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: 5.81%.

PGIM India

PGIM India Equity Savings Fund - Growth Option

Latest NAV

₹49.7891

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.

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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%	+21.01%	-20.97	4 / 12	Q2
1W	-0.41%	+20.68%	-21.09	6 / 12	Q2
2W	-0.09%	+20.87%	-20.96	5 / 12	Q2
1M	-0.41%	+20.72%	-21.13	7 / 12	Q3
3M	-0.99%	+20.41%	-21.40	8 / 12	Q3
6M	-0.93%	+20.47%	-21.39	9 / 12	Q3
YTD	-1.10%	+19.95%	-21.05	7 / 12	Q3
1Y	+1.94%	+22.72%	-20.79	9 / 12	Q3
2Y	+4.41%	+10.54%	-6.13	7 / 12	Q3
3Y	+5.87%	+9.33%	-3.46	10 / 12	Q4
4Y	+5.90%	+8.25%	-2.35	10 / 12	Q4
5Y	+5.81%	+7.15%	-1.34	9 / 11	Q4
7Y	+6.39%	+4.26%	+2.13	4 / 8	Q2
10Y	+6.63%	+4.80%	+1.83	2 / 6	Q2
Inception	+6.87%	+7.21%	-0.34	6 / 12	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	-1.10%	-1.63%	+0.53	3 / 8
2025	+5.93%	+27.15%	-21.22	8 / 10
2024	+7.29%	+6.22%	+1.07	7 / 10
2023	+7.96%	+7.93%	+0.03	7 / 10
2022	+3.19%	+2.59%	+0.60	6 / 10
2021	+12.13%	+8.22%	+3.91	2 / 9
2020	+5.16%	+2.38%	+2.79	4 / 9
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

+7.09%

113 windows

min -8.2% · max 23.8%

96% positive

3-Year rolling

+7.02%

89 windows

min 0.8% · max 11.7%

100% positive

5-Year rolling

+7.46%

64 windows

min 5.8% · max 9.6%

100% positive

7-Year rolling

+7.06%

40 windows

min 6.4% · 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

2.84%

3-year · annualised

Sharpe ratio

-0.26

vs risk-free 6.5%

Sortino ratio

-0.44

Downside-only deviation

Max drawdown

-3.18%

Feb 2026 → Mar 2026

% positive months

77.8%

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	3 Jun 2026
ICICI Prudential Equity Savings Fund - Cumulative option	ICICI Prudential	₹22.8500	3 Jun 2026
Franklin India Equity Savings Fund- Growth	Franklin India	₹16.6598	3 Jun 2026
IDFC Arbitrage Plus Fund -A-DIVIDEND	IDFC	₹10.7610	3 Jun 2026
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) - Growth Option	Sundaram	₹69.4921	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹49.7891
2 Jun 2026	₹49.8057
1 Jun 2026	₹49.7822
29 May 2026	₹49.7894
27 May 2026	₹49.9900
26 May 2026	₹50.0083
25 May 2026	₹50.0279
22 May 2026	₹49.8673
21 May 2026	₹49.8402
20 May 2026	₹49.8246

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 - Growth Option is ₹49.7891. 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 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 - 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 1.94% — -20.79 pp behind the Equity Savings Fund category average of 22.72%. The fund ranks #9 of 12 in its category — the third (Q3) quartile.

Over the trailing 3-year window, PGIM India Equity Savings Fund - Growth Option has delivered a CAGR of 5.87% — -3.46 pp behind the Equity Savings Fund category average of 9.33%. The fund ranks #10 of 12 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 5.81% — -1.34 pp behind the Equity Savings Fund category average of 7.15%. The fund ranks #9 of 11 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 ₹189,970 today — a multiplier of 1.90×, based on the 10-year CAGR of 6.63%. The category average over the same window would have grown ₹1 lakh to ₹159,838.

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 ₹683,766 today. That's an XIRR (money-weighted annualised return) of 5.17%.

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 ₹1,664,895 (multiplier 1.39×). XIRR: 6.37%. 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 #9 out of 11 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 7.15%; this fund delivered 5.81%.

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 9.64%, worst 5.81%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.26 — negative risk-adjusted performance.

In calendar year 2025, PGIM India Equity Savings Fund - Growth Option returned 5.93% — lagging the Equity Savings Fund category average of 27.15% by 21.22 pp. It ranked #8 of 10 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: 5.81%.

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

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