HealthyDirect · GrowthFit for a long SIP
Axis Retirement Fund - Dynamic Plan
Axis Mutual FundSolution Oriented Schemes ** - Retirement Fund6.9 years
- NAV
- 21.63
- 4 Nov 2026
- 1Y
- -1.9%
- Trailing CAGR
- AUM
- ₹268.84 Cr
- 30 Sept 2026
- Volatility
- Medium
- 11.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 4 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 · The fund beat the category median in 94% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
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
1.34% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -17.1%. Ask whether you can hold through a similar fall.
Vs category
Pass
94% 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
Pass
Top 10 holdings ≈ 43.0% 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-1.9%
- 3Y+12.4%
- 5Y+7.6%
- 10Yn/a
- SI+11.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.8%
- 3Y+4.7%
- 5Y+9.1%
- 10Yn/a
- Since inception
- +11.9%
- Calendar-day CAGR
- Excess 1Y
- +0.3%
- Category median, same plan and option
- 3Y win rate
- +94%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +4.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +8.7%
- 958 daily-ending windows
- Median rolling 3Y
- +14.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 466 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -17.1%
- Worst peak-to-trough
- Current
- -3.6%
- Below last peak
- Current spell
- 768 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 16 days
- 61 recovered episodes
- Longest recovery
- 384 days
- Trough to prior peak
16 Nov 2021 – 6 Jul 2023
Trough 17 Jun 2022 · recovered in 384 days
-17.1%
13 Feb 2020 – 3 Nov 2020
Trough 23 Mar 2020 · recovered in 225 days
-17.0%
27 Sept 2024 – open
Trough 28 Feb 2025 · not recovered
-15.7%
11 Jan 2021 – 8 Feb 2021
Trough 29 Jan 2021 · recovered in 10 days
-5.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
52
Consistency
69
Risk-adjusted
52
Drawdown
57
Mean
66
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
- The fund beat the category median in 94% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 97 holdings · top 10 are 43.0%.
- Top 5
- 30.8%
- Top 10
- 43.0%
- Largest holding
- 9.9%
- Effective holdings
- 34.1
Others CBLO
Unspecified
9.9%
ICICI Bank Ltd
Financial
5.4%
GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100
Entities
5.4%
Reliance Industries Ltd
Energy & Utilities
5.1%
HDFC Bank Ltd
Financial
5.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Baroda BNP Paribas Retirement Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +1.3%
- 3Y
- n/a
- Vol
- 11.3%
- Max DD
- -12.4%
- Sharpe
- 0.19
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Axis Retirement Fund - Conservative Plan
Axis Mutual Fund
- 1Y
- -0.7%
- 3Y
- +7.7%
- Vol
- 6.4%
- Max DD
- -12.7%
- Sharpe
- 0.43
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
HDFC Retirement Fund - Hybrid-Debt Plan
HDFC Mutual Fund
- 1Y
- +0.2%
- 3Y
- +6.9%
- Vol
- 3.5%
- Max DD
- -7.8%
- Sharpe
- 0.84
- 3Y win
- +10%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
HDFC Retirement Fund - Hybrid-Equity Plan
HDFC Mutual Fund
- 1Y
- -5.8%
- 3Y
- +7.8%
- Vol
- 10.8%
- Max DD
- -27.5%
- Sharpe
- 0.78
- 3Y win
- +84%
- Lower volatility
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Axis Retirement Fund - Aggressive Plan
Axis Mutual Fund
- 1Y
- -2.0%
- 3Y
- +11.5%
- Vol
- 12.7%
- Max DD
- -25.9%
- Sharpe
- 0.42
- 3Y win
- +26%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns