Should I invest in Axis Retirement Fund - Conservative Plan - Regular Growth?

We don't give personal investment advice. Axis Retirement Fund - Conservative Plan - Regular Growth 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: 9.1%. 5-year CAGR: 5.49%.

Axis

Axis Retirement Fund - Conservative Plan - Regular Growth

Latest NAV

₹15.5856

As of

3 Jun 2026

1,564 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	+0.24%	+0.28%	-0.03	10 / 18	Q3
1W	-0.50%	-1.02%	+0.52	5 / 18	Q2
2W	+0.15%	+0.18%	-0.03	9 / 18	Q2
1M	-0.73%	-0.53%	-0.20	9 / 18	Q2
3M	-2.84%	+0.13%	-2.96	18 / 18	Q4
6M	-3.96%	-2.49%	-1.47	12 / 18	Q3
YTD	-4.17%	-2.48%	-1.69	13 / 18	Q3
1Y	-2.55%	+0.11%	-2.66	15 / 18	Q4
2Y	+2.65%	+3.68%	-1.03	12 / 18	Q3
3Y	+7.03%	+10.00%	-2.96	12 / 15	Q4
4Y	+6.61%	+9.83%	-3.22	13 / 14	Q4
5Y	+5.49%	+8.12%	-2.64	13 / 14	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.15%	+9.30%	-2.15	14 / 18	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	-4.17%	-2.48%	-1.69	13 / 18
2025	+4.94%	+4.08%	+0.86	8 / 18
2024	+11.40%	+14.07%	-2.67	9 / 16
2023	+13.89%	+18.56%	-4.67	11 / 15
2022	-4.25%	+0.25%	-4.50	12 / 14
2021	+11.75%	+12.35%	-0.60	6 / 10
2020	+13.73%	+13.17%	+0.56	7 / 10
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

+8.72%

67 windows

min -4.5% · max 23.3%

81% positive

3-Year rolling

+8.01%

42 windows

min 5.8% · max 10.2%

100% positive

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

5-Year rolling

+8.07%

18 windows

min 5.5% · max 10.0%

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

6.54%

3-year · annualised

Sharpe ratio

0.08

vs risk-free 6.5%

Sortino ratio

0.13

Downside-only deviation

Max drawdown

-7.55%

Sep 2024 → Mar 2025

% positive months

72.2%

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
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	SBI	₹18.5546	3 Jun 2026
Bandhan Retirement Fund - Regular Plan - Growth	Bandhan	₹12.2670	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	Aditya Birla Sun Life	₹21.1330	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Regular plan - Growth option	Baroda BNP Paribas	₹11.0806	3 Jun 2026
PGIM India Retirement Fund - Regular Plan - Growth Option	PGIM India	₹11.5500	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Regular Growth	Axis	₹17.6100	3 Jun 2026
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	Tata	₹65.6911	3 Jun 2026
Union Retirement Fund - Regular Plan - Growth Option	Union	₹15.6500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹15.5856
2 Jun 2026	₹15.6089
1 Jun 2026	₹15.5710
31 May 2026	₹15.6265
29 May 2026	₹15.6264
27 May 2026	₹15.6780
26 May 2026	₹15.6872
25 May 2026	₹15.7128
22 May 2026	₹15.6236
21 May 2026	₹15.5897

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 03 Jun 2026, the NAV of Axis Retirement Fund - Conservative Plan - Regular Growth is ₹15.5856. It's a Retirement Fund from Axis, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Axis Retirement Fund - Conservative Plan - Regular Growth has NAV history starting from 27 Dec 2019, a track record of about 6 years 5 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 - Regular Growth 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 - Regular Growth has delivered a absolute return of -2.55% — -2.66 pp behind the Retirement Fund category average of 0.11%. The fund ranks #15 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Axis Retirement Fund - Conservative Plan - Regular Growth has delivered a CAGR of 7.03% — -2.96 pp behind the Retirement Fund category average of 10.00%. The fund ranks #12 of 15 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Axis Retirement Fund - Conservative Plan - Regular Growth has delivered a CAGR of 5.49% — -2.64 pp behind the Retirement Fund category average of 8.12%. The fund ranks #13 of 14 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Axis Retirement Fund - Conservative Plan - Regular Growth exactly 5 years ago would be worth approximately ₹130,604 today — a multiplier of 1.31×, based on the 5-year CAGR of 5.49%. The category average over the same window would have grown ₹1 lakh to ₹147,754.

A ₹10,000 monthly SIP in Axis Retirement Fund - Conservative Plan - Regular Growth over the last 5 years — total invested ₹600,000 — would be worth ₹681,151 today. That's an XIRR (money-weighted annualised return) of 5.01%.

Axis Retirement Fund - Conservative Plan - Regular Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹681,151 — XIRR 5.01%.

On a 5-year basis, Axis Retirement Fund - Conservative Plan - Regular Growth ranks #13 out of 14 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 8.12%; this fund delivered 5.49%.

The worst peak-to-trough decline Axis Retirement Fund - Conservative Plan - Regular Growth has experienced over the last 5-year window is 9.11% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 2022. 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 - Regular Growth averaged 8.06% (best 10.01%, worst 5.49%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.14 — negative risk-adjusted performance.

In calendar year 2025, Axis Retirement Fund - Conservative Plan - Regular Growth returned 4.94% — beating the Retirement Fund category average of 4.08% by 0.86 pp. It ranked #8 of 18 in its category that year.

Axis Retirement Fund - Conservative Plan - Regular Growth 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 - Regular Growth 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: 9.1%. 5-year CAGR: 5.49%.

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