Should I invest in PGIM India Equity Savings Fund?

We don't give personal investment advice. PGIM India Equity Savings Fund - Direct Plan - Growth 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: 3.1%. 5-year CAGR: 6.73%.

PGIM India

PGIM India Equity Savings Fund - Direct Plan - Growth

Latest NAV

₹58.2904

As of

17 Jul 2026

2,551 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.

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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%	+0.17%	+0.11	6 / 26	Q1
1W	+0.22%	+0.14%	+0.07	7 / 26	Q2
2W	+0.40%	+0.29%	+0.10	6 / 26	Q1
1M	+1.48%	+1.05%	+0.43	5 / 26	Q1
3M	+2.10%	+1.89%	+0.21	9 / 26	Q2
6M	+2.00%	+2.19%	-0.19	13 / 26	Q2
YTD	+1.84%	+1.79%	+0.05	12 / 26	Q2
1Y	+4.47%	+5.05%	-0.58	15 / 26	Q3
2Y	+5.55%	+5.82%	-0.26	14 / 23	Q3
3Y	+6.99%	+9.26%	-2.28	23 / 23	Q4
4Y	+7.42%	+9.82%	-2.40	21 / 21	Q4
5Y	+6.73%	+8.54%	-1.81	20 / 20	Q4
7Y	+7.86%	+9.20%	-1.35	18 / 20	Q4
10Y	+7.86%	+8.38%	-0.52	9 / 12	Q3
Inception	+8.08%	+9.04%	-0.96	21 / 26	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	+1.84%	+1.79%	+0.05	12 / 26
2025	+6.73%	+7.14%	-0.41	17 / 23
2024	+8.15%	+11.78%	-3.63	23 / 23
2023	+8.82%	+14.13%	-5.32	22 / 22
2022	+4.05%	+4.27%	-0.22	15 / 21
2021	+13.55%	+13.19%	+0.36	9 / 20
2020	+6.41%	+9.43%	-3.02	17 / 20
2019	+11.48%	+7.11%	+4.37	2 / 18
2018	+2.77%	+2.46%	+0.31	6 / 14
2017	+13.16%	+14.67%	-1.51	10 / 13
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

+8.17%

115 windows

min -5.3% · max 23.7%

97% positive

3-Year rolling

+8.22%

90 windows

min 3.1% · max 13.7%

100% positive

5-Year rolling

+8.57%

66 windows

min 6.7% · max 11.5%

100% positive

7-Year rolling

+8.15%

42 windows

min 7.5% · max 8.8%

100% 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

2.55%

3-year · annualised

Sharpe ratio

0.13

vs risk-free 6.5%

Sortino ratio

0.30

Downside-only deviation

Max drawdown

-3.08%

Feb 2026 → Mar 2026

% positive months

86.1%

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 - Growth Option - Direct Plan	HDFC	₹76.6750	17 Jul 2026
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Growth	SBI	₹27.4155	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option	ICICI Prudential	₹25.1200	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - Growth	Invesco	₹18.8819	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan-Growth	Bandhan	₹36.3120	17 Jul 2026
quant Equity Savings Fund - Growth Option - Direct Plan	Quant	₹10.9493	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹25.9200	17 Jul 2026
Franklin India Equity Savings Fund- Growth Direct	Franklin India	₹18.6962	17 Jul 2026
Mirae Asset Equity Savings Fund- Direct Plan- Growth	Mirae Asset	₹22.9570	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹58.2904
16 Jul 2026	₹58.1281
15 Jul 2026	₹58.1137
14 Jul 2026	₹58.0628
13 Jul 2026	₹58.1326
10 Jul 2026	₹58.1640
9 Jul 2026	₹57.9737
8 Jul 2026	₹57.9411
7 Jul 2026	₹58.2260
6 Jul 2026	₹58.2046

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 - Growth is ₹58.2904. It's a Equity Savings Fund from PGIM India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

PGIM India Equity Savings Fund - Direct Plan - Growth 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 - Growth 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 - Growth has delivered a absolute return of 4.47% — -0.58 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #15 of 26 in its category — the third (Q3) quartile.

Over the trailing 3-year window, PGIM India Equity Savings Fund - Direct Plan - Growth has delivered a CAGR of 6.99% — -2.28 pp behind the Equity Savings Fund category average of 9.26%. The fund ranks #23 of 23 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Equity Savings Fund - Direct Plan - Growth has delivered a CAGR of 6.73% — -1.81 pp behind the Equity Savings Fund category average of 8.54%. The fund ranks #20 of 20 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Equity Savings Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹213,142 today — a multiplier of 2.13×, based on the 10-year CAGR of 7.86%. The category average over the same window would have grown ₹1 lakh to ₹223,583.

A ₹10,000 monthly SIP in PGIM India Equity Savings Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹710,631 today. That's an XIRR (money-weighted annualised return) of 6.70%.

A ₹10,000 monthly SIP for 10 years in PGIM India Equity Savings Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,783,891 (multiplier 1.49×). XIRR: 7.69%. 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 - Growth ranks #20 out of 20 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 8.54%; this fund delivered 6.73%.

The worst peak-to-trough decline PGIM India Equity Savings Fund - Direct Plan - Growth has experienced over the last 5-year window is 3.08% — its NAV fell from a high on 11 Feb 2026 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 - Growth averaged 8.57% (best 11.48%, worst 6.73%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.01 — weak risk-adjusted performance.

In calendar year 2025, PGIM India Equity Savings Fund - Direct Plan - Growth returned 6.73% — lagging the Equity Savings Fund category average of 7.14% by 0.41 pp. It ranked #17 of 23 in its category that year.

PGIM India Equity Savings Fund - Direct Plan - Growth 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 - Growth 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: 3.1%. 5-year CAGR: 6.73%.

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

PGIM India Equity Savings Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Equity Savings Fund

Recent NAVs

Frequently asked questions

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