Net Asset Value or NAV is one of the crucial factors that help investors to make informed investment decisions as it gives you a sense of past performance. In some cases, the NAV of mutual fund units helps to determine the portfolio or investment return. Generally, a fund with a lower NAV is more likely to generate better returns than one with a higher NAV. This is because, with lower NAV, you get more units of the fund, helping you get a higher return.

There are different types and categories of PGIM MF (Mutual Fund). Every category has its specific investment objective and involves different levels of risk. Therefore, you need to ensure that you choose funds that align with your risk tolerance and financial objectives.

At present, PGIM India Asset Management provides a total of 21 diverse mutual fund schemes. Out of these, 8 are equity schemes, 9 are debt  schemes and 4 are hybrid  schemes.

Another factor to consider before investing in PGIM Mutual Funds is the length of existence of a particular fund in the Indian market. A mutual fund is generally considered an ideal option if it undergoes different timeframes and multiple cycles of the market. It helps you understand the stability and return of the fund, thus making you make informed financial decisions.

You must also examine the past PGIM mutual fund performance across various timeframes, such as 1 year, 3 years and 5 years before investing. While examining, you need to look out for consistency in the expected annual return. Moreover, you can compare your desired fund’s performance to both its benchmark index and its peer group.

In the case of mutual funds offered by PGIM India Asset Management, PGIM India Midcap Opportunities Fund, PGIM India Flexi Cap Fund, and PGIM India Small Cap Fund are the top-performing funds as of December 2023.

SIP and Lump Sum are two popular investment strategies for investing in mutual funds. Before you initiate the payment, you need to plan out your overall expenses accordingly. Whether you want monthly or one-time deductions, you need to ensure there is sufficient balance for mutual fund investments. 

For this, you need to first estimate how much investment amount is required to meet your expected annual return. This can be done easily with the help of the PGIM Mutual Fund SIP Calculator. 

It is a fee that you have to pay if you prematurely want to withdraw from a particular mutual fund scheme. However, not every mutual fund scheme imposes these charges. So, you should check the terms and conditions before starting your investment.  

Download the INDmoney app and create your free investment account by completing your KYC ( Know Your Customer).

Once your Free investment account is ready, you can either search for PGIM Mutual Fund or go to the mutual fund section.

Choose any PGIM Mutual Fund by looking at aspects like past returns, volatility, downside capture ratio, AUM, Expense ratios and underlying stocks and sectors.

You can choose to set up a SIP in any PGIM Mutual Fund or even invest as a lump sum. Once you are on the individual PGIM Mutual Fund page click from the bottom "One-time" for lump sum investment or "SIP" for a systematic investment plan. 

Choose the amount that you want to invest as SIP or LumpSum. 

Set up payments. If you choose to set up SIP in any SBI mutual funds, you can do a free automatic pay set up via bank mandate or UPI. If you choose to invest in lumpsum (one-time) then you can pay via UPI, net banking, NEFT or RTGS.