Sharpe ratio
0.39Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+6.12%1Y Absolute Return
-0.30%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 Retirement Fund - Direct Plan - Growth OptionFund 1Y annualised return · 5Y history unavailable | ₹8,48,978 | ₹7,32,612 | ₹1,16,366 | +6.12% |
| 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₹1.11
₹1 Lakh since launch₹1.11 Lakh
Fund age2.6 yrs
Fund information
Scheme code152537
ISININF663L01Y61
BenchmarkBSE 500 TRI
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.04%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
6th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +138.94% | — | — |
| 3M | +6.66% | — | — |
| 6M | +20.51% | — | — |
| 1Y | +6.12% | — | +1.16% |
| Since Launch | +11.38% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.54Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
14.00%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
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
0.69How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
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%
Equity92.40%
Debt7.44%
Cash0.16%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 90 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Others CBLO | Unspecified | CBLO | 7.3% |
| ICICI Bank Ltd | Financial | Equity | 5.18% |
| HDFC Bank Ltd | Financial | Equity | 4.26% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.48% |
| Solar Industries India Ltd | Materials | Equity | 2.57% |
| Tata Consultancy Services Ltd | Technology | Equity | 2.09% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 2.04% |
| Bharti Airtel Ltd | Technology | Equity | 1.88% |
| Bajaj Finance Ltd | Financial | Equity | 1.87% |
| Navin Fluorine International Ltd | Materials | Equity | 1.83% |
Fund management
VI
Vinay Paharia
Since 2024 · Prior to joining PGIM India Mutual Fund, he was associated with Union Mutual Fund, Invesco Asset Management Company, L&T Mutual Fund, K R Choksey Shares and Securities Pvt Ltd (Jan 2004-Jan 2006), First Global Stock broking Pvt. Ltd (Jun 2002-Jan 2004).
Mr. Paharia holds a B.Com degree from Narsee Monjee College and an M.M.S. degree from Welingkar Institute of Management, Mumbai.
AN
Anandha Padmanabhan Anjeneyan
Since 2024 · Prior to joining PGIM India Asset Management Pvt Ltd, he has worked with Renaissance Investment Managers Private Limited, Canara Robeco Asset Management Company Limited.
Mr. Anjeneyan is a B. Com, ACA, CFA, FRM
VI
Vivek Sharma
Since 2024 · Prior to joining PGIM India Asset Management Pvt. Ltd. - Equity Analyst and Asst. Fund Manager, he has worked with ICICI Securities Ltd. - Equity Analyst and JP Morgan Services India Pvt. Ltd.- Associate - Investment Banking.
Mr. Sharma is a PGDM Finance
PU
Puneet Pal
Since 2024 · 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.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -16.5%, volatility 14.0%.
Strengths
- Losses and swings stayed contained — worst fall -16.5%, volatility 14.0%.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 27% of the portfolio.
- Ranks 6 of 106 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 3+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 14.0% volatility.
Risk drivers
- None