Sharpe ratio
0.36Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+0.06%1Y Absolute Return
-0.38%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Axis Retirement Fund - Conservative Plan - Direct GrowthFund 5Y annualised return | ₹8,48,141 | ₹7,32,612 | ₹1,15,529 | +6.08% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age6.9 yrs
Fund information
Scheme code147830
ISININF846K01T69
BenchmarkCRISIL Hybrid 75+25 Conservative Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.25%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
74th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +66.87% | — | — |
| 3M | -3.33% | — | — |
| 6M | +6.90% | — | — |
| 1Y | +0.06% | — | +1.16% |
| 3Y | +7.99% | — | +8.74% |
| 5Y | +6.08% | — | +7.27% |
| Since Launch | +8.68% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.51Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
6.33%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.68How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt60.58%
Equity36.00%
Real Estate1.74%
Cash1.68%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 34 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 33.3507% |
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 15.0846% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 10.7046% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 4.5786% |
| State Bank of India | Financial | Equity | 2.7184% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 2.6041% |
| Bharti Airtel Ltd | Technology | Equity | 2.2607% |
| HDFC Bank Ltd | Financial | Equity | 2.0522% |
| Infosys Ltd | Technology | Equity | 2.0014% |
| ICICI Bank Ltd | Financial | Equity | 1.962% |
Fund management
HA
Hardik Shah
Since 2024 · Prior to joining Axis Mutual Fund, he has worked with Nippon India Mutual Fund, Quantum Asset Management Company and ICAP India (P) Ltd.
Mr. Shah has done B.E. Information Technology and MBA Finance.
KR
Krishnaa Narayan
Since 2024 · Prior to joining Axis Mutual Fund, she has worked with Price Waterhouse Coopers
She is a Chartered Accountant
DE
Devang Shah
Since 2024 · Prior to joining Axis AMC he has worked with ICICI Prudential AMC, Deutsche Asset Management (India) Pvt. Ltd. and Pricewaterhouse Coopers.
Mr. Shah is B.Com and ACA.
JA
Jayesh Sundar
Since 2024 · Prior to joining Axis MF, he has worked with Aviva Life Insurance Company, Tata Securities Ltd., Collins Stewart India Pvt. Ltd., IL&FS Investsmart and CRISIL
Mr. Sundar is a Chartered Accountant
Compare similar funds
No comparable category funds are available yet.
Summary
A high-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -12.7%, volatility 6.3%. Trailing its category average over 3Y by 0.7 points.
Strengths
- Losses and swings stayed contained — worst fall -12.7%, volatility 6.3%.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 23% of the portfolio.
Weaknesses
- Trailing its category average over 3Y by 0.7 points.
- Ranks 74 of 106 in its category over 1 year.
Ideal investor
- Needs a 3+ years horizon to ride out its high risk level.
Risk drivers
- None