Axis Retirement Savings Fund - Dynamic Plan Regular Growth
HybridRetirementHigh Risk
Regular
NAV (18-Jun-25)
₹19.49-0.20%1D
Returns (Since Inception)
12.91%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹332 Cr
Expense Ratio
2.43%
ISIN
INF846K01T44
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
20 Dec 2019
About this fund
Axis Retirement Savings Fund - Dynamic Plan Regular Growth is a Retirement mutual fund schemes offered by Axis Mutual Fund. This fund has been in existence for 5 years, 5 months and 30 days, having been launched on 20-Dec-19.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹19.49, Assets Under Management (AUM) of 332.28 Crores, and an expense ratio of 2.43%.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹19.49, Assets Under Management (AUM) of 332.28 Crores, and an expense ratio of 2.43%.
- Axis Retirement Savings Fund - Dynamic Plan Regular Growth has given a CAGR return of 12.91% since inception.
- The fund's asset allocation comprises around 87.44% in equities, 10.52% in debts, and 2.04% in cash & cash equivalents.
- You can start investing in Axis Retirement Savings Fund - Dynamic Plan Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+5.58%
— (Cat Avg.)
3 Years
+17.64%
— (Cat Avg.)
5 Years
+15.65%
— (Cat Avg.)
Since Inception
+12.91%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹290.54 Cr | 87.44% |
| Debt | ₹34.96 Cr | 10.52% |
| Others | ₹6.78 Cr | 2.04% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| ICICI Bank Ltd | Equity | ₹21.37 Cr | 6.43% |
| HDFC Bank Ltd | Equity | ₹20.14 Cr | 6.06% |
| Reliance Industries Ltd | Equity | ₹16.48 Cr | 4.96% |
| 7.3% Govt Stock 2053 | Bond - Gov't/Treasury | ₹15.9 Cr | 4.79% |
| Infosys Ltd | Equity | ₹11.96 Cr | 3.60% |
| Bajaj Finance Ltd | Equity | ₹10.05 Cr | 3.02% |
| 7.25% Govt Stock 2063 | Bond - Gov't/Treasury | ₹8.41 Cr | 2.53% |
| Pidilite Industries Ltd | Equity | ₹8.31 Cr | 2.50% |
| Larsen & Toubro Ltd | Equity | ₹8.3 Cr | 2.50% |
| Bharti Airtel Ltd | Equity | ₹8.27 Cr | 2.49% |
| State Bank of India | Equity | ₹7.23 Cr | 2.18% |
| Mahindra & Mahindra Ltd | Equity | ₹6.87 Cr | 2.07% |
| Tata Consultancy Services Ltd | Equity | ₹6.16 Cr | 1.86% |
| Torrent Power Ltd | Equity | ₹5.71 Cr | 1.72% |
| Clearing Corporation Of India Ltd | Cash - Repurchase Agreement | ₹5.51 Cr | 1.66% |
| 7.18% Govt Stock 2037 | Bond - Gov't/Treasury | ₹5.33 Cr | 1.60% |
| 7.34% Govt Stock 2064 | Bond - Gov't/Treasury | ₹5.32 Cr | 1.60% |
| Fortis Healthcare Ltd | Equity | ₹5.3 Cr | 1.59% |
| Vijaya Diagnostic Centre Ltd | Equity | ₹4.42 Cr | 1.33% |
| PNB Housing Finance Ltd | Equity | ₹4.23 Cr | 1.27% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹4.21 Cr | 1.27% |
| HDFC Life Insurance Co Ltd | Equity | ₹4.21 Cr | 1.27% |
| Indian Bank | Equity | ₹4 Cr | 1.20% |
| Info Edge (India) Ltd | Equity | ₹3.74 Cr | 1.13% |
| DLF Ltd | Equity | ₹3.65 Cr | 1.10% |
| GE Vernova T&D India Ltd | Equity | ₹3.64 Cr | 1.10% |
| Bharat Electronics Ltd | Equity | ₹3.47 Cr | 1.04% |
| Cipla Ltd | Equity | ₹3.47 Cr | 1.04% |
| Minda Corp Ltd | Equity | ₹3.31 Cr | 1.00% |
| Kaynes Technology India Ltd | Equity | ₹3.17 Cr | 0.95% |
| Jyoti CNC Automation Ltd | Equity | ₹3.05 Cr | 0.92% |
| Apar Industries Ltd | Equity | ₹3 Cr | 0.90% |
| Mankind Pharma Ltd | Equity | ₹2.94 Cr | 0.88% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹2.88 Cr | 0.87% |
| PI Industries Ltd | Equity | ₹2.84 Cr | 0.86% |
| eClerx Services Ltd | Equity | ₹2.76 Cr | 0.83% |
| Apollo Hospitals Enterprise Ltd | Equity | ₹2.72 Cr | 0.82% |
| Awfis Space Solutions Ltd | Equity | ₹2.72 Cr | 0.82% |
| Bharat Petroleum Corp Ltd | Equity | ₹2.67 Cr | 0.80% |
| Varun Beverages Ltd | Equity | ₹2.59 Cr | 0.78% |
| United Spirits Ltd | Equity | ₹2.53 Cr | 0.76% |
| Anant Raj Ltd | Equity | ₹2.53 Cr | 0.76% |
| Suzlon Energy Ltd | Equity | ₹2.52 Cr | 0.76% |
| V-Guard Industries Ltd | Equity | ₹2.5 Cr | 0.75% |
| JK Cement Ltd | Equity | ₹2.47 Cr | 0.74% |
| SBI Life Insurance Co Ltd | Equity | ₹2.45 Cr | 0.74% |
| PG Electroplast Ltd | Equity | ₹2.39 Cr | 0.72% |
| Sundaram Finance Ltd | Equity | ₹2.38 Cr | 0.72% |
| Abbott India Ltd | Equity | ₹2.34 Cr | 0.70% |
| Brigade Enterprises Ltd | Equity | ₹2.3 Cr | 0.69% |
| Tata Motors Ltd | Equity | ₹2.3 Cr | 0.69% |
| SBFC Finance Ltd | Equity | ₹2.2 Cr | 0.66% |
| Ajanta Pharma Ltd | Equity | ₹2.16 Cr | 0.65% |
| Bank of Baroda | Equity | ₹2.15 Cr | 0.65% |
| Eternal Ltd | Equity | ₹2.13 Cr | 0.64% |
| Premier Energies Ltd | Equity | ₹2.07 Cr | 0.62% |
| ICICI Prudential Life Insurance Co Ltd | Equity | ₹2.01 Cr | 0.61% |
| DOMS Industries Ltd | Equity | ₹1.98 Cr | 0.60% |
| Arvind Fashions Ltd | Equity | ₹1.97 Cr | 0.59% |
| Sona BLW Precision Forgings Ltd | Equity | ₹1.97 Cr | 0.59% |
| Samvardhana Motherson International Ltd | Equity | ₹1.93 Cr | 0.58% |
| Avenue Supermarts Ltd | Equity | ₹1.87 Cr | 0.56% |
| Hindustan Unilever Ltd | Equity | ₹1.83 Cr | 0.55% |
| Sansera Engineering Ltd | Equity | ₹1.69 Cr | 0.51% |
| Can Fin Homes Ltd | Equity | ₹1.64 Cr | 0.49% |
| REC Ltd | Equity | ₹1.6 Cr | 0.48% |
| Zydus Lifesciences Ltd | Equity | ₹1.53 Cr | 0.46% |
| Dixon Technologies (India) Ltd | Equity | ₹1.49 Cr | 0.45% |
| CG Power & Industrial Solutions Ltd | Equity | ₹1.44 Cr | 0.43% |
| Oil & Natural Gas Corp Ltd | Equity | ₹1.41 Cr | 0.42% |
| Hindalco Industries Ltd | Equity | ₹1.4 Cr | 0.42% |
| Power Grid Corp Of India Ltd | Equity | ₹1.4 Cr | 0.42% |
| Jyothy Labs Ltd | Equity | ₹1.36 Cr | 0.41% |
| Coforge Ltd | Equity | ₹1.33 Cr | 0.40% |
| UNO Minda Ltd | Equity | ₹1.29 Cr | 0.39% |
| Kotak Mahindra Bank Ltd | Equity | ₹1.28 Cr | 0.38% |
| Net Receivables / (Payables) | Cash - Collateral | ₹1.27 Cr | 0.38% |
| Coal India Ltd | Equity | ₹1.23 Cr | 0.37% |
| Phoenix Mills Ltd | Equity | ₹1.19 Cr | 0.36% |
| Jupiter Life Line Hospitals Ltd | Equity | ₹1.15 Cr | 0.35% |
| Techno Electric & Engineering Co Ltd | Equity | ₹1.03 Cr | 0.31% |
| NTPC Ltd | Equity | ₹0.97 Cr | 0.29% |
| Mphasis Ltd | Equity | ₹0.9 Cr | 0.27% |
| Voltamp Transformers Ltd | Equity | ₹0.86 Cr | 0.26% |
| Schaeffler India Ltd | Equity | ₹0.84 Cr | 0.25% |
| Hyundai Motor India Ltd | Equity | ₹0.76 Cr | 0.23% |
| ITC Ltd | Equity | ₹0.75 Cr | 0.23% |
| RHI Magnesita India Ltd | Equity | ₹0.69 Cr | 0.21% |
| Titagarh Rail Systems Ltd | Equity | ₹0.35 Cr | 0.10% |
| Nestle India Ltd | Equity | ₹0.13 Cr | 0.04% |
| RITES Ltd Ordinary Shares | Equity | ₹0 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
56.92%
Mid Cap Stocks
16.93%
Small Cap Stocks
13.59%
Allocation By Credit Quality (Debt)
UNRATED
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹89.81 Cr | 27.03% |
| Industrials | ₹38.72 Cr | 11.65% |
| Healthcare | ₹30.23 Cr | 9.10% |
| Technology | ₹29.07 Cr | 8.75% |
| Consumer Cyclical | ₹25.07 Cr | 7.54% |
| Energy | ₹21.79 Cr | 6.56% |
| Basic Materials | ₹15.03 Cr | 4.52% |
| Communication Services | ₹12.01 Cr | 3.61% |
| Consumer Defensive | ₹11.07 Cr | 3.33% |
| Real Estate | ₹9.66 Cr | 2.91% |
| Utilities | ₹8.08 Cr | 2.43% |
Risk & Performance Ratios
Standard Deviation
This fund
12.63%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.74
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Devang Shah
Since April 2024
Hardik Shah
Since April 2024
Jayesh Sundar
Since January 2024
KN
Krishnaa N
Since March 2024
Additional Scheme Detailsas of 31st May 2025
ISIN | INF846K01T44 | Expense Ratio | 2.43% | Exit Load | No Charges | Fund Size | ₹332 Cr | Age | 5 years 5 months | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Hybrid 35+65 - Agg TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Baroda BNP Paribas Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹381.68 Cr | 6.2% |
| Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk | 0.5% | 0.0% | ₹381.68 Cr | 8.3% |
| PGIM India Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹84.45 Cr | 10.3% |
| PGIM India Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹84.45 Cr | 8.6% |
| Bandhan Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹180.46 Cr | 4.2% |
| Bandhan Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹180.46 Cr | 5.9% |
| Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk | 1.0% | 0.0% | ₹156.73 Cr | 8.1% |
| Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk | 2.1% | 0.0% | ₹156.73 Cr | 6.9% |
| Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk | 1.9% | 0.0% | ₹3189.62 Cr | 1.5% |
| Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk | 1.0% | 0.0% | ₹3189.62 Cr | 2.5% |
About the AMC
Total AUM
₹3,22,563 Cr
Address
Axis House, 1st Floor, C-2, Wadia International Centre, Mumbai, 400 025
Other Funds by Axis Mutual Fund
Risk Level
Your principal amount will be at High Risk
Unlock Expert Insights!
Related Articles
Still got questions?
We're here to help.
What is the current NAV of Axis Retirement Savings Fund - Dynamic Plan Regular Growth?
The NAV of Axis Retirement Savings Fund - Dynamic Plan Regular Growth, as of 18-Jun-2025, is ₹19.49.
What are the returns of Axis Retirement Savings Fund - Dynamic Plan Regular Growth?
The fund has generated 5.58% over the last 1 year and 17.64% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of Axis Retirement Savings Fund - Dynamic Plan Regular Growth?
The fund's allocation of assets is distributed as 87.44% in equities, 10.52% in bonds, and 2.04% in cash and cash equivalents.
Who manages the Axis Retirement Savings Fund - Dynamic Plan Regular Growth?
The fund managers responsible for Axis Retirement Savings Fund - Dynamic Plan Regular Growth are:-
- Devang Shah
- Hardik Shah
- Jayesh Sundar
- Krishnaa N
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
©2021-2022 Dezerv. All Rights Reserved
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.