Should I invest in Axis Retirement Fund - Dynamic Plan?

We don't give personal investment advice. Axis Retirement Fund - Dynamic Plan - Regular 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: 18.1%. 5-year CAGR: 6.84%.

Axis

Axis Retirement Fund - Dynamic Plan - Regular Plan - IDCW

Latest NAV

₹18.0400

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	+0.33%	+0.14%	+0.20	2 / 15	Q1
1W	+0.00%	-0.05%	+0.05	6 / 15	Q2
2W	-7.39%	-1.30%	-6.09	14 / 15	Q4
1M	-6.29%	-0.01%	-6.27	14 / 15	Q4
3M	-4.95%	+1.52%	-6.47	13 / 15	Q4
6M	-7.68%	+0.39%	-8.06	13 / 15	Q4
YTD	-9.57%	-0.87%	-8.70	14 / 15	Q4
1Y	-9.03%	-1.23%	-7.79	15 / 15	Q4
2Y	-2.71%	+0.65%	-3.37	15 / 15	Q4
3Y	+8.38%	+6.33%	+2.05	4 / 12	Q2
4Y	+9.24%	+7.59%	+1.65	4 / 11	Q2
5Y	+6.84%	+6.14%	+0.70	6 / 11	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.40%	+8.41%	+0.98	5 / 15	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	-9.57%	-0.87%	-8.70	14 / 15
2025	+1.07%	+3.08%	-2.01	11 / 15
2024	+24.14%	+8.78%	+15.36	1 / 13
2023	+20.18%	+17.66%	+2.52	5 / 12
2022	-6.49%	+0.83%	-7.32	10 / 11
2021	+19.10%	+10.48%	+8.62	1 / 7
2020	+17.68%	+12.95%	+4.73	1 / 7
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

+13.79%

68 windows

min -9.0% · max 44.2%

76% positive

3-Year rolling

+12.52%

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

+12.53%

20 windows

min 6.8% · 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

12.31%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.29

Downside-only deviation

Max drawdown

-16.23%

Sep 2024 → Feb 2025

% positive months

61.1%

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 - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.4106	17 Jul 2026
Bandhan Retirement Fund - Regular Plan - IDCW	Bandhan	₹12.6610	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular - Payout of IDCW	Aditya Birla Sun Life	₹18.2900	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Regular plan - IDCW option	Baroda BNP Paribas	₹11.5445	17 Jul 2026
PGIM India Retirement Fund - Regular Plan - IDCW Payout Option	PGIM India	₹12.2300	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Regular Plan - IDCW	Axis	₹16.9800	17 Jul 2026
Union Retirement Fund - Regular Plan - IDCW Option	Union	₹16.5200	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹18.0400
16 Jul 2026	₹17.9800
15 Jul 2026	₹17.9700
14 Jul 2026	₹17.9000
13 Jul 2026	₹18.0300
10 Jul 2026	₹18.0400
9 Jul 2026	₹17.8700
8 Jul 2026	₹17.7300
7 Jul 2026	₹18.0500
6 Jul 2026	₹18.0600

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 Plan - IDCW is ₹18.0400. It's a Retirement Fund from Axis, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Axis Retirement Fund - Dynamic Plan - Regular 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 - Dynamic Plan - Regular 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 - Dynamic Plan - Regular Plan - IDCW has delivered a absolute return of -9.03% — -7.79 pp behind the Retirement Fund category average of -1.23%. The fund ranks #15 of 15 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Axis Retirement Fund - Dynamic Plan - Regular Plan - IDCW has delivered a CAGR of 8.38% — +2.05 pp ahead of the Retirement Fund category average of 6.33%. The fund ranks #4 of 12 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Axis Retirement Fund - Dynamic Plan - Regular Plan - IDCW has delivered a CAGR of 6.84% — +0.7 pp ahead of the Retirement Fund category average of 6.14%. The fund ranks #6 of 11 in its category — the third (Q3) quartile.

₹1 lakh invested in Axis Retirement Fund - Dynamic Plan - Regular Plan - IDCW exactly 5 years ago would be worth approximately ₹139,197 today — a multiplier of 1.39×, based on the 5-year CAGR of 6.84%. The category average over the same window would have grown ₹1 lakh to ₹134,713.

A ₹10,000 monthly SIP in Axis Retirement Fund - Dynamic Plan - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹688,317 today. That's an XIRR (money-weighted annualised return) of 5.43%.

Axis Retirement Fund - Dynamic Plan - Regular 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 ₹688,317 — XIRR 5.43%.

On a 5-year basis, Axis Retirement Fund - Dynamic Plan - Regular Plan - IDCW ranks #6 out of 11 funds in the Retirement Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.14%; this fund delivered 6.84%.

The worst peak-to-trough decline Axis Retirement Fund - Dynamic Plan - Regular Plan - IDCW 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 Plan - IDCW averaged 12.53% (best 16.31%, worst 6.84%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.07 — weak risk-adjusted performance.

In calendar year 2025, Axis Retirement Fund - Dynamic Plan - Regular Plan - IDCW returned 1.07% — lagging the Retirement Fund category average of 3.08% by 2.01 pp. It ranked #11 of 15 in its category that year.

Axis Retirement Fund - Dynamic Plan - Regular 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 - Dynamic Plan - Regular 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: 18.1%. 5-year CAGR: 6.84%.

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