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PGIM India Retirement Fund - Regular Plan - Growth

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Fund info
NAV (as on 2025-07-18)
12.21 -0.65%
AUM (Fund Size)
N/A
Expense Ratio
N/A
Exit load
NIL
Risk
N/A
AMC
PGIM INDIA MUTUAL FUND
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,005.77
0.58 %
Two Week 2025-07-03 ₹1,000.00 ₹1,001.64
0.16 %
One Month 2025-06-18 ₹1,000.00 ₹1,024.33
2.43 %
Three Months 2025-04-21 ₹3,000.00 ₹3,136.45
4.55 %
Six Months 2025-01-20 ₹6,000.00 ₹6,504.75
8.41 %
One Year 2024-07-18 ₹12,000.00 ₹12,878.24
7.32 %
Since Inception 2024-04-15 ₹16,000.00 ₹17,376.89
8.61 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 51%
Debt 0%
Others 0%

Sectors Holding in PGIM India Retirement Fund - Regular Plan - Growth

Banks
13%
Petroleum Products
4%
Chemicals & Petrochemicals
5%
Telecom - Services
2%
IT - Software
2%
Beverages
2%
Transport Services
2%
Consumer Durables
2%
Capital Markets
1%
Healthcare Services
2%
Pharmaceuticals & Biotechnology
3%
Industrial Products
1%
Retailing
2%
Finance
1%
Insurance
1%
Cement & Cement Products
1%
Food Products
2%
Auto Components
1%
Transport Infrastructure
1%
Fertilizers & Agrochemicals
1%
Personal Products
1%
Household Products
1%
IT - Services
0%
Power
0%
Construction
0%
Electrical Equipment
0%
Commercial Services & Supplies
0%
Realty
0%
Aerospace & Defense
0%
Automobiles
0%
Textiles & Apparels
0%
Leisure Services
0%
Financial Technology (Fintech)
0%
Other
0%

Companies Holding in PGIM India Retirement Fund - Regular Plan - Growth

ICICI Bank Ltd.
6.66%
HDFC Bank Ltd.
5.59%
Reliance Industries Ltd.
4.67%
Solar Industries India Ltd.
3.33%
Bharti Airtel Ltd.
2.55%
Tata Consultancy Services Ltd.
2.46%
Axis Bank Ltd.
2.37%
VARUN BEVERAGES LIMITED
2.19%
InterGlobe Aviation Ltd.
2.01%
Dixon Technologies (India) Ltd.
1.82%
Multi Commodity Exchange Of India Ltd.
1.78%
Max Healthcare Institute Ltd.
1.74%
Mankind Pharma Ltd.
1.73%
Supreme Industries Ltd.
1.69%
Krishna Inst Of Medical Sciences Ltd.
1.64%
Eternal Ltd.
1.64%
Home First Finance Company India Ltd.
1.62%
ICICI Lombard General Insurance Co. Ltd.
1.60%
JB Chemicals & Pharmaceuticals Ltd.
1.58%
Ultratech Cement Ltd.
1.43%
Bikaji Foods International Ltd.
1.40%
SRF Ltd.
1.37%
Vishal Mega Mart Ltd
1.32%
Navin Fluorine International Ltd.
1.24%
Sai Life Sciences Ltd
1.18%
MRS Bectors Food Specialities Ltd.
1.16%
Tube Investments Of India Ltd.
1.16%
JSW Infrastructure Ltd.
1.10%
Sumitomo Chemical India Ltd.
1.07%
Gillette India Ltd.
1.04%
Eureka Forbes Ltd.
1.04%
Doms Industries Ltd.
1.00%
Affle 3i Ltd.
0.99%
Persistent Systems Ltd.
0.98%
NTPC Ltd.
0.96%
Hexaware Technologies Ltd.
0.95%
Nestle India Ltd.
0.94%
Larsen & Toubro Ltd.
0.93%
Sona BLW Precision Forgings Ltd.
0.93%
CG Power And Industrial Solutions Ltd.
0.91%
International Gemmological Inst Ind Ltd.
0.91%
Prestige Estates Projects Ltd.
0.89%
Data Patterns (India) Ltd.
0.87%
Bharat Electronics Ltd.
0.86%
Maruti Suzuki India Ltd.
0.86%
Global Health Ltd.
0.86%
Nippon Life India Asset Management Ltd.
0.84%
UNO Minda Ltd.
0.81%
Bharti Hexacom Ltd.
0.78%
Blue Star Ltd.
0.77%
Coromandel International Ltd.
0.77%
Sagility India Ltd.
0.77%
K.P.R. Mill Ltd.
0.77%
Triveni Turbine Ltd.
0.76%
AWFIS Space Solutions Ltd.
0.76%
SBI Life Insurance Company Ltd.
0.72%
Neuland Laboratories Ltd.
0.72%
Info Edge (India) Ltd.
0.70%
Pidilite Industries Ltd.
0.70%
United Spirits Ltd.
0.69%
360 One Wam Ltd.
0.66%
Devyani International Ltd.
0.65%
Mphasis Ltd.
0.65%
PB Fintech Ltd.
0.64%
Torrent Pharmaceuticals Ltd.
0.62%
The Indian Hotels Company Ltd.
0.58%
Vinati Organics Ltd.
0.58%
KEI Industries Ltd.
0.56%
Safari Industries India Ltd.
0.51%
Carborundum Universal Ltd.
0.48%
Sun Pharmaceutical Industries Ltd.
0.48%
Trent Ltd.
0.47%
Container Corporation Of India Ltd.
0.46%
ECOS (India) Mobility & Hospitality Ltd.
0.42%
Torrent Power Ltd.
0.41%
Timken India Ltd.
0.40%
Deepak Nitrite Ltd.
0.34%
Dr Agarwal's Eye Hospital Ltd.
0.22%
Clearing Corporation Of India Ltd.
0.68%
Net Receivables / (Payables)
0.32%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
N/A
Expense Ratio Direct
N/A
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Mr. Vinay Paharia
Over 20 years Experience
Mr. Puneet Pal
Over 22 years Experience

Exit load

NIL

FAQs

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