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

Yes, you can invest both lumpsum and SIP in AXIS Retirement Fund - CP - Regular (IDCW). Minimum lumpsum investment AXIS Retirement Fund - CP - Regular (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 - CP - Regular (IDCW) Direct Growth?

The latest NAV ( Net Asset Value ) of AXIS Retirement Fund - CP - Regular (IDCW) is AXIS Retirement Fund - CP - Regular (IDCW) is ₹16.03 as on 2025-07-03.

Which are the biggest stock holdings of AXIS Retirement Fund - CP - Regular (IDCW)?

The 5 biggest stock holdings of AXIS Retirement Fund - CP - Regular (IDCW) are: Reliance Industr (4.04%), Infosys (2.62%), M & M (2.31%), Bharti Airtel (2.28%), Apollo Hospitals (2.25%)

What are the top sectors AXIS Retirement Fund - CP - Regular (IDCW) invests in?

A majority of AXIS Retirement Fund - CP - Regular (IDCW) 's AUM worth ₹59.87 (Cr) is invested in these 3 top sectors: Debt : 59.48% Banks : 6.82% IT-Software : 5.28%

Mutual Funds
AMC
AXIS Retirement Fund - CP - Regular (IDCW)

AXIS Retirement Fund - CP - Regular (IDCW)

Retirement Fund

Invest Now

NAV
16.03(-0.01%)
Fund Size (CR)
₹61.37
Expense Ratio
2.15
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹100
Minimum Withdrawal
₹1
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
8.89%

Absolute Return: 5.28%

Annualized Return: 0%

Basic Details

Scheme Manager

Jayesh Sundar

Bench Mark

CRISIL Hybrid 75+25 - Conservative 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	26 June 2025	10017.62	0.18%	-	0.69%	67/106
1 Month	3 June 2025	10036.56	0.37%	-	1.95%	89/106
3 Month	3 April 2025	10375.74	3.76%	-	7.46%	84/106
6 Month	3 January 2025	10271.29	2.71%	-	3.30%	81/106
1 Year	3 July 2024	10592.46	5.92%	5.92%	6.66%	73/106
3 Year	1 July 2022	13473.93	34.74%	10.42%	16.09%	76/90
5 Year	3 July 2020	15690.35	56.90%	9.42%	14.72%	54/74
Since Inception	20 December 2019	16030.20	60.30%	8.89%	12.72%	84/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 August 2024	1,20,000	123213.93	2.68%	2.68%
3 Year	1 August 2022	3,60,000	417298.12	15.92%	5.05%
5 Year	3 August 2020	6,00,000	744394.86	24.07%	4.41%
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

1.78%

Standard Deviation

0.43%

Beta

0.54%

Sharpe Ratio

0.05%

Treynor's Ratio

0.15%

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
Reliance Industr	4.04%	16918	2.42	Equity	Refineries
Infosys	2.62%	9800	1.57	Equity	IT - Software
M & M	2.31%	4602	1.38	Equity	Automobile
Bharti Airtel	2.28%	7414	1.36	Equity	Telecomm-Service
Apollo Hospitals	2.25%	1928	1.35	Equity	Healthcare
HDFC Bank	1.97%	6148	1.18	Equity	Banks
Hero Motocorp	1.79%	2471	1.07	Equity	Automobile
ICICI Bank	1.71%	7244	1.03	Equity	Banks
ITC	1.57%	22681	0.94	Equity	Tobacco Products
Life Insurance	1.54%	9861	0.92	Equity	Insurance

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1214.21	7.03%	17.49%	10.62%	12.31%	29.73%
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1214.21	7.01%	17.47%	10.59%	12.29%	29.71%
PGIM India Retirement Fund - Direct (G)	84.45	3.58%	11.98%	3.50%	10.00%	-
PGIM India Retirement Fund - Direct (IDCW)	84.45	3.58%	11.98%	3.50%	10.00%	-
ICICI Pru Retirement Fund - Hybrid CP - Dir (IDCW)	82.10	2.26%	5.88%	5.87%	9.22%	13.26%

List of Schemes under Axis Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
AXIS Banking & PSU Debt Fund	Debt	Moderate	9.42%	4	₹13,427.61
AXIS Gilt Fund	Debt	Moderate	9.46%	4	₹752.51
AXIS Dynamic Bond Fund	Debt	Moderate	9.81%	2	₹1,287.41
AXIS Gold Fund	Other	High	32.04%	5	₹1,065.47
AXIS Liquid Fund	Debt	Moderately Low	7.31%	4	₹42,072.07
AXIS ELSS Tax Saver Fund	Equity	Very High	6.12%	1	₹35,358.19
AXIS Midcap Fund	Equity	Very High	5.32%	2	₹30,501.51
AXIS Short Duration Fund	Debt	Moderate	10.14%	4	₹11,317.08
AXIS Treasury Advantage Fund	Debt	Moderately Low	8.64%	4	₹6,565.77
AXIS Multi Asset Allocation Fund	Hybrid	Very High	7.96%	1	₹1,436.16
AXIS Large Cap Fund	Equity	Very High	4.7%	1	₹33,412.83
AXIS Focused Fund	Equity	Very High	7.4%	1	₹12,643.93
AXIS Strategic Bond Fund	Debt	Moderately High	10.41%	4	₹1,941.68
AXIS Conservative Hybrid Fund	Hybrid	Moderately High	8.44%	2	₹283.46
AXIS Small Cap Fund	Equity	Very High	7.94%	3	₹25,062.36
AXIS Credit Risk Fund	Debt	Moderately High	10.05%	4	₹366.63
AXIS Arbitrage Fund	Hybrid	Low	7.58%	4	₹6,767.43
AXIS Equity Savings Fund	Hybrid	Moderately High	6.7%	2	₹946.03
AXIS Children's Fund - Lock in	Solution Oriented	Very High	7.26%	1	₹908.42
AXIS Children's Fund - Lock in	Solution Oriented	Very High	7.44%	1	₹908.42
AXIS Corporate Bond Fund	Debt	Moderate	10.43%	4	₹8,897.88
AXIS Balanced Advantage Fund	Hybrid	Very High	8.51%	3	₹3,160.82
AXIS Flexi Cap Fund	Equity	Very High	6.59%	2	₹12,823.77
AXIS Aggressive Hybrid Fund	Hybrid	Very High	7.27%	1	₹1,575.64
AXIS Ultra Short Duration Fund	Debt	Moderately Low	8.1%	4	₹6,508.33
AXIS Large & Mid Cap Fund	Equity	Very High	7%	3	₹14,349.24
AXIS Overnight Fund	Debt	Low	6.44%	5	₹10,628.33
AXIS Money Market Fund	Debt	Moderately Low	8.37%	5	₹17,342.65
AXIS Nifty 100 Index Fund	Other	Very High	3.67%	2	₹1,882.91
AXIS Retirement Fund - AP	Solution Oriented	Very High	6.81%	2	₹812.97
AXIS Retirement Fund - DP	Solution Oriented	Very High	6.79%	2	₹332.28
AXIS Retirement Fund - CP	Solution Oriented	High	7.35%	1	₹59.87
AXIS Income Plus Arbitrage Active FOF	Other	Moderately High	9.72%	0	₹501.75
AXIS ESG Integration Strategy Fund	Equity	Very High	4.05%	0	₹1,245.58
AXIS Global Equity Alpha Fund of Fund	Other	Very High	19.91%	0	₹897.59
AXIS Innovation Fund	Equity	Very High	5.5%	0	₹1,174.87
Axis Greater China Equity Fund Of Fund	Other	Very High	20.34%	0	₹513.37
AXIS Global Innovation Fund of Fund	Other	Very High	14.13%	0	₹518.62
AXIS Quant Fund	Equity	Very High	-1.9%	0	₹968.60
AXIS Floater Fund	Debt	Moderately Low	10.25%	1	₹161.47
AXIS Value Fund	Equity	Very High	6.15%	4	₹921.06
AXIS Nifty AAA Bond Plus SDL Apr 2026 50:50 ETF FOF	Other	Moderate	7.57%	0	₹256.71
AXIS Nifty 50 Index Fund	Other	Very High	5.73%	3	₹705.99
AXIS Multicap Fund	Equity	Very High	7.44%	3	₹7,781.71
AXIS Nifty Next 50 Index Fund	Other	Very High	-5.29%	2	₹337.09
AXIS Equity ETFs FoF	Other	Very High	-3.75%	2	₹32.31
AXIS Crisil IBX SDL May 2027 Index Fund	Other	Moderate	9.13%	0	₹2,243.87
AXIS Nifty Smallcap 50 Index Fund	Other	Very High	5.11%	2	₹487.48
AXIS Nifty Midcap 50 Index Fund	Other	Very High	6.51%	3	₹446.31
AXIS Silver Fund of Fund	Other	Moderately High	19%	0	₹107.01
AXIS NASDAQ 100 Fund of Fund	Other	Very High	16.35%	0	₹165.04
AXIS Nifty SDL September 2026 Debt Index Fund	Other	Moderately Low	8.59%	0	₹79.52
AXIS Long Duration Fund	Debt	Moderate	6.95%	0	₹352.68
AXIS CRISIL IBX 50:50 Gilt Plus SDL June 2028 Index Fund	Other	Moderate	9.92%	0	₹79.32
AXIS Business Cycles Fund	Equity	Very High	3.64%	0	₹2,404.24
AXIS CRISIL IBX 50:50 Gilt Plus SDL Sep 2027 Index Fund	Other	Moderate	9.22%	0	₹36.94
AXIS FTP - Series 112 (1143 Days)	Debt	Moderately Low	8.12%	0	₹79.50
AXIS NIFTY G-Sec September 2032 Index Fund-Reg (G)	Other	Moderate	0%	0	₹0.00
AXIS FTP - Series 113 (1228 Days)	Debt	Moderate	8.44%	0	₹96.18
AXIS S&P 500 ETF Fund of Fund	Other	Very High	0%	0	₹0.00
AXIS Nifty IT Index Fund	Other	Very High	5.81%	0	₹131.37
AXIS India Manufacturing Fund	Equity	Very High	-0.42%	0	₹5,532.65
Axis US Treasury Dynamic Bond ETF Fund of Fund	Other	Very High	9.15%	0	₹52.70
AXIS FTP - Series 119 (71 Days)	Debt	Moderately Low	0%	0	₹0.00
AXIS BSE Sensex Index Fund	Other	Very High	5.1%	0	₹48.44
AXIS CRISIL IBX SDL June 2034 Debt Index Fund	Other	Moderate	10.63%	0	₹15.52
AXIS Nifty Bank Index Fund	Other	Very High	7.68%	0	₹145.05
AXIS Nifty 500 Index Fund	Other	Very High	0%	0	₹283.13
AXIS Consumption Fund	Equity	Very High	0%	0	₹4,100.18
AXIS CRISIL-IBX AAA Bond NBFC - Jun 2027 Index Fund	Other	Moderate	0%	0	₹748.44
AXIS Nifty500 Value 50 Index Fund	Other	Very High	0%	0	₹90.23
AXIS CRISIL-IBX AAA Bond Financial Services-Sep 2027 Index Fund	Other	Moderate	0%	0	₹60.46
AXIS Momentum Fund	Equity	Very High	0%	0	₹1,323.56
AXIS CRISIL-IBX AAA Bond NBFC-HFC-Jun 2027 Index Fund	Other	Moderate	0%	0	₹44.63
AXIS Nifty500 Momentum 50 Index Fund	Other	Very High	0%	0	₹68.18
AXIS Nifty AAA Bond Financial Services-Mar 2028 Index Fund	Other	Moderate	0%	0	₹0.00
Axis Services Opportunities Fund	Equity	Very High	0%	0	₹0.00

News

Axis MF announces change in benchmark index under its scheme
Axis Mutual Fund has announced change in the benchmark of Axis Floater Fund with immediate effect
Change in name of Benchmark of Axis Floater Fund

Scheme Name Existing Benchmark Revised Benchmark

Axis Floater Fund NIFTY Long Duration Debt Index A-III NIFTY Medium to Long Duration Debt Index A-III

Powered by Capital Market - Live News

Scheme Name	Existing Benchmark	Revised Benchmark
Axis Floater Fund	NIFTY Long Duration Debt Index A-III	NIFTY Medium to Long Duration Debt Index A-III

Axis Mutual Fund announces change in scheme name
Axis Mutual Fund has announced change in scheme name under the following scheme, With effect from 17 July 2025.
Change in the name of the Scheme:

Existing Scheme Name Revised Scheme Name

Axis Equity ETFs FoF Axis Multi Factor FoF Passive

Powered by Capital Market - Live News

Existing Scheme Name	Revised Scheme Name
Axis Equity ETFs FoF	Axis Multi Factor FoF Passive

Axis Mutual Fund Change in Minimum Application Amount

Axis Mutual Fund announces that the Minimum Application Amount for Axis Multicap Fund stands modified as under with effect from June 06, 2025.

Scheme Name(s)	Existing	Revised
Axis Multicap Fund Axis Midcap Fund Axis Small Cap Fund Axis Large Cap Fund Axis Flexi Cap Fund Axis Gold Fund Axis Value Fund Axis Balanced Advantage Fund Axis Multi Asset Allocation Fund	100 and in multiple Re. 1	10 and in multiple Re. 1

Powered by Capital Market - Live News

Fund House Details & Investment Objective

Date of Incorporation

29 November 2019

Total AUM (Cr)

₹59.87

AXIS Retirement Fund - CP - Regular (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 ₹59.87 (Cr), as of 3 July 2025, AXIS Retirement Fund - CP - Regular (IDCW) is categorized as a Retirement Fund within its segment. The fund has generated a return of 8.89% since its launch.
The current NAV of AXIS Retirement Fund - CP - Regular (IDCW) is ₹16.03, as on 3 July 2025. The fund's benchmark index is CRISIL Hybrid 75+25 - Conservative Index. You can invest in AXIS Retirement Fund - CP - Regular (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 10.42% and 9.42% 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 40.55% in Equity, 58.45% in Debt and 1.02% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 59.48% in Debt, 6.82% in Banks, 5.28% in IT-Software, 3.94% in Petroleum Products, 3.53% in Automobiles

FAQs

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

AXIS Retirement Fund - CP - Regular (IDCW) is a popular fund in the Retirement Fund segment. The fund has generated a return of 8.89% since inception. Looking to invest in AXIS Retirement Fund - CP - Regular (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in AXIS Retirement Fund - CP - Regular (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 - CP - Regular (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 - CP - Regular (IDCW) today and reap the benefits of this Retirement Fund fund!

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

In the short term, i.e., 1 year, AXIS Retirement Fund - CP - Regular (IDCW) has generated annualised return of 5.92%. In the long-term, the fund has generated 10.42% and 9.42% in 3 and 5 years respectively. Since its inception, the fund has generated 8.89% returns.

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

The expense ratio of AXIS Retirement Fund - CP - Regular (IDCW) Direct Growth is 2.15%. 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 - CP - Regular (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of AXIS Retirement Fund - CP - Regular (IDCW) is ₹59.87 (Cr) as of 2025-07-03 AUM shows the fund’s popularity and is often indicative of fund strength.

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

Redeeming or selling units of AXIS Retirement Fund - CP - Regular (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 - CP - Regular (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 - CP - Regular (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).