Axis Retirement Fund - Conservative Plan Direct-Growth
Hybrid: Conservative Hybrid - Growth (Open ended) Factsheet
SEBI Riskometer -HighCategory -Hybrid: Conservative HybridBenchmark -CRISIL Hybrid 75+25 Conservative Index
NAV: ₹17.64+0.43%
02 Jul 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 (93.9%)
Mid Cap (3.1%)
Small Cap (3.0%)
Historical Asset Allocation
| Asset | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 | 31 Dec 2025 |
|---|---|---|---|---|---|---|
| Equity | 36.27% | 37.70% | 36.19% | 37.89% | 39.65% | 39.34% |
| Debt | 60.78% | 59.70% | 60.85% | 59.48% | 58.33% | 57.90% |
| Others (incl. cash) | 1.21% | 0.81% | 1.21% | 0.98% | 0.44% | 1.31% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 1.73% | 1.79% | 1.75% | 1.65% | 1.58% | 1.45% |
Portfolio Snapshot
No. of Securities
35
P/E Ratio
22.82
P/B Ratio
3.89
Top Holding %
32.93%
Top 5 Holdings %
65.53%
Top 10 Holdings %
77.05%
Modified Duration
8.08 yrs
Avg. Maturity
16.69 yrs
Yield to Maturity
7.30%
AUM
₹47 Cr
Expense Ratio
1.25%
Since Inception
9.07%
Max Drawdown
-0.13%
Sharpe Ratio
0.41
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 | 2.24 | 4.71% | -0.38%↓ |
| State Bank of India | Financial | 12,656 | 1.22 | 2.57% | -0.27%↓ |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 1,434 | 1.17 | 2.47% | 0.17%↑ |
| Infosys Ltd. | Technology | 9,565 | 1.11 | 2.34% | -0.04%↓ |
| Bharti Airtel Ltd. | Communication | 5,836 | 1.07 | 2.25% | -0.07%↓ |
| HDFC Bank Ltd. | Financial | 12,296 | 0.92 | 1.93% | -0.07%↓ |
| ICICI Bank Ltd. | Financial | 6,821 | 0.86 | 1.81% | -0.01%↓ |
| Life Insurance Corporation of India | Insurance | 19,722 | 0.81 | 1.71% | 0.06%↑ |
| Larsen & Toubro Ltd. | Construction | 1,805 | 0.74 | 1.55% | -0.13%↓ |
| ITC Ltd. | Consumer Staples | 22,681 | 0.65 | 1.37% | -0.13%↓ |
| Hero Motocorp Ltd. | Automobile | 1,283 | 0.63 | 1.33% | -0.05%↓ |
| HCL Technologies Ltd. | Technology | 4,986 | 0.59 | 1.24% | -0.01%↓ |
| NTPC Ltd. | Energy | 14,662 | 0.57 | 1.20% | -0.03%↓ |
| Mahindra & Mahindra Ltd. | Automobile | 1,780 | 0.54 | 1.14% | -0.02%↓ |
| Varun Beverages Ltd. | Consumer Staples | 9,750 | 0.51 | 1.08% | 0.03%↑ |
| JB Chemicals & Pharmaceuticals Ltd. | Healthcare | 2,375 | 0.51 | 1.08% | 0.06%↑ |
| Kotak Mahindra Bank Ltd. | Financial | 13,371 | 0.51 | 1.08% | 0.01%↑ |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 2,446 | 0.44 | 0.93% | -0.00%↓ |
| Mankind Pharma Ltd. | Healthcare | 1,573 | 0.37 | 0.79% | -0.01%↓ |
| Tech Mahindra Ltd. | Technology | 2,250 | 0.33 | 0.70% | 0.01%↑ |
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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 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 | 31 Dec 2025 |
|---|---|---|---|---|---|---|
| Financial | 7.81% | 8.64% | 8.01% | 9.18% | 10.28% | 9.63% |
| Energy | 5.96% | 6.38% | 6.09% | 6.03% | 6.18% | 6.39% |
| Healthcare | 5.82% | 5.56% | 5.47% | 5.35% | 4.82% | 5.05% |
| Technology | 4.66% | 4.74% | 5.06% | 4.89% | 6.01% | 5.65% |
| Consumer Staples | 3.44% | 3.62% | 3.21% | 3.36% | 3.38% | 3.57% |
| Automobile | 2.47% | 2.53% | 2.52% | 2.68% | 2.76% | 2.79% |
| Communication | 2.25% | 2.31% | 2.23% | 2.20% | 2.27% | 2.31% |
| Insurance | 2.23% | 2.17% | 2.06% | 2.28% | 2.21% | 2.17% |
| Construction | 1.55% | 1.68% | 1.49% | 1.83% | 1.65% | 1.68% |
| Services | 0.07% | 0.08% | 0.07% | 0.08% | 0.08% | 0.08% |
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 | 58.25% | 30.08% |
| Cash & Call Money | 3.74% | 10.18% |
| A | - | 0.15% |
| A+ | - | 0.97% |
| A- | - | 0.11% |
| A1+ | - | 2.50% |
| AA | - | 3.64% |
| AA+ | - | 3.41% |
| AA- | - | 0.83% |
| AAA | - | 17.78% |
| B+ | - | 3.11% |
| B- | - | 2.82% |
| Cash | - | 0.65% |
| Others | - | 0.24% |
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
61.9 / 100
Weighted average Value score is 61.9. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
57.4 / 100
Weighted average Price Momentum score is 57.4. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
76.9 / 100
Weighted average Quality score is 76.9. This indicates that portfolio has high quality using composite of quality measures.
QVM score
78.3 / 100
Weighted average QVM score is 78.3. This indicates that portfolio has high QVM score and hence could be considered for investment.
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 | 32.93% |
| GOI | GOI Securities | 7.34% | 22/04/2064 | SOV | 14.73% |
| GOI | GOI Securities | 7.10% | 08/04/2034 | SOV | 10.59% |
| Others | CBLO | 0.00% | 0 | - | 2.53% |
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 sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.
How many stocks does Axis Retirement Fund - Conservative Plan Direct-Growth hold in its portfolio?
Axis Retirement Fund - Conservative Plan Direct-Growth holds 35 securities in its portfolio. The top 5 holdings account for 65.53% of the portfolio and the top 10 for 77.05%.
What is the sector allocation of Axis Retirement Fund - Conservative Plan Direct-Growth?
The sector allocation of Axis Retirement Fund - Conservative Plan Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.
What is the equity and debt allocation of Axis Retirement Fund - Conservative Plan Direct-Growth?
As of 31 May 2026, Axis Retirement Fund - Conservative Plan Direct-Growth has 36.27% in equity, 60.78% in debt and 1.21% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 7.30%.
What is the market cap allocation of Axis Retirement Fund - Conservative Plan Direct-Growth?
Axis Retirement Fund - Conservative Plan Direct-Growth's equity portfolio — Large Cap: 93.93%, Mid Cap: 3.08%, Small Cap: 2.99%. Market cap allocation determines the fund's risk profile — large cap offers stability while mid and small cap offer higher growth potential with higher volatility.
Is Axis Retirement Fund - Conservative Plan Direct-Growth a concentrated or diversified fund?
Axis Retirement Fund - Conservative Plan Direct-Growth holds 35 securities, with the top 10 accounting for 77.05% of the portfolio and the top 5 for 65.53%. This is a moderately diversified fund balancing conviction positions with risk spread.
What is the credit quality of Axis Retirement Fund - Conservative Plan Direct-Growth?
The debt holdings of Axis Retirement Fund - Conservative Plan Direct-Growth are rated as follows — SOV: 58.25%, Cash & Call Money: 3.74%. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.
How often does Axis Retirement Fund - Conservative Plan Direct-Growth change its portfolio?
The portfolio currently holds 35 securities with the top 10 accounting for 77.05% as of 31 May 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.
What is the PE ratio of Axis Retirement Fund - Conservative Plan Direct-Growth's portfolio?
The weighted average PE ratio of Axis Retirement Fund - Conservative Plan Direct-Growth's portfolio is 22.82 and the PB ratio is 3.89. The debt portfolio has a modified duration of 8.08 years and an average maturity of 16.69 years. These metrics reflect the overall valuation and interest rate sensitivity 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 May 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.