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Unrated

Axis Retirement Savings Fund - Conservative Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.18 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.31 Lakh

Suitability:

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 6.70 0.14 -0.08 1.46 5.82 4.97 17.64 -- -- -- --
VR MIP TRI 5.25 0.45 -0.26 0.02 4.03 4.15 14.96 -- -- -- --
Hybrid: Conservative Hybrid 6.02 0.11 0.18 1.20 4.25 5.39 13.81 -- -- -- --
Rank within category 10 12 34 11 5 17 9 -- -- -- --
Number of funds in category 34 37 37 37 36 34 34 31 31 28 26

As on 23-Jul-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Axis Retirement Savings Fund - Conservative Plan - Regular Plan
Unrated
Dec-19 17.64 -- -- 2.09 101
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 12.53 9.33 9.28 1.74 3,287
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 19.75 10.25 8.43 1.87 2,525
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 18.87 10.13 8.39 1.15 1,845
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 18.74 11.38 9.39 2.10 678

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.79 24-Mar-2020 - 31-Mar-2020 -7.36 11-Mar-2020 - 18-Mar-2020
Month 7.59 24-Mar-2020 - 23-Apr-2020 -12.76 20-Feb-2020 - 23-Mar-2020
Quarter 11.58 15-Oct-2020 - 14-Jan-2021 -6.72 17-Feb-2020 - 18-May-2020
Year 27.52 23-Mar-2020 - 23-Mar-2021 11.57 24-Feb-2020 - 23-Feb-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR MIP TRI* 9.55 6.87 0.78 0.91 -- --
Hybrid: Conservative Hybrid* 7.33 6.48 0.58 0.68 0.72 -0.71
Rank within category -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

The Risk Measures have been calculated using calendar month returns for the last three years.

As on

* As on 30-Jun-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 26
Number of Bonds 8
Average Maturity (yrs) 6.66
Top 10 Holdings (%) 54.32
Portfolio P/B Ratio 4.59
Portfolio P/E Ratio 25.79

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal Reserve Bank of India 182-D 19/08/2021 Treasury Bills SOV 0.00 - 14.76 14.76
equal 8.85% REC 16/04/2029 Non Convertible Debenture AAA 9.00 - 9.55 9.32
equal 7.84% Bank of Baroda 15/01/2035 Additional Tier 2 Bond AAA 7.34 - 9.29 7.55
new 6.76% GOI 22/02/2061 GOI Securities SOV 0.00 - 4.72 4.72
equal 8.85% Power Finance Corporation 25/05/2029 Bonds/NCDs AAA 4.33 - 9.59 4.40
equal 7.70% Nat. Highways Authority 13/09/2029 Non Convertible Debenture AAA 4.03 - 9.61 4.16
equal 7.48% Indian Railway Finance Corporation 13/08/2029 Non Convertible Debenture AAA 1.99 - 9.29 2.06
equal Others CBLO -- - 16.55

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal TTK Prestige Consumer Durable 54.32 2.77 0.00 2.77
equal Mphasis Technology 36.91 2.48 0.00 2.27
equal Colgate-Palmolive FMCG 47.16 2.20 0.00 2.20
down ICICI Securities Financial 19.78 2.38 0.00 2.17
equal Pfizer Healthcare 51.73 2.09 0.00 2.09
equal Bajaj Auto Automobile 19.75 2.48 0.00 2.06
down Hindustan Zinc Metals 16.16 2.09 0.00 2.01
down Larsen & Toubro Construction 19.55 2.39 0.00 2.00
equal Exide Industries Engineering 18.75 2.17 0.00 1.96
equal Mahindra & Mahindra Automobile 52.39 1.97 0.00 1.92
equal Tech Mahindra Technology 24.74 1.87 0.00 1.87
equal HCL Technologies Technology 23.63 1.86 0.00 1.86
equal Hero Motocorp Automobile 19.42 2.06 0.00 1.80
equal Wipro Technology 28.18 1.69 0.00 1.69
equal Petronet LNG Energy 11.21 1.86 0.00 1.67
equal Infosys Technology 33.24 1.47 0.00 1.47
equal Zee Entertainment Services 24.71 2.24 0.00 1.12
equal Symphony Consumer Durable 67.37 2.08 0.00 1.10
equal Sundaram Finance Financial 24.53 1.90 0.00 0.97
equal Maruti Suzuki India Automobile 50.17 1.88 0.00 0.89
equal Sanofi India Healthcare 34.27 0.89 0.00 0.89
equal Coromandel International Chemicals 19.19 0.81 0.00 0.81
equal Indus Towers Communication 15.73 0.71 0.00 0.67
equal ITC FMCG 19.86 0.69 0.00 0.65
down Tata Communications Communication 31.26 0.62 0.00 0.56

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Jun-2021

Fund Manager

— Jinesh Gopani since 29-Nov-2019

Education: Mr. Gopani is a B. Com (H) and MMS from Bharati Vidyapeeth Institute of Management Studies and Research.

Experience: Prior to joining Axis AMC he has worked with Birla Sun Life AMC, Voyager India Capital Pvt. Ltd., Emkay Shares & Stock Brokers Limited and Net worth Stock Broking Limited.

Interviews:

Funds Managed:

— R Sivakumar since 29-Nov-2019

Education: Mr. Sivakumar is a B.Tech from IIT Madras and MBA from IIM Ahmedabad.

Experience: Prior to joining Axis AMC he has worked with BNP Paribas Mutual Fund, Sundaram Mutual Fund (2001-2004), HDFC Mutual Fund and ITC Threadneedle.

Funds Managed:


0.14%

Change from previous, NAV as on 23-Jul-2021

Growth: ₹ 12.1515

IDCW: ₹ 12.1507


Investment Strategy

The schemes seeks to generate regular income through investments predominantly in debt and money market instruments and to generate long term capital appreciation by investing certain portion of the portfolio in equity and equity related securities.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 100
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
Minimum Balance (₹) 500
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: Axis Mutual Fund
Launch Date: 20-Dec-2019
Return Since Launch: 13.02%
Benchmark: NIFTY 50 Hybrid Short Duration Debt 25:75
Riskometer: High
Type: Open-ended
Assets: ₹ 101 Cr (As on 30-Jun-2021)
Expense: 2.09% (As on 30-Jun-2021)
Risk Grade: --
Return Grade: --
Turnover: --

Contact Information

AMC: Axis Asset Management Company Ltd.

Address: "Axis House" - 1st Floor, C-2 - Wadia International Centre, Pandurang Budhkar Marg , Worli, Mumbai - 400025

Phone: 022-24255161

Fax: 022-43255199

Email: [email protected] / [email protected]

Website: http://www.axismf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

Last Session

Investors' Hangout

How to crash-proof your equity investments

DateFriday, 23-Jul-2021
Time12:30 PM - 01:00 PM

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