Direct
NAV (18-Jun-25)
₹12.15-0.33%1D
Returns (Since Inception)
18.29%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹84 Cr
Expense Ratio
0.69%
ISIN
INF663L01Y61
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
19 Apr 2024
About this fund
This fund has been in existence for 1 years and 2 months, having been launched on 19-Apr-24.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹12.15, Assets Under Management (AUM) of 84.45 Crores, and an expense ratio of 0.69%.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹12.15, Assets Under Management (AUM) of 84.45 Crores, and an expense ratio of 0.69%.
- PGIM India Retirement Fund Direct Growth has given a CAGR return of 18.29% since inception.
- The fund's asset allocation comprises around 96.72% in equities, 0.00% in debts, and 3.28% 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
+10.25%
— (Cat Avg.)
Since Inception
+18.29%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹81.68 Cr | 96.72% |
| Others | ₹2.77 Cr | 3.28% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| ICICI Bank Ltd | Equity | ₹5.62 Cr | 6.66% |
| HDFC Bank Ltd | Equity | ₹4.72 Cr | 5.59% |
| Reliance Industries Ltd | Equity | ₹3.94 Cr | 4.67% |
| Solar Industries India Ltd | Equity | ₹2.81 Cr | 3.33% |
| Clearing Corporation Of India Ltd. | Cash - Repurchase Agreement | ₹2.51 Cr | 2.97% |
| Bharti Airtel Ltd | Equity | ₹2.15 Cr | 2.55% |
| Tata Consultancy Services Ltd | Equity | ₹2.07 Cr | 2.46% |
| Axis Bank Ltd | Equity | ₹2 Cr | 2.37% |
| Varun Beverages Ltd | Equity | ₹1.85 Cr | 2.19% |
| InterGlobe Aviation Ltd | Equity | ₹1.69 Cr | 2.01% |
| Dixon Technologies (India) Ltd | Equity | ₹1.54 Cr | 1.82% |
| Multi Commodity Exchange of India Ltd | Equity | ₹1.5 Cr | 1.78% |
| Max Healthcare Institute Ltd Ordinary Shares | Equity | ₹1.47 Cr | 1.74% |
| Mankind Pharma Ltd | Equity | ₹1.46 Cr | 1.73% |
| Supreme Industries Ltd | Equity | ₹1.43 Cr | 1.69% |
| Krishna Institute of Medical Sciences Ltd | Equity | ₹1.38 Cr | 1.64% |
| Eternal Ltd | Equity | ₹1.38 Cr | 1.64% |
| Home First Finance Co India Ltd --- | Equity | ₹1.36 Cr | 1.62% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹1.35 Cr | 1.60% |
| J.B. Chemicals & Pharmaceuticals Ltd | Equity | ₹1.33 Cr | 1.58% |
| UltraTech Cement Ltd | Equity | ₹1.21 Cr | 1.43% |
| Bikaji Foods International Ltd | Equity | ₹1.18 Cr | 1.40% |
| SRF Ltd | Equity | ₹1.16 Cr | 1.37% |
| Vishal Mega Mart Ltd | Equity | ₹1.11 Cr | 1.32% |
| Navin Fluorine International Ltd | Equity | ₹1.05 Cr | 1.24% |
| Sai Life Sciences Ltd | Equity | ₹1 Cr | 1.18% |
| Mrs Bectors Food Specialities Ltd Ordinary Shares | Equity | ₹0.98 Cr | 1.16% |
| Tube Investments of India Ltd Ordinary Shares | Equity | ₹0.98 Cr | 1.16% |
| JSW Infrastructure Ltd | Equity | ₹0.93 Cr | 1.10% |
| Sumitomo Chemical India Ltd Ordinary Shares | Equity | ₹0.9 Cr | 1.07% |
| Gillette India Ltd | Equity | ₹0.88 Cr | 1.04% |
| Eureka Forbes Ltd | Equity | ₹0.88 Cr | 1.04% |
| DOMS Industries Ltd | Equity | ₹0.84 Cr | 1.00% |
| Affle 3i Ltd | Equity | ₹0.84 Cr | 0.99% |
| Persistent Systems Ltd | Equity | ₹0.83 Cr | 0.98% |
| NTPC Ltd | Equity | ₹0.81 Cr | 0.96% |
| Hexaware Technologies Ltd Ordinary Shares | Equity | ₹0.8 Cr | 0.95% |
| Nestle India Ltd | Equity | ₹0.79 Cr | 0.94% |
| Larsen & Toubro Ltd | Equity | ₹0.79 Cr | 0.93% |
| Sona BLW Precision Forgings Ltd | Equity | ₹0.79 Cr | 0.93% |
| CG Power & Industrial Solutions Ltd | Equity | ₹0.77 Cr | 0.91% |
| International Gemmological Institute (India) Ltd | Equity | ₹0.77 Cr | 0.91% |
| Prestige Estates Projects Ltd | Equity | ₹0.75 Cr | 0.89% |
| Data Patterns (India) Ltd | Equity | ₹0.73 Cr | 0.87% |
| Bharat Electronics Ltd | Equity | ₹0.73 Cr | 0.86% |
| Maruti Suzuki India Ltd | Equity | ₹0.73 Cr | 0.86% |
| Global Health Ltd | Equity | ₹0.73 Cr | 0.86% |
| Nippon Life India Asset Management Ltd Ordinary Shares | Equity | ₹0.71 Cr | 0.84% |
| UNO Minda Ltd | Equity | ₹0.68 Cr | 0.81% |
| Bharti Hexacom Ltd | Equity | ₹0.66 Cr | 0.78% |
| Blue Star Ltd | Equity | ₹0.65 Cr | 0.77% |
| Coromandel International Ltd | Equity | ₹0.65 Cr | 0.77% |
| Sagility India Ltd | Equity | ₹0.65 Cr | 0.77% |
| K.P.R. Mill Ltd | Equity | ₹0.65 Cr | 0.77% |
| Triveni Turbine Ltd | Equity | ₹0.64 Cr | 0.76% |
| Awfis Space Solutions Ltd | Equity | ₹0.64 Cr | 0.76% |
| SBI Life Insurance Co Ltd | Equity | ₹0.61 Cr | 0.72% |
| Neuland Laboratories Ltd | Equity | ₹0.61 Cr | 0.72% |
| Info Edge (India) Ltd | Equity | ₹0.59 Cr | 0.70% |
| Pidilite Industries Ltd | Equity | ₹0.59 Cr | 0.70% |
| United Spirits Ltd | Equity | ₹0.58 Cr | 0.69% |
| 360 One Wam Ltd Ordinary Shares | Equity | ₹0.56 Cr | 0.66% |
| Devyani International Ltd | Equity | ₹0.55 Cr | 0.65% |
| Mphasis Ltd | Equity | ₹0.55 Cr | 0.65% |
| PB Fintech Ltd | Equity | ₹0.54 Cr | 0.64% |
| Torrent Pharmaceuticals Ltd | Equity | ₹0.53 Cr | 0.62% |
| Indian Hotels Co Ltd | Equity | ₹0.49 Cr | 0.58% |
| Vinati Organics Ltd | Equity | ₹0.49 Cr | 0.58% |
| KEI Industries Ltd | Equity | ₹0.47 Cr | 0.56% |
| Safari Industries (India) Ltd | Equity | ₹0.43 Cr | 0.51% |
| Carborundum Universal Ltd | Equity | ₹0.41 Cr | 0.48% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹0.41 Cr | 0.48% |
| Trent Ltd | Equity | ₹0.4 Cr | 0.47% |
| Container Corporation of India Ltd | Equity | ₹0.39 Cr | 0.46% |
| Ecos (India) Mobility & Hospitality Ltd | Equity | ₹0.36 Cr | 0.42% |
| Torrent Power Ltd | Equity | ₹0.35 Cr | 0.41% |
| Timken India Ltd | Equity | ₹0.34 Cr | 0.40% |
| Deepak Nitrite Ltd | Equity | ₹0.29 Cr | 0.34% |
| Net Receivables / (Payables) | Cash | ₹0.26 Cr | 0.31% |
| Dr Agarwal'S Eye Hospital Ltd | Equity | ₹0.19 Cr | 0.22% |
Allocation By Market Cap (Equity)
Large Cap Stocks
41.42%
Mid Cap Stocks
28.88%
Small Cap Stocks
26.42%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹18.97 Cr | 22.47% |
| Industrials | ₹13.95 Cr | 16.51% |
| Healthcare | ₹9.75 Cr | 11.55% |
| Basic Materials | ₹8.77 Cr | 10.38% |
| Consumer Cyclical | ₹8.09 Cr | 9.58% |
| Consumer Defensive | ₹6.26 Cr | 7.42% |
| Technology | ₹5.79 Cr | 6.86% |
| Communication Services | ₹4.24 Cr | 5.02% |
| Energy | ₹3.94 Cr | 4.67% |
| Utilities | ₹1.16 Cr | 1.38% |
| Real Estate | ₹0.75 Cr | 0.89% |
Risk & Performance Ratios
Standard Deviation
This fund
--
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
--
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
VP
Vinay Paharia
Since April 2024
PP
Puneet Pal
Since April 2024
AP
Anandha Padmanabhan Anjeneyan
Since August 2024
VS
Vivek Sharma
Since August 2024
Additional Scheme Detailsas of 31st May 2025
ISIN | INF663L01Y61 | Expense Ratio | 0.69% | Exit Load | No Charges | Fund Size | ₹84 Cr | Age | 1 year 2 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:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
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 | 2.3% | 0.0% | ₹381.68 Cr | 6.2% |
| Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk | 0.5% | 0.0% | ₹381.68 Cr | 8.3% |
| PGIM India Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹84.45 Cr | 10.3% |
| PGIM India Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹84.45 Cr | 8.6% |
| Bandhan Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹180.46 Cr | 4.2% |
| Bandhan Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹180.46 Cr | 5.9% |
| Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk | 1.0% | 0.0% | ₹156.73 Cr | 8.1% |
| Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk | 2.1% | 0.0% | ₹156.73 Cr | 6.9% |
| Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk | 1.9% | 0.0% | ₹3189.62 Cr | 1.5% |
| Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk | 1.0% | 0.0% | ₹3189.62 Cr | 2.5% |
Risk Level
Your principal amount will be at Very High Risk
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We're here to help.
What is the current NAV of PGIM India Retirement Fund Direct Growth?
The NAV of PGIM India Retirement Fund Direct Growth, as of 18-Jun-2025, is ₹12.15.
What is the portfolio composition of PGIM India Retirement Fund Direct Growth?
The fund's allocation of assets is distributed as 96.72% in equities, 0.00% in bonds, and 3.28% 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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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.