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Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth vs Axis Retirement Fund - Dynamic Plan - Direct Growth
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth and Axis Retirement Fund - Dynamic Plan are both in the Retirement Fund category, from Aditya Birla Sun Life AMC Limited and Axis Asset Management Co. Ltd. respectively. Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has posted a higher 3-year rolling CAGR. Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has the lower direct-plan expense ratio, by 0.00 percentage points.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | Axis Retirement Fund - Dynamic Plan - Direct Growth | |
|---|---|---|
| Category | Retirement Fund | Retirement Fund |
| AMC | Aditya Birla Sun Life AMC Limited | Axis Asset Management Co. Ltd. |
| Benchmark | Nifty 500 TRI | CRISIL Hybrid 35+65 - Aggressive Index |
| NAV | ₹24.221 (2026-10-28) | ₹20.77 (2026-10-28) |
| AUM | ₹451.063 Cr | ₹264.876 Cr |
| Expense Ratio (Direct) | 1.35% | 1.35% |
| Inception | 2019-02-19 | 2019-11-29 |
Returns
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth leads on 3-year rolling CAGR (14.8% vs Axis Retirement Fund - Dynamic Plan's 14.3%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has been the more volatile of the two by standard deviation.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | Axis Retirement Fund - Dynamic Plan - Direct Growth | |
|---|---|---|
| 3Y Sharpe Ratio | 0.44 | 0.21 |
| 3Y Alpha | 5.1678% | 1.73% |
| 3Y Std Deviation | 14.3683% | 12.2561% |
| 3Y Calmar Ratio | 0.71 | 0.61 |
Portfolio Analytics
Axis Retirement Fund - Dynamic Plan carries the higher portfolio YTM.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | Axis Retirement Fund - Dynamic Plan - Direct Growth | |
|---|---|---|
| P/E Ratio | 29.8704 | 26.913 |
| P/B Ratio | 6.656 | 7.3487 |
| Dividend Yield | 0.8311% | 0.9188% |
| Active Share | - | - |
| Portfolio Turnover | 48% | - |
| YTM | 6.99% | 7.701% |
| Duration (Macaulay) | - | 6.06 yrs |
Punji Fund Health Score
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a higher 3-year return, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Axis Retirement Fund - Dynamic Plan?
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's 3-year rolling CAGR of 14.8% is higher than Axis Retirement Fund - Dynamic Plan's 14.3%. Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth sits in the 70th percentile of its category on this metric, versus the 63rd percentile for Axis Retirement Fund - Dynamic Plan - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Axis Retirement Fund - Dynamic Plan?
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's direct-plan expense ratio is 0.00 percentage points lower than Axis Retirement Fund - Dynamic Plan's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which fund carries more risk, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Axis Retirement Fund - Dynamic Plan?
By standard deviation (a measure of how much a fund's returns swing around its own average), Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has been more volatile than Axis Retirement Fund - Dynamic Plan over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (0.44 for Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth vs 0.21 for Axis Retirement Fund - Dynamic Plan) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Axis Retirement Fund - Dynamic Plan?
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has ₹451 Cr in assets under management, versus ₹265 Cr for Axis Retirement Fund - Dynamic Plan. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which has a higher yield to maturity (YTM), Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Axis Retirement Fund - Dynamic Plan?
Axis Retirement Fund - Dynamic Plan's portfolio YTM (7.701%) is higher than Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's. YTM is the weighted-average return a debt fund's current bond holdings would earn if held to maturity, assuming no defaults and coupons reinvested at the same rate - a useful forward-looking yield estimate for debt funds the way rolling CAGR is for equity funds, though it's an estimate based on today's portfolio, not a guaranteed return, and can move as bonds are bought/sold or as interest rates change.
Which fund has a longer track record, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Axis Retirement Fund - Dynamic Plan?
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth launched on 2019-02-19, making it older than Axis Retirement Fund - Dynamic Plan (launched 2019-11-29). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.