Should I invest in PGIM India Flexi Cap Fund?

We don't give personal investment advice. PGIM India Flexi Cap Fund - Direct Plan - Dividend 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: 28.1%. 5-year CAGR: 1.01%.

PGIM India

PGIM India Flexi Cap Fund - Direct Plan - Dividend Option

Latest NAV

₹20.4500

As of

17 Jul 2026

2,799 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	+0.39%	-0.75%	+1.14	16 / 105	Q1
1W	+0.10%	-1.14%	+1.23	40 / 104	Q2
2W	+0.49%	-1.11%	+1.60	28 / 104	Q2
1M	+1.74%	-0.05%	+1.79	40 / 104	Q2
3M	+3.75%	+3.22%	+0.53	52 / 103	Q3
6M	-7.30%	+4.88%	-12.18	87 / 100	Q4
YTD	-8.75%	+0.89%	-9.64	86 / 98	Q4
1Y	-7.26%	+10.06%	-17.31	75 / 88	Q4
2Y	-5.31%	+5.19%	-10.51	71 / 82	Q4
3Y	+1.03%	+9.89%	-8.86	66 / 73	Q4
4Y	+3.59%	+10.57%	-6.98	37 / 43	Q4
5Y	+1.01%	+9.11%	-8.10	35 / 36	Q4
7Y	+9.35%	+12.20%	-2.85	19 / 27	Q3
10Y	+6.88%	+8.87%	-1.99	10 / 17	Q3
Inception	+6.52%	+8.47%	-1.96	65 / 105	Q3

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	-8.75%	-1.68%	-7.07	41 / 46
2025	-3.62%	+1.97%	-5.58	37 / 43
2024	+6.95%	+18.83%	-11.88	42 / 42
2023	+10.73%	+26.32%	-15.59	35 / 36
2022	-11.72%	-2.27%	-9.46	30 / 36
2021	+39.53%	+23.11%	+16.41	2 / 50
2020	+35.63%	+11.58%	+24.05	4 / 56
2019	+11.56%	+5.80%	+5.77	16 / 68
2018	-21.49%	-11.53%	-9.96	30 / 33
2017	+31.37%	+29.49%	+1.88	12 / 30
2016	-0.78%	-0.10%	-0.68	20 / 30

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

+9.61%

127 windows

min -25.5% · max 77.2%

60% positive

3-Year rolling

+8.78%

102 windows

min -8.1% · max 29.7%

92% positive

5-Year rolling

+10.37%

78 windows

min -1.7% · max 20.9%

96% positive

7-Year rolling

+9.34%

54 windows

min 7.0% · max 12.4%

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

12.48%

3-year · annualised

Sharpe ratio

-0.37

vs risk-free 6.5%

Sortino ratio

-0.54

Downside-only deviation

Max drawdown

-27.82%

Sep 2024 → Mar 2026

% positive months

55.6%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - IDCW Option - Direct Plan	HDFC	₹90.9250	17 Jul 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.9459	17 Jul 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹60.6918	17 Jul 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹17.8600	17 Jul 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹18.4500	17 Jul 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹51.9180	17 Jul 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹83.0629	17 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹235.7300	17 Jul 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹33.4858	17 Jul 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹69.9344	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹20.4500
16 Jul 2026	₹20.3700
15 Jul 2026	₹20.4100
14 Jul 2026	₹20.3100
13 Jul 2026	₹20.4100
10 Jul 2026	₹20.4300
9 Jul 2026	₹20.2500
8 Jul 2026	₹20.1000
7 Jul 2026	₹20.4100
6 Jul 2026	₹20.4600

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 Flexi Cap Fund - Direct Plan - Dividend Option is ₹20.4500. It's a Flexi Cap Fund from PGIM India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

PGIM India Flexi Cap Fund - Direct Plan - Dividend Option has NAV history starting from 09 Mar 2015, a track record of about 11 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 Flexi Cap Fund - Direct Plan - Dividend Option is managed by PGIM India. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, PGIM India Flexi Cap Fund - Direct Plan - Dividend Option has delivered a absolute return of -7.26% — -17.31 pp behind the Flexi Cap Fund category average of 10.06%. The fund ranks #75 of 88 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India Flexi Cap Fund - Direct Plan - Dividend Option has delivered a CAGR of 1.03% — -8.86 pp behind the Flexi Cap Fund category average of 9.89%. The fund ranks #66 of 73 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Flexi Cap Fund - Direct Plan - Dividend Option has delivered a CAGR of 1.01% — -8.1 pp behind the Flexi Cap Fund category average of 9.11%. The fund ranks #35 of 36 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Flexi Cap Fund - Direct Plan - Dividend Option exactly 10 years ago would be worth approximately ₹194,577 today — a multiplier of 1.95×, based on the 10-year CAGR of 6.88%. The category average over the same window would have grown ₹1 lakh to ₹233,919.

A ₹10,000 monthly SIP in PGIM India Flexi Cap Fund - Direct Plan - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹594,734 today. That's an XIRR (money-weighted annualised return) of -0.35%.

A ₹10,000 monthly SIP for 10 years in PGIM India Flexi Cap Fund - Direct Plan - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,621,291 (multiplier 1.35×). XIRR: 5.86%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, PGIM India Flexi Cap Fund - Direct Plan - Dividend Option ranks #35 out of 36 funds in the Flexi Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.11%; this fund delivered 1.01%.

The worst peak-to-trough decline PGIM India Flexi Cap Fund - Direct Plan - Dividend Option has experienced over the last 5-year window is 28.14% — its NAV fell from a high on 17 Jan 2022 to a low on 20 Jun 2022. 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 Flexi Cap Fund - Direct Plan - Dividend Option averaged 10.37% (best 20.90%, worst -1.68%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -0.30 — negative risk-adjusted performance.

In calendar year 2025, PGIM India Flexi Cap Fund - Direct Plan - Dividend Option returned -3.62% — lagging the Flexi Cap Fund category average of 1.97% by 5.58 pp. It ranked #37 of 43 in its category that year.

PGIM India Flexi Cap Fund - Direct Plan - Dividend 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 Flexi Cap Fund - Direct Plan - Dividend 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: 28.1%. 5-year CAGR: 1.01%.

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