Axis Retirement Fund - Conservative Plan Direct-Growth
Hybrid: Conservative Hybrid - Growth (Open ended)
SEBI Riskometer: HighCategory: Hybrid: Conservative HybridBenchmark: CRISIL Hybrid 75+25 Conservative IndexCheck Portfolio Overlap →
NAV: ₹17.04-0.36%
22 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Axis Retirement Fund - Conservative Plan Direct-Growth.
Market Cap Distribution
Large Cap (90.3%)
Mid Cap (8.4%)
Small Cap (1.3%)
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 35.29% | 36.56% | 36.70% | 36.00% | 36.27% | 37.70% |
| Debt | 61.47% | 60.54% | 60.73% | 60.58% | 60.78% | 59.70% |
| Others (incl. cash) | 1.33% | 1.02% | 0.76% | 1.67% | 1.21% | 0.81% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 1.92% | 1.89% | 1.82% | 1.74% | 1.73% | 1.79% |
Portfolio Snapshot
No. of Securities
36
P/E Ratio
20.47
P/B Ratio
3.27
Top Holding %
34.56%
Top 5 Holdings %
66.12%
Top 10 Holdings %
77.08%
Modified Duration
7.75 yrs
Avg. Maturity
16.32 yrs
Yield to Maturity
7.34%
AUM
₹45 Cr
Expense Ratio
1.27%
Since Inception
8.10%
Max Drawdown
-0.13%
Sharpe Ratio
0.18
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 | 2.01 | 4.49% | -0.14%↓ |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 1,434 | 1.17 | 2.62% | -0.12%↓ |
| Bharti Airtel Ltd. | Communication | 5,836 | 1.03 | 2.29% | 0.03%↑ |
| State Bank of India | Financial | 9,940 | 0.95 | 2.13% | -0.74%↓ |
| Infosys Ltd. | Technology | 9,565 | 0.95 | 2.13% | -0.20%↓ |
| HDFC Bank Ltd. | Financial | 12,296 | 0.87 | 1.95% | 0.08%↑ |
| ICICI Bank Ltd. | Financial | 6,145 | 0.81 | 1.82% | -0.10%↓ |
| Life Insurance Corporation of India | Insurance | 19,722 | 0.78 | 1.74% | -0.02%↓ |
| Hero Motocorp Ltd. | Automobile | 1,283 | 0.67 | 1.50% | 0.00%↑ |
| HCL Technologies Ltd. | Technology | 4,986 | 0.61 | 1.37% | -0.03%↓ |
| ITC Ltd. | Consumer Staples | 22,681 | 0.6 | 1.33% | 0.09%↑ |
| Kotak Mahindra Bank Ltd. | Financial | 13,371 | 0.56 | 1.25% | 0.04%↑ |
| Mahindra & Mahindra Ltd. | Automobile | 1,780 | 0.53 | 1.17% | -0.08%↓ |
| Larsen & Toubro Ltd. | Construction | 1,339 | 0.5 | 1.13% | -0.04%↓ |
| NTPC Ltd. | Energy | 14,662 | 0.47 | 1.06% | 0.03%↑ |
| Varun Beverages Ltd. | Consumer Staples | 9,750 | 0.42 | 0.94% | 0.10%↑ |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 2,162 | 0.39 | 0.88% | -0.04%↓ |
| Britannia Industries Ltd. | Consumer Staples | 635 | 0.31 | 0.69% | -0.03%↓ |
| Mankind Pharma Ltd. | Healthcare | 1,224 | 0.31 | 0.69% | 0.05%↑ |
| Tech Mahindra Ltd. | Technology | 1,905 | 0.29 | 0.65% | -0.02%↓ |
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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 | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Financial | 7.52% | 8.35% | 8.08% | 8.29% | 7.81% | 8.64% |
| Energy | 5.55% | 5.66% | 5.70% | 5.67% | 5.96% | 6.38% |
| Healthcare | 5.32% | 5.44% | 6.03% | 6.11% | 5.82% | 5.56% |
| Technology | 4.51% | 4.80% | 4.72% | 4.01% | 4.66% | 4.74% |
| Consumer Staples | 3.17% | 3.00% | 3.17% | 3.29% | 3.44% | 3.62% |
| Automobile | 2.68% | 2.75% | 2.71% | 2.43% | 2.47% | 2.53% |
| Communication | 2.29% | 2.27% | 2.41% | 2.26% | 2.25% | 2.31% |
| Insurance | 2.23% | 2.25% | 2.23% | 2.28% | 2.23% | 2.17% |
| Construction | 1.13% | 1.16% | 1.10% | 1.56% | 1.55% | 1.68% |
| Services | 0.58% | 0.59% | 0.54% | 0.09% | 0.07% | 0.08% |
| Capital Goods | 0.32% | 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 | 59.01% | 23.94% |
| Cash & Call Money | 3.78% | 13.97% |
| A | - | 0.78% |
| A+ | - | 1.28% |
| A- | - | 0.25% |
| A1+ | - | 2.95% |
| AA | - | 3.91% |
| AA+ | - | 4.86% |
| AA- | - | 1.23% |
| AAA | - | 19.17% |
| B+ | - | 1.85% |
| B- | - | 2.24% |
| BBB+ | - | 0.00% |
| Cash | - | 0.21% |
| D | - | 0.09% |
| Others | - | 0.17% |
| 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
58.3 / 100
Weighted average Value score is 58.3. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
51.4 / 100
Weighted average Price Momentum score is 51.4. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
68.9 / 100
Weighted average Quality score is 68.9. This indicates that portfolio has average quality using composite of quality measures.
QVM score
70.4 / 100
Weighted average QVM score is 70.4. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
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 | 34.56% |
| GOI | GOI Securities | 7.34% | 22/04/2064 | SOV | 15.53% |
| GOI | GOI Securities | 7.10% | 08/04/2034 | SOV | 8.93% |
| Others | CBLO | 0.00% | 0 | - | 2.45% |
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 30 Sep 2026 are GOI (34.56%), GOI (15.53%), GOI (8.93%), Reliance Industries Ltd. (4.49%), Apollo Hospitals Enterprise Ltd. (2.62%). These top 5 stocks together account for 66.12% 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 30 Sep 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 30 Sep 2026, Axis Retirement Fund - Conservative Plan Direct-Growth's top sector allocations are Financial (7.52%), Energy (5.55%), Healthcare (5.32%). You can find detailed sector allocation above.
What is the equity and debt allocation of Axis Retirement Fund - Conservative Plan Direct-Growth?
As of 30 Sep 2026, Axis Retirement Fund - Conservative Plan Direct-Growth has 35.29% allocated to equity, and 61.47% 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 30 Sep 2026, Axis Retirement Fund - Conservative Plan Direct-Growth's market cap allocation is 90.33% in large caps, 8.36% in mid caps, and 1.31% 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 20.47 as of 30 Sep 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 30 Sep 2026, Axis Retirement Fund - Conservative Plan Direct-Growth's debt portfolio has - in AAA-rated instruments, - in AA-rated, and 59.01% 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 30 Sep 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.