Axis Retirement Fund - Aggressive Plan - Regular Plan - Growth Option
Retirement Funds are designed for retirement saving, with a lock-in of 5 years or until retirement age, whichever is earlier.
- Current NAV₹17.8500
- Fund Size (AUM)—
- Expense Ratio—
- 1Y Return-4.75%
- 3Y Return (CAGR)+8.72%
- 5Y Return (CAGR)+4.28%
- Category Rank (3Y)—
- Riskometer—
- Min. SIP / Lump sum—
More figures (11)
- Since Launch (CAGR)+8.87%
- Benchmark—
- Volatility (3Y)11.02 %
- Sharpe Ratio (3Y)0.20
- Beta (3Y)—
- 52-week High / Low₹18.9800 / ₹16.6000
- Max Drawdown-26.1 %
- Launched27 Dec 2019
- Lock-in—
- Portfolio Turnover—
- Fund Managers—
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 5 years it returned 4.3% a year.
- Volatility over 3 years was 11.0% a year, with a Sharpe ratio of 0.2.
- Its biggest fall from a peak was 26.1% (12 Feb 2020 to 23 Mar 2020).
- Across all 3-year periods since launch, yearly returns ranged from 5.3% to 17.8% and were positive 100% of the time.
Pros
AI- Every 3-year period since launch gave a positive return (lowest 5.3% a year).
Cons
AINo standout weaknesses in its record so far.
Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language.
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | +1.31% | -0.61% | -2.62% | +0.06% | -4.65% | -4.75% | -2.27% | +8.72% | +4.28% | — | — | +8.87% |
Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Regular Growth plans in Retirement Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| This fund | -4.65% | +4.17% | +19.24% | +19.60% | -7.08% | +16.49% | +16.28% |
January to December each year; the current year is to date.
Month-by-month returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.7 | 0.3 | -9.2 | 7.3 | -0.7 | 2.5 | 2.0 | 0.5 | -4.8 | 0.9 | |||
| 2025 | -2.4 | -6.1 | 6.3 | 2.7 | 2.8 | 1.8 | -2.2 | -2.4 | 1.1 | 3.5 | 0.3 | -0.7 | 4.2 |
| 2024 | 0.8 | 2.8 | 2.9 | 2.2 | 0.7 | 6.0 | 4.1 | 2.1 | 2.4 | -4.9 | 0.0 | -0.9 | 19.2 |
| 2023 | -3.7 | 0.6 | -1.1 | 3.6 | 3.9 | 3.3 | 0.9 | -0.2 | 1.9 | -1.9 | 6.4 | 4.9 | 19.6 |
| 2022 | -3.2 | -3.8 | 1.0 | -0.1 | -5.4 | -4.4 | 9.4 | 3.8 | -2.8 | 0.2 | 0.6 | -1.7 | -7.1 |
| 2021 | -3.9 | 6.7 | 0.3 | -0.7 | 3.5 | 3.7 | 0.6 | 6.1 | 2.1 | -1.2 | -2.3 | 1.0 | 16.5 |
| 2020 | 1.7 | -1.6 | -15.7 | 7.7 | -2.1 | 5.4 | 1.7 | 2.4 | 0.0 | 3.0 | 8.6 | 6.4 | 16.3 |
Change in NAV from the last business day of one month to the last business day of the next. Positive in 51 of 82 months shown (62%). "Year" is shown for complete calendar years.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 11.02% | 11.08% |
| Sharpe ratio ? | 0.20 | -0.20 |
| Sortino ratio ? | 0.27 | -0.27 |
| Maximum drawdown | -14.40% | -21.65% |
Rolling 3-year returns (yearly)
Rolling 5-year returns (yearly)
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
How it handled market falls
Biggest falls in this fund's NAV
| Peak | Bottom | Fall | Back to the peak on | Time to recover |
|---|---|---|---|---|
| 12 Feb 2020 | 23 Mar 2020 | -26.0% | 13 Nov 2020 | 8 months |
| 14 Oct 2021 | 17 Jun 2022 | -22.0% | 4 Dec 2023 | 18 months |
| 27 Sep 2024 | 28 Feb 2025 | -14.4% | Not yet | — |
| 11 Jan 2021 | 29 Jan 2021 | -7.1% | 10 Feb 2021 | 12 days |
| 3 Mar 2021 | 19 Apr 2021 | -6.1% | 3 Jun 2021 | 45 days |
Falls of 5% or more from a previous high, deepest first. Time to recover runs from the bottom to the day the NAV regained its old high.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,17,524 | ₹-2,476 | -3.79% |
| 3Y | ₹3,60,000 | ₹3,69,994 | ₹9,994 | +1.78% |
| 5Y | ₹6,00,000 | ₹7,02,937 | ₹1,02,937 | +6.27% |
A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.
What your investment would be worth
Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.
Compare with all Retirement Funds (29)
| S.No. | Scheme (Regular plans, Growth) | NAV ₹ | 1M % | 6M % | 1Y % | 3Y % CAGR | 5Y % CAGR | Expense ratio % | Fund size ₹ Cr | Riskometer |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Aditya Birla Sun Life Retirement Fund-The 30s PlanAditya Birla Sun Life Mutual Fund | ₹22.0170 | — | — | — | — | — | — | — | — |
| 2. | Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Mutual Fund | ₹18.6530 | — | — | — | — | — | — | — | — |
| 3. | Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Mutual Fund | ₹14.8801 | — | — | — | — | — | — | — | — |
| 4. | Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanAditya Birla Sun Life Mutual Fund | ₹13.5192 | — | — | — | — | — | — | — | — |
| 5. | Axis Retirement Fund - Aggressive PlanAxis Mutual Fund | ₹17.8500 | — | — | — | — | — | — | — | — |
| 6. | Axis Retirement Fund - Conservative PlanAxis Mutual Fund | ₹15.5453 | — | — | — | — | — | — | — | — |
| 7. | Axis Retirement Fund - Dynamic PlanAxis Mutual Fund | ₹18.9800 | — | — | — | — | — | — | — | — |
| 8. | BANDHAN RETIREMENT FUNDBandhan Mutual Fund | ₹12.3010 | — | — | — | — | — | — | — | — |
| 9. | Baroda BNP Paribas Retirement FundBaroda BNP Paribas Mutual Fund | ₹11.2322 | — | — | — | — | — | — | — | — |
| 10. | Franklin India Retirement FundFranklin Templeton Mutual Fund | ₹214.5108 | — | — | — | — | — | — | — | — |
| 11. | HDFC Retirement Fund - Equity PlanHDFC Mutual Fund | ₹47.3600 | — | — | — | — | — | — | — | — |
| 12. | HDFC Retirement Fund - Hybrid-Debt PlanHDFC Mutual Fund | ₹21.4699 | — | — | — | — | — | — | — | — |
| 13. | HDFC Retirement Fund - Hybrid-Equity PlanHDFC Mutual Fund | ₹36.1460 | — | — | — | — | — | — | — | — |
| 14. | ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Mutual Fund | ₹26.8100 | — | — | — | — | — | — | — | — |
| 15. | ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Mutual Fund | ₹17.9738 | — | — | — | — | — | — | — | — |
| 16. | ICICI Prudential Retirement Fund Pure Debt PlanICICI Prudential Mutual Fund | ₹15.5826 | — | — | — | — | — | — | — | — |
| 17. | ICICI Prudential Retirement Fund Pure Equity PlanICICI Prudential Mutual Fund | ₹33.6300 | — | — | — | — | — | — | — | — |
| 18. | Nippon India Retirement Fund- Income Generation SchemeNippon India Mutual Fund | ₹19.8463 | — | — | — | — | — | — | — | — |
| 19. | Nippon India Retirement Fund- Wealth Creation SchemeNippon India Mutual Fund | ₹27.4474 | — | — | — | — | — | — | — | — |
| 20. | PGIM India Retirement FundPGIM India Mutual Fund | ₹11.8700 | — | — | — | — | — | — | — | — |
| 21. | SBI Retirement Benefit Fund - Aggressive Hybrid PlanSBI Mutual Fund | ₹18.8663 | — | — | — | — | — | — | — | — |
| 22. | SBI Retirement Benefit Fund - Aggressive PlanSBI Mutual Fund | ₹19.4237 | — | — | — | — | — | — | — | — |
| 23. | SBI Retirement Benefit Fund - Conservative Hybrid PlanSBI Mutual Fund | ₹15.5598 | — | — | — | — | — | — | — | — |
| 24. | SBI Retirement Benefit Fund - Conservative PlanSBI Mutual Fund | ₹14.4780 | — | — | — | — | — | — | — | — |
| 25. | Tata Retirement Savings Fund-Conservative PlanTata Mutual Fund | ₹32.1594 | — | — | — | — | — | — | — | — |
| 26. | Tata Retirement Savings Fund-Moderate PlanTata Mutual Fund | ₹65.1065 | — | — | — | — | — | — | — | — |
| 27. | Tata Retirement Savings Fund-Progressive PlanTata Mutual Fund | ₹65.6579 | — | — | — | — | — | — | — | — |
| 28. | Union Retirement FundUnion Mutual Fund | ₹15.8200 | — | — | — | — | — | — | — | — |
| 29. | UTI Retirement FundUTI Mutual Fund | ₹49.5915 | — | — | — | — | — | — | — | — |
| Median: 29 schemes | — | — | — | — | — | — | — | — | — |
Detailed comparison with another fund About Retirement Funds
Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.
Scheme details
- Fund house
- Axis Mutual Fund
- Category
- Retirement Funds · Solution oriented
- Plan / option
- Regular · Growth
- AMFI scheme code
- 147823
- ISIN
- INF846K01T02
- Exit load & portfolio
- See the scheme's KIM and monthly factsheet on the fund house website.
About Retirement Funds
Retirement Funds are designed for retirement saving, with a lock-in of 5 years or until retirement age, whichever is earlier.
Generally used by long-term retirement saving.
Other plans of this scheme
Tax on your gains
Tax treatment depends on what the fund holds: equity-oriented if at least 65% is in Indian shares (directly or through equity funds), debt-oriented if over 65% is in debt, otherwise the "other" rules.
- Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
- Switching from one scheme or plan to another counts as selling and buying.
- Surcharge and 4% health and education cess apply on top of these rates.
| Fund type | Short-term | Long-term |
|---|---|---|
| Equity-oriented | 20% (up to 12 months) | 12.5% above ₹1.25 lakh |
| Debt-oriented (bought from Apr 2023) | Slab rate | Slab rate |
| Gold, international, other hybrid | Slab rate | 12.5% (after 12 or 24 months) |
Exit load, if any, is set out in the scheme's KIM. Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.
Latest news: Axis Mutual Fund
- Axis Mutual Fund files offer document for Dividend Yield FundInvestment Guru India · 19 h ago
- Axis Nifty Capital Markets Index Fund - Regular Plan PortfolioThe Economic Times · 23 h ago
- Axis Mutual Fund to launch EV and new-age automotive index fund tomorrowFortune India · Yesterday
- Axis Mutual Fund launches India’s first EV Index fund, NFO opens October 16BusinessLine · Yesterday
- Axis Mutual Fund Offers EV Sector Exposure Through Index FundSMEStreet · Yesterday
- Axis MF to launch EV and new-age automotive index fund on October 16CNBC TV18 · Yesterday
- Pine Labs stake sale: Actis divests 2.08% for INR 371 crore; Axis Mutual Fund buys 0.84%Goodreturns · 13 Oct
- Axis AMC forays into SIFs; Anand Rathi Wealth net profit falls 10.4%Business Standard · 10 Oct
Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.
Questions about this scheme
What is the NAV of Axis Retirement Fund - Aggressive Plan today?
What returns has Axis Retirement Fund - Aggressive Plan given?
What is the expense ratio of Axis Retirement Fund - Aggressive Plan?
How risky is this fund?
What is the difference between Direct and Regular plans?
What are Retirement Funds?
How are gains from Axis Retirement Fund - Aggressive Plan taxed?
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