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

We don't give personal investment advice. Axis Retirement Fund - Dynamic 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: 18.1%. 5-year CAGR: 8.59%.

Axis

Axis Retirement Fund - Dynamic Plan - Regular Growth

Latest NAV

₹19.5700

As of

17 Jul 2026

1,625 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	+0.36%	+0.13%	+0.23	2 / 18	Q1
1W	+0.00%	-0.10%	+0.10	6 / 18	Q2
2W	+0.46%	+0.25%	+0.21	6 / 18	Q2
1M	+1.66%	+1.54%	+0.12	7 / 18	Q2
3M	+3.11%	+3.45%	-0.34	7 / 18	Q2
6M	+0.15%	+2.40%	-2.24	15 / 18	Q4
YTD	-1.90%	+1.18%	-3.09	17 / 18	Q4
1Y	-1.36%	+2.15%	-3.51	18 / 18	Q4
2Y	+1.33%	+3.25%	-1.92	17 / 18	Q4
3Y	+11.36%	+9.84%	+1.53	5 / 15	Q2
4Y	+11.48%	+10.64%	+0.85	7 / 14	Q2
5Y	+8.59%	+8.44%	+0.15	6 / 14	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+10.76%	+9.91%	+0.85	7 / 18	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	-1.90%	+1.18%	-3.09	17 / 18
2025	+1.07%	+4.08%	-3.01	15 / 18
2024	+24.14%	+14.07%	+10.08	1 / 16
2023	+20.18%	+18.56%	+1.63	7 / 15
2022	-6.49%	+0.25%	-6.74	13 / 14
2021	+19.10%	+12.35%	+6.75	3 / 10
2020	+17.68%	+13.17%	+4.52	1 / 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

+13.90%

68 windows

min -9.0% · max 44.2%

76% positive

3-Year rolling

+12.59%

44 windows

min 7.3% · max 17.2%

100% positive

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

5-Year rolling

+12.62%

20 windows

min 8.2% · max 16.3%

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

11.61%

3-year · annualised

Sharpe ratio

0.43

vs risk-free 6.5%

Sortino ratio

0.70

Downside-only deviation

Max drawdown

-16.23%

Sep 2024 → Feb 2025

% positive months

66.7%

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	₹19.4111	17 Jul 2026
Bandhan Retirement Fund - Regular Plan - Growth	Bandhan	₹12.6600	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	Aditya Birla Sun Life	₹22.4660	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Regular plan - Growth option	Baroda BNP Paribas	₹11.5445	17 Jul 2026
PGIM India Retirement Fund - Regular Plan - Growth Option	PGIM India	₹12.2300	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Regular Growth	Axis	₹18.4200	17 Jul 2026
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	Tata	₹68.3290	17 Jul 2026
Union Retirement Fund - Regular Plan - Growth Option	Union	₹16.5200	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹19.5700
16 Jul 2026	₹19.5000
15 Jul 2026	₹19.5000
14 Jul 2026	₹19.4200
13 Jul 2026	₹19.5600
10 Jul 2026	₹19.5700
9 Jul 2026	₹19.3900
8 Jul 2026	₹19.2300
7 Jul 2026	₹19.5800
6 Jul 2026	₹19.5900

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 - Dynamic Plan - Regular Growth is ₹19.5700. 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 - Dynamic Plan - Regular Growth 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 - Dynamic 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 - Dynamic Plan - Regular Growth has delivered a absolute return of -1.36% — -3.51 pp behind the Retirement Fund category average of 2.15%. The fund ranks #18 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Axis Retirement Fund - Dynamic Plan - Regular Growth has delivered a CAGR of 11.36% — +1.53 pp ahead of the Retirement Fund category average of 9.84%. The fund ranks #5 of 15 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Axis Retirement Fund - Dynamic Plan - Regular Growth has delivered a CAGR of 8.59% — +0.15 pp ahead of the Retirement Fund category average of 8.44%. The fund ranks #6 of 14 in its category — the second (Q2) quartile.

₹1 lakh invested in Axis Retirement Fund - Dynamic Plan - Regular Growth exactly 5 years ago would be worth approximately ₹151,003 today — a multiplier of 1.51×, based on the 5-year CAGR of 8.59%. The category average over the same window would have grown ₹1 lakh to ₹149,979.

A ₹10,000 monthly SIP in Axis Retirement Fund - Dynamic Plan - Regular Growth over the last 5 years — total invested ₹600,000 — would be worth ₹746,679 today. That's an XIRR (money-weighted annualised return) of 8.68%.

Axis Retirement Fund - Dynamic 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 ₹746,679 — XIRR 8.68%.

On a 5-year basis, Axis Retirement Fund - Dynamic Plan - Regular Growth ranks #6 out of 14 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 8.44%; this fund delivered 8.59%.

The worst peak-to-trough decline Axis Retirement Fund - Dynamic Plan - Regular Growth has experienced over the last 5-year window is 18.07% — its NAV fell from a high on 14 Oct 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 - Regular Growth averaged 12.62% (best 16.31%, worst 8.21%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2025, Axis Retirement Fund - Dynamic Plan - Regular Growth returned 1.07% — lagging the Retirement Fund category average of 4.08% by 3.01 pp. It ranked #15 of 18 in its category that year.

Axis Retirement Fund - Dynamic 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 - Dynamic 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: 18.1%. 5-year CAGR: 8.59%.

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