MF Gyan
otherLow risk7 years oldCooling recently (last 6m ≈ 0% p.a.)

Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option

A specialised fund. Check the scheme details for what it invests in. From Axis Mutual Fund. It's been running since 27 Dec 2019.

Latest price per unit
₹17.5812
▲ 0.00% today
As of 4 Sep 2026 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹1.02 L
▲ ₹1.7k gain · 1.7% / year
Invested 3 years ago
₹1.27 L
▲ ₹26.5k gain · 8.2% / year
Invested 5 years ago
₹1.37 L
▲ ₹37.4k gain · 6.6% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹1.80 L
Value today₹1.91 L
Gain / loss+₹10.8k
XIRR (annualised)4.00%
Looking forward · hypothetical
You would invest₹1.80 L
Would become*₹1.92 L
Projected gain*+₹11.5k
*at this fund's historical rate of 4.00% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 8 other funds in Solution Oriented Schemes ** - Retirement Fund

Same plan
1-year return
1.68%median -1.83% (+3.51%)
Rank #4 of 9Beats 63% of peers
3-year return
8.16%median 9.79% (-1.62%)
Rank #6 of 9Beats 38% of peers
5-year return
6.56%median 7.67% (-1.11%)
Rank #7 of 9Beats 25% of peers
Bumpiness (3Y)
5.51%median 11.77% (-6.26%)
Rank #2 of 9Less risky than 88% of peers
Worst-ever drop
-12.73%median -17.45% (+4.72%)
Rank #8 of 9Less risky than 13% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 5 of last 7 years were positive.

+16%
2020
+14%
2021
-3%
2022
+15%
2023
+13%
2024
+6%
2025
-2%
2026
Best year
2020 · 15.75%
Worst year
2022 · -3.04%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
5.5%

The value swings roughly 6% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
-12.73%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option against other other funds.

Technical details (for the pros)
CAGR — 1 year1.68%
CAGR — 3 years8.16%
CAGR — 5 years6.56%
CAGR — since launch8.78%
Volatility — 1 year (annualised)5.82%
Volatility — 3 years (annualised)5.51%
Max drawdown — 1 year-6.17%
Max drawdown — 3 years-7.00%
Sharpe ratio — 1 year (rf=6%)-0.74
Sharpe ratio — 3 years (rf=6%)0.38

Fund info

Fund house
Axis Mutual Fund
Category
Solution Oriented Schemes ** - Retirement Fund
Plan
Direct
Option
Growth
ISIN (Growth)
INF846K01T69
ISIN (Div re-invest)
—
Fund code
147830
First price on record
27 Dec 2019 · 1,629 daily prices

About Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option

Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option is a Solution Oriented Schemes ** - Retirement Fund offered by Axis Mutual Fund under the Direct plan with the Growth option. It has approximately 7 years of NAV track record. The fund falls in the other category — A specialised fund. Check the scheme details for what it invests in.

The current NAV of Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option is ₹17.5812 (as of 4 Sep 2026). Historically, it has delivered 1.68% over the last year, 8.16% CAGR over 3 years, 6.56% CAGR over 5 years. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 5.5% annualised volatility — a "low" level of bumpiness; its deepest peak-to-trough fall on record was 12.7%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option?+

The latest NAV of Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option is ₹17.5812 as of 4 Sep 2026, up 0.00% from the previous day. NAV is updated once a business day after the market close.

What are the returns of Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option?+

Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option has delivered 1-year return 1.68%, 3-year CAGR 8.16%, 5-year CAGR 6.56%, since-inception CAGR 8.78%. Returns are historical and don't predict future performance — markets move in cycles.

What category does Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option belong to?+

Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option is categorised as Solution Oriented Schemes ** - Retirement Fund. A specialised fund. Check the scheme details for what it invests in.

How risky is Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option?+

Based on its 3-year annualised volatility of 5.5%, Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option sits in the "low" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option a direct plan?+

Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option is a Direct plan (no distributor commission — lower expense ratio) with the Growth option (all returns compound within the fund, no interim payouts).

How old is Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option?+

Axis Retirement Fund - Conservative Plan - Direct Plan - Growth Option has NAV history available from 27 Dec 2019 — approximately 7 years of track record and 1,629 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.