Can I invest in SIP and Lumpsum in AXIS Retirement Fund - DP - Direct (IDCW) Direct Growth?

Yes, you can invest both lumpsum and SIP in AXIS Retirement Fund - DP - Direct (IDCW). Minimum lumpsum investment AXIS Retirement Fund - DP - Direct (IDCW) is ₹5,000 and minimum SIP amount is ₹100 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of AXIS Retirement Fund - DP - Direct (IDCW) Direct Growth?

The latest NAV ( Net Asset Value ) of AXIS Retirement Fund - DP - Direct (IDCW) is AXIS Retirement Fund - DP - Direct (IDCW) is ₹20.29 as on 2025-05-08.

Which are the biggest stock holdings of AXIS Retirement Fund - DP - Direct (IDCW)?

The 5 biggest stock holdings of AXIS Retirement Fund - DP - Direct (IDCW) are: ICICI Bank (6.68%), HDFC Bank (6.03%), Reliance Industr (4.93%), Infosys (3.35%), Bajaj Finance (2.86%)

What are the top sectors AXIS Retirement Fund - DP - Direct (IDCW) invests in?

A majority of AXIS Retirement Fund - DP - Direct (IDCW) 's AUM worth ₹330.45 (Cr) is invested in these 3 top sectors: Banks : 16.43% Debt : 14.97% Finance : 7.77%

Mutual Funds
AMC
AXIS Retirement Fund - DP - Direct (IDCW)

AXIS Retirement Fund - DP - Direct (IDCW)

Retirement Fund

Invest Now

NAV
20.29(-0.93%)
Fund Size (CR)
₹325.51
Expense Ratio
1.29
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹100
Minimum Withdrawal
₹0
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
14.24%

Absolute Return: 1.25%

Annualized Return: 0%

Basic Details

Scheme Manager

Jayesh Sundar

Bench Mark

CRISIL Hybrid 35+65 - Aggressive Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	30 April 2025	10004.89	0.05%	-	0.24%	96/106
1 Month	7 April 2025	10705.70	7.06%	-	6.32%	54/106
3 Month	7 February 2025	10088.67	0.89%	-	2.07%	93/106
6 Month	7 November 2024	9706.16	-2.94%	-	-0.44%	77/106
1 Year	7 May 2024	11258.93	12.59%	12.59%	9.44%	6/102
3 Year	6 May 2022	15826.89	58.27%	16.50%	13.95%	24/90
5 Year	7 May 2020	22164.50	121.65%	17.24%	15.37%	28/74
Since Inception	20 December 2019	20480.00	104.80%	14.24%	11.89%	34/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 June 2024	1,20,000	119267.37	-0.61%	-0.61%
3 Year	1 June 2022	3,60,000	450670.96	25.19%	7.78%
5 Year	1 June 2020	6,00,000	852620.18	42.10%	7.28%
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

3.75%

Standard Deviation

0.89%

Beta

0.67%

Sharpe Ratio

0.04%

Treynor's Ratio

3.29%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
ICICI Bank	6.68%	154658	22.07	Equity	Banks
HDFC Bank	6.03%	103545	19.93	Equity	Banks
Reliance Industr	4.93%	116000	16.30	Equity	Refineries
Infosys	3.35%	73799	11.07	Equity	IT - Software
Bajaj Finance	2.86%	10943	9.45	Equity	Finance
Bharti Airtel	2.51%	44557	8.31	Equity	Telecomm-Service
Pidilite Inds.	2.46%	26754	8.12	Equity	Chemicals
Torrent Power	2.18%	46726	7.19	Equity	Power Generation & Distribution
St Bk of India	2.13%	89045	7.02	Equity	Banks
Larsen & Toubro	2.10%	20750	6.93	Equity	Infrastructure Developers & Operators

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
AXIS Retirement Fund - DP - Direct (IDCW)	325.51	7.06%	0.89%	-2.94%	12.59%	16.50%
PGIM India Retirement Fund - Direct (G)	75.87	9.74%	2.65%	-1.28%	14.26%	-
PGIM India Retirement Fund - Direct (IDCW)	75.87	9.74%	2.65%	-1.28%	14.26%	-
Aditya Birla SL Retirement-The 40s Plan-Dir (IDCW)	109.45	7.79%	1.65%	0.31%	12.90%	15.53%
Aditya Birla SL Retirement-The 40s Plan-Dir (G)	109.45	7.79%	1.65%	0.31%	12.90%	15.53%
AXIS Retirement Fund - DP - Direct (G)	325.51	7.14%	0.93%	-2.91%	12.61%	16.60%

List of Schemes under Axis Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
AXIS Banking & PSU Debt Fund	Debt	Moderate	9.22%	4	₹13,313.34
AXIS Gilt Fund	Debt	Moderate	12.55%	4	₹836.04
AXIS Dynamic Bond Fund	Debt	Moderate	11.09%	2	₹1,337.28
AXIS Gold Fund	Other	High	33.16%	5	₹1,032.79
AXIS Liquid Fund	Debt	Moderately Low	7.41%	4	₹39,069.41
AXIS ELSS Tax Saver Fund	Equity	Very High	10.05%	1	₹34,949.86
AXIS Midcap Fund	Equity	Very High	11.09%	2	₹28,809.45
AXIS Short Duration Fund	Debt	Moderate	9.95%	4	₹9,640.47
AXIS Treasury Advantage Fund	Debt	Moderately Low	8.41%	4	₹6,132.90
AXIS Multi Asset Allocation Fund	Hybrid	Very High	12.03%	1	₹1,390.80
AXIS Bluechip Fund	Equity	Very High	9.33%	1	₹33,218.10
AXIS Focused Fund	Equity	Very High	9.58%	1	₹12,665.01
AXIS Strategic Bond Fund	Debt	Moderately High	10.64%	4	₹1,930.40
AXIS Conservative Hybrid Fund	Hybrid	Moderately High	11.26%	2	₹274.92
AXIS Small Cap Fund	Equity	Very High	10.44%	3	₹23,317.93
AXIS Credit Risk Fund	Debt	Moderately High	9.83%	4	₹363.15
AXIS Arbitrage Fund	Hybrid	Low	7.85%	4	₹6,299.25
AXIS Equity Savings Fund	Hybrid	Moderately High	9.89%	2	₹941.62
AXIS Children's Fund - Lock in	Solution Oriented	Very High	13.56%	1	₹885.69
AXIS Children's Fund - Lock in	Solution Oriented	Very High	13.78%	1	₹885.69
AXIS Corporate Bond Fund	Debt	Moderate	10.33%	4	₹6,773.20
AXIS Balanced Advantage Fund	Hybrid	Very High	15.59%	3	₹2,935.36
AXIS Flexi Cap Fund	Equity	Very High	10.68%	1	₹12,352.57
AXIS Aggressive Hybrid Fund	Hybrid	Very High	13.16%	1	₹1,548.82
AXIS Ultra Short Duration Fund	Debt	Moderately Low	8.01%	4	₹6,122.17
AXIS Growth Opportunities Fund	Equity	Very High	7.89%	3	₹13,755.24
AXIS Overnight Fund	Debt	Low	6.62%	5	₹9,112.66
AXIS Money Market Fund	Debt	Moderately Low	8.21%	4	₹17,354.56
AXIS Nifty 100 Index Fund	Other	Very High	8.65%	3	₹1,827.25
AXIS Retirement Fund - AP	Solution Oriented	Very High	12.47%	2	₹808.30
AXIS Retirement Fund - DP	Solution Oriented	Very High	12.61%	2	₹330.45
AXIS Retirement Fund - CP	Solution Oriented	High	11.03%	1	₹62.48
AXIS Income Advantage Fund of Funds	Other	Moderately High	10.45%	0	₹203.04
AXIS ESG Integration Strategy Fund	Equity	Very High	7.44%	0	₹1,232.30
AXIS Global Equity Alpha Fund of Fund	Other	Very High	13.84%	0	₹825.50
AXIS Innovation Fund	Equity	Very High	7.53%	0	₹1,120.71
Axis Greater China Equity Fund Of Fund	Other	Very High	7.78%	0	₹469.88
AXIS Global Innovation Fund of Fund	Other	Very High	9.38%	0	₹467.16
AXIS Quant Fund	Equity	Very High	0.25%	0	₹962.94
AXIS Floater Fund	Debt	Moderately Low	12.13%	1	₹181.14
AXIS Value Fund	Equity	Very High	13.57%	4	₹853.13
AXIS Nifty AAA Bond Plus SDL Apr 2026 50:50 ETF FOF	Other	Moderate	7.04%	0	₹256.03
AXIS Nifty 50 Index Fund	Other	Very High	10.56%	3	₹683.72
AXIS Multicap Fund	Equity	Very High	14.27%	3	₹7,235.36
AXIS Nifty Next 50 Index Fund	Other	Very High	0.65%	2	₹323.35
AXIS Equity ETFs FoF	Other	Very High	0.66%	1	₹31.03
AXIS Crisil IBX SDL May 2027 Index Fund	Other	Moderate	9.36%	0	₹2,243.10
AXIS Nifty Smallcap 50 Index Fund	Other	Very High	3.59%	2	₹447.25
AXIS Nifty Midcap 50 Index Fund	Other	Very High	11.14%	4	₹423.69
AXIS Silver Fund of Fund	Other	Moderately High	16.6%	0	₹86.97
AXIS NASDAQ 100 Fund of Fund	Other	Very High	12.54%	0	₹153.30
AXIS Nifty SDL September 2026 Debt Index Fund	Other	Moderately Low	8.63%	0	₹76.58
AXIS Long Duration Fund	Debt	Moderate	12.73%	0	₹0.00
AXIS CRISIL IBX 50:50 Gilt Plus SDL June 2028 Index Fund	Other	Moderate	10.15%	0	₹76.98
AXIS Business Cycles Fund	Equity	Very High	8.2%	0	₹2,330.00
AXIS CRISIL IBX 50:50 Gilt Plus SDL Sep 2027 Index Fund	Other	Moderate	9.33%	0	₹33.36
AXIS FTP - Series 112 (1143 Days)	Debt	Moderately Low	8.31%	0	₹78.69
AXIS NIFTY G-Sec September 2032 Index Fund-Reg (G)	Other	Moderate	0%	0	₹0.00
AXIS FTP - Series 113 (1228 Days)	Debt	Moderate	8.25%	0	₹95.13
AXIS S&P 500 ETF Fund of Fund	Other	Very High	0%	0	₹0.00
AXIS Nifty IT Index Fund	Other	Very High	9.14%	0	₹125.02
AXIS India Manufacturing Fund	Equity	Very High	8.87%	0	₹5,360.92
Axis US Treasury Dynamic Bond ETF Fund of Fund	Other	Very High	7.82%	0	₹58.05
AXIS FTP - Series 119 (71 Days)	Debt	Moderately Low	0%	0	₹0.00
AXIS BSE Sensex Index Fund	Other	Very High	10.87%	0	₹47.71
AXIS CRISIL IBX SDL June 2034 Debt Index Fund	Other	Moderate	12.12%	0	₹15.21
AXIS Nifty Bank Index Fund	Other	Very High	0%	0	₹143.45
AXIS Nifty 500 Index Fund	Other	Very High	0%	0	₹259.43
AXIS Consumption Fund	Equity	Very High	0%	0	₹4,114.23
AXIS CRISIL-IBX AAA Bond NBFC - Jun 2027 Index Fund	Other	Moderate	0%	0	₹738.23
AXIS Nifty500 Value 50 Index Fund	Other	Very High	0%	0	₹86.80
AXIS CRISIL-IBX AAA Bond Financial Services-Sep 2027 Index Fund	Other	Moderate	0%	0	₹108.11
AXIS Momentum Fund	Equity	Very High	0%	0	₹1,293.21
AXIS CRISIL-IBX AAA Bond NBFC-HFC-Jun 2027 Index Fund	Other	Moderate	0%	0	₹47.64
AXIS Nifty500 Momentum 50 Index Fund	Other	Very High	0%	0	₹58.24
AXIS Nifty AAA Bond Financial Services-Mar 2028 Index Fund	Other	Moderate	0%	0	₹0.00

News

Axis Mutual Fund announces change in scheme name
Axis Mutual Fund has announced change in scheme name under the following scheme, With effect from 09 May 2025.
Change in the name of the Scheme:

Existing Scheme Name Revised Scheme Name

Axis Income Advantage Fund of Funds Axis Income Plus Arbitrage Active FOF

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Existing Scheme Name	Revised Scheme Name
Axis Income Advantage Fund of Funds	Axis Income Plus Arbitrage Active FOF

Axis Mutual Fund announces change in Key Personnel
Axis Mutual Fund has announced that Mr. Namrata Chirag Shah has been appointed as an Chief Risk Officer Axis Asset Management Company Limited ('Axis AMC') with effect from March 18, 2025.
Details of Mr. Namrata Chirag Shah
Age: 42 years
Designation: Chief Risk Officer
Qualification: Chartered Accountant, Bcom
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Axis Mutual Fund announces merger of AXIS Crisil IBX 70:30 CPSE Plus SDL April 2025 Index Fund Merger into AXIS Crisil IBX SDL May 2027 Index Fund
Axis Mutual Fund has approved the merger of AXIS Crisil IBX 70:30 CPSE Plus SDL April 2025 Index Fund Merger into AXIS Crisil IBX SDL May 2027 Index Fund, with effect from 30 April 2025.
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Fund House Details & Investment Objective

Date of Incorporation

29 November 2019

Total AUM (Cr)

₹330.45

AXIS Retirement Fund - DP - Direct (IDCW) is an Retirement Fund-oriented fund from the renowned AMC, Axis Mutual Fund. Launched in 29 November 2019, this fund is managed by Jayesh Sundar. With assets under management (AUM) worth ₹330.45 (Cr), as of 8 May 2025, AXIS Retirement Fund - DP - Direct (IDCW) is categorized as a Retirement Fund within its segment. The fund has generated a return of 14.24% since its launch.
The current NAV of AXIS Retirement Fund - DP - Direct (IDCW) is ₹20.29, as on 8 May 2025. The fund's benchmark index is CRISIL Hybrid 35+65 - Aggressive Index. You can invest in AXIS Retirement Fund - DP - Direct (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Nil The fund has generated 16.50% and 17.24% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 85.12% in Equity, 14.30% in Debt and 0.57% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 16.43% in Banks, 14.97% in Debt, 7.77% in Finance, 6.31% in IT-Software, 5.29% in Pharmaceuticals & Biotech

FAQs

How to Invest in AXIS Retirement Fund - DP - Direct (IDCW) Direct Growth?

AXIS Retirement Fund - DP - Direct (IDCW) is a popular fund in the Retirement Fund segment. The fund has generated a return of 14.24% since inception. Looking to invest in AXIS Retirement Fund - DP - Direct (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in AXIS Retirement Fund - DP - Direct (IDCW) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, AXIS Retirement Fund - DP - Direct (IDCW)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in AXIS Retirement Fund - DP - Direct (IDCW) today and reap the benefits of this Retirement Fund fund!

How much returns has AXIS Retirement Fund - DP - Direct (IDCW) Direct Growth generated?

In the short term, i.e., 1 year, AXIS Retirement Fund - DP - Direct (IDCW) has generated annualised return of 12.59%. In the long-term, the fund has generated 16.50% and 17.24% in 3 and 5 years respectively. Since its inception, the fund has generated 14.24% returns.

What is the expense ratio of AXIS Retirement Fund - DP - Direct (IDCW) Direct Growth?

The expense ratio of AXIS Retirement Fund - DP - Direct (IDCW) Direct Growth is 1.29%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of AXIS Retirement Fund - DP - Direct (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of AXIS Retirement Fund - DP - Direct (IDCW) is ₹330.45 (Cr) as of 2025-05-08 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from AXIS Retirement Fund - DP - Direct (IDCW) Direct Growth?

Redeeming or selling units of AXIS Retirement Fund - DP - Direct (IDCW) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from AXIS Retirement Fund - DP - Direct (IDCW):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case AXIS Retirement Fund - DP - Direct (IDCW)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).