PGIM India Retirement Fund

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

The PGIM India Retirement Fund is a 1 yrs 10 m old fund and has delivered average annual returns of 7.05% since inception. PGIM India Retirement Fund Returns 1-Year Since Inception 1.99% 7.05%

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

The PGIM India Retirement Fund has an expense ratio of 2.33% , 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 Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹11.29-0.88% 1 day change	7.05% p.a.	App exclusive #NA View Ranked Funds	₹96 Cr

Historical NAV & returns

NAV: ₹11.29 as on Feb 02, 2026

This fund Category average

PGIM India Retirement Fund overview

AUM (Fund size)	₹96 Cr
Exit load	0%
Lock-in Period	5 Years
Age	1 yrs 10 m since Mar 26, 2024
Benchmark	BSE 500 TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.33% as on Feb 02, 2026
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 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 Feb 03, 2026

Period	This fund	Category average
1 Month	-5.6%	-4.41%
3 Months	-7.76%	-3.46%
6 Months	-6.54%	0.28%
1 Year	1.99%	6.36%

View returns in detail

Asset allocationas on Dec 31, 2025

Large Cap 38.13%

Mid Cap 30.37%

Small Cap 25.98%

Other Cap 0%

Top holdings

ICICI Bank Ltd.5.42%

HDFC Bank Ltd.4.98%

Reliance Industries Ltd.4.52%

Multi Commodity Exchange Of India Ltd.2.62%

Top sectors

Financial 16.060000000000002%

Services 12.88%

Healthcare 12.069999999999999%

Chemicals 7.58%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 5.31%

Reserve Bank of India 0.15%

Allocation by Instruments

CBLO 5.31%

Treasury Bills 0.15%

Net Receivables 0.05999999%

Other Holdings

Others 0.06%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
PGIM India Retirement Fund	-5.6%	-6.54%	1.99%	N.A.	N.A.	N.A.
ICICI Prudential Large Cap Fund	-4.56%	1.68%	9.67%	17.16%	15.45%	15.48%
Nippon India Large Cap Fund	-4.28%	0.55%	8.63%	18.0%	17.5%	15.58%
HDFC Large Cap Fund	-4.33%	0.96%	6.4%	14.8%	14.4%	14.82%
Canara Robeco Large Cap Fund	-4.24%	-0.32%	5.87%	14.33%	12.05%	14.86%
Baroda BNP Paribas Large Cap Fund	-4.01%	0.32%	5.88%	15.09%	12.83%	13.68%

Fund name	Std. deviation	Beta	Sharpe	Sortino
PGIM India Retirement Fund	N.A.	N.A.	N.A.	N.A.
ICICI Prudential Large Cap Fund	11.13	0.91	0.98	1.55
Nippon India Large Cap Fund	11.48	0.93	1.04	1.59
HDFC Large Cap Fund	11.37	0.93	0.79	1.21
Canara Robeco Large Cap Fund	11.03	0.92	0.8	1.2
Baroda BNP Paribas Large Cap Fund	11.95	0.97	0.78	1.12

Fund name	ETM Rank	AUM	Fund age	Expense ratio
PGIM India Retirement Fund	N.A.	96 Cr	1 yrs 10 m	2.33%
ICICI Prudential Large Cap Fund	N.A.	78,502 Cr	17 yrs 9 m	1.4%
Nippon India Large Cap Fund	N.A.	50,876 Cr	18 yrs 7 m	1.48%
HDFC Large Cap Fund	N.A.	40,604 Cr	29 yrs 5 m	1.58%
Canara Robeco Large Cap Fund	N.A.	17,493 Cr	15 yrs 7 m	1.65%
Baroda BNP Paribas Large Cap Fund	N.A.	2,702 Cr	21 yrs 5 m	1.98%

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 is a Large Cap mutual fund scheme from Pgim India Mutual Fund. This fund has been in existence for 1 yrs 10 m, having been launched on 26/03/2024. PGIM India Retirement Fund has ₹96 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of PGIM India Retirement Fund as of 02/02/2026 is ₹11.29. The fund has an expense ratio of 2.33%, which is higher than what most other Large Cap funds charge.

PGIM India Retirement Fund returns of last 1-year are 2.16%. Since launch, it has delivered 6.96% 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., Multi Commodity Exchange Of India Ltd., Bharti Airtel Ltd..

...

Fund AUM	96 Cr as on Dec 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	27,546 Cr as on Dec 31, 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 ELSS Tax Saver Fund	N.A.	768 Cr	0.7%	12.64%
PGIM India Flexi Cap Fund	N.A.	6,268 Cr	3.87%	11.94%
PGIM India Large Cap Fund	N.A.	598 Cr	4.21%	9.39%
PGIM India Small Cap Fund	N.A.	1,560 Cr	2.3%	N.A.
PGIM India Global Equity Opportunities FoF	N.A.	1,590 Cr	2.54%	5.03%
PGIM India Large and Mid Cap Fund	N.A.	812 Cr	4.45%	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 plan is approximately ₹11.29 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The PGIM India Retirement Fund is a 1 yrs 10 m old fund and has delivered average annual returns of 7.05% since inception.

PGIM India Retirement Fund Returns

1-Year	Since Inception
1.99%	7.05%

How much does this mutual fund charge as expense ratio?

The PGIM India Retirement Fund has an expense ratio of 2.33%, 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 Dec 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.	5.42%
HDFC Bank Ltd.	4.98%
Reliance Industries Ltd.	4.52%
Multi Commodity Exchange Of India Ltd.	2.62%
Bharti Airtel Ltd.	2.29%
Tata Consultancy Services Ltd.	1.99%
Bajaj Finance Ltd.	1.97%
Solar Industries India Ltd.	1.8%
Eternal Ltd.	1.67%
Varun Beverages Ltd.	1.65%

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	16.060000000000002%
Services	12.88%
Healthcare	12.069999999999999%
Chemicals	7.58%
Consumer Staples	6.85%
Energy	5.6899999999999995%
Automobile	5.359999999999999%
Technology	4.59%
Capital Goods	4.49%
Materials	4.31%

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 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.