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

: ₹ 12.39 -0.16%
(as on 13th October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 91.92 Cr

(0.34% 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 94.8% investment in domestic equities of which 26.94% is in Large Cap stocks, 9.34% is in Mid Cap stocks, 14.76% in Small Cap stocks.

1M
3M
6M
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ALL

This Scheme

VS

BSE 500 TRI

0.59%

0.55%

13.01%

-0.41%

16.67%

20.32%

12.31%
NA
0.73%

0.99%

9.69%

3.32%

14.15%

14.46%

12.91%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 13th October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	06-Oct-25	10073.20	0.73%	-	0.44%	7/29
1 Month	12-Sep-25	9912.00	-0.88%	-	0.73%	29/29
3 Month	11-Jul-25	10000.00	-	-	0.99%	27/29
6 Month	11-Apr-25	11356.60	13.57%	-	9.69%	5/29
YTD	01-Jan-25	10411.80	4.12%	-	5.06%	16/29
1 Year	11-Oct-24	10333.60	3.34%	3.32%	3.32%	16/29
Since Inception	15-Apr-24	12390.00	23.90%	15.40%	12.91%	9/27

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 13th October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	11-Oct-24	12000	12757.53	6.31 %	11.87 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 30th Sep,2025)

Equity Holding : 94.80% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 94.80%

No of Stocks : 82 (Category Avg - 53.66) | Large Cap Investments : 26.94%| Mid Cap Investments : 9.34% | Small Cap Investments : 14.76% | Other : 43.76%

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
# ICICI Bank Ltd.	Private sector bank	52.4	5.71%	0.00%	6.89% (Apr 2025)	5.8% (Dec 2024)	38.90 k
# HDFC Bank Ltd.	Private sector bank	46.1	5.02%	0.00%	6.34% (Feb 2025)	3.82% (Sep 2024)	48.50 k
# Reliance Industries Ltd.	Refineries & marketing	37.9	4.12%	0.00%	4.84% (Apr 2025)	3.25% (Sep 2024)	27.76 k
# Bharti Airtel Ltd.	Telecom - cellular & fixed line services	19.7	2.14%	0.00%	2.76% (Sep 2024)	2.18% (Aug 2025)	10.47 k
# Axis Bank Ltd.	Private sector bank	19	2.06%	0.00%	3.17% (Sep 2024)	1.93% (Aug 2025)	16.76 k
# Solar Industries India Ltd.	Explosives	18.9	2.06%	0.00%	3.43% (Jun 2025)	0% (Sep 2024)	1.42 k
# Eternal Ltd.	E-retail/ e-commerce	18.9	2.05%	0.00%	2.21% (Sep 2024)	1.54% (Mar 2025)	57.98 k
# InterGlobe Aviation Ltd.	Airline	17.8	1.93%	0.00%	2.12% (Jun 2025)	1.41% (Oct 2024)	3.18 k
# Multi Commodity Exchange Of India Ltd.	Exchange and data platform	17.7	1.93%	0.00%	2.27% (Jun 2025)	1.59% (Mar 2025)	2.27 k
# Tata Consultancy Services Ltd.	Computers - software & consulting	17.3	1.88%	0.00%	4.09% (Nov 2024)	2% (Jul 2025)	5.99 k

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

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	5.07%
Net Receivables	Net Receivables	0.13%

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	83.12	0.87	2.17	8.59	7.75	12.51
ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth	NA	98.13	0.83	1.10	2.87	7.43	7.63
ICICI Prudential Retirement Fund - Pure Equity Plan - Direct Plan - Growth	NA	1410.05	1.49	2.46	21.44	7.02	26.79
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth	NA	937.42	1.62	3.18	18.96	6.58	23.36
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Direct - Growth	NA	17.09	0.76	1.08	2.51	6.41	7.01
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth	NA	26.37	0.84	1.76	5.79	6.26	10.31
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth	NA	113.45	0.83	1.69	12.14	5.55	15.98
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth	NA	175.23	1.46	0.44	4.16	5.10	9.45
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Direct Plan- Growth	NA	160.22	0.74	0.63	4.33	4.90	10.52
Franklin India Retirement Fund - Direct - Growth	NA	513.48	0.69	0.60	6.23	4.65	11.97

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	11326.40	-0.77	1.17	16.13	1.19	15.46
PGIM India Flexi Cap Fund - Direct Plan - Growth	3	6193.15	0.02	2.05	14.13	2.99	16.11
PGIM India Global Equity Opportunities Fund of Fund - Direct Plan - Growth	NA	1614.87	-0.26	7.37	25.96	8.47	25.97
PGIM India Small Cap Fund - Direct Plan - Growth	2	1567.96	-0.17	0.91	18.82	0.28	16.04
PGIM India Balanced Advantage Fund - Direct Plan - Growth	NA	938.46	0.24	0.96	10.03	4.33	12.82
PGIM India Large and Midcap Fund - Direct Plan - Growth	NA	763.24	0.31	1.48	14.83	5.31	0.00
PGIM India ELSS Tax Saver Fund - Direct Plan - Growth	3	757.48	-0.52	-0.20	10.87	2.49	15.78
PGIM India Emerging Markets Equity Fund of Fund - Direct Plan - Growth	NA	675.50	-1.11	9.59	28.12	14.60	18.17
PGIM India Large Cap Fund - Direct Plan - Growth	3	592.77	-0.03	1.56	11.91	2.69	15.48
PGIM India Liquid Fund - Direct Plan - Growth	1	475.45	0.50	1.45	3.06	6.88	7.13

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NITINPIMPALE
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5 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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16 days ago

View more

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The Fixed Income
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4 days ago

Lock in Stable Returns from a State-Backed PSU! TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2028 Bond ✔️ Coupon: 9.35% p.a. ✔️ Tenor: 3y 2m (Maturity: 29/Dec/2028) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed Invest confidently in a state-backed PSU and watch your money grow steadily. Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPdFpRPT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Lock in Stable Returns from a State-Backed PSU! TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2028 Bond ✔️ Coupon: 9.35% p.a. ✔️ Tenor: 3y 2m (Maturity: 29/Dec/2028) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed Invest confidently in a state-backed PSU and watch your money grow steadily. Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPdFpRPT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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67 days ago

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

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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80 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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117 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

Posted by : sunny85deol
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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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