PGIM India Retirement Fund
PGIM India Mutual Fund · Retirement · Regular plan, growth option
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.5% | -4.5% |
| 3 months | -2.5% | -2.7% |
| 6 months | 11.9% | 4.9% |
| Year to date | -0.8% | -2.5% |
| 1 year | -0.9% | -0.1% |
| 3 years (CAGR) | n/a | 7.2% |
| 5 years (CAGR) | n/a | 7.0% |
| 7 years (CAGR) | n/a | 9.9% |
| 10 years (CAGR) | n/a | 9.0% |
| Since first NAV (CAGR) | 7.0% | – |
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 3.3% | 8.1% |
| 3Y rolling median | n/a | 11.3% |
| 3Y rolling worst | n/a | 4.3% |
| 3Y periods positive | n/a | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 10.5% |
| 5Y rolling worst | n/a | 5.6% |
| 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.) | n/a | 10.9% |
| Sharpe ratio | n/a | 0.10 |
| Sortino ratio | n/a | 0.13 |
| 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 | −17.1% | −18.1% |
| Maximum drawdown, last 10Y | n/a | −23.5% |
| Maximum drawdown, last 5Y | n/a | −12.7% |
| Current drawdown | −6.4% | −5.8% |
| Recovery time of worst fall | 145 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
The Regular plan's expense ratio is 2.59% a year and the Direct plan's 1.12%, a gap of 1.47%. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹32,18,875.
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.
- 1 Oct 2026: TER reduced from 2.62% to 2.59% (AMFI TER disclosure)
| Fund manager | Role | Managing since |
|---|---|---|
| Vinay Paharia | 15 Apr 2024 | |
| Vivek Sharma | 1 Aug 2024 | |
| Anandha Padmanabhan Anjeneyan | 15 Apr 2024 | |
| Puneet Pal | 15 Apr 2024 |
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.59% | 2.18% |
| AUM, whole scheme (₹ crore) | 104 | 269 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 0.4% | -2.3% TRI |
Official benchmark: BSE 500 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Regular plans; how it is calculated.
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -0.8% | n/a | – |
| 2025 | 1.5% | 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 | ₹1,20,262 | 0.4% |
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 |
|---|---|---|---|
| Union Children's Fund | Children's | 0.98 | n/a |
| Baroda BNP Paribas Retirement Fund | Retirement | 0.98 | n/a |
| Union Retirement Fund | Retirement | 0.97 | 10.2% |
| Axis Retirement Fund - Dynamic Plan | Retirement | 0.97 | 9.4% |
| Nippon India Retirement Fund- Wealth Creation Scheme | Retirement | 0.97 | 8.3% |
| Tata Retirement Savings Fund-Moderate Plan | Retirement | 0.96 | 9.3% |
- What is the latest NAV of PGIM India Retirement Fund?
- The NAV of the Regular plan (growth option) was ₹11.7800 on 1 Oct 2026, as published by AMFI.
- Which category is PGIM India Retirement Fund in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Regular plans).
- What was the largest fall in PGIM India Retirement Fund's NAV?
- The largest peak-to-trough fall in its available history was 17.1%.
- What is the expense ratio (TER) of PGIM India Retirement Fund?
- The total expense ratio of the Regular plan is 2.59% a year, as disclosed to AMFI (median of Retirement Regular plans: 2.18%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is PGIM India Retirement Fund?
- Assets under management of the whole scheme were ₹104 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of PGIM India Retirement Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- Who manages PGIM India Retirement Fund?
- According to its Scheme Summary Document, PGIM India Retirement Fund is managed by Vinay Paharia (since 15 Apr 2024), Vivek Sharma (since 1 Aug 2024), Anandha Padmanabhan Anjeneyan (since 15 Apr 2024), Puneet Pal (since 15 Apr 2024).
- What is the minimum investment in PGIM India Retirement 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 0.7% and the Regular plan's by -0.9%. The Regular plan includes the services of a distributor.
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