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

We don't give personal investment advice. PGIM India Equity Savings Fund - 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: 19.1%. 5-year CAGR: 1.69%.

PGIM India

PGIM India Equity Savings Fund - Quarterly Dividend

Latest NAV

₹12.3639

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%	+0.12%	-0.52	18 / 18	Q4
1W	+0.89%	+0.15%	+0.74	1 / 18	Q1
2W	+0.38%	+0.21%	+0.17	3 / 18	Q1
1M	+1.32%	+0.45%	+0.87	2 / 18	Q1
3M	+5.41%	+0.51%	+4.90	1 / 18	Q1
6M	+11.77%	-0.11%	+11.88	1 / 18	Q1
YTD	+2.84%	-0.92%	+3.76	1 / 18	Q1
1Y	+11.20%	+0.74%	+10.47	1 / 18	Q1
2Y	+6.68%	+2.46%	+4.23	3 / 18	Q1
3Y	+2.68%	+4.11%	-1.42	12 / 18	Q3
4Y	+1.69%	+4.19%	-2.50	14 / 17	Q4
5Y	+1.69%	+3.59%	-1.90	10 / 16	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.69%	+3.18%	-1.49	14 / 18	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	+2.84%	+8.25%	-5.41	16 / 16
2020	+5.16%	+2.97%	+2.20	7 / 16
2019	+6.57%	+1.76%	+4.81	3 / 16
2018	-7.49%	-4.15%	-3.34	11 / 13
2017	+3.46%	+8.10%	-4.63	11 / 13
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

-0.48%

49 windows

min -8.3% · max 11.2%

43% positive

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

3-Year rolling

-0.87%

25 windows

min -3.8% · max 2.7%

24% positive

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

5-Year rolling

+1.69%

1 window

min 1.7% · max 1.7%

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

9.61%

3-year · annualised

Sharpe ratio

-0.37

vs risk-free 6.5%

Sortino ratio

-0.44

Downside-only deviation

Max drawdown

-17.02%

Dec 2019 → 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 MULTIPLE YIELD-HDFC MULTIPLE YIELD - DIVIDEND	HDFC	₹12.3890	17 Jul 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
ICICI Prudential Equity Savings Fund - Quarterly IDCW	ICICI Prudential	₹13.1700	17 Jul 2026
Franklin India Equity Savings Fund - IDCW	Franklin India	₹13.9104	17 Jul 2026
PGIM India Equity Savings Fund - Annual Dividend option	PGIM India	₹14.7084	17 Jul 2026
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Income Distribution CUM Capital Withdrawal (IDCW)	Sundaram	₹14.2563	17 Jul 2026

Recent NAVs

Date	NAV
5 Mar 2021	₹12.3639
4 Mar 2021	₹12.4141
3 Mar 2021	₹12.4268
2 Mar 2021	₹12.3476
1 Mar 2021	₹12.3131
26 Feb 2021	₹12.2552
25 Feb 2021	₹12.3731
24 Feb 2021	₹12.3268
23 Feb 2021	₹12.2508
22 Feb 2021	₹12.2497

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 - Quarterly Dividend is ₹12.3639. It's a Equity Savings Fund from PGIM India, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

PGIM India Equity Savings Fund - 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 - 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 - Quarterly Dividend has delivered a absolute return of 11.20% — +10.47 pp ahead of the Equity Savings Fund category average of 0.74%. The fund ranks #1 of 18 in its category — the top (Q1) quartile.

Over the trailing 3-year window, PGIM India Equity Savings Fund - Quarterly Dividend has delivered a CAGR of 2.68% — -1.42 pp behind the Equity Savings Fund category average of 4.11%. The fund ranks #12 of 18 in its category — the third (Q3) quartile.

Over the trailing 5-year window, PGIM India Equity Savings Fund - Quarterly Dividend has delivered a CAGR of 1.69% — -1.9 pp behind the Equity Savings Fund category average of 3.59%. The fund ranks #10 of 16 in its category — the third (Q3) quartile.

₹1 lakh invested in PGIM India Equity Savings Fund - Quarterly Dividend exactly 5 years ago would be worth approximately ₹108,746 today — a multiplier of 1.09×, based on the 5-year CAGR of 1.69%. The category average over the same window would have grown ₹1 lakh to ₹119,265.

A ₹10,000 monthly SIP in PGIM India Equity Savings Fund - Quarterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹658,303 today. That's an XIRR (money-weighted annualised return) of 3.66%.

PGIM India Equity Savings Fund - 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 ₹658,303 — XIRR 3.66%.

On a 5-year basis, PGIM India Equity Savings Fund - Quarterly Dividend ranks #10 out of 16 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 3.59%; this fund delivered 1.69%.

The worst peak-to-trough decline PGIM India Equity Savings Fund - Quarterly Dividend has experienced over the last 5-year window is 19.14% — its NAV fell from a high on 08 Sep 2016 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 - Quarterly Dividend averaged 1.69% (best 1.69%, worst 1.69%). 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 - Quarterly Dividend returned 5.16% — beating the Equity Savings Fund category average of 2.97% by 2.20 pp. It ranked #7 of 16 in its category that year.

PGIM India Equity Savings Fund - 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 - 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: 19.1%. 5-year CAGR: 1.69%.

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