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

We don't give personal investment advice. Axis Retirement Fund - Dynamic Plan - Direct 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: 17.1%. 5-year CAGR: 9.78%.

Axis

Axis Retirement Fund - Dynamic Plan - Direct Growth

Latest NAV

₹20.5900

As of

3 Jun 2026

1,594 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	+0.63%	+0.23%	+0.40	2 / 30	Q1
1W	-1.15%	-0.92%	-0.22	17 / 30	Q3
2W	+0.24%	+0.19%	+0.05	12 / 30	Q2
1M	-1.20%	-0.65%	-0.55	22 / 30	Q3
3M	-1.99%	-0.23%	-1.76	26 / 30	Q4
6M	-5.88%	-2.18%	-3.69	27 / 30	Q4
YTD	-5.92%	-2.35%	-3.57	27 / 30	Q4
1Y	-3.46%	+1.26%	-4.72	27 / 30	Q4
2Y	+3.54%	+4.77%	-1.22	22 / 30	Q3
3Y	+12.63%	+11.65%	+0.98	10 / 27	Q2
4Y	+12.30%	+11.78%	+0.52	12 / 26	Q2
5Y	+9.78%	+10.27%	-0.50	12 / 26	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+11.92%	+11.15%	+0.77	11 / 30	Q2

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	-5.92%	-2.35%	-3.57	27 / 30
2025	+2.24%	+5.89%	-3.65	26 / 30
2024	+25.72%	+15.71%	+10.01	1 / 28
2023	+22.12%	+21.10%	+1.01	13 / 27
2022	-4.81%	+2.72%	-7.53	25 / 26
2021	+21.23%	+18.09%	+3.14	9 / 22
2020	+19.76%	+13.07%	+6.69	1 / 22
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

+15.77%

67 windows

min -8.6% · max 50.2%

82% positive

3-Year rolling

+14.23%

42 windows

min 9.3% · max 19.0%

100% positive

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

5-Year rolling

+14.30%

18 windows

min 9.7% · max 17.8%

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

12.37%

3-year · annualised

Sharpe ratio

0.50

vs risk-free 6.5%

Sortino ratio

0.76

Downside-only deviation

Max drawdown

-15.73%

Sep 2024 → Feb 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
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan	HDFC	₹53.5320	3 Jun 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹19.7204	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹30.3700	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹12.8150	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹23.5840	3 Jun 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹235.8290	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹19.4100	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹20.5900
2 Jun 2026	₹20.6600
1 Jun 2026	₹20.5300
31 May 2026	₹20.7100
29 May 2026	₹20.7100
27 May 2026	₹20.9500
26 May 2026	₹20.9000
25 May 2026	₹20.9500
22 May 2026	₹20.7600
21 May 2026	₹20.6900

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 - Dynamic Plan - Direct Growth is ₹20.5900. It's a Retirement Fund from Axis, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Axis Retirement Fund - Dynamic Plan - Direct 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 - Dynamic Plan - Direct 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 - Dynamic Plan - Direct Growth has delivered a absolute return of -3.46% — -4.72 pp behind the Retirement Fund category average of 1.26%. The fund ranks #27 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Axis Retirement Fund - Dynamic Plan - Direct Growth has delivered a CAGR of 12.63% — +0.98 pp ahead of the Retirement Fund category average of 11.65%. The fund ranks #10 of 27 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Axis Retirement Fund - Dynamic Plan - Direct Growth has delivered a CAGR of 9.78% — -0.5 pp behind the Retirement Fund category average of 10.27%. The fund ranks #12 of 26 in its category — the second (Q2) quartile.

₹1 lakh invested in Axis Retirement Fund - Dynamic Plan - Direct Growth exactly 5 years ago would be worth approximately ₹159,414 today — a multiplier of 1.59×, based on the 5-year CAGR of 9.78%. The category average over the same window would have grown ₹1 lakh to ₹163,065.

A ₹10,000 monthly SIP in Axis Retirement Fund - Dynamic Plan - Direct Growth over the last 5 years — total invested ₹600,000 — would be worth ₹747,638 today. That's an XIRR (money-weighted annualised return) of 8.73%.

Axis Retirement Fund - Dynamic Plan - Direct Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹747,638 — XIRR 8.73%.

On a 5-year basis, Axis Retirement Fund - Dynamic Plan - Direct Growth ranks #12 out of 26 funds in the Retirement Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.27%; this fund delivered 9.78%.

The worst peak-to-trough decline Axis Retirement Fund - Dynamic Plan - Direct Growth has experienced over the last 5-year window is 17.13% — its NAV fell from a high on 16 Nov 2021 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 - Dynamic Plan - Direct Growth averaged 14.30% (best 17.75%, worst 9.70%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.30 — weak risk-adjusted performance.

In calendar year 2025, Axis Retirement Fund - Dynamic Plan - Direct Growth returned 2.24% — lagging the Retirement Fund category average of 5.89% by 3.65 pp. It ranked #26 of 30 in its category that year.

Axis Retirement Fund - Dynamic Plan - Direct 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 - Dynamic Plan - Direct 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: 17.1%. 5-year CAGR: 9.78%.

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