Should I invest in Axis Retirement Fund - Conservative Plan?

We don't give personal investment advice. Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 9.7%. 5-year CAGR: 5.40%.

Axis

Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW

Latest NAV

₹16.1300

As of

17 Jul 2026

1,595 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.21%	+0.13%	+0.08	6 / 23	Q2
1W	-0.12%	-0.04%	-0.08	15 / 23	Q3
2W	-7.70%	-0.77%	-6.93	23 / 23	Q4
1M	-6.67%	+0.41%	-7.09	23 / 23	Q4
3M	-6.41%	+1.93%	-8.34	23 / 23	Q4
6M	-8.02%	+1.13%	-9.15	23 / 23	Q4
YTD	-8.81%	+0.09%	-8.90	21 / 23	Q4
1Y	-6.81%	+0.68%	-7.49	20 / 23	Q4
2Y	-0.48%	+2.40%	-2.88	17 / 23	Q3
3Y	+5.27%	+8.63%	-3.36	15 / 20	Q3
4Y	+6.63%	+9.86%	-3.22	16 / 19	Q4
5Y	+5.40%	+8.42%	-3.02	16 / 19	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.54%	+9.90%	-2.37	19 / 23	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-8.81%	+0.09%	-8.90	21 / 23
2025	+6.16%	+4.83%	+1.33	10 / 23
2024	+12.77%	+11.40%	+1.37	8 / 21
2023	+15.53%	+19.27%	-3.74	13 / 20
2022	-2.76%	+2.24%	-4.99	16 / 19
2021	+13.56%	+15.66%	-2.11	8 / 15
2020	+15.10%	+11.58%	+3.52	5 / 15
2019	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+10.05%

68 windows

min -6.8% · max 23.3%

90% positive

3-Year rolling

+9.58%

44 windows

min 5.3% · max 11.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+9.62%

20 windows

min 5.4% · max 12.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

7.09%

3-year · annualised

Sharpe ratio

-0.14

vs risk-free 6.5%

Sortino ratio

-0.20

Downside-only deviation

Max drawdown

-9.66%

Jan 2026 → Jul 2026

% positive months

63.9%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹20.6572	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹13.2420	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹20.4410	17 Jul 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹18.3984	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
UTI Retirement Fund- Direct Plan	UTI	₹55.0672	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹18.7000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.1300
16 Jul 2026	₹16.0967
15 Jul 2026	₹16.0815
14 Jul 2026	₹16.0479
13 Jul 2026	₹16.1406
10 Jul 2026	₹16.1487
9 Jul 2026	₹16.0603
8 Jul 2026	₹16.0190
7 Jul 2026	₹16.1647
6 Jul 2026	₹16.1454

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW is ₹16.1300. It's a Retirement Fund from Axis, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW has NAV history starting from 27 Dec 2019, a track record of about 6 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW is managed by Axis. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW has delivered a absolute return of -6.81% — -7.49 pp behind the Retirement Fund category average of 0.68%. The fund ranks #20 of 23 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW has delivered a CAGR of 5.27% — -3.36 pp behind the Retirement Fund category average of 8.63%. The fund ranks #15 of 20 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW has delivered a CAGR of 5.40% — -3.02 pp behind the Retirement Fund category average of 8.42%. The fund ranks #16 of 19 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW exactly 5 years ago would be worth approximately ₹130,063 today — a multiplier of 1.30×, based on the 5-year CAGR of 5.40%. The category average over the same window would have grown ₹1 lakh to ₹149,791.

A ₹10,000 monthly SIP in Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹661,181 today. That's an XIRR (money-weighted annualised return) of 3.83%.

Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹661,181 — XIRR 3.83%.

On a 5-year basis, Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW ranks #16 out of 19 funds in the Retirement Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.42%; this fund delivered 5.40%.

The worst peak-to-trough decline Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW has experienced over the last 5-year window is 9.66% — its NAV fell from a high on 02 Jan 2026 to a low on 08 Jul 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW averaged 9.62% (best 12.74%, worst 5.40%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.15 — negative risk-adjusted performance.

In calendar year 2025, Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW returned 6.16% — beating the Retirement Fund category average of 4.83% by 1.33 pp. It ranked #10 of 23 in its category that year.

Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Axis Retirement Fund - Conservative Plan - Direct Plan - IDCW is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 9.7%. 5-year CAGR: 5.40%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.