HDFC Bank Ltd
Financial
5.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
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
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Axis Retirement Fund - Conservative Plan
Axis Mutual Fund
- 1Y
- -3.4%
- 3Y
- +7.1%
- Vol
- 6.4%
- Max DD
- -12.7%
- Sharpe
- 0.38
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
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
Caveat: Higher TER · Lower trailing returns
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%
- Lower volatility
- Lower TER
Caveat: Deeper drawdown · 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%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns