PGIM India Retirement Fund
Direct–Growth is the plan and option we treat as this fund's main page, so search engines are pointed there. Everything below is this filing's own data.
Fund basics
Everything the NAV says
Computed from 584 published NAVs between 19 Apr 2024 and 28 Aug 2026 — 2.4 years of history. Nothing here is an estimate; it is arithmetic on what the fund actually printed.
How it has moved
Return over time (%)
| Fund name | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|
| PGIM India Retirement Fund Regular | 1.79 | 7.84 | 9.15 | 4.86 | — | — | — | — | 10.05 |
| Nifty 100 benchmark | 0.25 | 3.49 | -1.52 | 1.84 | 10.52 | 9.38 | — | — | 12.79 |
| Retirement Funds category median · 28 funds | — | — | — | -4.75 | 7.01 | 6.83 | — | 8.53 | — |
Anything over a year is annualised (CAGR); shorter windows are absolute. The benchmark row is the index fund named below, priced daily by AMFI like every other scheme here. The category row is the median Regular plan in Retirement Funds — the middle fund, not a ranking, and a median rather than an average so that one mis-stated scheme cannot move it. As on 30 Oct 2026.
Risk measures
| Fund name | Volatility | Sharpe | Sortino | Beta | Alpha | Max fall |
|---|---|---|---|---|---|---|
| PGIM India Retirement Fund Regular | 15.89 | 0.22 | 0.33 | 1.00 | 4.21 | -17.14 |
| Nifty 100 benchmark | 14.37 | 0.28 | 0.40 | — | — | -37.03 |
Risk-free rate 6.5%. Beta and alpha need an index, so the benchmark's own row leaves them blank.
Risk
| Volatility | Downside volatility | Sharpe | Sortino |
|---|---|---|---|
| 15.9% | 10.8% | 0.22 | 0.33 |
Risk-free rate 6.5%, roughly the 10-year government bond.
The worst it has been
| Deepest fall | Time to recover | Today, from its peak |
|---|---|---|
| -17.1% | 5 months | At a high |
A drawdown is the fall from a previous high to the low that followed it. It is the number that decides whether somebody stays invested — a fund can have an excellent ten-year return and still have been unbearable to hold in year four.
Every one-year period it has lived through
| Best year | Median year | Worst year | Losing years |
|---|---|---|---|
| 19.6% | 3.6% | -5.5% | 20% |
Rolling returns ask a fairer question than a single five-year figure: not "what did it do from this one start date", but "what happened across every start date". A fund whose worst year is −45% is a different proposition from one whose worst is −8%, even if the averages match.
Calendar years
How it compares in its category
Against the Retirement Funds Regular schemes with the highest three-year return. Same category, same plan — the only comparison that means anything. The list re-sorts itself as returns move; it is an ordering by one number, not a view on which fund anyone should hold.
| Scheme | Return | Alpha | Beta | Volatility | Sharpe | Max fall |
|---|---|---|---|---|---|---|
| PGIM India Retirement Fund PGIM India Mutual Fund · this scheme | — | 4.2% | 1.00 | 15.9% | 0.22 | -17.1% |
| ICICI Prudential Retirement Fund Pure Equity Plan ICICI Prudential Mutual Fund | 20.4% | 9.3% | 1.05 | 16.1% | 0.86 | -37.4% |
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan ICICI Prudential Mutual Fund | 18.0% | 7.6% | 0.88 | 13.6% | 0.85 | -28.9% |
| Aditya Birla Sun Life Retirement Fund-The 30s Plan Aditya Birla Sun Life Mutual Fund | 16.1% | 5.5% | 0.99 | 15.5% | 0.62 | -34.3% |
| Union Retirement Fund Union Mutual Fund | 13.5% | 3.1% | 0.93 | 14.0% | 0.50 | -18.2% |
| Axis Retirement Fund - Dynamic Plan Axis Mutual Fund | 12.1% | 1.8% | 0.90 | 13.4% | 0.42 | -18.1% |
| Axis Retirement Fund - Aggressive Plan Axis Mutual Fund | 11.4% | 1.4% | 0.82 | 12.1% | 0.41 | -26.0% |
| Tata Retirement Savings Fund-Progressive Plan Tata Mutual Fund | 13.4% | 2.6% | 1.01 | 16.2% | 0.43 | -34.3% |
| Tata Retirement Savings Fund-Moderate Plan Tata Mutual Fund | 12.5% | 2.3% | 0.87 | 13.8% | 0.43 | -29.7% |
Alpha and beta are against Nifty 100. Max fall is the deepest peak-to-trough drop in each fund's own history, so a longer-running fund has had more chances to record a bad one. Click a column to sort. This is a sort, not a ranking, and nothing here is a recommendation.
What a Retirement Funds scheme is
Solution-oriented, with a five-year lock or until retirement.
An ordinary hybrid or equity fund wrapped in a lock-in. The lock is the feature — it stops you selling in a bad year — and it is also the cost, because the money is not available if you need it.
Who it suits. Investors who know they would otherwise interrupt a long plan.
How long money should stay. Until retirement.
Questions people ask
What is the NAV of PGIM India Retirement Fund — Regular Plan — Regular IDCW?
₹11.6100 as on 30 Oct 2026, from AMFI's daily NAV file. NAV is declared once each business day after markets close, so the figure here is the most recent one published.
What is the difference between the Direct and Regular plan of PGIM India Retirement Fund?
They hold the identical portfolio, run by the same manager. A Regular plan pays a distributor commission out of the fund, inside its expense ratio — commonly 0.5% to 1.2% a year more than Direct. That difference is charged on the whole balance, every year, so it compounds: on ₹1,00,000 held ten years a gap of 1.5 percentage points is roughly ₹1.4 lakh of ending value. Direct is the same fund without the commission.
What does the Regular IDCW option mean?
An IDCW option pays part of the fund's gains out to you, and the NAV falls by exactly what it pays. It is not extra return — it is your own money returned, taxed at your slab rate. That also means a return computed from NAV alone understates an IDCW scheme, which is why no CAGR is shown here for it.
What kind of scheme is this?
Solution-oriented, with a five-year lock or until retirement. An ordinary hybrid or equity fund wrapped in a lock-in. The lock is the feature — it stops you selling in a bad year — and it is also the cost, because the money is not available if you need it.
How long should money stay in it?
Typically Until retirement. Investors who know they would otherwise interrupt a long plan.