PGIM India ELSS Tax Saver Fund

Q: What are the returns of this mutual fund scheme?

The PGIM India ELSS Tax Saver Fund is a 10 yrs old fund and has delivered average annual returns of 13.7% since inception. PGIM India ELSS Tax Saver Fund Returns 1-Year 3-Year 5-Year Since Inception 6.34% 13.21% 19.82% 13.7%

Q: How much does this mutual fund charge as expense ratio?

The PGIM India ELSS Tax Saver Fund has an expense ratio of 2.26% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹35.66+0.06% 1 day change	13.7% p.a.	App exclusive #NA View Ranked Funds	₹757 Cr

Historical NAV & returns

NAV: ₹35.66 as on Oct 20, 2025

This fund Category average

PGIM India ELSS Tax Saver Fund overview

AUM (Fund size)	₹757 Cr
Exit load	0%
Lock-in Period	3 Years
Age	10 yrs since Oct 19, 2015
Benchmark	NIFTY 500 TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.26% as on Sep 30, 2025
Plan type	Regular
Risk	Very High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

PGIM India ELSS Tax Saver Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 26, 2025

Period	This fund	Category average
1 Month	3.82%	4.07%
3 Months	2.33%	3.59%
6 Months	5.58%	7.7%
1 Year	6.34%	4.38%
2 Years	16.66%	20.45%
3 Years	13.21%	17.46%
4 Years	10.61%	12.55%
5 Years	19.82%	21.07%
7 Years	15.98%	17.05%

View returns in detail

Asset allocationas on Sep 30, 2025

Large Cap 63.67%

Mid Cap 18.8%

Small Cap 12.74%

Other Cap 0%

Top holdings

HDFC Bank Ltd.8.93%

ICICI Bank Ltd.8.36%

Reliance Industries Ltd.6.37%

Bharti Airtel Ltd.3.69%

Top sectors

Financial 24.129999999999995%

Healthcare 9.75%

Services 9.36%

Automobile 6.699999999999999%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 4.74%

Reserve Bank of India 0.13%

Allocation by Instruments

CBLO 4.74%

Treasury Bills 0.13%

Other Holdings

Bifurcation by Holding is not available for this fund

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
PGIM India ELSS Tax Saver Fund	3.82%	5.58%	6.34%	13.21%	19.82%	N.A.
HDFC ELSS Tax Saver Fund	3.66%	7.63%	9.1%	21.84%	25.9%	14.26%
SBI ELSS Tax Saver Fund	4.5%	6.73%	3.58%	23.96%	25.51%	14.57%
Parag Parikh ELSS Tax Saver Fund	3.04%	6.65%	7.45%	17.54%	21.39%	12.56%
DSP ELSS Tax Saver Fund	4.15%	5.0%	4.2%	19.65%	23.36%	15.98%
Franklin India ELSS Tax Saver Fund	4.32%	5.48%	3.36%	18.34%	23.51%	13.37%

Fund name	Std. deviation	Beta	Sharpe	Sortino
PGIM India ELSS Tax Saver Fund	11.9	0.85	0.57	0.89
HDFC ELSS Tax Saver Fund	11.34	0.84	1.26	2.08
SBI ELSS Tax Saver Fund	13.2	0.96	1.24	2.04
Parag Parikh ELSS Tax Saver Fund	9.75	0.68	1.12	1.75
DSP ELSS Tax Saver Fund	13.17	0.97	0.95	1.87
Franklin India ELSS Tax Saver Fund	12.69	0.94	0.92	1.35

Fund name	ETM Rank	AUM	Fund age	Expense ratio
PGIM India ELSS Tax Saver Fund	N.A.	757 Cr	10 yrs	2.26%
HDFC ELSS Tax Saver Fund	N.A.	16,645 Cr	29 yrs 10 m	1.7%
SBI ELSS Tax Saver Fund	N.A.	30,420 Cr	18 yrs 5 m	1.58%
Parag Parikh ELSS Tax Saver Fund	N.A.	5,639 Cr	6 yrs 3 m	1.72%
DSP ELSS Tax Saver Fund	N.A.	16,749 Cr	18 yrs 10 m	1.63%
Franklin India ELSS Tax Saver Fund	N.A.	6,531 Cr	26 yrs 6 m	1.81%

View all Elss funds

Key risk & return ratios Compared to other funds in the category

Alpha	-1.35 vs. 5.52 Underperformed at beating benchmark
Sharpe	0.57 vs. 6.2 Poor risk-adjusted returns
Beta	0.85 vs. 0.95 Less sensitive to market ups & downs
Standard deviation	11.9 vs. 12.08 More stable returns

Compare PGIM India ELSS Tax Saver Fund in detail with

About this fund

About PGIM India ELSS Tax Saver Fund

PGIM India ELSS Tax Saver Fund is a ELSS mutual fund scheme from Pgim India Mutual Fund. This fund has been in existence for 10 yrs, having been launched on 19/10/2015. PGIM India ELSS Tax Saver Fund has ₹757 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of PGIM India ELSS Tax Saver Fund as of 20/10/2025 is ₹35.66. The fund has an expense ratio of 2.26%, which is higher than what most other Elss funds charge.

PGIM India ELSS Tax Saver Fund returns of last 1-year are 4.09%. Since launch, it has delivered 13.75% average annual returns. The fund has doubled the money invested in it every 5 yrs.
PGIM India ELSS Tax Saver Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund has the majority of its money invested in Financial, Healthcare, Services, Automobile, Energy sectors. It has taken less exposure in Financial, Healthcare sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., ICICI Bank Ltd., Reliance Industries Ltd., Bharti Airtel Ltd., Eternal Ltd..

...

Fund AUM	757 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Bhupesh Kalyani

Mr. Kalyani is a CA, ICWA and CISA. Prior to joining PGIM India Mutual Fund, he was associated with IDBI AMC, LIC Mutual Fund, Edelweiss Mutual Fund, Tata Mutual Fund and Star Union Dai-ichi life Insurance C.o. Ltd.

Vinay Paharia

Mr. Paharia holds a B.Com degree from Narsee Monjee College and an M.M.S. degree from Welingkar Institute of Management, Mumbai. Prior to joining PGIM India Mutual Fund, he was associated with Union Mutual Fund, Invesco Asset Management Company, L&T Mutual Fund, K R Choksey Shares and Securities Pvt Ltd (Jan 2004-Jan 2006), First Global Stock broking Pvt. Ltd (Jun 2002-Jan 2004).

Vivek Sharma

Mr. Sharma is a PGDM Finance Prior to joining PGIM India Asset Management Pvt. Ltd. - Equity Analyst and Asst. Fund Manager, he has worked with ICICI Securities Ltd. - Equity Analyst and JP Morgan Services India Pvt. Ltd.- Associate - Investment Banking.

Utsav Mehta

Mr. Mehta has done B.Com and CFA Prior to joining PGIM Mutual Fund, he has worked with Edelweiss Asset Management Ltd and Ambit Capital

Investment objective

The scheme seeks to generate long-term capital appreciation by predominantly investing in equity & equity related instruments and to enable eligible investors to avail deduction from total income, as permitted under the Income Tax Act, 1961 as amended from time to time.

PGIM India Mutual Fund details

No. of schemes	24 view all schemes
Total AUM	26,927 Cr as on Sep 30, 2025
Address	7th Floor, Radhe Empire, Chandavarkar Road Borivali (W), Mumbai Mumbai, 400092
Phone	+91 22 6159 5441 / 42 , 1800 209 7446

More funds from PGIM India Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
PGIM India Flexi Cap Fund	N.A.	6,193 Cr	7.08%	18.88%
PGIM India Large Cap Fund	N.A.	593 Cr	6.77%	15.32%
PGIM India Small Cap Fund	N.A.	1,568 Cr	5.36%	N.A.
PGIM India Global Equity Opportunities FoF	N.A.	1,615 Cr	8.54%	8.65%
PGIM India Large and Mid Cap Fund	N.A.	763 Cr	8.77%	N.A.

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of PGIM India ELSS Tax Saver Fund?

The current Net Asset Value (NAV) of the PGIM India ELSS Tax Saver Fund plan is approximately ₹35.66 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The PGIM India ELSS Tax Saver Fund is a 10 yrs old fund and has delivered average annual returns of 13.7% since inception.

PGIM India ELSS Tax Saver Fund Returns

1-Year	3-Year	5-Year	Since Inception
6.34%	13.21%	19.82%	13.7%

How much does this mutual fund charge as expense ratio?

The PGIM India ELSS Tax Saver Fund has an expense ratio of 2.26%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The PGIM India ELSS Tax Saver Fund currently has assets under management (AUM) or fund size valued at approximately 757 Cr as on Sep 30, 2025.

What are the top stock holdings of PGIM India ELSS Tax Saver Fund?

The PGIM India ELSS Tax Saver Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
HDFC Bank Ltd.	8.93%
ICICI Bank Ltd.	8.36%
Reliance Industries Ltd.	6.37%
Bharti Airtel Ltd.	3.69%
Eternal Ltd.	2.84%
Dixon Technologies (India) Ltd.	2.59%
ICICI Lombard General Insurance Company Ltd.	2.47%
UNO Minda Ltd.	2.33%
Ultratech Cement Ltd.	2.29%
Bajaj Finance Ltd.	2.26%

What are the top sectors PGIM India ELSS Tax Saver Fund has invested in?

The PGIM India ELSS Tax Saver Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	24.129999999999995%
Healthcare	9.75%
Services	9.36%
Automobile	6.699999999999999%
Energy	6.37%
Capital Goods	5.91%
Technology	5.61%
Consumer Staples	5.28%
Communication	3.69%
Materials	3.5300000000000002%

What is risk level of PGIM India ELSS Tax Saver Fund?

This is a Elss fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 3 years.

How can I redeem my investments in PGIM India ELSS Tax Saver Fund?

Redeeming your investments in the PGIM India ELSS Tax Saver Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in ELSS

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.