PGIM India Aggressive Hybrid Equity Fund vs PGIM India Retirement Fund
Direct Plan, Growth option · Data as on 30-10-2026
PGIM India Aggressive Hybrid Equity Fund is an Aggressive Hybrid fund and PGIM India Retirement Fund is a Solution fund. In the year to 30-10-2026, PGIM India Aggressive Hybrid Equity Fund (Direct) returned −5.8% and PGIM India Retirement Fund (Direct) returned −3.7%. PGIM India Aggressive Hybrid Equity Fund charges 1.08% a year and PGIM India Retirement Fund 1.12% (Direct plans). Their portfolios overlap 45.6%: they hold 35 of the same securities.
PGIM India Aggressive Hybrid Equity Fund
Aggressive Hybrid
- 1 year return
- −5.8%
- Expense ratio
- 1.08%
- NAV
- ₹150.56
PGIM India Retirement Fund
Solution
- 1 year return
- −3.7%
- Expense ratio
- 1.12%
- NAV
- ₹12.09
Which is better, PGIM India Aggressive Hybrid Equity or PGIM India Retirement? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- PGIM India Retirement returned more over 1 year: −3.7% against −5.8%.
- PGIM India Aggressive Hybrid Equity costs less: 1.08% a year against 1.12% (Direct plans).
- PGIM India Aggressive Hybrid Equity fell less in its worst fall since 19-04-2024: −12.7% against −16.5%.
- PGIM India Aggressive Hybrid Equity holds more in large companies: 50.8% of the fund in large caps against 36.9%.
- PGIM India Aggressive Hybrid Equity is the larger fund: ₹193 Cr against ₹104 Cr.
- Their portfolios overlap 45.6%: 35 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | PGIM India Aggressive Hybrid Equity Fund | PGIM India Retirement Fund |
|---|---|---|
| Fund house | PGIM India Mutual Fund | PGIM India Mutual Fund |
| Category | Aggressive Hybrid | Solution |
| AUM | ₹193 Cr (30-09-2026) | ₹104 Cr (30-09-2026) |
| NAV | ₹150.56 (Direct) | ₹12.09 (Direct) |
| Expense ratio (Direct) | 1.08% | 1.12% |
| Expense ratio (Regular) | 2.55% | 2.59% |
| Riskometer | Very High | Very High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | BSE 500 TRI |
| Launch date | 05-02-2004 | 15-04-2024 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | 5 years, or until retirement if earlier |
| Fund managers | Vivek Sharma, Anandha Padmanabhan Anjeneyan, Vinay Paharia, Puneet Pal | Vinay Paharia, Vivek Sharma, and Mr. Puneet Pal |
| Exit load | Exit load of 0.5%, if redeemed within 90 days. | NIL |
PGIM India Aggressive Hybrid Equity vs PGIM India Retirement: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| PGIM India Aggressive Hybrid Equity Fund (Direct) | −0.29% | −4.36% | −1.28% | −5.77% | +9.12% | +6.31% | +9.20% |
| PGIM India Retirement Fund (Direct) | −1.95% | −5.10% | +1.60% | −3.67% | -- | -- | -- |
| Aggressive Hybrid average | −0.88% | −3.67% | −0.27% | −3.33% | +10.77% | +9.35% | +11.60% |
Category average: the average of the 29 Aggressive Hybrid funds, same plan type.
PGIM India Aggressive Hybrid Equity vs PGIM India Retirement: Year-wise Returns
| Year | Aggressive Hybrid EquityPGIM India Aggressive Hybrid Equity | RetirementPGIM India Retirement |
|---|---|---|
| 2026to date | −4.49% | −0.98% |
| 2025 | +5.89% | +3.21% |
| 2024 | +16.18% | -- |
| 2023 | +19.15% | -- |
| 2022 | −2.30% | -- |
| 2021 | +24.81% | -- |
PGIM India Aggressive Hybrid Equity vs PGIM India Retirement: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of PGIM India Retirement Fund
Rolling returns
Every 1-year holding period, 378 of them, one for each trading day from 21-04-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
PGIM India Aggressive Hybrid Equity Fund (Direct)
PGIM India Retirement Fund (Direct)
BSE 500 TRI
to
Jun 2025Sept 2024
to
Sept 2025Dec 2024
to
Dec 2025Mar 2025
to
Mar 2026Jun 2025
to
Jun 2026Sept 2025
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PGIM India Aggressive Hybrid Equity | 17.2 | 32.3 | 37.8 | 12.2 | 0.5 | 0.0 | 0.0 | 4.5% | 5.0% | −7.1% | 15.6% | 59% |
| PGIM India Retirement | 13.0 | 39.9 | 24.9 | 16.7 | 5.3 | 0.3 | 0.0 | 5.5% | 4.6% | −5.8% | 21.7% | 70% |
| BSE 500 TRI | 30.4 | 31.5 | 30.4 | 6.6 | 1.1 | 0.0 | 0.0 | 3.2% | 2.9% | −9.2% | 15.7% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is BSE 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 19-04-2024. Past returns do not promise future returns.
PGIM India Aggressive Hybrid Equity vs PGIM India Retirement: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-04-2024 to 30-10-2026: 31 instalments, ₹3,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| PGIM India Aggressive Hybrid EquityPGIM India Aggressive Hybrid Equity Fund (Direct) | ₹3,10,000 | ₹3,12,334 | ₹2,334 | 0.6% |
| PGIM India RetirementPGIM India Retirement Fund (Direct) | ₹3,10,000 | ₹3,20,401 | ₹10,401 | 2.5% |
PGIM India Aggressive Hybrid EquityPGIM India Aggressive Hybrid Equity Fund (Direct)
PGIM India RetirementPGIM India Retirement Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
PGIM India Aggressive Hybrid Equity vs PGIM India Retirement: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | PGIM India Aggressive Hybrid Equity Fund (Direct) | PGIM India Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.77% | −3.67% |
| Standard deviation | 10.24% | 13.62% |
| Sharpe ratio | -1.08 | -0.65 |
| Sortino ratio | -1.44 | -0.88 |
| Maximum drawdown | −12.3% (30-03-2026) | −14.7% (30-03-2026) |
| Beta | -- | 0.92 |
| Alpha | -- | +2.95% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | PGIM India Aggressive Hybrid Equity Fund (Direct) | PGIM India Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.15% | +7.82% |
| Standard deviation | 11.49% | 14.06% |
| Sharpe ratio | 0.41 | 0.14 |
| Sortino ratio | 0.54 | 0.19 |
| Maximum drawdown | −31.2% (23-03-2020) | −16.5% (28-02-2025) |
| Beta | -- | 0.93 |
| Alpha | -- | +4.03% |
From daily NAVs, 08-03-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
PGIM India Aggressive Hybrid Equity Fund (Direct)
PGIM India Retirement Fund (Direct)
BSE 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| PGIM India Aggressive Hybrid Equity Fund (Direct) | −12.7% | 29-10-2025 | 30-03-2026 | Not yet | -- | −6.3% |
| PGIM India Retirement Fund (Direct) | −16.5% | 23-09-2024 | 28-02-2025 | 26-06-2025 | 4 months | −7.4% |
| BSE 500 TRI | −18.7% | 26-09-2024 | 28-02-2025 | Not yet | -- | −9.4% |
From daily values since 19-04-2024, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
PGIM India Aggressive Hybrid Equity Fund (Direct)
PGIM India Retirement Fund (Direct)
BSE 500 TRI
Against BSE 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| PGIM India Aggressive Hybrid Equity Fund (Direct) | 75% | 62% | 6.25% |
| PGIM India Retirement Fund (Direct) | 106% | 86% | 4.49% |
From month-end values since 19-04-2024. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
PGIM India Aggressive Hybrid Equity vs PGIM India Retirement: Portfolio Overlap
From each fund's latest monthly portfolio: PGIM India Aggressive Hybrid Equity Fund, September 2026; PGIM India Retirement Fund, September 2026
Holdings in common
- Overlap
- 45.6%
- Held by both
- 35
- Only in PGIM India Aggressive Hybrid Equity
- 35
- Only in PGIM India Retirement
- 52
| Security | % of PGIM India Aggressive Hybrid Equity | % of PGIM India Retirement |
|---|---|---|
| ICICI Bank Ltd. | 6.41% | 5.90% |
| HDFC Bank Ltd. | 6.74% | 5.51% |
| Reliance Industries Ltd. | 3.43% | 3.18% |
| Infosys Ltd. | 2.69% | 2.40% |
| Sai Life Sciences Ltd | 1.82% | 1.93% |
| Bajaj Finance Ltd. | 2.09% | 1.78% |
| Bharti Airtel Ltd. | 3.69% | 1.77% |
| Torrent Pharmaceuticals Ltd. | 1.41% | 1.75% |
| Eternal Ltd. | 1.39% | 1.79% |
| Solar Industries India Ltd. | 1.24% | 2.19% |
| Max Healthcare Institute Ltd. | 1.30% | 1.17% |
| Multi Commodity Exchange Of India Ltd. | 1.17% | 1.98% |
| Sona BLW Precision Forgings Ltd. | 1.86% | 1.16% |
| Ultratech Cement Ltd. | 1.36% | 1.14% |
| Dixon Technologies (India) Ltd. | 1.13% | 1.32% |
| One 97 Communications Ltd. | 1.14% | 0.94% |
| Clean Max Enviro Energy Solutions Ltd. | 1.37% | 0.92% |
| Computer Age Management Services Ltd. | 0.91% | 1.06% |
| ICICI Prudential Asset Mgmt Co Ltd. | 1.01% | 0.88% |
| Larsen & Toubro Ltd. | 2.97% | 0.78% |
| VARUN BEVERAGES LIMITED | 0.77% | 0.94% |
| UNO Minda Ltd. | 1.36% | 0.76% |
| Bharat Electronics Ltd. | 0.90% | 0.71% |
| LG Electronics India Ltd. | 0.70% | 0.79% |
| Home First Finance Company India Ltd. | 0.82% | 0.65% |
| Doms Industries Ltd. | 0.62% | 1.89% |
| Horizon Industrial Parks Ltd. | 0.60% | 0.59% |
| InterGlobe Aviation Ltd. | 0.59% | 0.73% |
| Tata Consultancy Services Ltd. | 0.55% | 2.10% |
| Nestle India Ltd. | 0.55% | 0.83% |
| ICICI Lombard General Insurance Co. Ltd. | 0.53% | 1.10% |
| Craftsman Automation Ltd. | 0.52% | 0.78% |
| United Spirits Ltd. | 0.54% | 0.50% |
| Ashok Leyland Ltd. | 0.49% | 0.58% |
| Balkrishna Industries Ltd. | 0.47% | 0.70% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 45.6% means 45.6% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in PGIM India Aggressive Hybrid Equity Fund
| Security | % of fund |
|---|---|
| 7.26% Government of India | 4.70% |
| Axis Bank Ltd. | 4.10% |
| 7.1% Government of India | 2.58% |
| State Bank of India | 2.26% |
| Titan Company Ltd. | 2.14% |
Largest holdings only in PGIM India Retirement Fund
| Security | % of fund |
|---|---|
| Navin Fluorine International Ltd. | 1.64% |
| Krishna Inst of Medical Sciences Ltd. | 1.46% |
| JSW Infrastructure Ltd. | 1.44% |
| Mankind Pharma Ltd. | 1.43% |
| Rubicon Research Ltd. | 1.40% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | PGIM India Aggressive Hybrid Equity | PGIM India Retirement |
|---|---|---|
| Equity | 76.3% | 96.4% |
| Debt | 20.4% | 0.1% |
| Cash and others | 3.3% | 3.5% |
Market cap of stocks
| Market cap | PGIM India Aggressive Hybrid Equity | PGIM India Retirement |
|---|---|---|
| Large Cap | 50.8% | 36.9% |
| Mid Cap | 17.9% | 30.1% |
| Small Cap | 6.9% | 26.4% |
| Not on AMFI's list | 0.6% | 2.9% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | PGIM India Aggressive Hybrid Equity | PGIM India Retirement |
|---|---|---|
| Banks | 15.4% | 12.4% |
| Pharmaceuticals & Biotechnology | 5.4% | 8.8% |
| Auto Components | 4.2% | 7.3% |
| IT - Software | 4.6% | 4.5% |
| Capital Markets | 3.1% | 4.5% |
| Chemicals & Petrochemicals | 2.4% | 4.4% |
| Finance | 4.1% | 3.7% |
| Consumer Durables | 4.0% | 3.7% |
The six largest sectors of each fund's stocks, % of the fund.
PGIM India Aggressive Hybrid Equity vs PGIM India Retirement: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | PGIM India Aggressive Hybrid Equity Fund | PGIM India Retirement Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.08% | 1.12% |
| Base expense ratio (Direct) | 0.85% | 0.85% |
| Total expense ratio (Regular) | 2.55% | 2.59% |
| Base expense ratio (Regular) | 2.10% | 2.10% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare PGIM India Aggressive Hybrid Equity with
- PGIM India Aggressive Hybrid Equity vs Bank of India Aggressive Hybrid
- PGIM India Aggressive Hybrid Equity vs Bandhan Aggressive Hybrid
- PGIM India Aggressive Hybrid Equity vs Quant Aggressive Hybrid
- PGIM India Aggressive Hybrid Equity vs HSBC Aggressive Hybrid
- PGIM India Aggressive Hybrid Equity vs Edelweiss Aggressive Hybrid
PGIM India Aggressive Hybrid Equity Fund vs PGIM India Retirement Fund: Frequently Asked Questions
What is the difference between PGIM India Aggressive Hybrid Equity Fund and PGIM India Retirement Fund?
PGIM India Aggressive Hybrid Equity Fund is an Aggressive Hybrid fund, PGIM India Retirement Fund is a Solution fund, run by PGIM India Mutual Fund. Their portfolios overlap 45.6%. PGIM India Aggressive Hybrid Equity Fund charges 1.08% a year and PGIM India Retirement Fund 1.12%.
Which has given higher returns, PGIM India Aggressive Hybrid Equity Fund or PGIM India Retirement Fund?
Over 1 year: PGIM India Aggressive Hybrid Equity Fund −5.77%, PGIM India Retirement Fund −3.67%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, PGIM India Aggressive Hybrid Equity Fund or PGIM India Retirement Fund?
PGIM India Aggressive Hybrid Equity Fund charges less: 1.08% a year against 1.12%. These are the Direct plans' total expense ratios reported to AMFI.
How much do PGIM India Aggressive Hybrid Equity Fund and PGIM India Retirement Fund overlap?
45.6%. They hold 35 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, RELIANCE. From each fund's latest monthly portfolio.
Which is riskier, PGIM India Aggressive Hybrid Equity Fund or PGIM India Retirement Fund?
On SEBI's riskometer, PGIM India Aggressive Hybrid Equity Fund is rated Very High and PGIM India Retirement Fund Very High. Over 1 years, the standard deviation of daily returns was 10.24% and 13.62% a year.
Can I invest in both PGIM India Aggressive Hybrid Equity Fund and PGIM India Retirement Fund?
Yes. 45.6% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages PGIM India Aggressive Hybrid Equity Fund and PGIM India Retirement Fund?
PGIM India Aggressive Hybrid Equity Fund: Vivek Sharma, Anandha Padmanabhan Anjeneyan, Vinay Paharia, Puneet Pal. PGIM India Retirement Fund: Vinay Paharia, Vivek Sharma, and Mr. Puneet Pal.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.