Sharpe ratio
0.51Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.76%1Y Absolute Return
-0.11%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| PGIM India Dynamic Bond Fund - Direct Plan-Growth OptionFund 5Y annualised return | ₹8,48,350 | ₹7,32,612 | ₹1,15,738 | +6.09% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.9 yrs
Fund information
Scheme code120084
ISININF663L01AD7
BenchmarkCRISIL Dynamic Bond A-III Index
CategoryDebt Scheme - Dynamic Bond
Expense ratio0.49%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
56th / 160 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +8.81% | — | — |
| 3M | -2.32% | — | — |
| 6M | +4.72% | — | — |
| 1Y | +2.76% | — | +1.66% |
| 3Y | +6.85% | — | +3.62% |
| 5Y | +6.09% | — | +3.39% |
| 10Y | +7.19% | — | — |
| Since Launch | +7.84% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.81Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.16%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.90How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt98.56%
Cash1.44%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 18 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Others CBLO | Unspecified | CBLO | 24.31% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 20.65% |
| POWER FINANCE CORPORATION LIMITED SR 251B 6.59 BD 15OT30 FVRS1LAC | Financial | Debenture | 8.87% |
| HDFC SECURITIES LIMITED 91D CP 04SEP26 | Financial | Commercial Paper | 8.34% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 190 6.65 BD 20MY30 FVRS1LAC | Financial | Bonds | 6.55% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 6.17% |
| REC LIMITED SR 249B 6.70 BD 31DC29 FVRS1LAC | Financial | Bonds | 5.96% |
| CANARA BANK CD 22JAN27 | Financial | Certificate of Deposit | 5.81% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 4.96% |
| RURAL ELECTRIFICATION CORPORATION LIMITED SR I 8.01 BD 24MR28 FVRS10LAC | Financial | Debenture | 3.06% |
Fund management
PU
Puneet Pal
Since 2017 · Prior to joining PGIM India Mutual Fund, he has worked with BNP Paribas AMC as Head Fixed Income, UTI AMC as Sr. Vice President & Fund Manager & TATA AMC as Fund Manager.
Mr. Pal is a B.Com (H) and MBA from SIBM Pune.
AK
Akhil Dhar
Since 2026 · Prior to joining the PGIM MF, he was associated with IndusInd Bank Ltd, CARE Rating Ltd, India Ratings and Research Private Ltd.
PGDBM (Finance) and B.E (Electrical)
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Summary
A moderate-risk debt scheme - dynamic bond fund. Same fund manager for 9+ years — the strategy has not chopped and changed. Top 10 holdings make up 95% — a handful of stocks can swing returns sharply.
Strengths
- Same fund manager for 9+ years — the strategy has not chopped and changed.
Weaknesses
- Top 10 holdings make up 95% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 95% of the portfolio.