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holdings

Axis Retirement Fund - Conservative Plan Direct-Growth

Hybrid: Conservative Hybrid - Growth (Open ended)

Axis Retirement Fund - Conservative Plan Direct-GrowthNAV: 17.55 as on 06 Sep, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: HighCategory: Hybrid: Conservative HybridBenchmark: CRISIL Hybrid 75+25 Conservative IndexCheck Portfolio Overlap →

NAV: ₹17.55-0.18%

07 Sept 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Axis Retirement Fund - Conservative Plan Direct-Growth.

Asset Allocation

As on 31 Aug 2026

Debt

60.54%

Equity

36.56%

Real estate

1.89%

Others

1.02%

Market Cap Distribution

Large Cap (90.6%)

Mid Cap (8.2%)

Small Cap (1.2%)

Historical Asset Allocation

Asset	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026
Equity	36.56%	36.70%	36.00%	36.27%	37.70%	36.19%
Debt	60.54%	60.73%	60.58%	60.78%	59.70%	60.85%
Others (incl. cash)	1.02%	0.76%	1.67%	1.21%	0.81%	1.21%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	1.89%	1.82%	1.74%	1.73%	1.79%	1.75%

Portfolio Snapshot

No. of Securities

P/E Ratio

20.11

P/B Ratio

3.22

Top Holding %

33.71%

Top 5 Holdings %

67.13%

Top 10 Holdings %

78.27%

Modified Duration

8.02 yrs

Avg. Maturity

16.30 yrs

Yield to Maturity

7.06%

AUM

₹47 Cr

Expense Ratio

1.27%

Since Inception

8.73%

Max Drawdown

-0.13%

Sharpe Ratio

0.39

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
Reliance Industries Ltd.	Energy	16,918	2.16	4.63%	0.00%↑
State Bank of India	Financial	12,656	1.34	2.88%	0.16%↑
Apollo Hospitals Enterprise Ltd.	Healthcare	1,434	1.28	2.74%	0.05%↑
Infosys Ltd.	Technology	9,565	1.08	2.33%	0.06%↑
Bharti Airtel Ltd.	Communication	5,836	1.06	2.27%	-0.14%↓
ICICI Bank Ltd.	Financial	6,145	0.89	1.92%	0.07%↑
HDFC Bank Ltd.	Financial	12,296	0.87	1.87%	-0.06%↓
Life Insurance Corporation of India	Insurance	19,722	0.82	1.77%	0.01%↑
Hero Motocorp Ltd.	Automobile	1,283	0.7	1.50%	0.05%↑
HCL Technologies Ltd.	Technology	4,986	0.65	1.40%	-0.00%↓
Mahindra & Mahindra Ltd.	Automobile	1,780	0.58	1.25%	-0.01%↓
ITC Ltd.	Consumer Staples	22,681	0.58	1.24%	-0.09%↓
Kotak Mahindra Bank Ltd.	Financial	13,371	0.56	1.20%	0.11%↑
Larsen & Toubro Ltd.	Construction	1,339	0.54	1.16%	0.06%↑
NTPC Ltd.	Energy	14,662	0.48	1.03%	-0.04%↓
Sun Pharmaceutical Industries Ltd.	Healthcare	2,162	0.43	0.92%	-0.10%↓
Varun Beverages Ltd.	Consumer Staples	9,750	0.39	0.84%	-0.07%↓
Britannia Industries Ltd.	Consumer Staples	635	0.33	0.71%	-0.01%↓
Tech Mahindra Ltd.	Technology	1,905	0.31	0.67%	0.01%↑
Mankind Pharma Ltd.	Healthcare	1,224	0.3	0.64%	0.00%↑

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Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026
Financial	8.35%	8.08%	8.29%	7.81%	8.64%	8.01%
Energy	5.66%	5.70%	5.67%	5.96%	6.38%	6.09%
Healthcare	5.44%	6.03%	6.11%	5.82%	5.56%	5.47%
Technology	4.80%	4.72%	4.01%	4.66%	4.74%	5.06%
Consumer Staples	3.00%	3.17%	3.29%	3.44%	3.62%	3.21%
Automobile	2.75%	2.71%	2.43%	2.47%	2.53%	2.52%
Communication	2.27%	2.41%	2.26%	2.25%	2.31%	2.23%
Insurance	2.25%	2.23%	2.28%	2.23%	2.17%	2.06%
Construction	1.16%	1.10%	1.56%	1.55%	1.68%	1.49%
Services	0.59%	0.54%	0.09%	0.07%	0.08%	0.07%
Capital Goods	0.28%	-	-	-	-	-

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
SOV	59.62%	23.51%
Cash & Call Money	1.93%	14.07%
A	-	0.78%
A+	-	1.42%
A-	-	0.25%
A1+	-	3.19%
AA	-	4.10%
AA+	-	4.67%
AA-	-	0.99%
AAA	-	19.16%
B+	-	1.85%
B-	-	2.24%
BBB+	-	0.00%
Cash	-	0.14%
D	-	0.09%
Others	-	0.18%
Term Deposits	-	0.01%
Unrated	-	0.09%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

59.2 / 100

Weighted average Value score is 59.2. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

46.1 / 100

Weighted average Price Momentum score is 46.1. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

70.2 / 100

Weighted average Quality score is 70.2. This indicates that portfolio has average quality using composite of quality measures.

QVM score

67.8 / 100

Weighted average QVM score is 67.8. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Earnings manipulation risk (Beneish M-score)

Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):

Name	Value
Hindustan Unilever Ltd.	-1.56
Torrent Pharmaceuticals Ltd.	-0.63
Varun Beverages Ltd.	-1.69

Declining revenues

Following companies have seen their sales decline for 2 consecutive quarters (measured on yoy basis): ITC Ltd.

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	GOI Securities	7.18%	24/07/2037	SOV	33.71%
GOI	GOI Securities	7.34%	22/04/2064	SOV	15.05%
GOI	GOI Securities	7.10%	08/04/2034	SOV	10.87%
Others	CBLO	0.00%	0	-	0.91%

Frequently Asked Questions

What are the top holdings of Axis Retirement Fund - Conservative Plan Direct-Growth?

The top holdings of Axis Retirement Fund - Conservative Plan Direct-Growth as of 31 Aug 2026 are GOI (33.71%), GOI (15.05%), GOI (10.87%), Reliance Industries Ltd. (4.63%), State Bank of India (2.88%). These top 5 stocks together account for 67.13% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does Axis Retirement Fund - Conservative Plan Direct-Growth hold in its portfolio?

Axis Retirement Fund - Conservative Plan Direct-Growth holds 36 stocks in its portfolio as of 31 Aug 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.

What is the sector allocation of Axis Retirement Fund - Conservative Plan Direct-Growth?

As of 31 Aug 2026, Axis Retirement Fund - Conservative Plan Direct-Growth's top sector allocations are Financial (8.35%), Energy (5.66%), Healthcare (5.44%). You can find detailed sector allocation above.

What is the equity and debt allocation of Axis Retirement Fund - Conservative Plan Direct-Growth?

As of 31 Aug 2026, Axis Retirement Fund - Conservative Plan Direct-Growth has 36.56% allocated to equity, and 60.54% to debt. You can also check the historical trends above.

What is the market cap allocation of Axis Retirement Fund - Conservative Plan Direct-Growth?

As of 31 Aug 2026, Axis Retirement Fund - Conservative Plan Direct-Growth's market cap allocation is 90.59% in large caps, 8.22% in mid caps, and 1.18% in small caps.

What is the PE ratio of Axis Retirement Fund - Conservative Plan Direct-Growth's portfolio?

The portfolio PE ratio of Axis Retirement Fund - Conservative Plan Direct-Growth is 20.11 as of 31 Aug 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.

What is the credit quality of Axis Retirement Fund - Conservative Plan Direct-Growth?

As of 31 Aug 2026, Axis Retirement Fund - Conservative Plan Direct-Growth's debt portfolio has - in AAA-rated instruments, - in AA-rated, and 59.62% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.

When is the latest portfolio disclosure for Axis Retirement Fund - Conservative Plan Direct-Growth?

The latest portfolio disclosure for Axis Retirement Fund - Conservative Plan Direct-Growth is as of 31 Aug 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.

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Asset

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

Equity

36.56%

36.70%

36.00%

36.27%

37.70%

36.19%

Debt

60.54%

60.73%

60.58%

60.78%

59.70%

60.85%

Others (incl. cash)

1.02%

0.76%

1.67%

1.21%

0.81%

1.21%

Commodities

0.00%

Real Estate

1.89%

1.82%

1.74%

1.73%

1.79%

1.75%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

Reliance Industries Ltd.

Energy

16,918

2.16

4.63%

0.00%↑

State Bank of India

Financial

12,656

1.34

2.88%

0.16%↑

Apollo Hospitals Enterprise Ltd.

Healthcare

1,434

1.28

2.74%

0.05%↑

Infosys Ltd.

Technology

9,565

1.08

2.33%

0.06%↑

Bharti Airtel Ltd.

Communication

5,836

1.06

2.27%

-0.14%↓

ICICI Bank Ltd.

Financial

6,145

0.89

1.92%

0.07%↑

HDFC Bank Ltd.

Financial

12,296

0.87

1.87%

-0.06%↓

Life Insurance Corporation of India

Insurance

19,722

0.82

1.77%

0.01%↑

Hero Motocorp Ltd.

Automobile

1,283

0.7

1.50%

0.05%↑

HCL Technologies Ltd.

Technology

4,986

0.65

1.40%

-0.00%↓

Mahindra & Mahindra Ltd.

Automobile

1,780

0.58

1.25%

-0.01%↓

ITC Ltd.

Consumer Staples

22,681

0.58

1.24%

-0.09%↓

Kotak Mahindra Bank Ltd.

Financial

13,371

0.56

1.20%

0.11%↑

Larsen & Toubro Ltd.

Construction

1,339

0.54

1.16%

0.06%↑

NTPC Ltd.

Energy

14,662

0.48

1.03%

-0.04%↓

Sun Pharmaceutical Industries Ltd.

Healthcare

2,162

0.43

0.92%

-0.10%↓

Varun Beverages Ltd.

Consumer Staples

9,750

0.39

0.84%

-0.07%↓

Britannia Industries Ltd.

Consumer Staples

635

0.33

0.71%

-0.01%↓

Tech Mahindra Ltd.

Technology

1,905

0.31

0.67%

0.01%↑

Mankind Pharma Ltd.

Healthcare

1,224

0.3

0.64%

0.00%↑

Sector

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

Financial

8.35%

8.08%

8.29%

7.81%

8.64%

8.01%

Energy

5.66%

5.70%

5.67%

5.96%

6.38%

6.09%

Healthcare

5.44%

6.03%

6.11%

5.82%

5.56%

5.47%

Technology

4.80%

4.72%

4.01%

4.66%

4.74%

5.06%

Consumer Staples

3.00%

3.17%

3.29%

3.44%

3.62%

3.21%

Automobile

2.75%

2.71%

2.43%

2.47%

2.53%

2.52%

Communication

2.27%

2.41%

2.26%

2.25%

2.31%

2.23%

Insurance

2.25%

2.23%

2.28%

2.23%

2.17%

2.06%

Construction

1.16%

1.10%

1.56%

1.55%

1.68%

1.49%

Services

0.59%

0.54%

0.09%

0.07%

0.08%

0.07%

Capital Goods

0.28%

Rating

Fund