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

The Axis Retirement Fund - Dynamic Plan Direct-Growth is a 6 yrs 2 m old fund and has delivered average annual returns of 12.91% since inception. Axis Retirement Fund - Dynamic Plan Direct-Growth Returns 1-Year 3-Year 5-Year Since Inception 3.5% 16.34% 11.75% 12.91%

Question 1

What is the current NAV of Axis Retirement Fund - Dynamic Plan Direct-Growth?

Accepted Answer

The current Net Asset Value (NAV) of the Axis Retirement Fund - Dynamic Plan - Direct Growth plan is approximately ₹21.02 as of Feb 02, 2026.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The Axis Retirement Fund - Dynamic Plan Direct-Growth is a 6 yrs 2 m old fund and has delivered average annual returns of 12.91% since inception.

Axis Retirement Fund - Dynamic Plan Direct-Growth Returns

1-Year	3-Year	5-Year	Since Inception
3.5%	16.34%	11.75%	12.91%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The Axis Retirement Fund - Dynamic Plan - Direct Growth has an expense ratio of 1.18%, 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.

Question 4

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

Accepted Answer

The Axis Retirement Fund - Dynamic Plan currently has assets under management (AUM) or fund size valued at approximately 306 Cr as on Dec 31, 2025.

Question 5

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

Accepted Answer

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

Company	Percentage of Portfolio
HDFC Bank Ltd.	6.7%
Reliance Industries Ltd.	5.98%
ICICI Bank Ltd.	5.56%
Infosys Ltd.	4.15%
State Bank of India	3.41%
Larsen & Toubro Ltd.	3.34%
Bharti Airtel Ltd.	3.01%
Mahindra & Mahindra Ltd.	2.57%
Pidilite Industries Ltd.	2.18%
Bajaj Finance Ltd.	1.95%

Question 6

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

Accepted Answer

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

Company	Percentage of Portfolio
HDFC Bank Ltd.	6.7%
Reliance Industries Ltd.	5.98%
ICICI Bank Ltd.	5.56%
Infosys Ltd.	4.15%
State Bank of India	3.41%
Larsen & Toubro Ltd.	3.34%
Bharti Airtel Ltd.	3.01%
Mahindra & Mahindra Ltd.	2.57%
Pidilite Industries Ltd.	2.18%
Bajaj Finance Ltd.	1.95%

Question 7

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

Accepted Answer

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

Holding Name	Percentage of Portfolio
GOI	9.99%
Others	2.99%

Question 8

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

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The Axis Retirement Fund - Dynamic Plan's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
GOI	9.99%
Others	2.99%

Question 9

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

Accepted Answer

This is a Retirement Solutions fund comes with Very High risk.

Question 10

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

Accepted Answer

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

Question 11

How do I invest in Axis Retirement Fund - Dynamic Plan Direct-Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Axis Retirement Fund - Dynamic Plan - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the Axis Retirement Fund - Dynamic Plan is complete.

Question 12

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

Accepted Answer

Redeeming your investments in the Axis Retirement Fund - Dynamic 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.

Expense ratio	1.18% as on Jan 29, 2026
Exit load	0%
AUM (Fund size)	₹306 Cr
Lock-in Period	5 Years
Age	6 yrs 2 m since Nov 29, 2019
Benchmark	CRISIL Hybrid 35+65 Aggressive Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Risk	Very High

Period	This fund	Category average
1 Month	-4.8%	-2.24%
3 Months	-4.97%	-2.03%
6 Months	-1.78%	0.29%
1 Year	3.5%	6.73%
2 Years	10.04%	8.99%
3 Years	16.34%	12.34%
4 Years	10.15%	9.91%
5 Years	11.75%	10.1%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Axis Retirement Fund - Dynamic Plan	-4.8%	-1.78%	3.5%	16.34%	11.75%	N.A.
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	-0.78%	3.57%	10.41%	12.56%	9.31%	6.93%
UTI Retirement Fund	-1.53%	1.37%	6.42%	12.24%	11.71%	10.57%
HDFC Retirement Savings Fund - Hybrid Equity Plan	-3.47%	0.55%	6.83%	14.71%	14.26%	15.92%
HDFC Retirement Savings Fund - Hybrid Debt Plan	-1.1%	1.01%	5.95%	9.4%	8.59%	9.43%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	-3.65%	3.69%	14.6%	22.91%	17.43%	11.42%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Axis Retirement Fund - Dynamic Plan	11.1	1.12	0.91	1.21
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.04	0.97	1.49	2.01
UTI Retirement Fund	5.6	0.62	1.07	1.57
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.59	0.78	0.99	1.49
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.45	0.87	0.93	1.45
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.34	1.1	1.27	1.82

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Axis Retirement Fund - Dynamic Plan	N.A.	306 Cr	6 yrs 2 m	1.18%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	90 Cr	6 yrs 11 m	0.94%
UTI Retirement Fund	N.A.	4,789 Cr	13 yrs 1 m	1.13%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,744 Cr	9 yrs 11 m	0.94%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	161 Cr	9 yrs 11 m	1.13%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	1,082 Cr	6 yrs 11 m	0.8%

Axis Retirement Fund - Dynamic Plan Direct-Growth

Historical NAV & returns

Axis Retirement Fund - Dynamic Plan overview

Axis Retirement Fund - Dynamic Plan Returns calculator

Trailing returns as on Feb 03, 2026

Asset allocationas on Dec 31, 2025

Peer comparison

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

About this fund

About Axis Retirement Fund - Dynamic Plan

Fund managers

Investment objective

Axis Mutual Fund details

More funds from Axis Mutual Fund

Frequently asked questions

Axis Retirement Fund - Dynamic Plan Direct-Growth Returns

ET Money rank

Alpha	2.47 vs. 3.96 Underperformed at beating benchmark
Sharpe	0.91 vs. 3.77 Poor risk-adjusted returns
Beta	1.12 vs. 0.98 More sensitive to market's ups & downs
Standard deviation	11.1 vs. 6.2 More volatile performance

Fund AUM	306 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

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

Fund name	ETM Rank	AUM	1Y	5Y
Axis Multi Asset Allocation Fund	N.A.	1,875 Cr	18.45%	12.81%
Axis Balanced Advantage Fund	N.A.	3,816 Cr	7.03%	11.92%
Axis Retirement Fund - Aggressive Plan	N.A.	756 Cr	4.7%	10.67%
Axis Aggressive Hybrid Fund	N.A.	1,550 Cr	6.12%	10.38%
Axis Equity Savings Fund	N.A.	927 Cr	6.63%	9.53%

Sector	Percentage of Portfolio
Financial	23.23%
Energy	9.4%
Healthcare	9.33%
Automobile	6.629999999999999%
Capital Goods	6.389999999999999%
Technology	6.17%
Consumer Staples	5.3%
Construction	4.96%
Services	3.8699999999999997%
Communication	3.01%

Credit Quality	Percentage of Portfolio
SOV	9.9928819%
Cash & Call Money	3.00059197%