PGIM India Retirement Fund Direct Growth

PGIM India Retirement Fund Direct Growth

Get the latest NAV of PGIM India Retirement Fund Direct Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹12.55

0.1%1D

NAV as on 17 Jul 2025

20.16%/per year

Since Inception

Absolute Gain%

177 people have invested ₹ 12.5L in PGIM India Retirement Fund Direct Growth in the last three months

Fund Performance

as on (17-Jul-25)

Period
This Fund
Retirement Index
1 Month
2.7%
-
3 Months
11.16%
-
6 Months
10.09%
-
1 Year
10.18%
-

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
PGIM India Retirement Fund
-
90Cr
0.7%
10.18%
-
20.16%
Tata Retirement Savings Progressive Fund Direct Growth
1/10
2,178Cr
0.52%
2.96%
21.64%
16.35%
Tata Retirement Savings Moderate Fund Direct Growth
2/10
2,230Cr
0.59%
4.72%
19.87%
16.11%
ICICI Prudential Retirement Fund Pure Equity Direct Growth
3/10
1,326Cr
0.74%
9.95%
28.36%
22.45%

PGIM India Retirement Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit


Total Corpus

0

Absolute Return

PGIM India Retirement Fund Asset Allocation

See fund asset allocation details as on (14-Jul-25)

Fund Distribution

as on (14-Jul-25)

Equity 95.1%

Debt & Cash 4.9%

Large cap
39.7%

Mid cap
29.3%

Small cap
26.1%

PGIM India Retirement Fund Sector Allocation

See fund sector allocation details as on (14-Jul-25)

Sector Allocation

Equity 95.1%

Debt & Cash 4.9%

Financial Services
23.3%
Industrial
15.1%
Consumer Cyclical
11.9%
Basic Materials
11.2%
Health
11.2%
Tech
10.3%
Consumer Defensive
6%
Communication
4.9%
Energy
3.7%
Utilities
1.6%
Real Estate
0.6%

Top 3 Sectors in June were Financial Services, Industrial & Health

Jun'25

Financial Services

24%

Industrial

17%

Health

12%

May'25

Financial Services

23%

Industrial

17%

Health

12%

PGIM India Retirement Fund Holdings Details

as on (30-Jun-25)

Equity

PGIM India Retirement Fund Direct Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.7%
Benchmark
BSE 500 India INR
AUM₹90 Cr
Inception Date19 April, 2024
Min Lumpsum/SIP₹5000/₹1000
Exit Load0%
Lock In5 Years
TurnOver
0%
STCGSelling mutual fund before 1 year, returns taxed at 20%.
LTCGAfter 1 year, 12.5% tax on returns over ₹1.25 lakh/year.
Risk
Risk meter
pointer
Very High Risk

About PGIM India Retirement Fund

PGIM India Retirement Fund Direct Growth is a hybrid fund. This fund was started on 19 April, 2024. The fund is managed by Vinay Paharia, Puneet Pal, Anandha Padmanabhan Anjeneyan. This fund gives you the benefit of diversification.

Key Parameters

  1. PGIM India Retirement Fund Direct Growth has ₹90 Cr worth of assets under management (AUM) as on Jul 2025 and is more than category average.
  2. The fund has an expense ratio 0.7.

Returns

PGIM India Retirement Fund Direct Growth has given a CAGR return of 20.16% since inception. Over the last 1 year the fund has given a CAGR return of 10.18%.

Holdings

PGIM India Retirement Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Industrial, Health, Basic Materials, Consumer Cyclical, Consumer Defensive, Tech, Communication, Energy, Real Estate, Utilities.

Taxation

As it is a retirement mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of PGIM India Retirement Fund Direct Growth

The investment objective of the scheme is to provide capital appreciation and income to investors in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments, REITs and InvITs, and fixed income securities. However, there is no assurance that the investment objective of the scheme will be achieved. The Scheme does not guarantee/ indicate any returns.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 1000.00. There is a lock in period for PGIM India Retirement Fund Direct Growth of 5 Years

Fund Manager

Vinay Paharia

Fund Manager of PGIM India Retirement Fund Direct Growth, since 19 April 2024

Puneet Pal

Fund Manager of PGIM India Retirement Fund Direct Growth, since 19 April 2024

Anandha Padmanabhan Anjeneyan

Fund Manager of PGIM India Retirement Fund Direct Growth, since 1 August 2024

Learn more about PGIM Mutual Fund
Parameters
Jun'25
May'25
Apr'25
AUM
₹ 89.7 Cr
₹ 84.4 Cr
₹ 80.6 Cr
  • AUM of the fund stands at 89.7 Cr as of Jun'25
  • AUM increased by 5.2 Cr between Jun'25 and May'25

Frequently Asked Questions for PGIM India Retirement Fund Direct Growth

How do I invest in PGIM India Retirement Fund?

INDmoney makes it simple to invest in the PGIM India Retirement Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘PGIM India Retirement Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of PGIM India Retirement Fund?

The NAV of the fund today is ₹12.55. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

PGIM India Retirement Fund fund has generated a return of 10.18% in 1 year

Who is the fund manager of PGIM India Retirement Fund?

The fund managers are Vinay Paharia, Puneet Pal, Anandha Padmanabhan Anjeneyan.

What is the exit load of the fund?

The exit load is . Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.70%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹90 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of PGIM India Retirement Fund?

The top 3 holdings of the fund are ICICI Bank Ltd(6.27%), HDFC Bank Ltd(5.41%), Reliance Industries Ltd(4.65%)