PGIM India Retirement Fund Direct - Growth

Q: What are the returns of PGIM India Retirement Fund?

The PGIM India Retirement Fund is a 1 yrs 2 m old fund and has delivered average annual returns of 18.84% since inception. PGIM India Retirement Fund Returns 1-Year Since Inception 16.36% 18.84%

NAV as of Jun 05, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹12.16+0.75% 1 day change	18.84% p.a.	#NA View Ranked Funds	₹81 Crs

Historical NAV & returns

NAV: ₹12.16 as on Jun 05, 2025

This fund Category average

PGIM India Retirement Fund overview

Expense ratio	0.7% as on May 31, 2025
Exit load	0%
AUM (Fund size)	₹81 Crs
Lock-in	5 Years
Age	1 yrs 2 m since Mar 26, 2024
Benchmark	BSE 500 TRI
Min. investment	This scheme is currently not buyable
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, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

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 Jun 01, 2025

Period	This fund	Category average
1 Month	5.37%	2.72%
3 Months	14.29%	10.47%
6 Months	0.0%	-1.05%
1 Year	16.36%	9.17%

View returns in detail

Asset allocationas on Apr 30, 2025

Large Cap 41.70071999999999%

Mid Cap 27.8196%

Small Cap 26.07968%

Other Cap 0.0%

Top holdings

ICICI Bank Ltd.6.89%

HDFC Bank Ltd.5.79%

Reliance Industries Ltd.4.84%

Solar Industries India Ltd.2.85%

Top sectors

Financial 18.209999999999997%

Services 12.670000000000002%

Healthcare 10.93%

Chemicals 7.72%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 3.9%

Allocation by Instruments

CBLO 3.9%

Net Receivables 0.5%

Other Holdings

Others 0.5%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
PGIM India Retirement Fund	N.A.	₹81 Crs	1 yrs 2 m	0.7%
ICICI Prudential Bluechip Fund	N.A.	₹68,034 Crs	12 yrs 5 m	0.85%
Nippon India Large Cap Fund	N.A.	₹39,677 Crs	12 yrs 5 m	0.67%
Baroda BNP Paribas Large Cap Fund	N.A.	₹2,543 Crs	12 yrs 5 m	0.77%
Edelweiss Large Cap Fund	N.A.	₹1,157 Crs	12 yrs 5 m	0.62%
Canara Robeco Bluechip Equity Fund	N.A.	₹14,965 Crs	12 yrs 5 m	0.46%

Fund name	1M	6M	1Y	3Y	5Y	10Y
PGIM India Retirement Fund	5.37%	0.0%	16.36%	N.A.	N.A.	N.A.
ICICI Prudential Bluechip Fund	2.05%	0.86%	10.68%	20.83%	24.1%	15.31%
Nippon India Large Cap Fund	4.29%	0.01%	10.58%	23.76%	26.97%	15.55%
Baroda BNP Paribas Large Cap Fund	3.19%	-2.36%	6.97%	19.63%	21.92%	14.1%
Edelweiss Large Cap Fund	2.54%	-0.31%	8.7%	19.45%	22.68%	14.05%
Canara Robeco Bluechip Equity Fund	2.4%	0.07%	12.19%	18.85%	21.89%	15.47%

Fund name	Std. deviation	Beta	Sharpe	Sortino
PGIM India Retirement Fund	N.A.	N.A.	N.A.	N.A.
ICICI Prudential Bluechip Fund	12.54	0.89	1.06	1.87
Nippon India Large Cap Fund	13.18	0.94	1.19	2.01
Baroda BNP Paribas Large Cap Fund	13.37	0.95	0.94	1.45
Edelweiss Large Cap Fund	13.05	0.94	0.94	1.54
Canara Robeco Bluechip Equity Fund	12.51	0.9	0.93	1.49

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 2 m, having been launched on 26/03/2024. PGIM India Retirement Fund Direct - Growth has ₹81 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of PGIM India Retirement Fund Direct - Growth as of 05/06/2025 is ₹12.16. 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 18.40%. Since launch, it has delivered 18.72% 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., Solar Industries India Ltd., Bharti Airtel Ltd..

...

Fund AUM	₹81 Crs as on Mar 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	₹24,165 Crs as on Mar 31, 2025
Address	204, 2nd Floor, Jalaram Business Centre, Ganjawala Lane Near Chamunda Circle, Borivali (W) Mumbai, 400092
Phone	022-61593000 / 1800-266-2667

More funds from PGIM India Mutual Fund

Fund name	ETM Rank	AUM (in Crs.)	1Y	5Y
PGIM India Midcap Opportunities Fund	N.A.	₹10,602 Crs	10.25%	31.27%
PGIM India Flexi Cap Fund	N.A.	₹6,143 Crs	11.85%	24.56%
PGIM India ELSS Tax Saver Fund	N.A.	₹764 Crs	11.93%	23.79%
PGIM India Large Cap Fund	N.A.	₹593 Crs	9.08%	19.42%
PGIM India Global Equity Opportunities Fund	N.A.	₹1,301 Crs	5.16%	12.57%
PGIM India Small Cap Fund	N.A.	₹1,399 Crs	12.0%	N.A.

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of PGIM India Retirement Fund?

The current Net Asset Value (NAV) of the PGIM India Retirement Fund - Direct Growth plan is approximately ₹12.16 as of Jun 05, 2025.

What are the returns of this mutual fund scheme?

The PGIM India Retirement Fund is a 1 yrs 2 m old fund and has delivered average annual returns of 18.84% since inception.

PGIM India Retirement Fund Returns

1-Year	Since Inception
16.36%	18.84%

How much does this mutual fund charge as expense ratio?

The PGIM India Retirement Fund - Direct Growth has an expense ratio of 0.7%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

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 ₹81 Crs crore as of Mar 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.	6.89%
HDFC Bank Ltd.	5.79%
Reliance Industries Ltd.	4.84%
Solar Industries India Ltd.	2.85%
Bharti Airtel Ltd.	2.68%
Tata Consultancy Services Ltd.	2.57%
Axis Bank Ltd.	2.46%
Dixon Technologies (India) Ltd.	2.14%
Interglobe Aviation Ltd.	2.07%
Varun Beverages Ltd.	1.85%

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	18.209999999999997%
Services	12.670000000000002%
Healthcare	10.93%
Chemicals	7.72%
Consumer Staples	7.529999999999999%
Energy	6.4%
Technology	5.95%
Capital Goods	5.36%
Automobile	3.6599999999999997%
Communication	3.43%

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?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

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 and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in PGIM India Retirement Fund is complete.

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

Redeeming your investments in PGIM India Retirement Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

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

ET Money rank

in Large Cap

#NA

Return Outperformance: This fund has generated highest return amongst Large Cap funds in the last 1 Year.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.