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

We don't give personal investment advice. PGIM India Equity Savings Fund - Direct Plan - Quarterly 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: 19.7%. 5-year CAGR: 1.81%.

PGIM India

PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend

Latest NAV

₹12.7923

As of

5 Mar 2021

1,232 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	-0.40%	+0.13%	-0.53	49 / 49	Q4
1W	+0.91%	+0.17%	+0.73	3 / 49	Q1
2W	+0.42%	+0.27%	+0.15	10 / 49	Q1
1M	+1.40%	+0.53%	+0.87	4 / 48	Q1
3M	+4.18%	+1.21%	+2.98	3 / 48	Q1
6M	+10.71%	+0.35%	+10.36	2 / 48	Q1
YTD	+3.03%	-0.31%	+3.34	6 / 48	Q1
1Y	+10.59%	+1.63%	+8.96	2 / 48	Q1
2Y	+4.97%	+2.39%	+2.58	15 / 47	Q2
3Y	+2.03%	+5.05%	-3.01	34 / 45	Q4
4Y	+1.49%	+5.30%	-3.81	36 / 40	Q4
5Y	+1.81%	+4.35%	-2.54	29 / 39	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.81%	+5.34%	-3.52	43 / 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
2021 YTD	+3.03%	+9.45%	-6.43	39 / 40
2020	+6.05%	+7.78%	-1.73	29 / 40
2019	+3.75%	+4.12%	-0.36	23 / 37
2018	-6.19%	-1.89%	-4.30	26 / 28
2017	+4.63%	+9.85%	-5.21	21 / 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

-0.34%

49 windows

min -8.2% · max 10.6%

45% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

-0.80%

25 windows

min -3.9% · max 2.0%

32% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+1.81%

1 window

min 1.8% · max 1.8%

100% positive

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

7-Year rolling

—

Insufficient history

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

9.42%

3-year · annualised

Sharpe ratio

-0.44

vs risk-free 6.5%

Sortino ratio

-0.53

Downside-only deviation

Max drawdown

-18.24%

Aug 2018 → Mar 2020

% positive months

72.2%

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
5 Mar 2021	₹12.7923
4 Mar 2021	₹12.8440
3 Mar 2021	₹12.8567
2 Mar 2021	₹12.7744
1 Mar 2021	₹12.7383
26 Feb 2021	₹12.6773
25 Feb 2021	₹12.7989
24 Feb 2021	₹12.7506
23 Feb 2021	₹12.6716
22 Feb 2021	₹12.6701

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 05 Mar 2021, the NAV of PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend is ₹12.7923. 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 - Quarterly 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 - Quarterly 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 - Quarterly Dividend has delivered a absolute return of 10.59% — +8.96 pp ahead of the Equity Savings Fund category average of 1.63%. The fund ranks #2 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend has delivered a CAGR of 2.03% — -3.01 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #34 of 45 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend has delivered a CAGR of 1.81% — -2.54 pp behind the Equity Savings Fund category average of 4.35%. The fund ranks #29 of 39 in its category — the third (Q3) quartile.

₹1 lakh invested in PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend exactly 5 years ago would be worth approximately ₹109,392 today — a multiplier of 1.09×, based on the 5-year CAGR of 1.81%. The category average over the same window would have grown ₹1 lakh to ₹123,719.

A ₹10,000 monthly SIP in PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹650,604 today. That's an XIRR (money-weighted annualised return) of 3.20%.

PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹650,604 — XIRR 3.20%.

On a 5-year basis, PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend ranks #29 out of 39 funds in the Equity Savings Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.35%; this fund delivered 1.81%.

The worst peak-to-trough decline PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend has experienced over the last 5-year window is 19.71% — its NAV fell from a high on 29 Jan 2018 to a low on 23 Mar 2020. 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 - Quarterly Dividend averaged 1.81% (best 1.81%, worst 1.81%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.56 — negative risk-adjusted performance.

In calendar year 2020, PGIM India Equity Savings Fund - Direct Plan - Quarterly Dividend returned 6.05% — lagging the Equity Savings Fund category average of 7.78% by 1.73 pp. It ranked #29 of 40 in its category that year.

PGIM India Equity Savings Fund - Direct Plan - Quarterly 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 - Quarterly 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: 19.7%. 5-year CAGR: 1.81%.

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