HealthyDirect · GrowthFit for a long SIP
Axis Retirement Fund - Conservative Plan
Axis Mutual FundSolution Oriented Schemes ** - Retirement Fund6.9 years
- NAV
- 17.7023
- 5 Nov 2026
- 1Y
- +0.3%
- Trailing CAGR
- AUM
- ₹44.7 Cr
- 30 Sept 2026
- Volatility
- Low
- 6.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 5 Nov 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Pass
6.9 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.28% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -12.7%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 77.1% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+0.3%
- 3Y+8.1%
- 5Y+6.3%
- 10Yn/a
- SI+8.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.8%
- 3Y+3.8%
- 5Y+6.4%
- 10Yn/a
- Since inception
- +8.7%
- Calendar-day CAGR
- Excess 1Y
- +2.2%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 40
- Vs comparable share classes
- SIP 3Y XIRR
- +3.8%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.5%
- 943 daily-ending windows
- Median rolling 3Y
- +9.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 459 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -12.7%
- Worst peak-to-trough
- Current
- -1.3%
- Below last peak
- Current spell
- 307 days
- Days below latest peak
- Time below peak
- +83%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 96 recovered episodes
- Longest recovery
- 343 days
- Trough to prior peak
17 Feb 2020 – 7 Jul 2020
Trough 23 Mar 2020 · recovered in 106 days
-12.7%
17 Jan 2022 – 26 May 2023
Trough 17 Jun 2022 · recovered in 343 days
-8.5%
26 Sept 2024 – 5 May 2025
Trough 4 Mar 2025 · recovered in 62 days
-7.0%
2 Jan 2026 – open
Trough 2 Apr 2026 · not recovered
-6.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
40
Vs category
64
Consistency
10
Risk-adjusted
48
Drawdown
68
Mean
46
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 37 holdings · top 10 are 77.1%.
- Top 5
- 66.1%
- Top 10
- 77.1%
- Largest holding
- 34.6%
- Effective holdings
- 6.3
GOI Sec 7.18 24/07/2037
Entities
34.6%
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
15.5%
GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100
Entities
8.9%
Reliance Industries Ltd
Energy & Utilities
4.5%
Apollo Hospitals Enterprise Ltd
Healthcare
2.6%
What changed
DECISION
Status moved from MONITOR to HEALTHY.
3 Nov 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HDFC Retirement Fund - Hybrid-Debt Plan
HDFC Mutual Fund
- 1Y
- +1.0%
- 3Y
- +7.1%
- Vol
- 3.6%
- Max DD
- -7.8%
- Sharpe
- 0.86
- 3Y win
- +10%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Axis Retirement Fund - Aggressive Plan
Axis Mutual Fund
- 1Y
- -0.4%
- 3Y
- +12.1%
- Vol
- 12.7%
- Max DD
- -25.9%
- Sharpe
- 0.44
- 3Y win
- +26%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Baroda BNP Paribas Retirement Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +2.7%
- 3Y
- n/a
- Vol
- 11.3%
- Max DD
- -12.4%
- Sharpe
- 0.24
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Lower trailing returns
HDFC Retirement Fund - Equity Plan
HDFC Mutual Fund
- 1Y
- -3.7%
- 3Y
- +10.8%
- Vol
- 14.0%
- Max DD
- -34.9%
- Sharpe
- 0.83
- 3Y win
- +86%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
HDFC Retirement Fund - Hybrid-Equity Plan
HDFC Mutual Fund
- 1Y
- -4.4%
- 3Y
- +8.3%
- Vol
- 10.8%
- Max DD
- -27.5%
- Sharpe
- 0.80
- 3Y win
- +84%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown