PGIM India Retirement Fund Direct - Growth

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

The PGIM India Retirement Fund Direct - Growth is a 1 yrs 8 m old fund and has delivered average annual returns of 13.31% since inception. PGIM India Retirement Fund Direct - Growth Returns 1-Year Since Inception 3.27% 13.31%

NAV as of Dec 04, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹12.28+0.0% 1 day change	13.31% p.a.	App exclusive #NA View Ranked Funds	₹96 Cr

Historical NAV & returns

NAV: ₹12.28 as on Dec 04, 2025

This fund Category average

PGIM India Retirement Fund overview

Expense ratio	0.7% as on Nov 30, 2025
Exit load	0%
AUM (Fund size)	₹96 Cr
Lock-in Period	5 Years
Age	1 yrs 8 m since Mar 26, 2024
Benchmark	BSE 500 TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
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 Retirement 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 Dec 01, 2025

Period	This fund	Category average
1 Month	-1.83%	1.49%
3 Months	-0.56%	4.0%
6 Months	2.67%	5.35%
1 Year	3.27%	4.56%

View returns in detail

Asset allocationas on Oct 31, 2025

Large Cap 42.27%

Mid Cap 25.62%

Small Cap 27.63%

Other Cap 0%

Top holdings

ICICI Bank Ltd.5.44%

HDFC Bank Ltd.4.97%

Reliance Industries Ltd.4.29%

Bharti Airtel Ltd.2.23%

Top sectors

Financial 16.07%

Services 13.469999999999999%

Healthcare 12.52%

Chemicals 7.32%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 4.18%

Reserve Bank of India 0.15%

Allocation by Instruments

CBLO 4.18%

Treasury Bills 0.15%

Net Receivables 0.15%

Other Holdings

Others 0.15%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
PGIM India Retirement Fund	-1.83%	2.67%	3.27%	N.A.	N.A.	N.A.
ICICI Prudential Large Cap Fund	1.67%	7.57%	8.45%	17.99%	20.12%	15.85%
Nippon India Large Cap Fund	0.37%	6.6%	7.16%	19.32%	22.71%	15.99%
Canara Robeco Large Cap Fund	0.37%	5.71%	6.14%	15.93%	17.21%	15.92%
Edelweiss Large Cap Fund	0.92%	6.25%	6.2%	16.07%	17.73%	14.97%
Baroda BNP Paribas Large Cap Fund	1.8%	5.51%	3.47%	16.17%	17.64%	14.63%

Fund name	Std. deviation	Beta	Sharpe	Sortino
PGIM India Retirement Fund	N.A.	N.A.	N.A.	N.A.
ICICI Prudential Large Cap Fund	11.16	0.89	1.0	1.61
Nippon India Large Cap Fund	11.56	0.92	1.07	1.65
Canara Robeco Large Cap Fund	11.2	0.91	0.84	1.27
Edelweiss Large Cap Fund	11.77	0.96	0.81	1.22
Baroda BNP Paribas Large Cap Fund	12.21	0.97	0.79	1.14

Fund name	ETM Rank	AUM	Fund age	Expense ratio
PGIM India Retirement Fund	N.A.	96 Cr	1 yrs 8 m	0.7%
ICICI Prudential Large Cap Fund	N.A.	75,863 Cr	12 yrs 11 m	0.84%
Nippon India Large Cap Fund	N.A.	48,871 Cr	12 yrs 11 m	0.66%
Canara Robeco Large Cap Fund	N.A.	17,234 Cr	12 yrs 11 m	0.46%
Edelweiss Large Cap Fund	N.A.	1,408 Cr	12 yrs 11 m	0.61%
Baroda BNP Paribas Large Cap Fund	N.A.	2,729 Cr	12 yrs 11 m	0.76%

View all Large Cap funds

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

Risk ratios are based on three-year data. The required data is unavailable for the scheme.

Compare PGIM India Retirement Fund in detail with

About this fund

About PGIM India Retirement Fund

PGIM India Retirement Fund Direct - Growth is a Large Cap mutual fund scheme from Pgim India Mutual Fund. This fund has been in existence for 1 yrs 8 m, having been launched on 26/03/2024. PGIM India Retirement Fund Direct - Growth has ₹96 Crores worth of assets under management (AUM) as on 31/10/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of PGIM India Retirement Fund Direct - Growth as of 04/12/2025 is ₹12.28. The fund has an expense ratio of 0.7%, which is close to what most other Large Cap funds charge.

PGIM India Retirement Fund Direct - Growth returns of last 1-year are 2.25%. Since launch, it has delivered 13.36% average annual returns.
The fund has the majority of its money invested in Financial, Services, Healthcare, Chemicals, Consumer Staples sectors. It has taken less exposure in Financial, Services sectors compared to other funds in the category.
The fund's top 5 holdings are in ICICI Bank Ltd., HDFC Bank Ltd., Reliance Industries Ltd., Bharti Airtel Ltd., Multi Commodity Exchange Of India Ltd..

...

Fund AUM	96 Cr as on Oct 31, 2025
Scheme document	View Scheme Document

Fund managers

Puneet Pal

Mr. Pal is a B.Com (H) and MBA from SIBM Pune. Prior to joining PGIM India Mutual Fund, he has worked with BNP Paribas AMC as Head Fixed Income, UTI AMC as Sr. Vice President & Fund Manager & TATA AMC as Fund Manager.

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).

Anandha Padmanabhan Anjeneyan

Mr. Anjeneyan is a B. Com, ACA, CFA, FRM Prior to joining PGIM India Asset Management Pvt Ltd, he has worked with Renaissance Investment Managers Private Limited, Canara Robeco Asset Management Company Limited.

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.

Investment objective

The scheme seeks to provide capital appreciation and income to investors in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments, REITs and InvITs, and fixed income securities.

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 Midcap Fund	N.A.	11,581 Cr	2.6%	22.01%
PGIM India ELSS Tax Saver Fund	N.A.	782 Cr	4.17%	18.57%
PGIM India Flexi Cap Fund	N.A.	6,399 Cr	5.62%	17.5%
PGIM India Large Cap Fund	N.A.	609 Cr	7.41%	14.68%
PGIM India Small Cap Fund	N.A.	1,634 Cr	0.75%	N.A.
PGIM India Global Equity Opportunities FoF	N.A.	1,662 Cr	8.33%	8.62%

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of PGIM India Retirement Fund Direct - Growth?

The current Net Asset Value (NAV) of the PGIM India Retirement Fund - Direct Growth plan is approximately ₹12.28 as of Dec 04, 2025.

What are the returns of this mutual fund scheme?

The PGIM India Retirement Fund Direct - Growth is a 1 yrs 8 m old fund and has delivered average annual returns of 13.31% since inception.

PGIM India Retirement Fund Direct - Growth Returns

1-Year	Since Inception
3.27%	13.31%

How much does this mutual fund charge as expense ratio?

The PGIM India Retirement Fund - Direct Growth has an expense ratio of 0.7%, 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 Retirement Fund currently has assets under management (AUM) or fund size valued at approximately 96 Cr as on Oct 31, 2025.

What are the top stock holdings of PGIM India Retirement Fund?

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

Company	Percentage of Portfolio
ICICI Bank Ltd.	5.44%
HDFC Bank Ltd.	4.97%
Reliance Industries Ltd.	4.29%
Bharti Airtel Ltd.	2.23%
Multi Commodity Exchange Of India Ltd.	2.18%
Bajaj Finance Ltd.	2.08%
Solar Industries India Ltd.	2.05%
Eternal Ltd.	1.91%
Tata Consultancy Services Ltd.	1.9%
Interglobe Aviation Ltd.	1.86%

What are the top sectors PGIM India Retirement Fund has invested in?

The PGIM India Retirement Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	16.07%
Services	13.469999999999999%
Healthcare	12.52%
Chemicals	7.32%
Consumer Staples	6.92%
Automobile	5.77%
Energy	5.489999999999999%
Capital Goods	5.01%
Materials	4.63%
Technology	4.449999999999999%

What is risk level of PGIM India Retirement Fund?

This is a Large Cap 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 5 years.

How do I invest in PGIM India Retirement Fund Direct - Growth?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for PGIM India Retirement Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the PGIM India Retirement Fund is complete.

How can I redeem my investments in PGIM India Retirement Fund?

Redeeming your investments in the PGIM India Retirement 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.