Solution OrientedRetirement FundRegularIDCWHigh

PGIM India Retirement Fund

Q: What is the NAV of PGIM India Retirement Fund?

As of 20 Aug 2026, the NAV of PGIM India Retirement Fund is ₹12.57 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has PGIM India Retirement Fund delivered?

PGIM India Retirement Fund has returned +2.44% over 1 year and +10.33% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of PGIM India Retirement Fund?

PGIM India Retirement Fund charges an expense ratio of 2.60% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of PGIM India Retirement Fund?

Its largest holdings are Others CBLO (7.3%), ICICI Bank Ltd (5.2%), HDFC Bank Ltd (4.3%), Reliance Industries Ltd (3.5%) and Solar Industries India Ltd (2.6%). Holdings are disclosed monthly and change over time.

Q: How risky is PGIM India Retirement Fund?

It is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 14.3% and its worst peak-to-trough fall in our sample was -17.1%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of -0.28 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. PGIM India Retirement Fund's -0.28 means it has not compensated investors for its volatility over the window. Higher is better.

Q: What is the benchmark of PGIM India Retirement Fund?

PGIM India Retirement Fund is benchmarked against the BSE 500 TRI. Its alpha and beta on this page are measured against that index.

Q: Who manages PGIM India Retirement Fund?

PGIM India Retirement Fund is managed by Padmanabhan Anjeneyan at PGIM India.

Q: How is PGIM India Retirement Fund taxed?

PGIM India Retirement Fund is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.

PGIM India Mutual Fund · Best Retirement Mutual Funds

This is the Regular plan of PGIM India Retirement Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed, which is why this NAV sits below the growth plan of the same fund.

NAV

₹12.57

+0.56% 1D

as of 20 Aug 2026

Compare SIP calculator

Performance

+2.86%CAGR

52-week rangePrev NAV ₹12.50

Latest ₹12.57

Low ₹10.37100th percentile of its 52-week rangeHigh ₹12.57

Scorecard

★★☆☆☆2/5 vs 22 of 21 Retirement Fund peers1Y

Performance 60%
Risk 15%
Cost 10%
Downside 15%

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Retirement Fund (same plan and option). Based on a 1-year record — this fund is too young for a 3-year CAGR, so its performance is ranked on 1Y against the same peers. 22 of the 21 Retirement Funds in this cohort carry the full record the stars need, so they are the ones ranked against.

Performance—

Not enough Retirement Fund peers to rank yet

RiskHigh

Volatility 14.3% vs 9.9% category avg

CostHigh

2.6% expense vs 2.2% category avg

Consistency—

Not enough history for a rolling 3Y view

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

Ahead of the Retirement Fund average on 1M/3M/6M/1Y — 1Y by 1.23pp

Concerns

More volatile than its Retirement Fund peers (14.3% vs 9.9%)
High expense ratio (2.60%) vs the Retirement Fund average of 2.24%

Key Metrics

Annual fee charged by the fund, already deducted from NAV

Category 2.24%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

Category 25.29

Excess return per unit of total volatility (rf = 6.5%)

-0.28

Category -0.01▼0.27

Scheme Info

Definitions

Plan

Regular · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

Exit Load

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Smallest recurring SIP instalment the scheme accepts

Smallest one-time (lumpsum) investment the scheme accepts

Benchmark

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

19 Apr 2024

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

+2.20%

Absolute return over the last 3 months (not annualized)

+7.90%

Absolute return over the last 6 months (not annualized)

+8.55%

Absolute return since 1 Jan of this year (not annualized)

+5.90%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+2.44%

3-year annualized return (CAGR)

—

5-year annualized return (CAGR)

—

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the fund's inception

+10.33%

Advanced metrics — risk and benchmark ratios

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

14.28%

Excess return per unit of total volatility (rf = 6.5%)

-0.28

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

-0.39

Largest peak-to-trough decline over full history

-17.14%

Benchmark ratios (vs Nifty 500 · 36 monthly returns)

Definitions

Jensen's alpha (annualized): return above what CAPM predicts for the fund's beta vs Nifty 500

—

Sensitivity to Nifty 500 moves; 1 = moves with the index

—

How much of the fund's movement Nifty 500 explains

—

Excess return per unit of beta (market risk)

—

Active return over the benchmark per unit of tracking error

—

Annualized std dev of fund-minus-benchmark returns

—

Fund's share of benchmark gains in up months (100 = matches index)

—

Fund's share of benchmark losses in down months (lower is better)

—

Computed vs the Nifty 500 price index — the closest match to this fund's mandate. Needs ~3 years of history; a low R² means the fund tracks the index loosely.

Fund vs category average (Retirement Fund)

Period	Fund	Category avg.	Diff
1M abs	+2.20%	+1.26%	+0.94%
3M abs	+7.90%	+3.69%	+4.21%
6M abs	+8.55%	+1.58%	+6.97%
1Y CAGR	+2.44%	+1.21%	+1.23%
3Y CAGR	—	+7.76%	—
5Y CAGR	—	+7.08%	—

Category average across peers in Retirement Fund (up to 21 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Category rank

Vs 21 peers in Retirement Fund

1Y return

+2.44%

Beats 47.6% · rank #12

3Y return

—

5Y return

—

Sharpe

-0.28

Beats 23.8% · rank #17

Sortino

-0.39

Beats 23.8% · rank #17

Rolling returns

Return for every possible 1Y holding period, not just today’s

This fundNifty 500

Average

+4.6%

Median

+2.4%

Best

+12.6%

Worst

-1.5%

Positive periods

88.2%

17 overlapping 1Y windows, sampled monthly across the fund’s history.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹1.20L

Current value

₹1.27L

Absolute

+6.17%

XIRR

+13.79%

Value vs. invested

12 monthly installments of ₹10,000 into PGIM India Retirement Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund	Nifty 500	Diff
2026part	+5.90%	-1.50%	+7.40%
2025	+1.54%	+6.69%	-5.15%
2024part	+17.01%	—	—

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in; those years show no benchmark comparison.

History points

577

Expense ratio

AUM

Portfolio turnover

Exit load

P/E ratio

P/B ratio

Avg market cap

Taxation

Taxed as equity

This is an equity-oriented fund (≥65% in Indian equities), so gains get the concessional capital-gains rates below — they do not add to your income-tax slab.

Short-term (STCG)

20%

Held under 1 year

Flat, on the whole gain

Long-term (LTCG)

12.5%

Held 1 year or more

On gains above ₹1.25 L per financial year

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Retirement Fund

Compare all


PGIM India Retirement FundThis fund PGIM India	★★☆☆☆ 1Y	+2.44%	—	—	35.29	2.60%	₹97.87Cr
ICICI Prudential Retirement Fund Pure Equity ICICI Prudential	★★★★★	+8.99%	+20.92%	+19.58%	28.33	2.13%	₹1,884Cr
ICICI Prudential Retirement Fund Hybrid Aggressive ICICI Prudential	★★★★★	+9.41%	+18.42%	+15.07%	29.33	2.45%	₹1,173Cr
Union Retirement Fund Union	★★★☆☆	+7.07%	+14.02%	—	25.55	2.69%	₹197.16Cr
SBI Retirement Benefit Fund - Aggressive Hybrid SBI	★★★★★	+5.54%	+10.39%	+11.79%	26.95	2.14%	₹1,564Cr
SBI Retirement Benefit Fund - Aggressive SBI	★★★★☆	+2.63%	+9.76%	+12.14%	26.99	2.07%	₹2,988Cr

Market-cap allocation · AMFI bands, Jul 2026

Equity holdings by company size — 100% of the equity sleeve priced.

Large cap39.1%
Mid cap36.9%
Small cap23.9%

🚩Holdings under NSE surveillance (ASM)

2 holdings — 1.45% of the portfolio — sit in stocks NSE currently lists under its Additional Surveillance Measure. ASM is an exchange response to unusual price or volume activity (higher margins, and trade-for-trade settlement at stage II), not a view on the company or on this fund.

Rubicon Research LimitedLong-term · Stage I1.22%
BlueStone Jewellery and Lifestyle LimitedLong-term · Stage I0.23%

Source: NSE ASM list, matched to holdings by company name — a holding whose name differs from NSE's spelling may not be matched. BSE's separate list is not covered.

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-17.1%23 Sep 2024 → 28 Feb 2025
Fell over 5 months, back to the old high on 23 Jul 2025 — 5 months under water after the low.
-16.0%19 Sep 2025 → 30 Mar 2026
Fell over 6 months, back to the old high on 03 Aug 2026 — 4 months under water after the low.
-5.2%03 Jun 2024 → 04 Jun 2024
Fell over 1 day, back to the old high on 07 Jun 2024 — 3 days under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

Fund size over time

Quarterly average AUM · AMFI

₹97.87Cr

April - June 2026

+4%

since January - March 2026

At or near its largest, ₹97.87Cr in April - June 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

PGIM India in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

Run SIP calculator Add to compare

Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

Frequently asked questions

What is the NAV of PGIM India Retirement Fund?

As of 20 Aug 2026, the NAV of PGIM India Retirement Fund is ₹12.57 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has PGIM India Retirement Fund delivered?

PGIM India Retirement Fund has returned +2.44% over 1 year and +10.33% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of PGIM India Retirement Fund?

PGIM India Retirement Fund charges an expense ratio of 2.60% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

What are the top holdings of PGIM India Retirement Fund?

Its largest holdings are Others CBLO (7.3%), ICICI Bank Ltd (5.2%), HDFC Bank Ltd (4.3%), Reliance Industries Ltd (3.5%) and Solar Industries India Ltd (2.6%). Holdings are disclosed monthly and change over time.

How risky is PGIM India Retirement Fund?

It is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 14.3% and its worst peak-to-trough fall in our sample was -17.1%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of -0.28 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. PGIM India Retirement Fund's -0.28 means it has not compensated investors for its volatility over the window. Higher is better.

What is the benchmark of PGIM India Retirement Fund?

PGIM India Retirement Fund is benchmarked against the BSE 500 TRI. Its alpha and beta on this page are measured against that index.

Who manages PGIM India Retirement Fund?

PGIM India Retirement Fund is managed by Padmanabhan Anjeneyan at PGIM India.

How is PGIM India Retirement Fund taxed?

PGIM India Retirement Fund is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.