Should I invest in PGIM India Equity Savings Fund?

We don't give personal investment advice. PGIM India Equity Savings Fund - Growth Option 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: 3.2%. 5-year CAGR: 5.87%.

PGIM India

PGIM India Equity Savings Fund - Growth Option

Latest NAV

₹51.0862

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%	+0.10	1 / 10	Q1
1W	+0.20%	+0.14%	+0.07	4 / 10	Q2
2W	+0.37%	+0.21%	+0.16	3 / 10	Q2
1M	+1.42%	+0.63%	+0.79	1 / 10	Q1
3M	+1.92%	+0.94%	+0.98	2 / 10	Q1
6M	+1.63%	+0.75%	+0.88	2 / 10	Q1
YTD	+1.44%	+0.20%	+1.24	2 / 10	Q1
1Y	+3.71%	+2.81%	+0.90	4 / 10	Q2
2Y	+4.75%	+2.51%	+2.25	4 / 10	Q2
3Y	+6.17%	+4.83%	+1.34	8 / 10	Q4
4Y	+6.59%	+5.71%	+0.88	8 / 10	Q4
5Y	+5.87%	+4.86%	+1.01	7 / 9	Q4
7Y	+6.86%	+4.69%	+2.17	4 / 8	Q2
10Y	+6.78%	+4.79%	+1.99	2 / 6	Q2
Inception	+7.05%	+5.56%	+1.49	4 / 10	Q2

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	+1.44%	+0.20%	+1.25	2 / 8
2025	+5.93%	+2.43%	+3.50	6 / 8
2024	+7.29%	+7.77%	-0.48	7 / 8
2023	+7.96%	+9.92%	-1.96	7 / 8
2022	+3.19%	+3.24%	-0.05	6 / 8
2021	+12.13%	+10.57%	+1.56	2 / 7
2020	+5.16%	+3.06%	+2.11	4 / 7
2019	+10.40%	+2.80%	+7.60	1 / 7
2018	+1.66%	+1.31%	+0.35	3 / 6
2017	+11.56%	+8.80%	+2.76	3 / 7
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

+7.08%

115 windows

min -6.3% · max 22.0%

96% positive

3-Year rolling

+7.13%

90 windows

min 1.9% · max 12.5%

100% positive

5-Year rolling

+7.46%

66 windows

min 5.9% · max 10.4%

100% positive

7-Year rolling

+7.05%

42 windows

min 6.5% · max 7.6%

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

2.54%

3-year · annualised

Sharpe ratio

-0.17

vs risk-free 6.5%

Sortino ratio

-0.38

Downside-only deviation

Max drawdown

-3.18%

Feb 2026 → Mar 2026

% positive months

75.0%

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
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Growth Plan - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
ICICI Prudential Equity Savings Fund - Cumulative option	ICICI Prudential	₹23.3000	17 Jul 2026
Franklin India Equity Savings Fund- Growth	Franklin India	₹16.9723	17 Jul 2026
IDFC Arbitrage Plus Fund -A-DIVIDEND	IDFC	₹10.9130	17 Jul 2026
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) - Growth Option	Sundaram	₹71.0542	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹51.0862
16 Jul 2026	₹50.9448
15 Jul 2026	₹50.9332
14 Jul 2026	₹50.8896
13 Jul 2026	₹50.9517
10 Jul 2026	₹50.9823
9 Jul 2026	₹50.8165
8 Jul 2026	₹50.7889
7 Jul 2026	₹51.0397
6 Jul 2026	₹51.0219

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 - Growth Option is ₹51.0862. It's a Equity Savings Fund from PGIM India, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

PGIM India Equity Savings Fund - Growth Option 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 - Growth Option 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 - Growth Option has delivered a absolute return of 3.71% — +0.9 pp ahead of the Equity Savings Fund category average of 2.81%. The fund ranks #4 of 10 in its category — the second (Q2) quartile.

Over the trailing 3-year window, PGIM India Equity Savings Fund - Growth Option has delivered a CAGR of 6.17% — +1.34 pp ahead of the Equity Savings Fund category average of 4.83%. The fund ranks #8 of 10 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Equity Savings Fund - Growth Option has delivered a CAGR of 5.87% — +1.01 pp ahead of the Equity Savings Fund category average of 4.86%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Equity Savings Fund - Growth Option exactly 10 years ago would be worth approximately ₹192,737 today — a multiplier of 1.93×, based on the 10-year CAGR of 6.78%. The category average over the same window would have grown ₹1 lakh to ₹159,732.

A ₹10,000 monthly SIP in PGIM India Equity Savings Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹696,027 today. That's an XIRR (money-weighted annualised return) of 5.87%.

A ₹10,000 monthly SIP for 10 years in PGIM India Equity Savings Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,694,252 (multiplier 1.41×). XIRR: 6.71%. 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 - Growth Option ranks #7 out of 9 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 4.86%; this fund delivered 5.87%.

The worst peak-to-trough decline PGIM India Equity Savings Fund - Growth Option has experienced over the last 5-year window is 3.18% — 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 - Growth Option averaged 7.46% (best 10.41%, worst 5.87%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.29 — negative risk-adjusted performance.

In calendar year 2025, PGIM India Equity Savings Fund - Growth Option returned 5.93% — beating the Equity Savings Fund category average of 2.43% by 3.50 pp. It ranked #6 of 8 in its category that year.

PGIM India Equity Savings Fund - Growth Option 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 - Growth Option 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: 3.2%. 5-year CAGR: 5.87%.

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

PGIM India Equity Savings Fund - Growth Option

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

More from PGIM India