MF Gyan
otherHigh risk3 years old

PGIM India Retirement Fund - Direct Plan - Direct Growth

A specialised fund. Check the scheme details for what it invests in. From PGIM India Mutual Fund. It's been running since 19 Apr 2024.

This fund is under 3 years old — its short track record makes comparing to peers or judging consistency less reliable.
Latest price per unit
₹12.91
▲ 0.00% today
As of 4 Sep 2026 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹1.04 L
▲ ₹4.3k gain · 4.3% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹60.0k
Value today₹63.9k
Gain / loss+₹3.9k
XIRR (annualised)14.18%
Looking forward · hypothetical
You would invest₹60.0k
Would become*₹64.8k
Projected gain*+₹4.8k
*at this fund's historical rate of 14.18% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 51 other funds in Solution Oriented Scheme - Retirement Fund

Same plan
1-year return
4.28%median 4.84% (-0.56%)
Rank #28 of 52Beats 39% of peers
Bumpiness (3Y)
14.25%median 10.69% (+3.56%)
Rank #38 of 52Less risky than 17% of peers
Worst-ever drop
-16.53%median -14.49% (-2.04%)
Rank #22 of 52Less risky than 52% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 3 of last 3 years were positive.

+18%
2024
+3%
2025
+6%
2026
Best year
2024 · 18.38%
Worst year
2025 · 2.61%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
14.3%

The value swings roughly 14% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
-16.53%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of PGIM India Retirement Fund - Direct Plan - Direct Growth against other other funds.

Technical details (for the pros)
CAGR — 1 year4.28%
CAGR — 3 years—
CAGR — 5 years—
CAGR — since launch11.38%
Volatility — 1 year (annualised)13.10%
Volatility — 3 years (annualised)14.25%
Max drawdown — 1 year-15.35%
Max drawdown — 3 years-16.53%
Sharpe ratio — 1 year (rf=6%)-0.13
Sharpe ratio — 3 years (rf=6%)0.35

Fund info

Fund house
PGIM India Mutual Fund
Category
Solution Oriented Scheme - Retirement Fund
Plan
Direct
Option
Growth
ISIN (Growth)
INF663L01Y61
ISIN (Div re-invest)
—
Fund code
152537
First price on record
19 Apr 2024 · 588 daily prices

About PGIM India Retirement Fund - Direct Plan - Direct Growth

PGIM India Retirement Fund - Direct Plan - Direct Growth is a Solution Oriented Scheme - Retirement Fund offered by PGIM India Mutual Fund under the Direct plan with the Growth option. It has approximately 3 years of NAV track record. The fund falls in the other category — A specialised fund. Check the scheme details for what it invests in.

The current NAV of PGIM India Retirement Fund - Direct Plan - Direct Growth is ₹12.9100 (as of 4 Sep 2026). Historically, it has delivered 4.28% over the last year. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 14.3% annualised volatility — a "high" level of bumpiness; its deepest peak-to-trough fall on record was 16.5%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of PGIM India Retirement Fund - Direct Plan - Direct Growth?+

The latest NAV of PGIM India Retirement Fund - Direct Plan - Direct Growth is ₹12.9100 as of 4 Sep 2026, up 0.00% from the previous day. NAV is updated once a business day after the market close.

What are the returns of PGIM India Retirement Fund - Direct Plan - Direct Growth?+

PGIM India Retirement Fund - Direct Plan - Direct Growth has delivered 1-year return 4.28%, since-inception CAGR 11.38%. Returns are historical and don't predict future performance — markets move in cycles.

What category does PGIM India Retirement Fund - Direct Plan - Direct Growth belong to?+

PGIM India Retirement Fund - Direct Plan - Direct Growth is categorised as Solution Oriented Scheme - Retirement Fund. A specialised fund. Check the scheme details for what it invests in.

How risky is PGIM India Retirement Fund - Direct Plan - Direct Growth?+

Based on its 3-year annualised volatility of 14.3%, PGIM India Retirement Fund - Direct Plan - Direct Growth sits in the "high" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is PGIM India Retirement Fund - Direct Plan - Direct Growth a direct plan?+

PGIM India Retirement Fund - Direct Plan - Direct Growth is a Direct plan (no distributor commission — lower expense ratio) with the Growth option (all returns compound within the fund, no interim payouts).

How old is PGIM India Retirement Fund - Direct Plan - Direct Growth?+

PGIM India Retirement Fund - Direct Plan - Direct Growth has NAV history available from 19 Apr 2024 — approximately 3 years of track record and 588 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.