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Axis Retirement Savings Fund - Conservative Plan - Regular Plan - Growth

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Fund info
NAV (as on 2025-07-18)
16.01 0.00%
AUM (Fund Size)
59
Expense Ratio
2.19%
Exit load
If redeemed/switch out within 12 months from the date of allotment: - For 10% of investment : Nil FIFO basis For remaining investment : 1% w.e.f., 15/06/2015
Risk
Moderately High
AMC
AXIS MUTUAL FUND
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,003.38
0.34 %
Two Week 2025-07-03 ₹1,000.00 ₹998.96
-0.10 %
One Month 2025-06-18 ₹1,000.00 ₹1,008.68
0.87 %
Three Months 2025-04-21 ₹3,000.00 ₹3,016.32
0.54 %
Six Months 2025-01-20 ₹6,000.00 ₹6,162.61
2.71 %
One Year 2024-07-18 ₹12,000.00 ₹12,376.86
3.14 %
Three Year 2022-07-19 ₹36,000.00 ₹41,964.73
16.57 %
Five Year 2020-07-20 ₹60,000.00 ₹74,720.85
24.53 %
Since Inception 2019-12-20 ₹68,000.00 ₹87,149.43
28.16 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 34%
Debt 127%
Others 2%

Sectors Holding in Axis Retirement Savings Fund - Conservative Plan - Regular Plan - Growth

Banks
7%
Petroleum Products
4%
IT - Software
4%
Telecom - Services
2%
Automobiles
4%
Construction
0%
Finance
3%
Transport Infrastructure
2%
Pharmaceuticals & Biotechnology
1%
Fertilizers & Agrochemicals
0%
Retailing
1%
Power
1%
Insurance
1%
Household Products
1%
Healthcare Services
2%
Electrical Equipment
0%
Industrial Manufacturing
0%
Realty
0%
Consumer Durables
0%
Beverages
0%
Chemicals & Petrochemicals
0%
Auto Components
0%
Aerospace & Defense
0%
Commercial Services & Supplies
0%
Non - Ferrous Metals
0%
Personal Products
0%
Oil
0%
Consumable Fuels
0%
Diversified FMCG
1%
Food Products
0%
Other
129%
Leisure Services
0%

Companies Holding in Axis Retirement Savings Fund - Conservative Plan - Regular Plan - Growth

HDFC Bank Limited
2.13%
ICICI Bank Limited
1.82%
Reliance Industries Limited
1.62%
Infosys Limited
1.39%
Bharti Airtel Limited
0.75%
Mahindra & Mahindra Limited
1.09%
State Bank Of India
0.66%
Larsen & Toubro Limited
0.98%
Bajaj Finance Limited
1.49%
Indus Infra Trust
1.65%
Divi's Laboratories Limited
0.35%
PI Industries Limited
0.63%
Tata Consultancy Services Limited
0.45%
FSN E-Commerce Ventures Limited
1.40%
NTPC Limited
0.73%
Bajaj Finserv Limited
0.29%
Cholamandalam Investment And Finance Company Ltd (CCD)
0.61%
Sun Pharmaceutical Industries Limited
0.38%
Sumitomo Chemical India Limited
0.52%
PNB Housing Finance Limited
1.11%
HDFC Life Insurance Company Limited
0.52%
Doms Industries Limited
1.05%
Indian Bank
0.95%
Krishna Institute Of Medical Sciences Limited
0.94%
Premier Energies Limited
0.94%
Apollo Hospitals Enterprise Limited
0.91%
Kotak Mahindra Bank Limited
0.61%
Cipla Limited
0.52%
Mankind Pharma Limited
0.83%
Cholamandalam Investment And Finance Company Ltd
0.62%
Indian Oil Corporation Limited
0.76%
SBI Life Insurance Company Limited
0.76%
Jyoti CNC Automation Ltd
0.76%
Suzlon Energy Limited
0.74%
Brigade Enterprises Limited
0.68%
PG Electroplast Limited
0.64%
Varun Beverages Limited
0.64%
Info Edge (India) Limited
0.64%
Tata Motors Limited
0.30%
DLF Limited
0.61%
Eternal Limited
0.60%
GE Vernova T&D India Limited
0.59%
JB Chemicals & Pharmaceuticals Limited
0.57%
Navin Fluorine International Limited
0.43%
Sansera Engineering Limited
0.14%
Bharat Electronics Limited
0.53%
Capital Infra Trust
0.53%
Awfis Space Solutions Limited
0.52%
Sona BLW Precision Forgings Limited
0.19%
Arvind Fashions Limited
0.48%
Avenue Supermarts Limited
0.47%
Anant Raj Limited
0.46%
REC Limited
0.45%
Pidilite Industries Limited
0.44%
HCL Technologies Limited
0.42%
Hindalco Industries Limited
0.41%
Godrej Consumer Products Limited
0.41%
Zydus Lifesciences Limited
0.41%
Oil & Natural Gas Corporation Limited
0.40%
Fine Organic Industries Limited
0.40%
Dixon Technologies (India) Limited
0.37%
Coal India Limited
0.36%
Bank Of Baroda
0.56%
Embassy Office Parks REIT
0.35%
Hindustan Aeronautics Limited
0.32%
UNO Minda Limited
0.32%
Samvardhana Motherson International Limited
0.32%
Can Fin Homes Limited
0.26%
Mphasis Limited
0.25%
Voltamp Transformers Limited
0.23%
Hindustan Unilever Limited
0.25%
Hyundai Motor India Ltd
0.22%
Aadhar Housing Finance Limited
0.21%
Techno Electric & Engineering Company Limited
0.21%
Clean Science And Technology Limited
0.19%
ITC Limited
0.27%
Schaeffler India Limited
0.10%
Vedant Fashions Limited
0.09%
Titagarh Rail Systems Limited
0.09%
Nestle India Limited
0.04%
Suryoday Small Finance Bank Limited
0.04%
7.25% Government Of India (12/06/2063)
5.58%
8.75% Bharti Telecom Limited (05/11/2029)
1.65%
7.87% Bajaj Finance Limited (08/02/2034)
1.64%
7.60% Poonawalla Fincorp Limited (28/05/2027)
1.59%
9.40% Vedanta Limited (20/02/2027)
1.15%
Bamboo Hotel And Global Centre (Delhi) Private Limited (31/01/2028)
1.78%
9.2% 360 One Prime Limited (05/09/2025)
1.42%
6.83% HDFC Bank Limited (08/01/2031)
0.94%
8.10% Godrej Industries Limited (22/05/2028)
0.65%
8.65% TVS Holdings Limited (07/06/2029)
0.65%
7.8445% Tata Capital Housing Finance Limited (18/09/2026)
0.64%
8.5% DLF Home Developers Limited (30/04/2027)
0.64%
9.95% IndoStar Capital Finance Limited (07/08/2025)
1.77%
7.59% Mahanagar Telephone Nigam Limited (20/07/2033)
0.64%
8.95% Aptus Finance India Private Limited (06/03/2029)
1.76%
7.04% Government Of India (03/06/2029)
0.33%
8.50% Aadhar Housing Finance Limited (26/05/2026)
1.79%
7.99% Tata Projects Limited (06/10/2025)
0.32%
7.25% Punjab National Bank (29/07/2030)
0.32%
7.4% Power Finance Corporation Limited (08/05/2030)
0.20%
7.17% Tamilnadu State Development Loans (27/11/2029)
0.13%
7.92% West Bangal State Development Loans (15/03/2027)
0.13%
7.17% Karnataka State Development Loans (27/11/2029)
0.07%
6.9% Karnataka State Development Loans (17/07/2029)
0.04%
8.16% Karnataka State Development Loans (26/11/2025)
0.03%
National Bank For Agriculture And Rural Development (11/06/2025)
3.17%
Clearing Corporation Of India Ltd
2.89%
Net Receivables / (Payables)
1.62%
ICICI Prudential Life Insurance Company Limited
0.55%
Bharat Petroleum Corporation Limited
0.49%
LTIMindtree Limited
0.42%
Britannia Industries Limited
0.24%
Sundaram Finance Limited
0.06%
Interest Rate Swaps Pay Fix Receive Floating -ICISECPD (25/03/2030) (FV 1500 Lacs)
-0.05%
7.18% Government Of India (14/08/2033)
13.10%
6.79% Government Of India (07/10/2034)
10.99%
7.64% Power Finance Corporation Limited (22/02/2033)
5.58%
6.92% Government Of India (18/11/2039)
5.55%
7.1% Government Of India (08/04/2034)
3.73%
7.40 % National Bank For Agriculture And Rural Development (29/04/2030)
3.64%
8.15% Samvardhana Motherson International Limited (23/01/2026)
3.56%
7.18% Government Of India (24/07/2037)
3.39%
8.50% Muthoot Finance Limited (29/01/2026)
1.78%
8.44% Indian Bank (30/12/2025)
1.77%
6.72% IndiGRID Infrastructure Trust (14/09/2026)
1.77%
7.23% Government Of India (15/04/2039)
1.14%
7.17% Government Of India (08/01/2028)
1.10%
6.19% Government Of India (16/09/2034)
0.07%
91 Days Tbill (MD 26/06/2025)
1.76%
SBI - Corporate Debt Market Development Fund (CDMDF) - Class A2
0.43%
Reliance Industries Limited
3.92%
Infosys Limited
2.50%
Bharti Airtel Limited
2.24%
Mahindra & Mahindra Limited
2.23%
Apollo Hospitals Enterprise Limited
2.16%
HDFC Bank Limited
1.95%
ICICI Bank Limited
1.91%
Hero MotoCorp Limited
1.74%
ITC Limited
1.54%
Life Insurance Corporation Of India
1.53%
Power Grid Corporation Of India Limited
1.52%
State Bank Of India
1.36%
Bajaj Finance Limited
1.33%
HCL Technologies Limited
1.33%
Indus Infra Trust
1.20%
Bank Of Baroda
1.03%
Sun Pharmaceutical Industries Limited
1.00%
Larsen & Toubro Limited
0.99%
Tata Consultancy Services Limited
0.95%
Varun Beverages Limited
0.76%
NTPC Limited
0.75%
Mankind Pharma Limited
0.68%
Cipla Limited
0.68%
Kotak Mahindra Bank Limited
0.67%
JB Chemicals & Pharmaceuticals Limited
0.65%
Sundaram Finance Limited
0.56%
Tech Mahindra Limited
0.56%
Bharat Petroleum Corporation Limited
0.55%
Britannia Industries Limited
0.55%
HDFC Life Insurance Company Limited
0.49%
Hindustan Unilever Limited
0.34%
ITC Hotels Limited
0.08%
Nestle India Limited
0.05%
7.18% Government Of India (24/07/2037)
31.24%
7.34% Government Of India (22/04/2064)
17.34%
7.3% Government Of India (19/06/2053)
8.64%
Clearing Corporation Of India Ltd
1.33%
Net Receivables / (Payables)
1.66%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Risk-O-Meter

Investors understand that their principal will be at
Moderately High

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.19
Expense Ratio Direct
0.91
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Jayesh Sundar
Experience
Nitin Arora
Experience
Devang Shah
Experience
Hardik Shah
Experience
Krishnaa N
Experience
Mr. Jayesh Sundar
21 Experience
Mr. Nitin Arora
13 Experience
Mr. Devang Shah
19 Experience
Mr. Hardik Shah
15 Experience
Ms. Krishnaa N
4 Experience

Exit load

If redeemed/switch out within 12 months from the date of allotment: - For 10% of investment : Nil FIFO basis For remaining investment : 1% w.e.f., 15/06/2015

FAQs

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