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PGIM India Retirement Fund - Direct Plan - Direct IDCW

The investment objective of the scheme is to provide capital appreciation and income to investors in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments, REITs and InvITs, and fixed income securities. However, there is no assurance that the investment objective of the scheme will be achieved. The Scheme does not guarantee/ indicate any returns.Read more

AMC websiteScheme documentsNAV history (AMFI)

PGIM India Mutual FundRetirement FundsDirect · IDCW (income distribution)Riskometer: Very High Risk
NAV · 16 Oct 2026₹12.3600▲ 0.41% (1 day)
  • Current NAV₹12.3600
  • Fund Size (AUM)₹ 104 Cr.
  • Expense Ratio1.13 %
  • 1Y Return-1.90%
  • 3Y Return (CAGR)—
  • 5Y Return (CAGR)—
  • Category Rank (3Y)—
  • RiskometerVery High Risk
  • Min. SIP / Lump sum₹ 1,000 / ₹ 5,000
More figures (11)
  • Since Launch (CAGR)+8.91%
  • Benchmark—
  • Volatility (3Y)14.18 %
  • Sharpe Ratio (3Y)—
  • Beta (3Y)—
  • 52-week High / Low₹13.0600 / ₹10.7000
  • Max Drawdown-16.5 %
  • Launched19 Apr 2024
  • Lock-in0 years
  • Portfolio Turnover23 %
  • Fund ManagersVinay Paharia, Puneet Pal, Anandha Padmanabhan Anjeneyan +1

Performance chart

Past performance may or may not be sustained in future.

Quick take

  • Over 1 year it returned -1.9%.
  • Volatility over 3 years was 14.2% a year.
  • Its biggest fall from a peak was 16.5% (23 Sep 2024 to 28 Feb 2025).
  • Expense ratio 1.13%, fund size ₹104 crore.

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Returns vs benchmark and category

Returns (%)1W1M3M6MYTD1Y2Y3Y5Y7Y10YSince launch
This fund+1.23%-1.28%-2.45%+5.37%+1.23%-1.90%+1.03%————+8.91%

Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Retirement Funds. Q1 = top quarter by return over that period.

Calendar-year returns

Year2026 YTD2025
This fund+1.23%+3.21%

January to December each year; the current year is to date.

Risk and consistency

Risk measure3 years5 years
Volatility (standard deviation) ?14.18%14.18%
Sharpe ratio ?——
Sortino ratio ?——
Maximum drawdown-16.53%-16.53%

Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.

SIP returns: ₹10,000 every month

SIP forInvestedValue todayGainXIRR
1Y₹1,20,000₹1,21,715₹1,715+2.65%

A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.

Compare with all Retirement Funds (29)

About Retirement Funds
Scheme (Direct plans, Growth)NAV1M6M1Y3Y5Y
Aditya Birla Sun Life Retirement Fund-The 30s Plan - Direct Plan - GROWTHAditya Birla Sun Life Mutual Fund₹24.6880—————
Aditya Birla Sun Life Retirement Fund-The 40s Plan - Direct Plan - GROWTHAditya Birla Sun Life Mutual Fund₹20.8620—————
Aditya Birla Sun Life Retirement Fund-The 50s Plan - Direct Plan - GROWTHAditya Birla Sun Life Mutual Fund₹16.5132—————
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Direct Plan - GROWTHAditya Birla Sun Life Mutual Fund₹14.8694—————
Axis Retirement Fund - Aggressive Plan - Direct Plan - Growth OptionAxis Mutual Fund₹19.7600—————
Axis Retirement Fund - Conservative Plan - Direct Plan - Growth OptionAxis Mutual Fund₹17.1899—————
Axis Retirement Fund - Dynamic Plan - Direct Plan - Growth OptionAxis Mutual Fund₹21.1000—————
BANDHAN RETIREMENT FUND - Direct Plan - GrowthBandhan Mutual Fund₹12.9280—————
Baroda BNP Paribas Retirement Fund - Direct Plan - Growth OptionBaroda BNP Paribas Mutual Fund₹11.6795—————
Franklin India Retirement Fund - Direct Plan - GrowthFranklin Templeton Mutual Fund₹237.2876—————
HDFC Retirement Fund - Equity Plan - Direct Plan - Growth OptionHDFC Mutual Fund₹54.3070—————
HDFC Retirement Fund - Hybrid-Debt Plan - Direct Plan - Growth OptionHDFC Mutual Fund₹24.5372—————
HDFC Retirement Fund - Hybrid-Equity Plan - Direct Plan - Growth OptionHDFC Mutual Fund₹41.5850—————
ICICI Prudential Retirement Fund Hybrid Aggressive Plan - Direct Plan - GrowthICICI Prudential Mutual Fund₹30.1200—————
ICICI Prudential Retirement Fund Hybrid Conservative Plan - Direct Plan - GrowthICICI Prudential Mutual Fund₹19.8733—————
ICICI Prudential Retirement Fund Pure Debt Plan - Direct Plan - GrowthICICI Prudential Mutual Fund₹17.1091—————
ICICI Prudential Retirement Fund Pure Equity Plan - Direct Plan - GrowthICICI Prudential Mutual Fund₹37.6800—————
Nippon India Retirement Fund- Income Generation Scheme - Direct Plan - Growth OptionNippon India Mutual Fund₹22.9057—————
Nippon India Retirement Fund- Wealth Creation Scheme - Direct Plan - Growth OptionNippon India Mutual Fund₹31.2856—————
PGIM India Retirement Fund - Direct Plan - Direct GrowthPGIM India Mutual Fund₹12.3600—————
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - GrowthSBI Mutual Fund₹20.1227—————
SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - GrowthSBI Mutual Fund₹20.8321—————
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - GrowthSBI Mutual Fund₹16.0906—————
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - GrowthSBI Mutual Fund₹14.8869—————
Tata Retirement Savings Fund-Conservative Plan - Direct Plan - Growth OptionTata Mutual Fund₹38.2078—————
Tata Retirement Savings Fund-Moderate Plan - Direct Plan - Growth OptionTata Mutual Fund₹78.8723—————
Tata Retirement Savings Fund-Progressive Plan - Direct Plan - Growth OptionTata Mutual Fund₹81.1626—————
Union Retirement Fund - Direct Plan - Growth OptionUnion Mutual Fund₹16.7500—————
UTI Retirement Fund - Direct Plan - GrowthUTI Mutual Fund₹53.8849—————

Sorted by 3-year return; tap a heading to sort. Sorting by past returns is a way to explore data, not a ranking of which fund to choose. 3Y and 5Y are yearly (CAGR).

Scheme details

Investment objective
The investment objective of the scheme is to provide capital appreciation and income to investors in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments, REITs and InvITs, and fixed income securities. However, there is no assurance that the investment objective of the scheme will be achieved. The Scheme does not guarantee/ indicate any returns.
Fund managers
Vinay Paharia, Puneet Pal, Anandha Padmanabhan Anjeneyan, Vivek Sharma
Fund house
PGIM India Mutual Fund
Category
Retirement Funds · Solution oriented
Plan / option
Direct · IDCW (income distribution)
AMFI scheme code
152539
ISIN
INF663L01Y79
Scheme documents
SID, KIM and factsheets (fund house website) · exit load and full portfolio are in these documents.

About Retirement Funds

Retirement Funds are designed for retirement saving, with a lock-in of 5 years or until retirement age, whichever is earlier.

Generally used by long-term retirement saving.

Other plans of this scheme

Questions about this scheme

What is the NAV of PGIM India Retirement Fund today?
The latest NAV of PGIM India Retirement Fund - Direct Plan - Direct IDCW is ₹12.3600 as on 16 Oct 2026, as published by AMFI. NAVs are updated every business day evening.
What returns has PGIM India Retirement Fund given?
As on 16 Oct 2026: 1 year -1.90%. Past returns may or may not be sustained in future.
What is the expense ratio of PGIM India Retirement Fund?
The expense ratio of the Direct plan is 1.13% (as of Aug 2026). It is already deducted in the NAV.
How risky is this fund?
Its riskometer level is Very High Risk. Over 3 years its volatility was 14.2% a year and its biggest fall from a peak was 16.5%. Mutual fund investments are subject to market risks.
What is the difference between Direct and Regular plans?
Both plans hold the same portfolio. A Direct plan is bought straight from the fund house and has a lower expense ratio. A Regular plan is bought through a distributor, who is paid a commission from the expense ratio, so its NAV grows slightly slower.
What are Retirement Funds?
Retirement Funds are designed for retirement saving, with a lock-in of 5 years or until retirement age, whichever is earlier.
Important. NAVs are from AMFI and mfapi.in; benchmark closes from Yahoo Finance; expense ratio, fund size and managers from published scheme data (Kuvera). Figures may be delayed; confirm with the fund house before transacting. Ranks and quartiles are positions by past return and are not a rating or recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934) and earns commission from fund houses on Regular plans (see Disclosures).
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