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

: ₹ 12.28 0%
(as on 05th December, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 96.28 Cr

(0.3% 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 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

0.35%

4.11%

4.28%

2.9%

13.85%

17.83%

15.89%
NA
0.37%

2.8%

3.05%

4.21%

12.47%

13.16%

12.77%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 05th December, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	28-Nov-25	9895.20	-1.05%	-	-0.32%	28/29
1 Month	04-Nov-25	9855.50	-1.44%	-	0.37%	29/29
3 Month	05-Sep-25	9951.40	-0.49%	-	2.80%	29/29
6 Month	05-Jun-25	10098.70	0.99%	-	3.05%	26/29
YTD	01-Jan-25	10319.30	3.19%	-	6.32%	25/29
1 Year	05-Dec-24	10132.00	1.32%	1.32%	4.21%	24/29
Since Inception	15-Apr-24	12280.00	22.80%	13.33%	12.77%	12/29

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 05th December, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	05-Dec-24	12000	12493.76	4.11 %	7.7 %

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 47.56%

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 - 5.45)| 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 - Direct Plan - Growth	NA	1516.19	-0.48	5.19	7.63	9.94	24.60
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth	NA	997.52	0.27	4.39	7.78	9.07	21.36
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan - Growth	NA	88.45	1.06	2.47	5.02	8.58	11.88
ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth	NA	97.15	0.43	1.26	1.68	6.68	7.35
Bandhan Retirement Fund - Direct Plan - Growth	NA	186.48	1.01	3.55	3.86	6.45	0.00
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth	NA	26.72	0.06	2.05	3.40	6.20	9.47
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Direct - Growth	NA	16.80	0.39	1.29	1.60	5.93	6.56
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth	NA	117.70	-0.63	2.97	3.80	5.64	14.18
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Direct Plan- Growth	NA	161.04	0.67	2.35	2.15	5.37	9.71
UTI Retirement Fund - Direct Plan - Growth	NA	4745.25	1.19	3.37	2.70	5.23	12.54

Detailed Comparison

More Funds from PGIM India Mutual Fund

Out of 24 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 3 is/are ranked 4 * , 3 is/are ranked 3 * , 4 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	2	11580.71	-1.72	-1.50	1.59	0.23	13.24
PGIM India Flexi Cap Fund - Direct Plan - Growth	2	6399.39	0.16	2.09	4.89	3.72	13.62
PGIM India Global Equity Opportunities Fund of Fund - Direct Plan - Growth	NA	1661.69	0.70	4.83	12.40	7.63	23.39
PGIM India Small Cap Fund - Direct Plan - Growth	3	1633.93	-3.41	-1.48	3.35	-0.86	13.50
PGIM India Balanced Advantage Fund - Direct Plan - Growth	NA	953.20	1.01	2.77	3.52	5.71	11.59
PGIM India Emerging Markets Equity Fund of Fund - Direct Plan - Growth	NA	875.49	0.39	1.96	14.23	17.58	17.21
PGIM India Large and Midcap Fund - Direct Plan - Growth	NA	802.79	-0.08	1.32	3.09	4.33	0.00
PGIM India ELSS Tax Saver Fund - Direct Plan - Growth	2	782.13	-0.05	2.19	3.10	2.16	13.14
PGIM India Large Cap Fund - Direct Plan - Growth	3	608.98	1.69	4.17	5.81	6.25	12.81
PGIM India Liquid Fund - Direct Plan - Growth	1	573.44	0.48	1.47	2.96	6.72	7.10