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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+7.25%	-7.65	52 / 52	Q4
1W	+0.91%	+6.89%	-5.99	6 / 52	Q1
2W	+0.42%	+7.13%	-6.71	9 / 52	Q1
1M	+1.40%	+7.13%	-5.73	4 / 51	Q1
3M	+4.18%	+6.63%	-2.45	5 / 51	Q1
6M	+10.71%	+6.00%	+4.71	5 / 51	Q1
YTD	+3.03%	+5.72%	-2.69	5 / 51	Q1
1Y	+10.59%	+8.33%	+2.26	5 / 50	Q1
2Y	+4.97%	+5.55%	-0.58	20 / 50	Q2
3Y	+2.03%	+6.83%	-4.80	37 / 48	Q4
4Y	+1.49%	+6.12%	-4.63	35 / 43	Q4
5Y	+1.81%	+5.24%	-3.43	32 / 42	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.81%	+5.77%	-3.96	45 / 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
2021 YTD	+3.03%	+8.79%	-5.77	39 / 43
2020	+6.05%	+7.24%	-1.19	29 / 43
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	₹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
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 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 - 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% — +2.26 pp ahead of the Equity Savings Fund category average of 8.33%. The fund ranks #5 of 50 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% — -4.8 pp behind the Equity Savings Fund category average of 6.83%. The fund ranks #37 of 48 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% — -3.43 pp behind the Equity Savings Fund category average of 5.24%. The fund ranks #32 of 42 in its category — the bottom (Q4) 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 ₹129,108.

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 #32 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 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 7.24% by 1.19 pp. It ranked #29 of 43 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.