Axis Retirement Savings Fund - Conservative Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 24
Rating
Growth Option 04-12-2025
NAV ₹16.26(R) +0.02% ₹17.84(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 3.86% 9.4% 7.74% -% -%
Direct 5.11% 10.92% 9.38% -% -%
Nifty 500 TRI 3.82% 15.22% 17.88% 15.87% 14.96%
SIP (XIRR) Regular 6.48% 8.81% 7.23% -% -%
Direct 7.7% 10.25% 8.73% -% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.56 0.26 0.55 2.4% 0.08
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
5.97% -6.9% -6.75% 0.4 4.37%
Fund AUM As on: 30/06/2025 61 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Union Retirement Fund 4
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Icici Prudential Retirement Fund - Hybrid Conservative Plan 6

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
Axis Retirement Savings Fund - Conservative Plan - Regular Growth 16.26
0.0000
0.0200%
Axis Retirement Savings Fund - Conservative Plan - Regular Plan - IDCW 16.26
0.0000
0.0200%
Axis Retirement Savings Fund - Conservative Plan - Direct Plan - IDCW 17.64
0.0100
0.0300%
Axis Retirement Savings Fund - Conservative Plan - Direct Growth 17.84
0.0100
0.0300%

Review Date: 04-12-2025

Beginning of Analysis

In the Retirement Fund category, Axis Retirement Savings Fund - Conservative Plan is the 26th ranked fund. The category has total 26 funds. The 1 star rating shows a very poor past performance of the Axis Retirement Savings Fund - Conservative Plan in Retirement Fund. The fund has a Jensen Alpha of 2.4% which is lower than the category average of 3.01%, showing poor performance. The fund has a Sharpe Ratio of 0.56 which is lower than the category average of 0.77.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Axis Retirement Savings Fund - Conservative Plan Return Analysis

The Axis Retirement Savings Fund - Conservative Plan has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of 1.03%, 3.16 and 2.26 in last one, three and six months respectively. In the same period the category average return was 0.16%, 2.59% and 3.25% respectively.
  • Axis Retirement Savings Fund - Conservative Plan has given a return of 5.11% in last one year. In the same period the Nifty 500 TRI return was 3.82%. The fund has given 1.29% more return than the benchmark return.
  • The fund has given a return of 10.92% in last three years and rank 17th out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.22%. The fund has given 4.3% less return than the benchmark return.
  • Axis Retirement Savings Fund - Conservative Plan has given a return of 9.38% in last five years and category average returns is 13.13% in same period. The fund ranked 15th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 17.88%. The fund has given 8.5% less return than the benchmark return.
  • The fund has given a SIP return of 7.7% in last one year whereas category average SIP return is 9.57%. The fund one year return rank in the category is 18th in 29 funds
  • The fund has SIP return of 10.25% in last three years and ranks 17th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (24.11%) in the category in last three years.
  • The fund has SIP return of 8.73% in last five years whereas category average SIP return is 11.76%.

Axis Retirement Savings Fund - Conservative Plan Risk Analysis

  • The fund has a standard deviation of 5.97 and semi deviation of 4.37. The category average standard deviation is 8.1 and semi deviation is 5.99.
  • The fund has a Value at Risk (VaR) of -6.9 and a maximum drawdown of -6.75. The category average VaR is -9.67 and the maximum drawdown is -9.97. The fund has a beta of 0.4 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.95 0.33
    0.06
    		-1.56 | 0.95 1 | 29 Very Good
    3M Return % 2.90 4.18
    2.30
    		-1.16 | 4.96 11 | 29 Good
    6M Return % 1.70 4.72
    2.67
    		-0.85 | 8.07 18 | 29 Average
    1Y Return % 3.86 3.82
    3.24
    		-2.35 | 9.18 12 | 29 Good
    3Y Return % 9.40 15.22
    12.10
    		5.32 | 22.97 18 | 26 Average
    5Y Return % 7.74 17.88
    11.73
    		3.76 | 24.74 16 | 21 Average
    1Y SIP Return % 6.48
    8.32
    		2.69 | 19.96 19 | 29 Average
    3Y SIP Return % 8.81
    11.14
    		5.27 | 22.37 18 | 26 Average
    5Y SIP Return % 7.23
    10.42
    		4.02 | 21.43 15 | 21 Average
    Standard Deviation 5.97
    8.10
    		1.10 | 14.70 12 | 26 Good
    Semi Deviation 4.37
    5.99
    		0.79 | 10.76 12 | 26 Good
    Max Drawdown % -6.75
    -9.97
    		-19.00 | -0.42 12 | 26 Good
    VaR 1 Y % -6.90
    -9.67
    		-20.07 | 0.00 12 | 26 Good
    Average Drawdown % -2.30
    -4.41
    		-10.34 | -0.15 9 | 26 Good
    Sharpe Ratio 0.56
    0.77
    		-0.08 | 1.16 25 | 26 Poor
    Sterling Ratio 0.55
    0.64
    		0.48 | 0.89 20 | 26 Average
    Sortino Ratio 0.26
    0.37
    		-0.03 | 0.59 24 | 26 Poor
    Jensen Alpha % 2.40
    3.01
    		-0.62 | 6.00 16 | 26 Average
    Treynor Ratio 0.08
    0.12
    		-0.02 | 0.28 24 | 26 Poor
    Modigliani Square Measure % 19.87
    25.31
    		14.74 | 72.17 16 | 26 Average
    Alpha % -6.03
    -2.81
    		-8.18 | 6.99 22 | 26 Poor
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.03 0.33 0.16 -1.44 | 1.04 2 | 29 Very Good
    3M Return % 3.16 4.18 2.59 -0.81 | 5.33 12 | 29 Good
    6M Return % 2.26 4.72 3.25 -0.30 | 8.81 18 | 29 Average
    1Y Return % 5.11 3.82 4.43 -1.22 | 10.64 13 | 29 Good
    3Y Return % 10.92 15.22 13.39 6.53 | 24.66 17 | 26 Average
    5Y Return % 9.38 17.88 13.13 5.03 | 26.45 15 | 21 Average
    1Y SIP Return % 7.70 9.57 3.84 | 21.60 18 | 29 Average
    3Y SIP Return % 10.25 12.42 6.44 | 24.11 17 | 26 Average
    5Y SIP Return % 8.73 11.76 5.22 | 23.12 15 | 21 Average
    Standard Deviation 5.97 8.10 1.10 | 14.70 12 | 26 Good
    Semi Deviation 4.37 5.99 0.79 | 10.76 12 | 26 Good
    Max Drawdown % -6.75 -9.97 -19.00 | -0.42 12 | 26 Good
    VaR 1 Y % -6.90 -9.67 -20.07 | 0.00 12 | 26 Good
    Average Drawdown % -2.30 -4.41 -10.34 | -0.15 9 | 26 Good
    Sharpe Ratio 0.56 0.77 -0.08 | 1.16 25 | 26 Poor
    Sterling Ratio 0.55 0.64 0.48 | 0.89 20 | 26 Average
    Sortino Ratio 0.26 0.37 -0.03 | 0.59 24 | 26 Poor
    Jensen Alpha % 2.40 3.01 -0.62 | 6.00 16 | 26 Average
    Treynor Ratio 0.08 0.12 -0.02 | 0.28 24 | 26 Poor
    Modigliani Square Measure % 19.87 25.31 14.74 | 72.17 16 | 26 Average
    Alpha % -6.03 -2.81 -8.18 | 6.99 22 | 26 Poor
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Axis Retirement Savings Fund - Conservative Plan NAV Regular Growth Axis Retirement Savings Fund - Conservative Plan NAV Direct Growth
    04-12-2025 16.2572 17.8379
    03-12-2025 16.2177 17.7941
    02-12-2025 16.2532 17.8326
    01-12-2025 16.2658 17.846
    28-11-2025 16.2864 17.8672
    27-11-2025 16.3054 17.8876
    26-11-2025 16.32 17.9032
    25-11-2025 16.2514 17.8275
    24-11-2025 16.2292 17.8026
    21-11-2025 16.2444 17.818
    20-11-2025 16.2619 17.8367
    19-11-2025 16.2435 17.816
    18-11-2025 16.1834 17.7497
    17-11-2025 16.198 17.7653
    14-11-2025 16.1659 17.7286
    13-11-2025 16.1776 17.7409
    12-11-2025 16.1984 17.7633
    11-11-2025 16.1598 17.7205
    10-11-2025 16.1273 17.6844
    07-11-2025 16.0936 17.646
    06-11-2025 16.1161 17.6701
    04-11-2025 16.1035 17.6554

    Fund Launch Date: 20/Dec/2019
    Fund Category: Retirement Fund
    Investment Objective: The investment objective of the Investment Plan(s) under the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity, debt and other instruments to help investors meet their retirement goals. However, there can be no assurance that the investment objective of the Scheme will be achieved. To generate regular income through investments predominantly in debt and money market instruments and to generate long term capital appreciation by investing certain portion of the porolio in equity and equity related securities. The Investment Plan may also invest in units of Gold ETF or units of REITs & InvITs for income generation / wealth creation.
    Fund Description: An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier )
    Fund Benchmark: NIFTY 50 Hybrid Short Duration Debt 25:75 Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.