PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund
PGIM India Mutual Fund · Debt Index Fund · Direct plan, growth option
| Period | Scheme | Category median | Target maturity 2028 median |
|---|---|---|---|
| 1 month | 0.0% | 0.2% | 0.2% |
| 3 months | 0.9% | 1.1% | 1.0% |
| 6 months | 2.5% | 2.9% | 2.9% |
| Year to date | 3.3% | 3.9% | 3.6% |
| 1 year | 4.8% | 5.5% | 5.2% |
| 3 years (CAGR) | 7.1% | 7.4% | 7.4% |
| 5 years (CAGR) | n/a | 6.0% | 6.1% |
| 7 years (CAGR) | n/a | n/a | n/a |
| 10 years (CAGR) | n/a | n/a | n/a |
| Since first NAV (CAGR) | 7.4% | – | – |
“Target maturity 2028” is MFIC's grouping of Debt Index Fund schemes by the theme or index in their names, not an AMFI category.
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.0% | 7.8% |
| 3Y rolling median | 7.3% | 7.6% |
| 3Y rolling worst | 6.9% | 6.9% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 6.2% |
| 5Y rolling worst | n/a | 6.0% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 1.2% | 1.3% |
| Sharpe ratio | 0.50 | 0.67 |
| Sortino ratio | 0.78 | 1.08 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −0.7% | −0.8% |
| Maximum drawdown, last 10Y | n/a | n/a |
| Maximum drawdown, last 5Y | n/a | −3.2% |
| Current drawdown | −0.1% | 0.0% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
This scheme aim to track the market below, so its level, valuation and recent path are the main drivers of returns.
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
The Regular plan's expense ratio is 0.60% a year and the Direct plan's 0.46%, a gap of 0.14%; over the last 3 years the Direct plan returned 0.16 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹3,63,216.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
| Fund manager | Role | Managing since |
|---|---|---|
| Sandeep Devan | 25 Feb 2026 | |
| Puneet Pal | 22 Feb 2023 |
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.46% | 0.20% |
| AUM, whole scheme (₹ crore) | 21 | 260 |
| Riskometer | Low to Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
| Measure | Scheme | Benchmark / category |
|---|
Official benchmark: CRISIL IBX Gilt Index - April 2028 (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Debt Index Fund Direct plans; how it is calculated.
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 3.3% | n/a | – |
| 2025 | 8.1% | n/a | – |
| 2024 | 7.9% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,22,884 | 4.5% |
| 3 years | ₹3,60,000 | ₹3,96,532 | 6.4% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| BANDHAN CRISIL IBX GILT APRIL 2028 INDEX FUND | Debt Index Fund | 1.00 | 7.4% |
| Aditya Birla Sun Life Crisil IBX Gilt Apr 2028 Index Fund | Debt Index Fund | 1.00 | 7.0% |
| DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund | Debt Index Fund | 0.98 | 7.4% |
| BANDHAN CRISIL IBX GILT JUNE 2027 INDEX FUND | Debt Index Fund | 0.97 | 7.3% |
| Nippon India Nifty G-Sec Sep 2027 Maturity Index Fund | Debt Index Fund | 0.97 | 7.3% |
| Nippon India Nifty G-Sec Oct 2028 Maturity Index Fund | Debt Index Fund | 0.97 | 7.3% |
- What is the latest NAV of PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund?
- The NAV of the Direct plan (growth option) was ₹12.8988 on 1 Oct 2026, as published by AMFI.
- Which category is PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund in?
- It is classified as Debt Index Fund in AMFI's daily NAV file. MFIC compares it with 108 Debt Index Fund schemes (Direct plans).
- What returns has PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund delivered?
- Over one year the NAV changed by 4.8%. The 3-year CAGR is 7.1% (category median 7.4%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 7.3%, the lowest was 6.9%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund's NAV?
- The largest peak-to-trough fall in its available history was 0.7%.
- How volatile is PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 1.2%, which is below the Debt Index Fund category median of 1.3%.
- What would a monthly SIP in PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹3,96,532 on 1 Oct 2026, an annualised return (XIRR) of 6.4%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund?
- The total expense ratio of the Direct plan is 0.46% a year, as disclosed to AMFI (median of Debt Index Fund Direct plans: 0.20%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund?
- Assets under management of the whole scheme were ₹21 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund?
- AMFI lists the scheme's riskometer as “Low to Moderate”, and its benchmark's as “Low to Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- Who manages PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund?
- According to its Scheme Summary Document, PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund is managed by Sandeep Devan (since 25 Feb 2026), Puneet Pal (since 22 Feb 2023).
- What is the minimum investment in PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund?
- The minimum application amount is Rs. 5000. SIP details: SIP - Monthly/Quarterly : 1000, SWP - Monthly/ Quartely/ Annually : 1000, STP -Daily/Weekly/Monthly/Quarterly :1000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 4.8% and the Regular plan's by 4.6%. The Regular plan includes the services of a distributor.
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