PGIM India Retirement Fund

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

The PGIM India Retirement Fund is a 1 yrs 7 m old fund and has delivered average annual returns of 14.35% since inception. PGIM India Retirement Fund Returns 1-Year Since Inception 7.08% 14.35%

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 Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹12.29+0.0% 1 day change	14.35% p.a.	App exclusive #NA View Ranked Funds	₹92 Cr

Historical NAV & returns

NAV: ₹12.29 as on Oct 20, 2025

This fund Category average

PGIM India Retirement Fund overview

AUM (Fund size)	₹92 Cr
Exit load	0%
Lock-in Period	5 Years
Age	1 yrs 7 m since Mar 26, 2024
Benchmark	BSE 500 TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.33% 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 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 Oct 17, 2025

Period	This fund	Category average
1 Month	1.74%	2.98%
3 Months	0.66%	3.45%
6 Months	8.5%	7.69%
1 Year	7.08%	6.04%

View returns in detail

Asset allocationas on Sep 30, 2025

Large Cap 41.95%

Mid Cap 26.18%

Small Cap 26.67%

Other Cap 0%

Top holdings

ICICI Bank Ltd.5.71%

HDFC Bank Ltd.5.02%

Reliance Industries Ltd.4.12%

Bharti Airtel Ltd.2.14%

Top sectors

Financial 16.55%

Services 13.599999999999998%

Healthcare 11.59%

Chemicals 7.37%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 5.07%

Allocation by Instruments

CBLO 5.07%

Net Receivables 0.12999999%

Other Holdings

Others 0.13%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
PGIM India Retirement Fund	1.74%	8.5%	7.08%	N.A.	N.A.	N.A.
ICICI Prudential Large Cap Fund	2.76%	8.39%	7.48%	18.59%	21.89%	14.57%
Nippon India Large Cap Fund	2.44%	10.24%	8.86%	20.04%	25.02%	14.68%
HDFC Large Cap Fund	2.73%	6.11%	4.27%	16.82%	21.6%	13.2%
SBI Equity Minimum Variance Fund	3.85%	7.2%	3.39%	14.67%	17.96%	9.59%
Baroda BNP Paribas Large Cap Fund	2.4%	6.31%	1.88%	16.13%	18.23%	12.76%

Fund name	Std. deviation	Beta	Sharpe	Sortino
PGIM India Retirement Fund	N.A.	N.A.	N.A.	N.A.
ICICI Prudential Large Cap Fund	11.46	0.91	1.02	1.69
Nippon India Large Cap Fund	11.71	0.93	1.08	1.67
HDFC Large Cap Fund	11.84	0.94	0.86	1.39
SBI Equity Minimum Variance Fund	12.93	0.9	0.55	0.76
Baroda BNP Paribas Large Cap Fund	12.42	0.99	0.76	1.12

Fund name	ETM Rank	AUM	Fund age	Expense ratio
PGIM India Retirement Fund	N.A.	92 Cr	1 yrs 7 m	2.33%
ICICI Prudential Large Cap Fund	N.A.	73,035 Cr	17 yrs 6 m	1.42%
Nippon India Large Cap Fund	N.A.	46,463 Cr	18 yrs 4 m	1.5%
HDFC Large Cap Fund	N.A.	38,251 Cr	29 yrs 2 m	1.6%
SBI Equity Minimum Variance Fund	N.A.	223 Cr	6 yrs 7 m	0.75%
Baroda BNP Paribas Large Cap Fund	N.A.	2,663 Cr	21 yrs 2 m	1.97%

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 7 m, having been launched on 26/03/2024. PGIM India Retirement Fund has ₹92 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 Retirement Fund as of 20/10/2025 is ₹12.29. 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 3.26%. Since launch, it has delivered 14.58% 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., Solar Industries India Ltd..

...

Fund AUM	92 Cr as on Sep 30, 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

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 ₹12.29 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The PGIM India Retirement Fund is a 1 yrs 7 m old fund and has delivered average annual returns of 14.35% since inception.

PGIM India Retirement Fund Returns

1-Year	Since Inception
7.08%	14.35%

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 92 Cr as on Sep 30, 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.	5.71%
HDFC Bank Ltd.	5.02%
Reliance Industries Ltd.	4.12%
Bharti Airtel Ltd.	2.14%
Solar Industries India Ltd.	2.06%
Axis Bank Ltd.	2.06%
Eternal Ltd.	2.05%
Interglobe Aviation Ltd.	1.93%
Multi Commodity Exchange Of India Ltd.	1.93%
Tata Consultancy Services Ltd.	1.88%

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	16.55%
Services	13.599999999999998%
Healthcare	11.59%
Chemicals	7.37%
Consumer Staples	7.0%
Automobile	5.880000000000001%
Energy	5.36%
Capital Goods	5.24%
Materials	5.08%
Technology	4.35%

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.

ET Money rank

App exclusive

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.