Axis Retirement Savings Fund

Steady income assures a peaceful retired life, and saving a corpus for this purpose requires patience and diligence. The Axis Retirement Savings Fund is an open mutual fund that will help you save that corpus by investing in a combination of equity, debt, and other securities.

Investment Plans
  • Guaranteed Tax Savings

    Under sec 80C & 10(10D)
  • ₹1 Crore

    Invest ₹10k per month*
  • Zero LTCG Tax

Top performing plans˜ with High Returns**

Invest ₹10K/month & Get ₹1 Crore returns*

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Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹9,928

NAV

117.43

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 30.5 21.92 18.46 %

Instant tax receipt
AUM (Cr)

₹3,248

NAV

70.81

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.48 17.07 14.98 %

Instant tax receipt
AUM (Cr)

₹2,675

NAV

73.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.63 17.02 14.75 %

Instant tax receipt
AUM (Cr)

₹37,289

NAV

78.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.67 15.41 14.54 %

Instant tax receipt
AUM (Cr)

₹5,888

NAV

82.69

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.06 13.19 14.43 %

Instant tax receipt
AUM (Cr)

₹3,581

NAV

41.83

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.62 13.84 14.15 %

Instant tax receipt
AUM (Cr)

₹4,348

NAV

69.55

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.61 15.55 13.99 %

Instant tax receipt
AUM (Cr)

₹440

NAV

68.66

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.37 14.09 13.73 %

Instant tax receipt
AUM (Cr)

₹7,420

NAV

155.42

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.69 14.09 13.49 %

Instant tax receipt
AUM (Cr)

₹101

NAV

57.6

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.71 15.68 13.37 %

Instant tax receipt
AUM (Cr)

₹3,248

NAV

70.81

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.48 17.07 14.98 %

AUM (Cr)

₹2,675

NAV

73.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.63 17.02 14.75 %

AUM (Cr)

₹3,581

NAV

41.83

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.62 13.84 14.15 %

AUM (Cr)

₹4,348

NAV

69.55

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.61 15.55 13.99 %

AUM (Cr)

₹440

NAV

68.66

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.37 14.09 13.73 %

AUM (Cr)

₹7,420

NAV

155.42

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.69 14.09 13.49 %

AUM (Cr)

₹101

NAV

57.6

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.71 15.68 13.37 %

AUM (Cr)

₹242

NAV

49.99

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.21 15.54 13.34 %

AUM (Cr)

₹2,995

NAV

71.08

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.86 14.04 13.13 %

AUM (Cr)

₹13,357

NAV

82.68

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.9 13.41 12.61 %

AUM (Cr)

₹9,928

NAV

117.43

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 30.5 21.92 18.46 %

AUM (Cr)

₹37,289

NAV

78.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.67 15.41 14.54 %

AUM (Cr)

₹5,888

NAV

82.69

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.06 13.19 14.43 %

AUM (Cr)

₹2,323

NAV

180.27

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 30.5 22.2 19.2 %

AUM (Cr)

₹986

NAV

74.44

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.91 15.14 14.3 %

AUM (Cr)

₹13,638

NAV

69.2

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.36 14.02 12.85 %

AUM (Cr)

₹3,368

NAV

59.88

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.69 13.77 12.35 %

AUM (Cr)

₹1,183

NAV

53.94

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.67 13.44 12.16 %

AUM (Cr)

₹539

NAV

58.16

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.84 12.41 11.35 %

AUM (Cr)

₹219

NAV

94.55

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.1 8.55 8.52 %

AUM (Cr)

₹866

NAV

40.69

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.02 8.06 7.91 %

AUM (Cr)

₹501

NAV

38.4

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.79 8.05 7.7 %

AUM (Cr)

₹136

NAV

34.84

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.48 7.64 7.52 %

AUM (Cr)

₹210

NAV

47.38

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.05 7.58 7.39 %

AUM (Cr)

₹75

NAV

40.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.39 7.42 7.37 %

AUM (Cr)

₹94

NAV

38.89

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.45 7.56 7.28 %

AUM (Cr)

₹139

NAV

29.23

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.96 7.08 7.25 %

AUM (Cr)

₹8,009

NAV

32.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.12 7.18 7.24 %

AUM (Cr)

₹19,982

NAV

49.74

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.53 7.37 7.22 %

AUM (Cr)

₹878

NAV

98.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.75 16.62 15.19 %

AUM (Cr)

₹369

NAV

48.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.25 11.5 10.62 %

AUM (Cr)

₹503

NAV

103.62

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.91 10.39 9.96 %

AUM (Cr)

₹65

NAV

60.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.36 9.92 9.93 %

AUM (Cr)

₹5,893

NAV

40.03

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.46 10.32 9.87 %

AUM (Cr)

₹858

NAV

39.51

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.35 10.43 9.77 %

AUM (Cr)

₹297

NAV

31.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.14 9.73 9.71 %

AUM (Cr)

₹7,999

NAV

111.06

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.92 10.49 9.68 %

AUM (Cr)

₹19

NAV

33.92

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.73 10.14 9.46 %

AUM (Cr)

₹2,021

NAV

43.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.6 9.82 9.45 %

AUM (Cr)

₹7,420

NAV

155.42

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.69 14.09 13.49 %

AUM (Cr)

₹1,296

NAV

79.24

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.6 13.59 13.34 %

AUM (Cr)

₹2,995

NAV

71.08

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.86 14.04 13.13 %

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Fund in Brief

The Axis Retirement Savings Fund has been in the market for over two years, managed by the Axis Mutual Fund. To maintain a balance between returns and safety, the fund invests 20%-100% of your money in equity shares, depending on the plan category and the balance in debt securities, gold ETF, or securities issued by REITs & InvITs.

The fund is an Open-ended Aggressive Hybrid scheme and is offered in three types of plan categories:

  • Axis Retirement Savings Fund Aggressive plan

  • Axis Retirement Savings Fund Conservative plan

  • Axis Retirement Savings Fund Dynamic plan

These are further offered in two plans:

  • Regular Plan

  • Direct Plan

These options are further offered in three plans:

  • Growth option

  • Income Distribution and Cash Withdrawal (IDCW) option

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
High Growth Fund Max Life
Rating
30.5% 21.92%
18.46%
View Plan
Top 200 Fund Tata AIA
Rating
30.5% 22.2%
19.2%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
23.06% 13.19%
14.43%
View Plan
Opportunities Fund HDFC Standard
Rating
24.67% 15.41%
14.54%
View Plan
Growth Plus Fund Canara HSBC Oriental Bank
Rating
16.76% 10.6%
10.54%
View Plan
Growth Opportunities Plus Fund Bharti AXA
Rating
21.91% 15.14%
14.3%
View Plan
Multiplier Birla Sun Life
Rating
25.35% 15.1%
15.29%
View Plan
Equity Top 250 Fund Edelwiess Tokio
Rating
18.84% 12.41%
11.35%
View Plan
Opportunities Fund ICICI Prudential
Rating
21.69% 13.77%
12.35%
View Plan
Flexi Growth Fund LIC
Rating
- -
-
View Plan
Fund rating powered by
Last updated:
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  Returns
Fund Name 3 Years 5 Years 10 Years
Active Fund QUANT 23.92% 31.48%
21.87%
Flexi Cap Fund PARAG PARIKH 20.69% 26.41%
19.28%
Large and Mid-Cap Fund EDELWEISS 22.34% 24.29%
17.94%
Equity Opportunities Fund KOTAK 24.64% 25.01%
19.45%
Large and Midcap Fund MIRAE ASSET 19.74% 24.32%
22.50%
Flexi Cap Fund PGIM INDIA 14.75% 23.39%
-
Flexi Cap Fund DSP 18.41% 22.33%
16.91%
Emerging Equities Fund CANARA ROBECO 20.05% 21.80%
15.92%
Focused fund SUNDARAM 18.27% 18.22%
16.55%

Last updated: June 2025

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Axis Retirement Savings Fund Facts

Name of the Fund House Axis Mutual Fund House
Name of Asset Management Company Axis Asset Management Company Limited
Category of the fund Hybrid
Class of the fund Equity
Launch date December 19, 2019
Benchmark NIFTY 50 Hybrid Composite Debt 70:30 Index
Open/Close Open 
Risk level High
Investment amount Minimum investment = INR 5,000
Entry load Zero
Exit load Zero
Lock-in Period 5 years

Investment Objective

The primary objective of the Axis Retirement Savings Fund is to give long-term wealth creation solutions and income by investing in a mix of debt, equity, and other instruments to assist investors in meeting their retirement goals. 

The fund pursues a philosophy of bottom-up investing in high-quality stocks, thus providing an opportunity for potential capital appreciation of equity and steadiness of debt. The fund’s composition comprises financials, chemicals, consumer staples, consumer discretionary, automobile, and technology. 

The mutual fund house regularly monitors the economic situation and the market outlook to ensure the stable performance of the fund. 

Fund Summary

  1. Axis Retirement Savings Fund - Aggressive Plan - Regular Plan-Growth

    • Risk: Very High

    • Expense Ratio (as of January 31, 2022): 2.28% 

    • Net Asset Value (NAV): INR 12.63 (as of February 28, 2022)

    • Returns: 5.75% (1 year)

    • Compound Annual Growth Rate (CAGR): 11.23% p.a. (since inception)

  2. Axis Retirement Savings Fund - Aggressive Plan - Regular Plan - IDCW

    • Risk: Very High

    • Expense Ratio (as of January 31, 2022): 2.28% 

    • Net Asset Value (NAV): INR 12.64 (as of February 28, 2022)

    • Returns: 5.74% (1 year)

    • Compound Annual Growth Rate (CAGR): 11.27% p.a. (since inception)

  3. Axis Retirement Savings Fund - Aggressive Plan - Direct Plan-Growth

    • Risk: Very High

    • Expense Ratio (as of January 31, 2022): 0.59% 

    • Net Asset Value (NAV): INR 13.12 (as of February 28, 2022)

    • Returns: 7.59% (1 year)

    • Compound Annual Growth Rate (CAGR): 13.17% p.a. (Since inception)

  4. Axis Retirement Savings Fund - Aggressive Plan - Direct Plan - IDCW

    • Risk: Very High

    • Expense Ratio (as of January 31, 2022): 0.59% 

    • Net Asset Value (NAV): INR 13.09 (as of February 28, 2022)

    • Returns: 7.52% (1 year)

    • Compound Annual Growth Rate (CAGR): 13.05% p.a. (Since inception)

  5. Axis Retirement Savings Fund - Dynamic Plan - Regular Plan-Growth

    • Risk: Very High

    • Expense Ratio (as of January 31, 2022): 2.35% 

    • Net Asset Value (NAV): INR 13.11 (as of February 28, 2022)

    • Returns: 8.93% (1 year)

    • Compound Annual Growth Rate (CAGR): 13.13% p.a. (since inception)

  6. Axis Retirement Savings Fund - Dynamic Plan - Regular Plan - IDCW

    • Risk: Very High

    • Expense Ratio (as of January 31, 2022): 2.35% 

    • Net Asset Value (NAV): INR 13.11 (as of February 28, 2022)

    • Returns: 8.93% (1 year)

    • Compound Annual Growth Rate (CAGR): 14.59% p.a. (since inception)

  7. Axis Retirement Savings Fund - Dynamic Plan - Direct Plan-Growth

    • Risk: Very High

    • Expense Ratio (as of January 31, 2022): 0.53% 

    • Net Asset Value (NAV): INR 13.65 (as of February 28, 2022)

    • Returns: 11.00% (1 year)

    • Compound Annual Growth Rate (CAGR): 15.23% p.a. (Since inception)

  8. Axis Retirement Savings Fund - Dynamic Plan - Direct Plan - IDCW

    • Risk: Very High

    • Expense Ratio (as of January 31, 2022): 0.53% 

    • Net Asset Value (NAV): INR 13.53 (as of February 28, 2022)

    • Returns: 10.93% (1 year)

    • Compound Annual Growth Rate (CAGR): 14.77% p.a. (Since inception)

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

    • Risk: High

    • Expense Ratio (as of January 31, 2022): 2.08% 

    • Net Asset Value (NAV): INR 12.4167 (as of February 28, 2022)

    • Returns: 8.07% (1 year)

    • Compound Annual Growth Rate (CAGR): 10.35% p.a. (since inception)

  10. Axis Retirement Savings Fund - Conservative Plan - Regular Plan - IDCW

    • Risk: High

    • Expense Ratio (as of January 31, 2022): 2.08%

    • Net Asset Value (NAV): INR 12.4159 (as of February 28, 2022)

    • Returns: 8.07% (1 year)

    • Compound Annual Growth Rate (CAGR): 10.36% p.a. (since inception)

  11. Axis Retirement Savings Fund - Conservative Plan - Direct Plan-Growth

    • Risk: High

    • Expense Ratio (as of January 31, 2022): 0.39% 

    • Net Asset Value (NAV): INR 12.9045 (as of February 28, 2022)

    • Returns: 9.96% (1 year)

    • Compound Annual Growth Rate (CAGR): 12.32% p.a. (Since inception)

  12. Axis Retirement Savings Fund - Conservative Plan - Direct Plan - IDCW

    • Risk: High

    • Expense Ratio (as of January 31, 2022): 0.39% 

    • Net Asset Value (NAV): INR 12.8108 (as of February 28, 2022)

    • Returns: 9.82% (1 year)

    • Compound Annual Growth Rate (CAGR): 11.95% p.a. (Since inception)

Fund Return Summary

  1. Axis Retirement Savings Fund – Aggressive Plan - Regular plan - Growth

    Tenure   Percentage return
    1 year 5.75%
    2 years 12.25%
    Since inception 11.23%
  2. Axis Retirement Savings Fund – Aggressive Plan - Regular plan - IDCW

    Tenure   Percentage return
    1 year 5.74%
    2 years 12.30%
    Since inception 11.27%
  3. Axis Retirement Savings Fund – Aggressive Plan - Direct plan - Growth

    Tenure   Percentage return
    1 year 5.75%
    2 years 14.18%
    Since inception 11.23%
  4. Axis Retirement Savings Fund – Aggressive Plan - Direct plan - IDCW

    Tenure   Percentage return
    1 year 5.74%
    2 years 14.05%
    Since inception 11.27%
  5. Axis Retirement Savings Fund – Dynamic Plan - Regular plan - Growth

    Tenure   Percentage return
    1 year 8.93%
    2 years 14.59%
    Since inception 13.13%
  6. Axis Retirement Savings Fund – Dynamic Plan - Regular plan - IDCW

    Tenure   Percentage return
    1 year 8.93%
    2 years 14.59%
    Since inception 13.13%
  7. Axis Retirement Savings Fund – Dynamic Plan - Direct plan - Growth

    Tenure   Percentage return
    1 year 11.00%
    2 years 16.75%
    Since inception 15.23%
  8. Axis Retirement Savings Fund – Dynamic Plan - Direct plan - IDCW

    Tenure   Percentage return
    1 year 10.93%
    2 years 16.29%
    Since inception 14.77%
  9. Axis Retirement Savings Fund – Conservative Plan - Regular plan - Growth

    Tenure   Percentage return
    1 year 8.07%
    2 years 10.35%
    Since inception 10.37%
  10. Axis Retirement Savings Fund – Conservative Plan - Regular plan - IDCW

    Tenure   Percentage return
    1 year 8.07%
    2 years 10.35%
    Since inception 10.36%
  11. Axis Retirement Savings Fund – Conservative Plan - Direct plan - Growth

    Tenure   Percentage return
    1 year 9.96%
    2 years 12.28%
    Since inception 12.32%
  12. Axis Retirement Savings Fund – Conservative Plan - Direct plan - IDCW

    Tenure   Percentage return
    1 year 9.82%
    2 years 11.91%
    Since inception 11.95%

    Note: Returns are subject to change. The unitholder bears the risk in the investment portfolio.

Pros and Cons

Pros Cons
Generates higher returns over the long term but lower risk than pure equity-based funds. Not suitable for investment goals < 5 years
The fund provides a higher return than fixed deposits and the inflation rate over 5 years or more. The fund is riskier than fixed deposits and is vulnerable to price volatility.

Benefits of the Axis Retirement Savings Fund

If you wish to invest in this fund, you should know about the following benefits of the Axis Retirement Savings Fund:

  • Dual Benefits: The fund provides a combination of long-term value creation and opportunities to generate income. One should invest in this fund for a period not less than five years, ready to withstand price volatility.

  • Lower Relative Volatility: The NAVs of hybrid funds tend to be less volatile than pure equity funds when the broader stock markets decline because of significant debt allocation. These funds are suitable for investors who prefer conservative equity allocation.

Who Should Invest in the Axis Retirement Savings Fund?

The fund is appropriate for investors who seek:

  • Balanced Asset Allocation: Although the fund falls in the high-risk category and is susceptible to fluctuations in NAV in the short to medium term, it is suited for investors who prefer a balanced asset allocation approach.

  • Twin Benefits: The fund provides twin benefits of long-term capital appreciation and steady income opportunities, making it a great investment option for potential retirees.

FAQ's

  • Should I invest in Axis Retirement Savings Fund through a SIP or as a lump sum?

    Being an equity fund, the NAV of Axis Retirement Savings Fund is expected to display volatility in short to medium term. It is advised that Axis Retirement Savings Fund investment is through a Systematic Investment Plan or SIP. 
    While it helps make your investment affordable and disciplined. However, always consult an expert before making any final purchase.
  • How should I invest in Axis Retirement Savings Fund to fund retirement?

    You should invest in this fund to finance your retirement goal at least five years before your expected retirement date.
  • Who is the fund manager(s) of Axis Retirement Savings Fund?

    The three plans of the Axis Retirement Savings Fund have been managed by Mr. R. Sivakumar, Mr. Jinesh Gopani, and Mr. Hitesh Das since December 20, 2019.
  • How does the fund invest in debt securities?

    The fund invests in a diversified portfolio of high-quality debt and money market instruments to generate regular income. The fund manager allocates the funds after considering the prevailing interest rate and liquidity of different instruments.
    They also keep in mind the general macroeconomic condition, political and financial environment, inflation, and company performances.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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