PGIM India Retirement Fund - Regular 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

: ₹ 12.15 0.25%
(as on 17th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 96.28 Cr

(0.3% of Investment in Category)

Expense Ratio

: 2.33%

(2.08% Category average)

Risk-O-Meter

Very High Risk

Retirement Fund :Retirement Fund : The fund has 95.52% investment in domestic equities of which 24.63% is in Large Cap stocks, 9.01% is in Mid Cap stocks, 14.93% in Small Cap stocks.The fund has 0.15% investment in Debt, of which 0.15% in Government securities.

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This Scheme

VS

BSE 500 TRI

1.03%

5.19%

4.84%

9.26%

17.24%

18.95%

15.92%
NA
0.62%

3.25%

3.43%

7.55%

12.85%

12.13%

11.28%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 17th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	10-Nov-25	10091.40	0.91%	-	0.77%	13/34
1 Month	17-Oct-25	9886.10	-1.14%	-	0.62%	34/34
3 Month	14-Aug-25	10141.90	1.42%	-	3.25%	30/34
6 Month	16-May-25	10305.30	3.05%	-	3.43%	20/34
YTD	01-Jan-25	10331.60	3.32%	-	5.86%	28/34
1 Year	14-Nov-24	10838.50	8.38%	8.31%	7.55%	12/34
Since Inception	15-Apr-24	12150.00	21.50%	13.01%	11.28%	11/35

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 17th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	14-Nov-24	12000	12593.09	4.94 %	9.22 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Oct,2025)

Portfolio Turnover Ratio : 19.00% | Category average turnover ratio is 42.99%

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 : 95.52% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.52%

No of Stocks : 84 (Category Avg - 53.86) | Large Cap Investments : 24.63%| Mid Cap Investments : 9.01% | Small Cap Investments : 14.93% | Other : 46.95%

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	52.3	5.44%	-0.27%	6.89% (Apr 2025)	5.44% (Oct 2025)	38.90 k	0.00
HDFC Bank Ltd.	Private sector bank	47.9	4.97%	-0.05%	6.34% (Feb 2025)	4.97% (Oct 2025)	48.50 k	0.00
Reliance Industries Ltd.	Refineries & marketing	41.3	4.29%	0.17%	4.84% (Apr 2025)	3.59% (Dec 2024)	27.76 k	0.00
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	21.5	2.23%	0.09%	2.75% (Feb 2025)	2.14% (Sep 2025)	10.47 k	0.00
Multi Commodity Exchange Of India Ltd.	Exchange and data platform	21	2.18%	0.25%	2.27% (Jun 2025)	1.59% (Mar 2025)	2.27 k	0.00
# Bajaj Finance Ltd.	Non banking financial company (nbfc)	20	2.08%	2.08%	2.08% (Oct 2025)	0% (Nov 2024)	19.22 k	19.22 k
Solar Industries India Ltd.	Explosives	19.7	2.05%	-0.01%	3.43% (Jun 2025)	0% (Nov 2024)	1.42 k	0.00
Eternal Ltd.	E-retail/ e-commerce	18.4	1.91%	-0.14%	2.21% (Nov 2024)	1.54% (Mar 2025)	57.98 k	0.00
Tata Consultancy Services Ltd.	Computers - software & consulting	18.3	1.90%	0.02%	4.09% (Nov 2024)	1.88% (Sep 2025)	5.99 k	0.00
InterGlobe Aviation Ltd.	Airline	17.9	1.86%	-0.07%	2.12% (Jun 2025)	1.46% (Jan 2025)	3.18 k	0.00

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

Detailed Portfolio Analysis

No of Debt Holding 1 (Category Avg - 8.48) | Modified Duration 0.00 Years (Category Avg - 5.46)| Yield to Maturity - -- (Category Avg - 6.65%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	23.21%
T-Bills	0.15%	0.01%
NCD & Bonds	0.00%	8.71%
PTC	0.00%	0.32%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.15%	23.22%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	4.18%
Net Receivables	Net Receivables	0.15%

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 - Pure Equity Plan - Regular Plan - Growth	NA	1516.19	2.23	7.27	10.95	17.84	24.96
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Regular Plan - Growth	NA	997.52	1.49	6.54	9.06	14.63	21.11
Aditya Birla Sun Life Retirement Fund - The 30s Plan - Growth	NA	427.16	1.99	5.11	7.87	10.72	15.40
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Growth	NA	117.70	0.06	4.31	4.08	9.64	13.38
Union Retirement Fund - Regular Plan - Growth	NA	186.21	1.00	5.14	6.45	9.47	16.97
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Regular Plan - Growth	NA	88.45	0.77	3.20	4.66	9.35	11.10
Baroda BNP Paribas Retirement Fund - Regular Plan - Growth	NA	391.85	1.13	4.54	5.14	8.70	0.00
Bandhan Retirement Fund - Regular Plan - Growth	NA	186.48	0.93	3.70	3.32	7.94	0.00
HDFC Retirement Savings Fund - Equity Plan - Regular Plan- Growth	NA	6968.96	1.34	4.46	3.72	7.36	18.58
UTI Retirement Fund - Regular Plan - Growth	NA	4745.25	1.15	2.81	2.10	6.94	12.13

Detailed Comparison

More Funds from PGIM India Mutual Fund

Out of 27 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 2 is/are ranked 4 * , 4 is/are ranked 3 * , 5 is/are ranked 2 * , 2 is/are ranked 1 * , and 13 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
PGIM India Midcap Fund - Growth	2	11580.71	-1.01	0.99	5.17	7.93	13.64
PGIM India Flexi Cap Fund - Growth	3	6399.39	-0.72	3.27	5.16	9.76	13.19
PGIM India Global Equity Opportunities Fund of Fund - Growth	NA	1661.69	0.24	3.96	10.00	7.67	22.49
PGIM India Global Equity Opportunities Fund of Fund - Growth	NA	1661.69	0.00	0.00	0.00	0.00	0.00
PGIM India Small Cap Fund - Regular Plan - Growth	3	1633.93	-0.78	1.98	8.21	6.54	13.73
PGIM India Balanced Advantage Fund - Growth	NA	953.20	0.00	2.76	3.23	7.49	10.26
PGIM India Emerging Markets Equity Fund of Fund - Growth	NA	875.49	1.82	3.29	12.11	18.11	16.33
PGIM India Large and Midcap Fund - Regular Plan - Growth	NA	802.79	-1.01	2.49	4.94	10.79	0.00
PGIM India ELSS Tax Saver Fund - Growth	2	782.13	0.03	3.15	2.77	8.45	12.82
PGIM India Large Cap Fund - Growth	2	608.98	0.25	4.39	4.16	10.62	11.99