Axis Retirement Fund - Conservative Plan

Q: What are the returns of this mutual fund scheme?

The Axis Retirement Fund - Conservative Plan is a 6 yrs 2 m old fund and has delivered average annual returns of 7.93% since inception. Axis Retirement Fund - Conservative Plan Returns 1-Year 3-Year 5-Year Since Inception 3.57% 9.36% 6.58% 7.93%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹15.9535-0.7% 1 day change	7.93% p.a.	App exclusive #NA View Ranked Funds	₹53 Cr

Historical NAV & returns

NAV: ₹15.9535 as on Feb 02, 2026

This fund Category average

Axis Retirement Fund - Conservative Plan overview

AUM (Fund size)	₹53 Cr
Exit load	0%
Lock-in Period	5 Years
Age	6 yrs 2 m since Nov 29, 2019
Benchmark	CRISIL Hybrid 75+25 Conservative Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.15% as on Jan 29, 2026
Plan type	Regular
Risk	High

Axis Retirement Fund - Conservative Plan Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	-1.95%	-2.31%
3 Months	-1.07%	-2.24%
6 Months	0.32%	-0.17%
1 Year	3.57%	5.75%
2 Years	5.59%	7.98%
3 Years	9.36%	11.23%
4 Years	6.1%	8.77%
5 Years	6.58%	8.98%

Asset allocationas on Dec 31, 2025

Large Cap 37.36%

Mid Cap 1.17%

Small Cap 0.81%

Other Cap 0%

Top holdings

Reliance Industries Ltd.4.99%

State Bank of India3.39%

Infosys Ltd.2.9%

Bharti Airtel Ltd.2.31%

Top sectors

Financial 9.64%

Energy 6.390000000000001%

Technology 5.65%

Healthcare 5.0600000000000005%

SOV 55.46346082%

Cash & Call Money 3.75187336%

Top Debt Holdings

GOI 55.46%

Others 2.44%

Allocation by Instruments

GOI Securities 55.463460819999995%

CBLO 2.43688415%

Infrastructure Investment Trust 1.44810182%

Net Receivables 1.31498921%

Other Holdings

Indus Infra Trust 1.45%

Others 1.31%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Axis Retirement Fund - Conservative Plan	-1.95%	0.32%	3.57%	9.36%	6.58%	N.A.
UTI Retirement Fund	-1.58%	1.1%	5.8%	11.54%	10.99%	9.87%
HDFC Retirement Savings Fund - Hybrid Equity Plan	-3.55%	-0.02%	5.65%	13.4%	12.89%	14.39%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	-0.87%	2.96%	9.03%	11.3%	8.05%	5.95%
HDFC Retirement Savings Fund - Hybrid Debt Plan	-1.18%	0.47%	4.81%	8.18%	7.33%	8.05%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	-3.77%	2.95%	13.0%	21.19%	15.76%	10.23%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Axis Retirement Fund - Conservative Plan	5.89	1.5	0.57	0.92
UTI Retirement Fund	5.6	0.62	0.96	1.41
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.58	0.78	0.86	1.29
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.04	0.97	1.21	1.63
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.45	0.87	0.61	0.95
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.33	1.1	1.15	1.65

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Axis Retirement Fund - Conservative Plan	N.A.	53 Cr	6 yrs 2 m	2.15%
UTI Retirement Fund	N.A.	4,789 Cr	31 yrs 1 m	1.68%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,744 Cr	9 yrs 11 m	2.07%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	90 Cr	6 yrs 11 m	2.12%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	161 Cr	9 yrs 11 m	2.16%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	1,082 Cr	6 yrs 11 m	2.15%

View all Retirement Solutions funds

Key risk & return ratios Compared to other funds in the category

Alpha	-1.33 vs. 3.23 Underperformed at beating benchmark
Sharpe	0.57 vs. 3.15 Poor risk-adjusted returns
Beta	1.5 vs. 0.84 More sensitive to market's ups & downs
Standard deviation	5.89 vs. 6.19 More stable returns

Compare Axis Retirement Fund - Conservative Plan in detail with

About this fund

About Axis Retirement Fund - Conservative Plan

Axis Retirement Fund - Conservative Plan is a Retirement Solutions mutual fund scheme from Axis Mutual Fund. This fund has been in existence for 6 yrs 2 m, having been launched on 29/11/2019. Axis Retirement Fund - Conservative Plan has ₹53 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Axis Retirement Fund - Conservative Plan as of 02/02/2026 is ₹15.95. The fund has an expense ratio of 2.15%, which is higher than what most other Retirement Solutions funds charge. Currently, the fund has a 39.34% allocation to equity and 57.90% to Debt.

Axis Retirement Fund - Conservative Plan returns of last 1-year are 3.42%. Since launch, it has delivered 7.92% average annual returns.
Axis Retirement Fund - Conservative Plan scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's equity portion is primarily invested in Financial, Energy, Technology, Healthcare, Consumer Staples sectors. It has taken less exposure in Financial, Energy sectors compared to other funds in the category.
The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.
The fund's top 5 holdings are in GOI, Reliance Industries Ltd., State Bank of India, Infosys Ltd., Bharti Airtel Ltd..

...

Fund AUM	53 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Jayesh Sundar

Mr. Sundar is a Chartered Accountant 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

Devang Shah

Mr. Shah is B.Com and ACA. Prior to joining Axis AMC he has worked with ICICI Prudential AMC, Deutsche Asset Management (India) Pvt. Ltd. and Pricewaterhouse Coopers.

Hardik Shah

Mr. Shah has done B.E. Information Technology and MBA Finance. Prior to joining Axis Mutual Fund, he has worked with Nippon India Mutual Fund, Quantum Asset Management Company and ICAP India (P) Ltd.

Investment objective

The schemes seeks to generate regular income through investments predominantly in debt and money market instruments and to generate long term capital appreciation by investing certain portion of the portfolio in equity and equity related securities.

Axis Mutual Fund details

No. of schemes	70 view all schemes
Total AUM	3,65,749 Cr as on Dec 31, 2025
Address	23rd Floor, One Lodha Place, S. B. Road, Lower Parel. Mumbai, 400013
Phone	022-24255161

More funds from Axis Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Axis Multi Asset Allocation Fund	N.A.	1,875 Cr	17.25%	11.39%
Axis Balanced Advantage Fund	N.A.	3,816 Cr	5.74%	10.53%
Axis Retirement Fund - Dynamic Plan	N.A.	306 Cr	2.31%	10.04%
Axis Retirement Fund - Aggressive Plan	N.A.	756 Cr	3.43%	9.06%
Axis Aggressive Hybrid Fund	N.A.	1,550 Cr	4.92%	9.05%
Axis Equity Savings Fund	N.A.	927 Cr	5.35%	8.12%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Axis Retirement Fund - Conservative Plan?

The current Net Asset Value (NAV) of the Axis Retirement Fund - Conservative Plan plan is approximately ₹15.9535 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Axis Retirement Fund - Conservative Plan is a 6 yrs 2 m old fund and has delivered average annual returns of 7.93% since inception.

Axis Retirement Fund - Conservative Plan Returns

1-Year	3-Year	5-Year	Since Inception
3.57%	9.36%	6.58%	7.93%

How much does this mutual fund charge as expense ratio?

The Axis Retirement Fund - Conservative Plan has an expense ratio of 2.15%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Axis Retirement Fund - Conservative Plan currently has assets under management (AUM) or fund size valued at approximately 53 Cr as on Dec 31, 2025.

What are the top stock holdings of Axis Retirement Fund - Conservative Plan?

The Axis Retirement Fund - Conservative Plan's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
Reliance Industries Ltd.	4.99%
State Bank of India	3.39%
Infosys Ltd.	2.9%
Bharti Airtel Ltd.	2.31%
HDFC Bank Ltd.	2.29%
Apollo Hospitals Enterprise Ltd.	1.9%
ITC Ltd.	1.72%
Larsen & Toubro Ltd.	1.68%
Life Insurance Corporation of India	1.58%
HCL Technologies Ltd.	1.52%

What are the top sectors Axis Retirement Fund - Conservative Plan has invested in?

The Axis Retirement Fund - Conservative Plan's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	9.64%
Energy	6.390000000000001%
Technology	5.65%
Healthcare	5.0600000000000005%
Consumer Staples	3.58%
Automobile	2.79%
Communication	2.31%
Insurance	2.17%
Construction	1.68%
Services	0.08%

To whom does Axis Retirement Fund - Conservative Plan lend to?

The top 3 debt holdings of Axis Retirement Fund - Conservative Plan are as follows

Holding Name	Percentage of Portfolio
GOI	55.46%
Others	2.44%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Axis Retirement Fund - Conservative Plan's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	55.46346082%
Cash & Call Money	3.75187336%

What is risk level of Axis Retirement Fund - Conservative Plan?

This is a Retirement Solutions fund comes with High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 5 years.

How can I redeem my investments in Axis Retirement Fund - Conservative Plan?

Redeeming your investments in the Axis Retirement Fund - Conservative Plan is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Retirement Solutions

#NA

Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Chance: This fund has generated only 8.48% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.