PGIM India Retirement Fund Direct Growth

Fund Overview

Fund Size

₹109 Cr

Expense Ratio

1.13%

ISIN

INF663L01Y61

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

19 Apr 2024

About this fund

PGIM India Retirement Fund Direct Growth is a Retirement mutual fund schemes offered by PGIM India Mutual Fund. This fund has been in existence for 2 years, 5 months and 19 days, having been launched on 19-Apr-24.
As of 07-Oct-26, it has a Net Asset Value (NAV) of ₹12.37, Assets Under Management (AUM) of 108.97 Crores, and an expense ratio of 1.13%.

PGIM India Retirement Fund Direct Growth has given a CAGR return of 9.04% since inception.
The fund's asset allocation comprises around 96.95% in equities, 0.00% in debts, and 3.05% in cash & cash equivalents.
You can start investing in PGIM India Retirement Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+0.24%

— (Cat Avg.)

Since Inception

+9.04%

— (Cat Avg.)

Portfolio Summaryas of 31st August 2026

Equity	₹105.65 Cr	96.95%
Others	₹3.32 Cr	3.05%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
ICICI Bank Ltd	Equity	₹6.74 Cr	6.18%
HDFC Bank Ltd	Equity	₹5.72 Cr	5.24%
Reliance Industries Ltd	Equity	₹3.55 Cr	3.25%
Clearing Corporation Of India Ltd.	Cash - Repurchase Agreement	₹3.2 Cr	2.94%
Infosys Ltd	Equity	₹2.84 Cr	2.60%
Tata Consultancy Services Ltd	Equity	₹2.55 Cr	2.34%
Solar Industries India Ltd	Equity	₹2.32 Cr	2.13%
Multi Commodity Exchange of India Ltd	Equity	₹2.12 Cr	1.94%
DOMS Industries Ltd	Equity	₹2.08 Cr	1.91%
Bajaj Finance Ltd	Equity	₹2.03 Cr	1.86%
Sai Life Sciences Ltd	Equity	₹1.92 Cr	1.76%
Torrent Pharmaceuticals Ltd	Equity	₹1.91 Cr	1.76%
Eternal Ltd	Equity	₹1.9 Cr	1.75%
Bharti Airtel Ltd	Equity	₹1.9 Cr	1.74%
Navin Fluorine International Ltd	Equity	₹1.78 Cr	1.64%
Rubicon Research Ltd	Equity	₹1.63 Cr	1.50%
Dixon Technologies (India) Ltd	Equity	₹1.55 Cr	1.43%
Krishna Institute of Medical Sciences Ltd	Equity	₹1.53 Cr	1.40%
Mankind Pharma Ltd	Equity	₹1.43 Cr	1.32%
JSW Infrastructure Ltd	Equity	₹1.43 Cr	1.31%
Max Healthcare Institute Ltd Ordinary Shares	Equity	₹1.36 Cr	1.25%
Gabriel India Ltd	Equity	₹1.36 Cr	1.25%
Sundaram Finance Ltd	Equity	₹1.35 Cr	1.24%
Computer Age Management Services Ltd Ordinary Shares	Equity	₹1.28 Cr	1.17%
Anthem Biosciences Ltd	Equity	₹1.27 Cr	1.16%
Carborundum Universal Ltd	Equity	₹1.27 Cr	1.16%
Coromandel International Ltd	Equity	₹1.24 Cr	1.14%
UltraTech Cement Ltd	Equity	₹1.24 Cr	1.13%
Bharti Hexacom Ltd	Equity	₹1.23 Cr	1.13%
Supreme Industries Ltd	Equity	₹1.22 Cr	1.12%
Neuland Laboratories Ltd	Equity	₹1.22 Cr	1.12%
Dhoot Transmission Ltd	Equity	₹1.2 Cr	1.10%
Prestige Estates Projects Ltd	Equity	₹1.18 Cr	1.08%
Sona BLW Precision Forgings Ltd	Equity	₹1.17 Cr	1.08%
Data Patterns (India) Ltd	Equity	₹1.16 Cr	1.07%
FSN E-Commerce Ventures Ltd	Equity	₹1.14 Cr	1.05%
ICICI Lombard General Insurance Co Ltd	Equity	₹1.13 Cr	1.03%
Info Edge (India) Ltd	Equity	₹1.08 Cr	0.99%
AU Small Finance Bank Ltd	Equity	₹1.06 Cr	0.98%
Molbio Diagnostics Ltd	Equity	₹1.02 Cr	0.94%
One97 Communications Ltd	Equity	₹0.99 Cr	0.91%
Nestle India Ltd	Equity	₹0.99 Cr	0.91%
Bikaji Foods International Ltd	Equity	₹0.96 Cr	0.88%
Endurance Technologies Ltd	Equity	₹0.92 Cr	0.85%
Sumitomo Chemical India Ltd Ordinary Shares	Equity	₹0.92 Cr	0.85%
Varun Beverages Ltd	Equity	₹0.91 Cr	0.83%
Global Health Ltd	Equity	₹0.9 Cr	0.83%
Clean Max Enviro Energy Solutions Ltd	Equity	₹0.9 Cr	0.82%
ICICI Prudential Asset Management Co Ltd	Equity	₹0.89 Cr	0.82%
Tube Investments of India Ltd Ordinary Shares	Equity	₹0.89 Cr	0.82%
Container Corporation of India Ltd	Equity	₹0.88 Cr	0.81%
Hero MotoCorp Ltd	Equity	₹0.87 Cr	0.80%
Craftsman Automation Ltd	Equity	₹0.87 Cr	0.80%
Larsen & Toubro Ltd	Equity	₹0.87 Cr	0.80%
UNO Minda Ltd	Equity	₹0.86 Cr	0.79%
V-Guard Industries Ltd	Equity	₹0.85 Cr	0.78%
LG Electronics India Ltd	Equity	₹0.81 Cr	0.74%
Maruti Suzuki India Ltd	Equity	₹0.8 Cr	0.73%
JK Cement Ltd	Equity	₹0.8 Cr	0.73%
NTPC Ltd	Equity	₹0.8 Cr	0.73%
Timken India Ltd	Equity	₹0.79 Cr	0.73%
InterGlobe Aviation Ltd	Equity	₹0.79 Cr	0.73%
Bharat Electronics Ltd	Equity	₹0.79 Cr	0.72%
Balkrishna Industries Ltd	Equity	₹0.78 Cr	0.72%
Affle 3i Ltd	Equity	₹0.77 Cr	0.71%
Mrs Bectors Food Specialities Ltd Ordinary Shares	Equity	₹0.76 Cr	0.70%
Oil India Ltd	Equity	₹0.75 Cr	0.69%
KEI Industries Ltd	Equity	₹0.75 Cr	0.69%
Home First Finance Co India Ltd	Equity	₹0.71 Cr	0.65%
Horizon Industrial Parks Ltd	Equity	₹0.69 Cr	0.64%
Ashok Leyland Ltd	Equity	₹0.69 Cr	0.63%
Gillette India Ltd	Equity	₹0.68 Cr	0.63%
K.P.R. Mill Ltd	Equity	₹0.68 Cr	0.62%
International Gemological Institute Ltd	Equity	₹0.68 Cr	0.62%
360 One Wam Ltd Ordinary Shares	Equity	₹0.66 Cr	0.60%
Pidilite Industries Ltd	Equity	₹0.64 Cr	0.59%
Triveni Turbine Ltd	Equity	₹0.64 Cr	0.59%
Blackbuck Ltd	Equity	₹0.63 Cr	0.58%
Blue Star Ltd	Equity	₹0.62 Cr	0.57%
SBI Life Insurance Co Ltd	Equity	₹0.59 Cr	0.54%
United Spirits Ltd	Equity	₹0.57 Cr	0.52%
Amagi Media Labs Ltd	Equity	₹0.56 Cr	0.52%
Devyani International Ltd	Equity	₹0.46 Cr	0.42%
Awfis Space Solutions Ltd	Equity	₹0.37 Cr	0.34%
Torrent Power Ltd	Equity	₹0.31 Cr	0.28%
Safari Industries (India) Ltd	Equity	₹0.28 Cr	0.26%
Dr Agarwal'S Eye Hospital Ltd	Equity	₹0.23 Cr	0.21%
29/10/2026 Maturing 364 DTB	Bond - Gov't/Treasury	₹0.15 Cr	0.14%
Net Receivables / (Payables)	Cash	₹-0.03 Cr	0.03%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹22.98 Cr	21.09%
Industrials	₹16.08 Cr	14.76%
Healthcare	₹14.44 Cr	13.25%
Consumer Cyclical	₹13.3 Cr	12.21%
Technology	₹11.21 Cr	10.29%
Basic Materials	₹9.62 Cr	8.83%
Communication Services	₹4.97 Cr	4.56%
Consumer Defensive	₹4.88 Cr	4.47%
Energy	₹4.29 Cr	3.94%
Utilities	₹2 Cr	1.84%
Real Estate	₹1.87 Cr	1.72%

Risk & Performance Ratios

Fund Managers

Vinay Paharia

Since April 2024

Puneet Pal

Since April 2024

Anandha Padmanabhan Anjeneyan

Since August 2024

Vivek Sharma

Since August 2024

Additional Scheme Detailsas of 31st August 2026

ISIN

INF663L01Y61

Expense Ratio

1.13%

Exit Load

No Charges

Fund Size

₹109 Cr

Age

2 years 5 months

Lumpsum Minimum

₹5,000

Fund Status

Open Ended Investment Company

Benchmark

BSE 500 India INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Retirement Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Baroda BNP Paribas Retirement Fund Regular Growth Very High Risk	2.5%	0.0%	₹404.85 Cr	0.2%
Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk	1.1%	0.0%	₹404.85 Cr	1.6%
PGIM India Retirement Fund Direct Growth Very High Risk	1.1%	0.0%	₹108.97 Cr	0.2%
PGIM India Retirement Fund Regular Growth Very High Risk	2.6%	0.0%	₹108.97 Cr	-1.3%
Bandhan Retirement Fund Regular Growth Moderately High risk	2.6%	0.0%	₹181.88 Cr	-4.1%
Bandhan Retirement Fund Direct Growth Moderately High risk	1.0%	0.0%	₹181.88 Cr	-2.5%
Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk	1.0%	0.0%	₹142.87 Cr	-1.0%
Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk	2.1%	0.0%	₹142.87 Cr	-2.1%
Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk	2.3%	0.0%	₹3127.08 Cr	-5.8%
Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk	1.3%	0.0%	₹3127.08 Cr	-4.9%
ICICI Prudential Retirement Fund Pure Debt Plan Regular Growth Moderately High risk	2.1%	0.0%	₹80.34 Cr	2.7%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Direct Growth Very High Risk	1.2%	0.0%	₹1320.50 Cr	3.4%
ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth Very High Risk	0.9%	0.0%	₹2157.94 Cr	3.6%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Regular Growth Very High Risk	2.5%	0.0%	₹1320.50 Cr	2.0%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth Moderately High risk	1.1%	0.0%	₹97.60 Cr	3.7%
ICICI Prudential Retirement Fund Pure Debt Plan Direct Growth Moderately High risk	1.2%	0.0%	₹80.34 Cr	3.7%
ICICI Prudential Retirement Fund Pure Equity Plan Regular Growth Very High Risk	2.1%	0.0%	₹2157.94 Cr	2.2%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular Growth Moderately High risk	2.3%	0.0%	₹97.60 Cr	2.4%
Tata Retirement Savings Moderate Fund Direct Growth Very High Risk	0.8%	1.0%	₹2251.23 Cr	3.0%
Tata Retirement Savings Conservative Fund Direct Growth Moderately High risk	1.1%	1.0%	₹171.11 Cr	2.8%
Tata Retirement Savings Progressive Fund Direct Growth Very High Risk	0.8%	1.0%	₹2254.57 Cr	3.1%
Franklin India Pension Plan Direct Growth Moderately High risk	1.5%	3.0%	₹492.59 Cr	-1.7%
SBI Retirement Benefit Fund - Aggressive Plan Regular Growth Very High Risk	2.1%	0.0%	₹3241.71 Cr	-3.1%
SBI Retirement Benefit Fund - Aggressive Plan Direct Growth Very High Risk	1.1%	0.0%	₹3241.71 Cr	-2.1%
SBI Retirement Benefit Fund - Conservative Plan Regular Growth Moderately High risk	1.4%	0.0%	₹140.43 Cr	1.0%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct Growth Very High Risk	1.2%	0.0%	₹1671.55 Cr	0.3%
SBI Retirement Benefit Fund - Conservative Plan Direct Growth Moderately High risk	1.0%	0.0%	₹140.43 Cr	1.4%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Regular Growth Very High Risk	2.1%	0.0%	₹1671.55 Cr	-0.7%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth Very High Risk	1.4%	0.0%	₹486.74 Cr	11.2%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Regular Growth Very High Risk	2.6%	0.0%	₹486.74 Cr	9.7%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Direct Growth Moderate Risk	0.9%	0.0%	₹13.73 Cr	3.2%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth Very High Risk	1.1%	0.0%	₹116.04 Cr	-0.6%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth Very High Risk	2.4%	0.0%	₹116.04 Cr	-1.9%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Regular Growth Moderate Risk	2.0%	0.0%	₹13.73 Cr	2.0%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct Growth Moderate Risk	0.6%	0.0%	₹27.28 Cr	2.9%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth Moderate Risk	2.0%	0.0%	₹27.28 Cr	1.5%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth Moderately High risk	1.8%	0.0%	₹254.85 Cr	-0.1%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth Moderately High risk	1.2%	0.0%	₹254.85 Cr	0.4%
Union Retirement Fund Regular Growth Very High Risk	2.7%	0.0%	₹216.22 Cr	0.4%
Union Retirement Fund Direct Growth Very High Risk	1.4%	0.0%	₹216.22 Cr	1.7%
Franklin India Pension Plan Regular Growth Moderately High risk	2.2%	3.0%	₹492.59 Cr	-2.4%
Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk	2.2%	0.0%	₹46.63 Cr	-3.0%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth High Risk	1.4%	0.0%	₹284.67 Cr	-3.0%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth High Risk	2.6%	0.0%	₹284.67 Cr	-4.2%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth High Risk	1.3%	0.0%	₹705.82 Cr	-3.0%
Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk	1.3%	0.0%	₹46.63 Cr	-2.1%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth High Risk	2.5%	0.0%	₹705.82 Cr	-4.2%
Tata Retirement Savings Progressive Fund Regular Growth Very High Risk	2.2%	1.0%	₹2254.57 Cr	1.6%
Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk	2.2%	1.0%	₹171.11 Cr	1.6%
Tata Retirement Savings Moderate Fund Regular Growth Very High Risk	2.1%	1.0%	₹2251.23 Cr	1.6%

About the AMC

PGIM India Mutual Fund

+91 22 61593000

https://www.pgimindiamf.com/

Total AUM

₹28,255 Cr

Address

Nirlon House, 2nd Floor, Mumbai, 400 030

Other Funds by PGIM India Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
PGIM India Multi Asset Allocation Fund Direct Growth Very High Risk	0.8%	0.0%	₹306.51 Cr	-
PGIM India Healthcare Fund Direct Growth Very High Risk	0.9%	0.0%	₹125.15 Cr	23.2%
PGIM India Multi Cap Fund Direct Growth Very High Risk	0.8%	0.0%	₹467.85 Cr	5.8%
PGIM India Retirement Fund Direct Growth Very High Risk	1.1%	0.0%	₹108.97 Cr	0.2%
PGIM India Large and Mid Cap Fund Direct Growth Very High Risk	0.9%	0.0%	₹830.84 Cr	-2.2%
PGIM India Fixed Duration Fund - Series BH Direct Growth Moderate Risk	-	0.0%	-	-
PGIM India Fixed Duration Fund - Series BJ Direct Growth Moderate Risk	-	0.0%	-	-
PGIM India Fixed Duration Fund - Series BI Direct Growth Moderate Risk	-	0.0%	-	-
PGIM India Fixed Duration Fund - Series BF Direct Growth Moderate Risk	-	0.0%	-	-
PGIM India Fixed Duration Fund - Series BG Direct Growth Moderate Risk	-	0.0%	-	-
PGIM India Overnight Fund Direct Growth Low Risk	0.2%	0.0%	₹153.18 Cr	5.1%
PGIM India Dynamic Bond Direct Growth Low to Moderate Risk	0.5%	0.0%	₹79.56 Cr	2.5%
PGIM India Global Select Real Estate Securities Fund of Fund Direct Growth Very High Risk	1.5%	0.0%	₹60.83 Cr	10.3%
PGIM India Balanced Advantage Fund Direct Growth Moderately High risk	0.9%	0.0%	₹738.64 Cr	-4.8%
PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund Direct Growth Low to Moderate Risk	0.5%	0.0%	₹21.68 Cr	4.7%
PGIM India Flexi Cap Fund Direct Growth Very High Risk	0.8%	0.0%	₹5963.36 Cr	-1.8%
PGIM India Gilt Fund Direct Growth Moderate Risk	0.5%	0.0%	₹87.24 Cr	0.9%
PGIM India Global Equity Opportunities Fund Direct Growth Very High Risk	1.4%	0.0%	₹1643.81 Cr	8.6%
PGIM India Emerging Markets Equity Fund Direct Growth Very High Risk	1.3%	0.0%	₹1414.49 Cr	29.6%
PGIM India Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1030.92 Cr	6.5%
PGIM India Low Duration Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹93.31 Cr	7.2%
PGIM India Corporate Bond Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹85.25 Cr	4.2%
PGIM India Hybrid Equity Fund Direct Growth High Risk	1.1%	0.0%	₹204.05 Cr	-4.2%
PGIM India Large Cap Fund Direct Growth Very High Risk	1.1%	0.0%	₹538.29 Cr	-6.3%
PGIM India Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹27.94 Cr	6.7%
PGIM India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹211.36 Cr	6.3%
PGIM India Equity Savings Fund Direct Growth Moderate Risk	1.1%	0.0%	₹59.07 Cr	2.4%
PGIM India Arbitrage Fund Direct Growth Low Risk	1.1%	0.0%	₹99.08 Cr	6.6%
PGIM India Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹125.19 Cr	6.3%
PGIM India ELSS Tax Saver Fund Direct Growth Very High Risk	1.1%	0.0%	₹722.05 Cr	-2.7%
PGIM India Midcap Opportunities Fund Direct Growth Very High Risk	0.8%	0.0%	₹11217.67 Cr	-1.7%
PGIM India Credit Risk Fund Segregated Plan 1 Direct Growth Low to Moderate Risk	-	0.0%	-	-
PGIM India Banking and PSU Debt fund Direct Growth Moderate Risk	0.2%	0.0%	₹45.38 Cr	6.8%
PGIM India Small Cap Fund Direct Growth Very High Risk	0.9%	0.0%	₹1793.79 Cr	12.7%

Risk Level

Your principal amount will be at Very High Risk

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What is the current NAV of PGIM India Retirement Fund Direct Growth?

The NAV of PGIM India Retirement Fund Direct Growth, as of 07-Oct-2026, is ₹12.37.

What is the portfolio composition of PGIM India Retirement Fund Direct Growth?

The fund's allocation of assets is distributed as 96.95% in equities, 0.00% in bonds, and 3.05% in cash and cash equivalents.

Who manages the PGIM India Retirement Fund Direct Growth?

The fund managers responsible for PGIM India Retirement Fund Direct Growth are:-

Vinay Paharia
Puneet Pal
Anandha Padmanabhan Anjeneyan
Vivek Sharma

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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PGIM India Retirement Fund Direct Growth

Fund Overview