{"id":249491,"date":"2026-09-16T14:06:46","date_gmt":"2026-09-16T08:36:46","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/"},"modified":"2026-09-16T14:06:46","modified_gmt":"2026-09-16T08:36:46","slug":"axis-retirement-fund-aggressive-direct-growth-plan-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/","title":{"rendered":"Axis Retirement Fund-Aggressive Direct Growth Plan Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/axis-retirement-fund-aggressive-plan-g-direct-plan\">Axis Retirement Fund-Aggressive Plan Direct Growth Plan<\/a> has a NAV of \u20b919.84 as of 15 September 2026 and an AUM of \u20b9705 Cr. Its 1-year, 3-year and 5-year returns are 0.15%, 11.05% and 7.25%, respectively, and the scheme sits in the High Risk category.<\/p>\n<p>Our view is that this fund fits investors who can accept a higher level of volatility in exchange for a multi-year equity-oriented retirement allocation. The recent 1-year outcome has been weak, but the 3-year and 5-year numbers are more constructive, and the portfolio still carries a meaningful allocation to government securities alongside large-cap equity names.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Should_you_BUY_or_HOLD_Axis_Retirement_Fund-Aggressive_Plan\" title=\"Should you BUY or HOLD Axis Retirement Fund-Aggressive Plan?\">Should you BUY or HOLD Axis Retirement Fund-Aggressive Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#What_is_the_current_NAV_of_Axis_Retirement_Fund-Aggressive_Plan_Direct_Growth_Plan\" title=\"What is the current NAV of Axis Retirement Fund-Aggressive Plan Direct Growth Plan?\">What is the current NAV of Axis Retirement Fund-Aggressive Plan Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#How_does_the_fund_compare_with_the_benchmark\" title=\"How does the fund compare with the benchmark?\">How does the fund compare with the benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#How_does_it_compare_with_other_retirement_funds_on_available_return_data\" title=\"How does it compare with other retirement funds on available return data?\">How does it compare with other retirement funds on available return data?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#What_is_the_risk_level_and_who_manages_the_fund\" title=\"What is the risk level, and who manages the fund?\">What is the risk level, and who manages the fund?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/axis-retirement-fund-aggressive-direct-growth-plan-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b919.84 as of 15 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9705 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>1.06%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>20 Dec 2019<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Solution Oriented<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Jayesh Sundar, Devang Shah, Hardik Shah, Krishnaa N<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Jayesh Sundar, Devang Shah, Hardik Shah and Krishnaa N.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-3.88%<\/td>\n<td>-4.81%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>-0.2%<\/td>\n<td>-3.63%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>0.15%<\/td>\n<td>-8.27%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>11.05%<\/td>\n<td>5.59%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>7.25%<\/td>\n<td>5.58%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent picture is mixed. Over 1 month and 3 months, the fund stayed negative, but it still held up better than the benchmark in both periods. That suggests the portfolio has not been immune to market pressure, yet it has been somewhat less weak than the index in the near term.<\/p>\n<p>The 1-year return is the main weak spot because it is only 0.15%, while the benchmark was negative by a wider margin. That tells us the fund protected capital better than the benchmark over the year, but it did not create much positive compounding for the investor. The short-term pattern is therefore more about relative resilience than absolute strength.<\/p>\n<p>The longer view is more encouraging. The 3-year return of 11.05% is clearly ahead of the benchmark\u2019s 5.59%, and the 5-year return of 7.25% also remains above the benchmark\u2019s 5.58%. On that basis, the fund has created a better medium-term outcome than the index, even though the return path has not been smooth.<\/p>\n<p>The series behaviour also points to periods of recovery after drawdowns, which is what we would expect from a higher-risk retirement-oriented equity strategy. Still, the near-term weakness means the fund\u2019s recent behaviour is less supportive than its 3-year and 5-year track record.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Axis_Retirement_Fund-Aggressive_Plan\"><\/span>Should you BUY or HOLD Axis Retirement Fund-Aggressive Plan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Axis Retirement Fund-Aggressive Plan? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-retirement-fund-aggressive-plan-g-direct-plan\">Axis Retirement Fund-Aggressive Plan Direct Growth Plan<\/a><\/td>\n<td>0.15%<\/td>\n<td>11.05%<\/td>\n<td>7.25%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-retirement-fund-30-g-direct-plan\">Aditya Birla SL Retirement Fund-30 Direct Growth Plan<\/a><\/td>\n<td>11.24%<\/td>\n<td>14.92%<\/td>\n<td>11.8%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-retirement-sav-fund-prog-plan-g-direct-plan\">Tata Retirement Sav Fund &#8211; Prog Plan Direct Growth Plan<\/a><\/td>\n<td>7.73%<\/td>\n<td>12.85%<\/td>\n<td>11%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-retirement-sav-fund-mod-plan-g-direct-plan\">Tata Retirement Sav Fund &#8211; Mod Plan Direct Growth Plan<\/a><\/td>\n<td>7.39%<\/td>\n<td>12.13%<\/td>\n<td>10.87%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-hybrid-aggressive-plan-g-direct-plan\">ICICI Pru Retirement Fund-Hybrid Aggressive Plan Direct Growth Plan<\/a><\/td>\n<td>5.77%<\/td>\n<td>16.4%<\/td>\n<td>14.68%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-retirement-benefit-fund-aggressive-hybrid-plan-g-direct-plan\">SBI Retirement Benefit Fund-Aggressive Hybrid Plan Direct Growth Plan<\/a><\/td>\n<td>5.21%<\/td>\n<td>9.02%<\/td>\n<td>11.33%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. The fund\u2019s 1-year return is well below the strongest peer figures, but its 3-year and 5-year returns are less stretched versus the better long-term peer outcomes. That gives the comparison two different messages: the latest period has been disappointing, while the longer holding periods still show a competitive result versus several peers.<\/p>\n<p>Among the peer set with available figures, the fund also trails the strongest 3-year and 5-year numbers by a noticeable margin. Even so, it is not outside the better long-term cluster, because its multi-year returns remain above some peer outcomes and above the benchmark. For investors, that split matters: the near term has been weak, but the longer-term path is still usable for a retirement portfolio that can tolerate swings.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>7.1% Government of India (08\/04\/2034)<\/td>\n<td>Government Securities<\/td>\n<td>6.1%<\/td>\n<\/tr>\n<tr>\n<td>Reliance Industries Limited<\/td>\n<td>Crude Oil<\/td>\n<td>5.24%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Bank Limited<\/td>\n<td>Bank<\/td>\n<td>5.11%<\/td>\n<\/tr>\n<tr>\n<td>6.79% Government of India (07\/10\/2034)<\/td>\n<td>Government Securities<\/td>\n<td>4.93%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Limited<\/td>\n<td>Bank<\/td>\n<td>4.4%<\/td>\n<\/tr>\n<tr>\n<td>Clearing Corporation of India Ltd<\/td>\n<td>Cash &#038; Cash Equivalents and Net Assets<\/td>\n<td>3.71%<\/td>\n<\/tr>\n<tr>\n<td>7.25% Government of India (12\/06\/2063)<\/td>\n<td>Government Securities<\/td>\n<td>3.36%<\/td>\n<\/tr>\n<tr>\n<td>7.18% Government of India (24\/07\/2037)<\/td>\n<td>Government Securities<\/td>\n<td>2.87%<\/td>\n<\/tr>\n<tr>\n<td>Bharti Airtel Limited<\/td>\n<td>Telecom<\/td>\n<td>2.66%<\/td>\n<\/tr>\n<tr>\n<td>State Bank of India<\/td>\n<td>Bank<\/td>\n<td>2.57%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 40.95% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/axis-retirement-fund-aggressive-plan-g-direct-plan\">Axis Retirement Fund-Aggressive Plan Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding is the 7.1% Government of India security maturing on 08\/04\/2034 at 6.1%, followed by Reliance Industries at 5.24% and ICICI Bank at 5.11%. That gives the portfolio a clear anchor in one sovereign bond position, with several large equity and fixed-income positions supporting it.<\/p>\n<p>The weight then eases down gradually rather than dropping sharply. By the tenth holding, the allocation is 2.57%, so the top end is meaningfully stronger than the rest of the visible list, but not dominated by one or two outsized positions alone.<\/p>\n<p>With 40.95% of the portfolio in the top 10 holdings and 56 disclosed holdings in total, the fund appears to be moderately spread out while still leaving a noticeable share of assets in its largest names. That structure may allow the biggest positions to matter, but the longer tail could still soften concentration at the margin.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is suited to investors who can tolerate High Risk and who are comfortable with uneven short-term returns in pursuit of longer-horizon retirement compounding. The 1-year result has been flat, but the 3-year and 5-year figures are stronger and sit above the benchmark, which points to a strategy that may reward patience more than quick entry and exit.<\/p>\n<p>The main trade-off is that the fund can lag badly over shorter windows even while still building value over longer periods. The portfolio mix also suggests that investors are accepting both equity volatility and some bond-like ballast, so the holding period should be long enough for the strategy to work through cycles.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Axis_Retirement_Fund-Aggressive_Plan_Direct_Growth_Plan\"><\/span>What is the current NAV of Axis Retirement Fund-Aggressive Plan Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b919.84 as of 15 September 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s 1-year return is 0.15%, its 3-year return is 11.05% and its 5-year return is 7.25%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_the_benchmark\"><\/span>How does the fund compare with the benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has done better than the Nifty 50 over 3 years and 5 years, and it has also held up better over the 1-year period even though that period was weak for both.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_other_retirement_funds_on_available_return_data\"><\/span>How does it compare with other retirement funds on available return data?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its recent 1-year return trails the stronger peer numbers, while its 3-year and 5-year figures are still competitive versus several peers. The comparison is mixed because the short-term result is softer than the longer-term record.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b91,000.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_risk_level_and_who_manages_the_fund\"><\/span>What is the risk level, and who manages the fund?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is classified as High Risk and is managed by Jayesh Sundar, Devang Shah, Hardik Shah and Krishnaa N. It also has no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund\u2019s recent performance is weaker than its longer-term record, but the 3-year and 5-year returns still sit above the benchmark, which makes the medium-term picture more useful than the last year alone. Compared with peers, the short-term return is soft, while the longer-term returns remain workable rather than weak. The portfolio is anchored by a large government security and several large-cap names, so the fund may suit investors who accept High Risk and want a retirement-oriented holding with some fixed-income support.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 16 September 2026 at 2:05 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Axis Retirement Fund-Aggressive Plan Direct Growth Plan\",\"identifier\":\"axis-retirement-fund-aggressive-plan-g-direct-plan\",\"category\":\"Solution Oriented\",\"dateCreated\":\"20 Dec 2019\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":19.84,\"valueReference\":\"as of 15 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"705 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"1.06\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":0.15},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":11.05},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":7.25},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Jayesh Sundar, Devang Shah, Hardik Shah, Krishnaa N\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Axis Retirement Fund-Aggressive Plan Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b919.84 as of 15 September 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year return is 0.15%, its 3-year return is 11.05% and its 5-year return is 7.25%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the Nifty 50 over 3 years and 5 years, and it has also held up better over the 1-year period even though that period was weak for both.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with other retirement funds on available return data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its recent 1-year return trails the stronger peer numbers, while its 3-year and 5-year figures are still competitive versus several peers. The comparison is mixed because the short-term result is softer than the longer-term record.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b91,000.\"}},{\"@type\":\"Question\",\"name\":\"What is the risk level, and who manages the fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is classified as High Risk and is managed by Jayesh Sundar, Devang Shah, Hardik Shah and Krishnaa N. It also has no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Axis Retirement Fund-Aggressive Plan Direct Growth Plan has a \u20b919.84 NAV and 0.15% 1-year return, with stronger 3-year and 5-year numbers.<\/p>\n","protected":false},"author":38,"featured_media":249490,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-249491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["249490"],"rank_math_title":["Axis Retirement Fund Aggressive | NAV, Returns, Review"],"rank_math_description":["Axis Retirement Fund-Aggressive Plan Direct Growth Plan has a \u20b919.84 NAV and 0.15% 1Y return as of 15 Sep 2026."],"rank_math_focus_keyword":["Axis Retirement Fund-Aggressive Plan Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Axis_Retirement_Fund_Aggressive_Direct_Growth_Plan_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/249491","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=249491"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/249491\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/249490"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=249491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=249491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=249491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}