Axis Retirement Fund - Dynamic Plan - Regular Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Retirement Fund

Fund House : Axis Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 20.07 -0.15%
(as on 13th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 316.43 Cr

(0.97% of Investment in Category)

Expense Ratio

: 2.42%

(2.1% Category average)

Risk-O-Meter

Very High Risk

Retirement Fund :Retirement Fund : The fund has 87.12% investment in domestic equities of which 43.24% is in Large Cap stocks, 8.49% is in Mid Cap stocks, 10.4% in Small Cap stocks.The fund has 9.73% investment in Debt, of which 9.73% in Government securities.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

CRISIL Hybrid 35+65 - Aggressive Index

1.82%

4.13%

5.13%

9.31%

14.96%

14.18%

17.44%
NA
1.09%

3.13%

4.67%

7.46%

13.31%

12.24%

11.26%

NA
Gold

Compare with

Date : -
NAV : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

Date : -
Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
Sell Date

Investment Value

-
Sell Value

-
Profit/Loss

-
Annualised Returns

-

Date : -
Investment : -
Value on selected date : -

Returns (NAV as on 12th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	04-Nov-25	10014.90	0.15%	-	0.39%	28/34
1 Month	10-Oct-25	10146.40	1.46%	-	1.14%	11/34
3 Month	12-Aug-25	10441.60	4.42%	-	3.52%	11/34
6 Month	12-May-25	10463.30	4.63%	-	4.77%	13/34
YTD	01-Jan-25	10213.40	2.13%	-	5.65%	31/34
1 Year	12-Nov-24	10371.50	3.71%	3.72%	6.37%	31/34
2 Year	10-Nov-23	13939.00	39.39%	17.98%	13.39%	4/32
3 Year	11-Nov-22	14888.90	48.89%	14.16%	12.46%	10/31
5 Year	12-Nov-20	18962.30	89.62%	13.64%	12.31%	10/26
Since Inception	20-Dec-19	20100.00	101.00%	12.56%	11.28%	13/35

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 12th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	12-Nov-24	12000	12614.25	5.12 %	9.58 %
2 Year	10-Nov-23	24000	26591.28	10.8 %	10.16 %
3 Year	11-Nov-22	36000	44501.4	23.61 %	14.23 %
5 Year	12-Nov-20	60000	82138.19	36.9 %	12.5 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Oct,2025)

Equity Holding : 87.12% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 87.12%

No of Stocks : 88 (Category Avg - 53.86) | Large Cap Investments : 43.24%| Mid Cap Investments : 8.49% | Small Cap Investments : 10.4% | Other : 24.95%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Private sector bank	204.5	6.46%	0.11%	6.51% (Jul 2025)	4.8% (Nov 2024)	2.07 L	0.00
Reliance Industries Ltd.	Refineries & marketing	172.4	5.45%	0.35%	5.45% (Oct 2025)	3.76% (Dec 2024)	1.16 L	0.00
ICICI Bank Ltd.	Private sector bank	170.7	5.39%	-0.12%	6.68% (Apr 2025)	5.39% (Oct 2025)	1.27 L	0.00
Infosys Ltd.	Computers - software & consulting	119.7	3.78%	0.03%	4.07% (Jan 2025)	3.35% (Apr 2025)	80.72 k	0.00
Larsen & Toubro Ltd.	Civil construction	100.3	3.17%	0.25%	3.17% (Oct 2025)	1.94% (Nov 2024)	24.88 k	159.00
State Bank Of India	Public sector bank	99.8	3.15%	0.16%	3.15% (Oct 2025)	1.84% (Dec 2024)	1.06 L	0.00
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	91.5	2.89%	0.19%	2.89% (Oct 2025)	1.74% (Nov 2024)	44.56 k	0.00
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	74.2	2.34%	-0.01%	2.35% (Sep 2025)	1.81% (Nov 2024)	21.27 k	0.00
Bajaj Finance Ltd.	Non banking financial company (nbfc)	73.1	2.31%	0.05%	3.62% (Feb 2025)	2.25% (Nov 2024)	70.12 k	0.00
Pidilite Industries Ltd.	Specialty chemicals	65.2	2.06%	-0.08%	2.64% (Aug 2025)	2.06% (Oct 2025)	45.14 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 4 (Category Avg - 8.48) | Modified Duration 8.07 Years (Category Avg - 5.49)| Yield to Maturity 6.78% (Category Avg - 6.70%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	9.73%	23.21%
T-Bills	0.00%	0.01%
NCD & Bonds	0.00%	8.71%
PTC	0.00%	0.32%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	9.73%	23.22%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	2.81%
Net Receivables	Net Receivables	0.34%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

10.46vs7.77

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1.99vs0.99

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.78vs0.81

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.04vs0.07

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.23vs0.48

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Retirement Fund - Pure Equity Plan - Regular Plan - Growth	NA	1516.19	3.04	6.87	13.47	17.84	24.56
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Regular Plan - Growth	NA	997.52	1.84	6.27	11.20	14.44	20.85
Aditya Birla Sun Life Retirement Fund - The 30s Plan - Growth	NA	427.16	2.73	4.61	10.47	10.56	15.14
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Growth	NA	117.70	1.17	4.00	5.51	9.58	13.25
Union Retirement Fund - Regular Plan - Growth	NA	186.21	1.58	4.69	8.06	9.46	16.64
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Regular Plan - Growth	NA	88.45	1.06	3.37	5.60	9.39	11.03
PGIM India Retirement Fund - Regular Plan - Growth	NA	96.28	0.08	1.09	4.67	8.62	0.00
Baroda BNP Paribas Retirement Fund - Regular Plan - Growth	NA	391.85	1.78	4.32	6.54	8.57	0.00
Bandhan Retirement Fund - Regular Plan - Growth	NA	186.48	1.40	3.60	4.71	8.03	0.00
HDFC Retirement Savings Fund - Equity Plan - Regular Plan- Growth	NA	6968.96	1.98	4.12	5.21	7.40	18.55

Detailed Comparison

More Funds from Axis Mutual Fund

Out of 99 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 4 is/are ranked 4 * , 13 is/are ranked 3 * , 7 is/are ranked 2 * , 1 is/are ranked 1 * , and 73 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Axis Liquid Fund - Growth	3	35360.42	0.48	1.44	3.01	6.70	7.03
Axis ELSS Tax Saver Fund - Growth	2	35171.95	1.41	4.17	4.69	6.49	13.67
Axis Large Cap Fund - Growth	2	33827.15	1.29	4.39	3.61	7.56	11.51
Axis Midcap Fund - Growth	3	32069.13	1.07	3.61	8.90	6.32	19.08
Axis Small Cap Fund - Growth	3	27065.84	1.64	3.61	9.06	4.91	19.31
Axis Money Market Fund - Growth	2	22806.13	0.53	1.50	3.47	7.59	7.56
Axis Large & Mid Cap Fund - Growth	3	15453.36	1.24	4.23	7.83	6.17	18.80
Axis Banking & PSU Debt Fund - Growth	4	13417.14	0.62	1.63	3.43	8.03	7.33
Axis Flexi Cap Fund - Growth	3	13319.21	0.44	3.30	6.37	7.04	14.03
Axis Focused Fund - Growth	2	12580.86	0.32	3.21	4.35	6.39	11.02