PGIM India Retirement Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Retirement Fund

Fund House : PGIM India Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 12.38 0.32%
(as on 09th September, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 90.78 Cr

(0.29% of Investment in Category)

Expense Ratio

: 0.7%

(0.95% Category average)

Risk-O-Meter

Very High Risk

Retirement Fund :Retirement Fund : The fund has 97.04% investment in domestic equities of which 27.93% is in Large Cap stocks, 9.84% is in Mid Cap stocks, 15.13% in Small Cap stocks.

1M
3M
6M
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ALL

This Scheme

VS

BSE 500 TRI

2.1%

-1.34%

12.43%

-2.06%

15.13%

20.95%

15.89%
NA
1.49%

-0.32%

9.83%

3.13%

13.36%

14.76%

12.87%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 09th September, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	02-Sep-25	10048.70	0.49%	-	0.72%	18/29
1 Month	08-Aug-25	10248.30	2.48%	-	1.49%	5/29
3 Month	09-Jun-25	10065.00	0.65%	-	-0.32%	5/29
6 Month	07-Mar-25	11657.30	16.57%	-	9.83%	3/29
YTD	01-Jan-25	10403.40	4.03%	-	3.71%	8/29
1 Year	09-Sep-24	10527.20	5.27%	5.27%	3.13%	8/29
Since Inception	15-Apr-24	12380.00	23.80%	16.44%	12.87%	7/29

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 09th September, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	09-Sep-24	12000	12775.69	6.46 %	12.15 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Jul,2025)

Portfolio Turnover Ratio : 23.00% | Category average turnover ratio is 25.59%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 97.04% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 97.04%

No of Stocks : 81 (Category Avg - 53.45) | Large Cap Investments : 27.93%| Mid Cap Investments : 9.84% | Small Cap Investments : 15.13% | Other : 44.14%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
ICICI Bank Ltd.	Private sector bank	57.6	6.35%	0.08%	6.89% (Apr 2025)	5.8% (Dec 2024)	38.90 k	0.00
HDFC Bank Ltd.	Private sector bank	48.9	5.39%	-0.02%	6.34% (Feb 2025)	3.82% (Sep 2024)	24.25 k	0.00
Reliance Industries Ltd.	Refineries & marketing	38.6	4.25%	-0.40%	4.84% (Apr 2025)	3.25% (Sep 2024)	27.76 k	0.00
Solar Industries India Ltd.	Explosives	24.8	2.73%	-0.70%	3.43% (Jun 2025)	0% (Aug 2024)	1.75 k	0.00
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	20.1	2.21%	-0.39%	2.76% (Sep 2024)	2.21% (Jul 2025)	10.47 k	-1.12 k
InterGlobe Aviation Ltd.	Airline	18.8	2.07%	-0.05%	2.12% (Jun 2025)	1.41% (Oct 2024)	3.18 k	0.00
Tata Consultancy Services Ltd.	Computers - software & consulting	18.2	2.00%	-0.31%	4.09% (Nov 2024)	2% (Jul 2025)	5.99 k	0.00
Axis Bank Ltd.	Private sector bank	17.9	1.97%	-0.27%	3.23% (Aug 2024)	1.97% (Jul 2025)	16.76 k	0.00
Eternal Ltd.	E-retail/ e-commerce	17.9	1.97%	0.26%	2.21% (Sep 2024)	1.54% (Mar 2025)	57.98 k	0.00
Dixon Technologies (India) Ltd.	Consumer electronics	17.6	1.94%	0.19%	2.49% (Dec 2024)	1.75% (Jun 2025)	1.05 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	2.70%
Net Receivables	Net Receivables	0.26%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan - Growth	NA	82.28	1.74	1.96	8.13	7.94	11.60
ICICI Prudential Retirement Fund - Pure Equity Plan - Direct Plan - Growth	NA	1332.57	3.19	0.28	19.17	7.61	24.21
ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth	NA	99.57	0.17	0.56	3.77	7.44	7.26
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth	NA	915.91	3.77	1.65	16.30	6.60	21.06
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth	NA	26.38	1.02	1.02	6.53	6.48	9.48
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Direct - Growth	NA	17.26	0.12	0.47	3.24	6.46	6.48
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth	NA	116.10	2.72	0.41	12.21	5.98	14.17
Nippon India Retirement Fund - Income Generation Scheme - Direct Plan - Growth	NA	150.54	0.11	-0.57	4.84	4.44	9.41
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth	NA	176.70	-0.08	-1.05	4.54	4.43	8.65
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Direct Plan- Growth	NA	159.59	0.17	-0.19	5.29	4.31	9.66

Detailed Comparison

More Funds from PGIM India Mutual Fund

Out of 24 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 3 is/are ranked 4 * , 3 is/are ranked 3 * , 3 is/are ranked 2 * , 2 is/are ranked 1 * , and 11 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
PGIM India Midcap Fund - Direct Plan - Growth	1	11468.11	2.41	1.42	18.26	2.96	13.91
PGIM India Flexi Cap Fund - Direct Plan - Growth	3	6271.27	2.68	1.32	15.88	2.49	13.63
PGIM India Small Cap Fund - Direct Plan - Growth	2	1582.84	3.04	4.39	20.47	2.39	14.50
PGIM India Global Equity Opportunities Fund of Fund - Direct Plan - Growth	NA	1496.53	3.14	9.17	15.74	15.58	21.36
PGIM India Balanced Advantage Fund - Direct Plan - Growth	NA	964.70	1.65	0.18	11.31	3.61	10.90
PGIM India ELSS Tax Saver Fund - Direct Plan - Growth	3	779.08	2.10	-0.20	12.72	2.07	14.23
PGIM India Large and Midcap Fund - Direct Plan - Growth	NA	730.52	2.22	0.70	16.47	5.06	0.00
PGIM India Large Cap Fund - Direct Plan - Growth	3	604.19	2.78	0.45	13.62	0.45	13.42
PGIM India Liquid Fund - Direct Plan - Growth	1	512.79	0.48	1.43	3.37	7.03	7.11
PGIM India Multi Cap Fund - Direct Plan - Growth	NA	410.94	3.49	2.75	17.46	0.00	0.00

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hunch
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17 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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shravanashok
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33 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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The Fixed Income
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3 hrs ago

Power Your Savings with a High-Yield PSU Bond Meghalaya Energy Corporation Limited – 2030 Bonds now listed on The Fixed Income ✔️ Coupon: 11.45% p.a. ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4 years 5 months (Maturity: Feb 13, 2030) ✔️ Senior Secured | PSU Bond | High Return | Listed Leverage the security of a state-backed PSU with a robust return—ideal for investors seeking dependable growth and strong performance. ???? Explore this powerful investment on The Fixed Income today: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Power Your Savings with a High-Yield PSU Bond Meghalaya Energy Corporation Limited – 2030 Bonds now listed on The Fixed Income ✔️ Coupon: 11.45% p.a. ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4 years 5 months (Maturity: Feb 13, 2030) ✔️ Senior Secured | PSU Bond | High Return | Listed Leverage the security of a state-backed PSU with a robust return—ideal for investors seeking dependable growth and strong performance. ???? Explore this powerful investment on The Fixed Income today: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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83 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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83 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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h_purandare
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89 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

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