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    PGIM India Retirement Fund

    SolutionDirect and Regular plans, Growth and IDCW options

    Data as on 30-10-2026

    Compare this fundTrack this fund

    PGIM India Retirement Fund is a mutual fund run by PGIM India Mutual Fund. On 30-09-2026, it managed ₹104 Cr of investors' money. In the year to 30-10-2026, its Direct plan returned −3.7% and its Regular plan returned −5.2%. Its benchmark, BSE 500 TRI, returned −7.7% over the same year.

    NAV (Direct plan)
    ₹12.09
    ▼ 0.33%30-10-2026
    NAV (Regular plan)
    ₹11.61
    ▼ 0.26%30-10-2026
    Expense ratio
    1.12%Direct2.59%Regular
    Riskometer
    Very High
    Set by the fund house
    1 year return
    −3.7%Direct−5.2%Regular

    PGIM India Retirement Fund NAV Today

    NAV on 30-10-2026: Direct Plan Growth ₹12.09 (down 0.33% that day); Regular Plan Growth ₹11.61 (down 0.26% that day).

    PGIM India Retirement Fund Returns vs BSE 500 TRI

    Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

    Trailing returns
    Period1M3M6M1Y3Y5Y10Y
    This fund (Direct)−1.95%−5.10%+1.60%−3.67%------
    This fund (Regular)−2.03%−5.38%+0.87%−5.15%------
    BSE 500 TRI−0.87%−6.09%−2.95%−7.66%+9.89%+8.65%+12.51%
    Category average--------------
    Best in category--------------
    Worst in category--------------
    Rank in category--------------

    No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds.

    PGIM India Retirement Fund Year-wise Returns

    Return of each calendar year
    YearDirectRegularBSE 500 TRI
    2026to date−0.98%−2.19%−7.81%
    2025+3.21%+1.54%+7.63%

    PGIM India Retirement Fund Rolling Returns

    The return of every holding period in the fund's history, not only the one that ends today

    Rolling returns

    Each point is the yearly return of one 1-year holding period, plotted on the day it ended. There are 378 periods, one for each trading day from 21-04-2025 to 30-10-2026.

    −10%−5%0%5%10%15%20%
    Jun 2024
    to
    Jun 2025    Sept 2024
    to
    Sept 2025    Dec 2024
    to
    Dec 2025    Mar 2025
    to
    Mar 2026    Jun 2025
    to
    Jun 2026    Sept 2025
    to
    Sept 2026
    PGIM India Retirement Fund (Direct)BSE 500 TRI

    Every holding period at a glance

    PeriodPeriodsMedianLowestHighestWith a lossBenchmark medianBeat benchmark
    1 year3784.6%−5.8%21.7%13%2.9%70%
    2 years1325.8%0.2%10.0%0%1.4%100%

    Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than BSE 500 TRI over the same days. Past returns do not promise future returns.

    PGIM India Retirement Fund Risk

    How much it swings, and the falls an investor had to sit through

    Risk and return

    MeasurePGIM India Retirement Fund (Direct)This fundBSE 500 TRI
    Return (CAGR)−3.67%−7.66%
    Standard deviation13.62%14.32%
    Sharpe ratio-0.65-0.90
    Sortino ratio-0.88-1.19
    Maximum drawdown−14.7% (30-03-2026)−14.8% (30-03-2026)
    Beta0.921.00
    Alpha+2.95%0.00%

    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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

    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.

    −20%−15%−10%−5%0%
    20252026
    PGIM India Retirement Fund (Direct)BSE 500 TRI
    Worst fallHigh before itBottomBack at the highTime to climb backBelow its high today
    PGIM India Retirement Fund (Direct)−16.5%23-09-202428-02-202526-06-20254 months−7.4%
    BSE 500 TRI−18.7%26-09-202428-02-2025Not yet--−9.4%

    From the Direct plan's daily NAV since 19-04-2024, adjusted for unit splits, and BSE 500 TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

    PGIM India Retirement Fund Expense Ratio and Costs

    What each plan charges a year, in force from 01-10-2026

    PlanBase expense ratioBrokerageTransaction costsLevies and GSTTotal expense ratio
    Direct0.85%0.04%0.00%0.23%1.12%
    Regular2.10%0.04%0.00%0.45%2.59%

    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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.

    Direct vs Regular: what the gap cost

    Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

    Over the lastRegularDirectDirect earned more by₹1 lakh became (Regular)₹1 lakh became (Direct)
    1 year−5.15%−3.67%1.48%₹94,850₹96,330

    Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

    PGIM India Retirement Fund SIP Calculator

    What a one-time or monthly investment in this fund would be worth today, from its own NAV history

    Growth of an investment

    Step up each year
    PeriodFor

    ₹10,000 on the first trading day of every month, from 19-04-2024 to 30-10-2026: 31 instalments, ₹3,10,000 in all.

    InvestmentInvestedValue nowGainReturn a year
    Direct planPGIM India Retirement Fund (Direct) ₹3,10,000 ₹3,20,401 ₹10,401 2.5%
    Regular planPGIM India Retirement Fund (Regular) ₹3,10,000 ₹3,13,723 ₹3,723 0.9%
    BSE 500 TRI ₹3,10,000 ₹3,03,969 −₹6,031 −1.5%
    ₹0₹1.0 L₹2.0 L₹3.0 L₹4.0 L
    20252026
    Direct planPGIM India Retirement Fund (Direct)Regular planPGIM India Retirement Fund (Regular)BSE 500 TRIAmount invested

    From each plan's published NAV (Growth option), the benchmark's TRI, 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 Retirement Fund Asset Allocation

    Asset allocation as on 30-09-2026

    What the fund holds

    96.4%Equity

    AssetFund
    Equity96.4%
    Cash and others3.5%
    Debt0.1%

    Market cap of stocks

    Market capFund
    Large Cap36.9%
    Mid Cap30.1%
    Small Cap26.4%
    Not on AMFI's list2.9%

    Share of the whole fund. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.

    PGIM India Retirement Fund Sector Allocation

    Sector allocation of the fund's stocks as on 30-09-2026

    Largest sectors

    1. Banks12.4%

    2. Pharmaceuticals & Biotechnology8.8%

    3. Auto Components7.3%

    4. IT - Software4.5%

    5. Capital Markets4.5%

    6. Chemicals & Petrochemicals4.4%

    7. Industrial Products3.8%

    8. Retailing3.8%

    9. Consumer Durables3.7%

    10. Finance3.7%

    The ten largest of 36 sectors. The other 26 add up to 39.6%.

    Sector changes

    SectorJuly 2026August 2026September 2026Change
    Banks12.9%12.4%12.4%−0.5%
    Pharmaceuticals & Biotechnology9.5%8.6%8.8%−0.7%
    Auto Components5.4%7.4%7.3%+1.9%
    IT - Software5.5%4.9%4.5%−1.0%
    Capital Markets4.4%4.5%4.5%+0.1%

    Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.

    PGIM India Retirement Fund Portfolio Holdings

    As on 30-09-2026 · 87 holdings · from the fund house's monthly portfolio

    HoldingsSector / RatingWeight%Holdings trend1M change
    ICICI Bank Ltd.Banks5.90%0.0%
    HDFC Bank Ltd.Banks5.51%0.0%
    Reliance Industries Ltd.Petroleum Products3.18%0.0%
    Infosys Ltd.IT - Software2.40%0.0%
    Solar Industries India Ltd.Chemicals & Petrochemicals2.19%0.0%
    Tata Consultancy Services Ltd.IT - Software2.10%0.0%
    Multi Commodity Exchange Of India Ltd.Capital Markets1.98%0.0%
    Sai Life Sciences LtdPharmaceuticals & Biotechnology1.93%0.0%
    Doms Industries Ltd.Household Products1.89%0.0%
    Eternal Ltd.Retailing1.79%0.0%

    PGIM India Retirement Fund Stocks Bought and Sold

    All changes are between August 2026 and September 2026

    More
    Stocks bought and sold in September 2026
    Prestige Estates Projects Ltd.Sold out−100%was 1.08%
    Godrej Properties Ltd.NewNew0.99%

    A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.

    What PGIM India Retirement Fund bought and sold

    PGIM India Retirement Fund Portfolio Overlap

    Funds with the most similar portfolios, across every fund house and category

    FundOverlapHoldings in common
    PGIM India Large and Midcap FundLarge & Mid Cap · PGIM India62.7%55Compare
    PGIM India ELSS Tax Saver FundELSS · PGIM India51.9%49Compare
    PGIM India Multi Cap FundMulti Cap · PGIM India51.2%56Compare
    PGIM India Flexi cap fundFlexi Cap · PGIM India50.3%48Compare
    PGIM India Aggressive Hybrid Equity FundAggressive Hybrid · PGIM India45.6%35Compare
    Canara Robeco Flexi Cap FundFlexi Cap · Canara Robeco42.0%32Compare
    PGIM India Balanced Advantage FundBalanced Advantage · PGIM India39.0%32Compare
    Canara Robeco ELSS - Tax Saver FundELSS · Canara Robeco38.8%28Compare

    Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

    PGIM India Retirement Fund Overview

    Fund facts from the scheme summary document, as on 16-10-2026

    Expense ratio (Direct)
    1.12%
    Expense ratio (Regular)
    2.59%
    Category
    Solution
    Risk
    Very High
    Benchmark
    BSE 500 TRI
    Launch date
    15-04-2024
    Minimum investment
    ₹5,000
    Minimum additional investment
    ₹1,000
    AUM
    ₹103.72 Cr (30-09-2026)
    Lock in
    5 years, or until retirement if earlier
    Scheme code (Direct)
    152537
    ISIN (Direct)
    INF663L01Y61
    Scheme code (Regular)
    152538
    ISIN (Regular)
    INF663L01Y46
    NAV history
    From 19-04-2024, 2.5 years
    Exit load
    NIL

    Tax on PGIM India Retirement Fund returns

    • How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
    • A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
    • IDCW (dividend) payouts are added to your income and taxed at your slab rate.
    • A stamp duty of 0.005% is deducted when you invest.

    Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

    All plans and options

    PlanOptionNAVAs on
    directGrowth₹12.0930-10-2026
    directIDCW₹12.0930-10-2026
    regularGrowth₹11.6130-10-2026
    regularIDCW₹11.6130-10-2026

    About PGIM India Retirement Fund

    PGIM India Retirement Fund is a mutual fund from PGIM India Mutual Fund. Its category is Solution. It was launched on 15-04-2024. Its benchmark is BSE 500 TRI. At the end of September 2026 it held 87 securities.

    Fund Manager

    • Vinay Paharia

      Fund manager of PGIM India Retirement Fund, since 15-04-2024

    • Vivek Sharma

      Fund manager of PGIM India Retirement Fund, since 01-08-2024

    • and Mr. Puneet Pal

      Fund manager of PGIM India Retirement Fund, since 15-04-2024

    See all funds of PGIM India Mutual Fund

    AUM change

    September 2026
    ₹103.72 Cr
    −4.82% from August 2026
    August 2026
    ₹108.97 Cr
    +2.41% from July 2026
    July 2026
    ₹106.41 Cr
    +3.11% from June 2026

    AUM moves with money invested or taken out, and with the value of what the fund holds.

    Compare PGIM India Retirement Fund with Other Funds

    Returns, risk, costs and the stocks they share, side by side

    Compare with any other fund

    Frequently Asked Questions for PGIM India Retirement Fund

    What is the current NAV of PGIM India Retirement Fund?

    The Direct plan NAV is ₹12.09. The Regular plan NAV is ₹11.61, as on 30-10-2026.

    What are the returns of PGIM India Retirement Fund?

    The Direct plan returned −3.67% in 1 year. The Regular plan returned −5.15% in 1 year. These figures are as on 30-10-2026.

    What is the expense ratio of PGIM India Retirement Fund?

    The Direct plan charges 1.12% a year. The Regular plan charges 2.59% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.

    What is the AUM of PGIM India Retirement Fund?

    PGIM India Retirement Fund managed ₹103.72 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

    What are the top holdings of PGIM India Retirement Fund?

    At the end of September 2026 the largest holdings were ICICIBANK (5.90%), HDFCBANK (5.51%), RELIANCE (3.18%), INFY (2.40%), SOLARINDS (2.19%). The fund held 87 securities in all.

    What did PGIM India Retirement Fund buy and sell in September 2026?

    It bought 1 new stock: Godrej Properties Ltd. It sold out of 1: Prestige Estates Projects Ltd.

    How do I invest in PGIM India Retirement Fund?

    Through PGIM India Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.

    Who is the fund manager of PGIM India Retirement Fund?

    Vinay Paharia (since 15-04-2024), Vivek Sharma (since 01-08-2024), and Mr. Puneet Pal (since 15-04-2024).

    Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

    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.

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