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

We don't give personal investment advice. PGIM India Equity Savings Fund - Direct Plan - Monthly 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: 5.6%. 5-year CAGR: 0.45%.

PGIM India

PGIM India Equity Savings Fund - Direct Plan - Monthly Dividend

Latest NAV

₹13.4944

As of

3 Jun 2026

2,520 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	+0.05%	+7.25%	-7.20	21 / 52	Q2
1W	-0.39%	+6.89%	-7.29	20 / 52	Q2
2W	-0.58%	+7.13%	-7.72	43 / 52	Q4
1M	-0.87%	+7.13%	-8.01	46 / 51	Q4
3M	-2.34%	+6.63%	-8.97	44 / 51	Q4
6M	-3.60%	+6.00%	-9.60	40 / 51	Q4
YTD	-3.33%	+5.72%	-9.05	41 / 51	Q4
1Y	-3.52%	+8.33%	-11.86	42 / 50	Q4
2Y	-1.41%	+5.55%	-6.96	42 / 50	Q4
3Y	-0.13%	+6.83%	-6.96	46 / 48	Q4
4Y	+0.09%	+6.12%	-6.03	40 / 43	Q4
5Y	+0.45%	+5.24%	-4.80	37 / 42	Q4
7Y	+1.85%	+5.14%	-3.28	35 / 38	Q4
10Y	+1.21%	+4.13%	-2.92	18 / 20	Q4
Inception	+1.42%	+5.77%	-4.35	47 / 50	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	-3.33%	-2.29%	-1.05	33 / 43
2025	+0.07%	+10.59%	-10.52	37 / 45
2024	+1.05%	+7.51%	-6.46	41 / 45
2023	+1.70%	+8.56%	-6.87	38 / 43
2022	-1.27%	+0.43%	-1.70	31 / 43
2021	+9.51%	+8.79%	+0.72	19 / 43
2020	+5.39%	+7.24%	-1.85	31 / 43
2019	+3.06%	+4.12%	-1.06	26 / 37
2018	-5.84%	-1.89%	-3.95	24 / 28
2017	+3.85%	+9.85%	-6.00	22 / 25
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

+1.76%

113 windows

min -13.2% · max 23.6%

57% positive

3-Year rolling

+2.04%

89 windows

min -5.8% · max 8.6%

75% positive

5-Year rolling

+2.85%

64 windows

min 0.4% · max 5.4%

100% positive

7-Year rolling

+2.11%

40 windows

min 1.6% · max 2.9%

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

2.81%

3-year · annualised

Sharpe ratio

-2.34

vs risk-free 6.5%

Sortino ratio

-2.88

Downside-only deviation

Max drawdown

-5.58%

Sep 2024 → Mar 2026

% positive months

58.3%

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	₹14.9190	3 Jun 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹24.6420	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.5800	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.2438	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.2530	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.4579	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4200	3 Jun 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹14.9660	3 Jun 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.3610	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.4944
2 Jun 2026	₹13.4987
1 Jun 2026	₹13.4921
29 May 2026	₹13.4932
27 May 2026	₹13.5471
26 May 2026	₹13.5518
25 May 2026	₹13.5569
22 May 2026	₹13.5126
21 May 2026	₹13.5050
20 May 2026	₹13.5005

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 03 Jun 2026, the NAV of PGIM India Equity Savings Fund - Direct Plan - Monthly Dividend is ₹13.4944. 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 - Monthly Dividend has NAV history starting from 08 Mar 2016, a track record of about 10 years 2 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 - Monthly 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 - Monthly Dividend has delivered a absolute return of -3.52% — -11.86 pp behind the Equity Savings Fund category average of 8.33%. The fund ranks #42 of 50 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India Equity Savings Fund - Direct Plan - Monthly Dividend has delivered a CAGR of -0.13% — -6.96 pp behind the Equity Savings Fund category average of 6.83%. The fund ranks #46 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Equity Savings Fund - Direct Plan - Monthly Dividend has delivered a CAGR of 0.45% — -4.8 pp behind the Equity Savings Fund category average of 5.24%. The fund ranks #37 of 42 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Equity Savings Fund - Direct Plan - Monthly Dividend exactly 10 years ago would be worth approximately ₹112,796 today — a multiplier of 1.13×, based on the 10-year CAGR of 1.21%. The category average over the same window would have grown ₹1 lakh to ₹149,851.

A ₹10,000 monthly SIP in PGIM India Equity Savings Fund - Direct Plan - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹589,991 today. That's an XIRR (money-weighted annualised return) of -0.66%.

A ₹10,000 monthly SIP for 10 years in PGIM India Equity Savings Fund - Direct Plan - Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,273,502 (multiplier 1.06×). XIRR: 1.17%. 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 - Monthly Dividend ranks #37 out of 42 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 5.24%; this fund delivered 0.45%.

The worst peak-to-trough decline PGIM India Equity Savings Fund - Direct Plan - Monthly Dividend has experienced over the last 5-year window is 5.58% — its NAV fell from a high on 26 Sep 2024 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 - Monthly Dividend averaged 2.85% (best 5.40%, worst 0.45%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -2.08 — negative risk-adjusted performance.

In calendar year 2025, PGIM India Equity Savings Fund - Direct Plan - Monthly Dividend returned 0.07% — lagging the Equity Savings Fund category average of 10.59% by 10.52 pp. It ranked #37 of 45 in its category that year.

PGIM India Equity Savings Fund - Direct Plan - Monthly 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 - Monthly 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: 5.6%. 5-year CAGR: 0.45%.

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