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

: ₹ 12.5 0.4%
(as on 12th 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 96.61% investment in domestic equities of which 27.36% is in Large Cap stocks, 9.56% is in Mid Cap stocks, 14.67% in Small Cap stocks.

1M
3M
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ALL

This Scheme

VS

BSE 500 TRI

2.51%

0.9%

14.59%

-2.7%

15.83%

20.78%

12.34%
NA
1.82%

1.1%

11.13%

2.47%

13.73%

14.73%

12.99%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 12th September, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	05-Sep-25	10129.70	1.30%	-	0.84%	8/29
1 Month	12-Aug-25	10279.60	2.80%	-	1.82%	5/29
3 Month	12-Jun-25	10296.50	2.96%	-	1.10%	3/29
6 Month	12-Mar-25	11870.80	18.71%	-	11.13%	3/29
YTD	01-Jan-25	10504.20	5.04%	-	4.29%	5/29
1 Year	12-Sep-24	10390.70	3.91%	3.91%	2.47%	11/29
Since Inception	15-Apr-24	12500.00	25.00%	17.13%	12.99%	6/29

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 12th September, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	12-Sep-24	12000	12888.77	7.41 %	13.97 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Aug,2025)

Equity Holding : 96.61% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 96.61%

No of Stocks : 82 (Category Avg - 53.76) | Large Cap Investments : 27.36%| Mid Cap Investments : 9.56% | Small Cap Investments : 14.67% | Other : 45.02%

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	54.4	5.99%	-0.36%	6.89% (Apr 2025)	5.8% (Dec 2024)	38.90 k	0.00
HDFC Bank Ltd.	Private sector bank	46.2	5.08%	-0.31%	6.34% (Feb 2025)	3.82% (Sep 2024)	48.50 k	24.25 k
Reliance Industries Ltd.	Refineries & marketing	37.7	4.15%	-0.10%	4.84% (Apr 2025)	3.25% (Sep 2024)	27.76 k	0.00
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	19.8	2.18%	-0.03%	2.76% (Sep 2024)	2.18% (Aug 2025)	10.47 k	0.00
Solar Industries India Ltd.	Explosives	19.6	2.16%	-0.57%	3.43% (Jun 2025)	0% (Sep 2024)	1.42 k	-0.33 k
Tata Consultancy Services Ltd.	Computers - software & consulting	18.5	2.03%	0.03%	4.09% (Nov 2024)	2% (Jul 2025)	5.99 k	0.00
Eternal Ltd.	E-retail/ e-commerce	18.2	2.01%	0.04%	2.21% (Sep 2024)	1.54% (Mar 2025)	57.98 k	0.00
InterGlobe Aviation Ltd.	Airline	17.9	1.98%	-0.09%	2.12% (Jun 2025)	1.41% (Oct 2024)	3.18 k	0.00
Axis Bank Ltd.	Private sector bank	17.5	1.93%	-0.04%	3.17% (Sep 2024)	1.93% (Aug 2025)	16.76 k	0.00
Dixon Technologies (India) Ltd.	Consumer electronics	17.5	1.92%	-0.02%	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	3.15%
Net Receivables	Net Receivables	0.24%

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	1.73	2.59	8.67	7.52	11.54
ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth	NA	99.57	0.45	0.81	3.70	7.33	7.27
ICICI Prudential Retirement Fund - Pure Equity Plan - Direct Plan - Growth	NA	1332.57	3.14	3.02	21.99	6.54	24.13
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Direct - Growth	NA	17.26	0.40	0.57	3.18	6.43	6.51
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth	NA	26.38	1.23	1.63	6.93	5.94	9.51
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth	NA	915.91	3.50	3.61	18.45	5.34	20.91
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth	NA	114.25	2.64	1.74	13.47	4.67	14.14
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Direct Plan- Growth	NA	159.59	0.55	0.52	5.63	4.25	9.72
Nippon India Retirement Fund - Income Generation Scheme - Direct Plan - Growth	NA	150.54	0.60	-0.02	5.07	4.11	9.42
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth	NA	174.53	0.36	-0.48	4.66	4.03	8.63

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	11400.29	3.09	3.72	20.88	1.93	13.87
PGIM India Flexi Cap Fund - Direct Plan - Growth	3	6214.79	3.32	3.45	17.84	1.60	13.64
PGIM India Small Cap Fund - Direct Plan - Growth	2	1558.38	2.91	6.05	24.19	1.20	14.29
PGIM India Global Equity Opportunities Fund of Fund - Direct Plan - Growth	NA	1512.37	3.84	10.70	19.49	12.94	21.26
PGIM India Balanced Advantage Fund - Direct Plan - Growth	NA	946.69	2.20	1.64	12.35	3.21	10.90
PGIM India ELSS Tax Saver Fund - Direct Plan - Growth	3	763.35	2.68	2.00	14.62	1.59	14.50
PGIM India Large and Midcap Fund - Direct Plan - Growth	NA	741.09	2.77	2.77	18.34	3.84	0.00
PGIM India Large Cap Fund - Direct Plan - Growth	3	595.91	3.24	2.61	15.09	-0.38	13.55
PGIM India Liquid Fund - Direct Plan - Growth	1	527.37	0.48	1.44	3.37	7.01	7.11
PGIM India Emerging Markets Equity Fund of Fund - Direct Plan - Growth	NA	452.16	6.17	12.10	13.95	25.90	14.54

All funds

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hunch
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22 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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37 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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2 days ago

Boost Your Investment with a High-Return Secured NBFC Bond Vivriti Capital Limited – 2026 Bonds now listed on The Fixed Income ✔️ Coupon: 9.00% p.a. ✔️ Rating: CARE A+ Stable ✔️ Tenor: 1 year 1 month (Maturity: Nov 04, 2026) ✔️ Senior Secured | NBFC Bond | High Return | Listed Tap into a secured bond offering attractive returns from a trusted NBFC—perfect for investors seeking stability and growth in a short tenure. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhbmJnPT0=/900-vivriti-capital-limited-2026?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Boost Your Investment with a High-Return Secured NBFC Bond Vivriti Capital Limited – 2026 Bonds now listed on The Fixed Income ✔️ Coupon: 9.00% p.a. ✔️ Rating: CARE A+ Stable ✔️ Tenor: 1 year 1 month (Maturity: Nov 04, 2026) ✔️ Senior Secured | NBFC Bond | High Return | Listed Tap into a secured bond offering attractive returns from a trusted NBFC—perfect for investors seeking stability and growth in a short tenure. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhbmJnPT0=/900-vivriti-capital-limited-2026?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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88 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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88 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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94 days ago

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

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