Should I invest in PGIM India Small Cap Fund?

We don't give personal investment advice. PGIM India Small Cap Fund - Direct Plan - IDCW 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. 5-year CAGR: 8.02%.

PGIM India

PGIM India Small Cap Fund - Direct Plan - IDCW Option

Latest NAV

₹14.9000

As of

17 Jul 2026

1,221 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	-0.67%	-0.57%	-0.10	27 / 35	Q4
1W	-1.19%	-0.78%	-0.41	27 / 35	Q4
2W	-0.33%	+0.24%	-0.57	30 / 35	Q4
1M	+1.98%	+2.49%	-0.51	27 / 35	Q4
3M	+10.70%	+9.82%	+0.87	12 / 35	Q2
6M	+2.83%	+11.04%	-8.21	31 / 34	Q4
YTD	+0.74%	+7.75%	-7.00	30 / 33	Q4
1Y	-3.37%	+2.05%	-5.42	23 / 31	Q3
2Y	-1.67%	+0.72%	-2.39	18 / 28	Q3
3Y	+8.21%	+13.37%	-5.16	20 / 25	Q4
4Y	+9.64%	+16.28%	-6.63	21 / 22	Q4
5Y	+8.02%	+12.69%	-4.66	19 / 22	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.09%	+16.03%	-7.94	34 / 35	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
2026 YTD	+0.74%	+7.75%	-7.00	30 / 33
2025	-8.18%	-7.90%	-0.28	15 / 29
2024	+18.13%	+24.76%	-6.63	19 / 27
2023	+21.49%	+37.24%	-15.75	24 / 24
2022	-3.47%	-0.11%	-3.36	15 / 22
2021	—	—	—	—

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

+8.83%

49 windows

min -10.8% · max 37.4%

69% positive

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

3-Year rolling

+11.10%

25 windows

min 7.0% · max 17.6%

100% positive

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

5-Year rolling

—

Insufficient history

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

15.42%

3-year · annualised

Sharpe ratio

0.16

vs risk-free 6.5%

Sortino ratio

0.22

Downside-only deviation

Max drawdown

-28.39%

Oct 2024 → Mar 2026

% positive months

58.3%

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 Small Cap Fund

Scheme	Fund house	NAV	As of
HDFC Small Cap Fund - IDCW Option - Direct Plan	HDFC	₹64.9880	17 Jul 2026
NIPPON INDIA SMALL CAP FUND - Direct Plan - IDCW Option	Nippon India	₹108.2762	17 Jul 2026
SBI Small Cap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹142.5935	17 Jul 2026
ICICI Prudential Smallcap Fund - Direct Plan - IDCW	ICICI Prudential	₹69.5500	17 Jul 2026
Invesco India Smallcap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹39.1700	17 Jul 2026
BANDHAN SMALL CAP FUND - DIRECT PLAN IDCW	Bandhan	₹38.6450	17 Jul 2026
quant Small Cap Fund - IDCW Option - Direct Plan	Quant	₹245.0357	17 Jul 2026
Aditya Birla Sun Life Small Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹76.8382	17 Jul 2026
Motilal Oswal Small Cap Fund - Direct IDCW	Motilal Oswal	₹16.8394	17 Jul 2026
Franklin India Small Cap Fund - Direct - IDCW	Franklin India	₹52.9724	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹14.9000
16 Jul 2026	₹15.0000
15 Jul 2026	₹15.0300
14 Jul 2026	₹14.9500
13 Jul 2026	₹15.0700
10 Jul 2026	₹15.0800
9 Jul 2026	₹14.9500
8 Jul 2026	₹14.7300
7 Jul 2026	₹14.8900
6 Jul 2026	₹14.9800

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 Small Cap Fund - Direct Plan - IDCW Option is ₹14.9000. It's a Small 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 Small Cap Fund - Direct Plan - IDCW Option has NAV history starting from 02 Aug 2021, a track record of about 4 years 11 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

PGIM India Small Cap Fund - Direct Plan - IDCW Option is managed by PGIM India. It's classified by AMFI under the 'Small Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, PGIM India Small Cap Fund - Direct Plan - IDCW Option has delivered a absolute return of -3.37% — -5.42 pp behind the Small Cap Fund category average of 2.05%. The fund ranks #23 of 31 in its category — the third (Q3) quartile.

Over the trailing 3-year window, PGIM India Small Cap Fund - Direct Plan - IDCW Option has delivered a CAGR of 8.21% — -5.16 pp behind the Small Cap Fund category average of 13.37%. The fund ranks #20 of 25 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Small Cap Fund - Direct Plan - IDCW Option has delivered a CAGR of 8.02% — -4.66 pp behind the Small Cap Fund category average of 12.69%. The fund ranks #19 of 22 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Small Cap Fund - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹147,088 today — a multiplier of 1.47×, based on the 5-year CAGR of 8.02%. The category average over the same window would have grown ₹1 lakh to ₹181,712.

A ₹10,000 monthly SIP in PGIM India Small Cap Fund - Direct Plan - IDCW Option over the last 3 years — total invested ₹360,000 — would be worth ₹378,806 today. That's an XIRR (money-weighted annualised return) of 3.33%.

PGIM India Small Cap Fund - Direct Plan - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹378,806 — XIRR 3.33%.

On a 5-year basis, PGIM India Small Cap Fund - Direct Plan - IDCW Option ranks #19 out of 22 funds in the Small Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 12.69%; this fund delivered 8.02%.

The worst peak-to-trough decline PGIM India Small Cap Fund - Direct Plan - IDCW Option has experienced over the last 3-year window is 28.39% — its NAV fell from a high on 16 Oct 2024 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 3-year rolling windows, PGIM India Small Cap Fund - Direct Plan - IDCW Option averaged 11.10% (best 17.58%, worst 6.97%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.16 — weak risk-adjusted performance.

In calendar year 2025, PGIM India Small Cap Fund - Direct Plan - IDCW Option returned -8.18% — lagging the Small Cap Fund category average of -7.90% by 0.28 pp. It ranked #15 of 29 in its category that year.

PGIM India Small Cap Fund - Direct Plan - IDCW 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 Small Cap Fund - Direct Plan - IDCW 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. 5-year CAGR: 8.02%.

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