Should I invest in PGIM India Equity Savings Fund - Annual Dividend?

We don't give personal investment advice. PGIM India Equity Savings Fund - Direct Plan - Annual Dividend is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 10.0%. 5-year CAGR: 0.09%.

PGIM India

PGIM India Equity Savings Fund - Direct Plan - Annual Dividend

Latest NAV

₹15.7052

As of

17 Jul 2026

2,288 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.28%	+0.13%	+0.15	12 / 49	Q1
1W	+0.22%	+0.17%	+0.04	15 / 49	Q2
2W	+0.39%	+0.27%	+0.12	12 / 49	Q1
1M	+1.47%	+0.53%	+0.94	3 / 48	Q1
3M	+2.09%	+1.21%	+0.88	11 / 48	Q1
6M	-4.42%	+0.35%	-4.77	43 / 48	Q4
YTD	-4.57%	-0.31%	-4.26	43 / 48	Q4
1Y	-2.04%	+1.63%	-3.67	40 / 48	Q4
2Y	-1.25%	+2.39%	-3.64	40 / 47	Q4
3Y	-0.01%	+5.05%	-5.06	44 / 45	Q4
4Y	+0.36%	+5.30%	-4.94	39 / 40	Q4
5Y	+0.09%	+4.35%	-4.26	36 / 39	Q4
7Y	+0.83%	+5.64%	-4.81	36 / 38	Q4
10Y	+0.11%	+4.02%	-3.90	20 / 21	Q4
Inception	+0.58%	+5.34%	-4.76	46 / 47	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-4.57%	-0.62%	-3.94	38 / 43
2025	-0.35%	+2.35%	-2.69	35 / 42
2024	+0.89%	+8.05%	-7.16	42 / 42
2023	+1.55%	+9.20%	-7.66	39 / 40
2022	-0.98%	+0.46%	-1.45	27 / 40
2021	+5.69%	+9.45%	-3.77	37 / 40
2020	-1.48%	+7.78%	-9.26	37 / 40
2019	+4.20%	+4.12%	+0.09	21 / 37
2018	-6.76%	-1.89%	-4.86	27 / 28
2017	—	—	—	—
2016	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.65%

96 windows

min -12.2% · max 14.8%

54% positive

3-Year rolling

+1.21%

78 windows

min -2.5% · max 6.6%

79% positive

5-Year rolling

+1.28%

54 windows

min -0.5% · max 4.2%

96% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+0.79%

30 windows

min -0.1% · max 2.2%

97% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

6.08%

3-year · annualised

Sharpe ratio

-1.04

vs risk-free 6.5%

Sortino ratio

-1.15

Downside-only deviation

Max drawdown

-9.98%

Mar 2025 → Mar 2026

% positive months

77.8%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - IDCW Option - Direct Plan	HDFC	₹15.0960	17 Jul 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.0945	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.7100	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.8261	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.3190	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.9221	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4800	17 Jul 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹15.2612	17 Jul 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.7290	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.7052
16 Jul 2026	₹15.6615
15 Jul 2026	₹15.6576
14 Jul 2026	₹15.6439
13 Jul 2026	₹15.6627
10 Jul 2026	₹15.6712
9 Jul 2026	₹15.6200
8 Jul 2026	₹15.6112
7 Jul 2026	₹15.6880
6 Jul 2026	₹15.6822

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of PGIM India Equity Savings Fund - Direct Plan - Annual Dividend is ₹15.7052. It's a Equity Savings Fund from PGIM India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

PGIM India Equity Savings Fund - Direct Plan - Annual Dividend has NAV history starting from 08 Mar 2016, a track record of about 10 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

PGIM India Equity Savings Fund - Direct Plan - Annual Dividend is managed by PGIM India. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, PGIM India Equity Savings Fund - Direct Plan - Annual Dividend has delivered a absolute return of -2.04% — -3.67 pp behind the Equity Savings Fund category average of 1.63%. The fund ranks #40 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India Equity Savings Fund - Direct Plan - Annual Dividend has delivered a CAGR of -0.01% — -5.06 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #44 of 45 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Equity Savings Fund - Direct Plan - Annual Dividend has delivered a CAGR of 0.09% — -4.26 pp behind the Equity Savings Fund category average of 4.35%. The fund ranks #36 of 39 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Equity Savings Fund - Direct Plan - Annual Dividend exactly 10 years ago would be worth approximately ₹101,155 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.11%. The category average over the same window would have grown ₹1 lakh to ₹148,305.

A ₹10,000 monthly SIP in PGIM India Equity Savings Fund - Direct Plan - Annual Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹588,963 today. That's an XIRR (money-weighted annualised return) of -0.73%.

A ₹10,000 monthly SIP for 10 years in PGIM India Equity Savings Fund - Direct Plan - Annual Dividend = ₹1,070,000 invested. It would currently be worth ₹1,083,697 (multiplier 1.01×). XIRR: 0.28%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, PGIM India Equity Savings Fund - Direct Plan - Annual Dividend ranks #36 out of 39 funds in the Equity Savings Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.35%; this fund delivered 0.09%.

The worst peak-to-trough decline PGIM India Equity Savings Fund - Direct Plan - Annual Dividend has experienced over the last 5-year window is 9.98% — its NAV fell from a high on 28 Mar 2025 to a low on 30 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, PGIM India Equity Savings Fund - Direct Plan - Annual Dividend averaged 1.28% (best 4.23%, worst -0.50%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -1.04 — negative risk-adjusted performance.

In calendar year 2025, PGIM India Equity Savings Fund - Direct Plan - Annual Dividend returned -0.35% — lagging the Equity Savings Fund category average of 2.35% by 2.69 pp. It ranked #35 of 42 in its category that year.

PGIM India Equity Savings Fund - Direct Plan - Annual Dividend is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. PGIM India Equity Savings Fund - Direct Plan - Annual Dividend is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 10.0%. 5-year CAGR: 0.09%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.