PGIM India Equity Savings Fund
Equity SavingsModerateOPEN-ENDED
- NAV as on 24 Sep 2026
- ₹50.75-0.53%1 day
- Return since launch
- 7.5%
- 52-week range
- ₹48.98 — ₹51.57
- AUM
- ₹59.07 Cr
PGIM India Equity Savings Fund is a Equity Savings hybrid fund from PGIM India Mutual Fund with ₹59.07 Cr under management, launched in 2004. Over three years it has returned 4.2% a year, against 7.5% for its category. The expense ratio is 1.78% and the SEBI riskometer reading is Moderate.
Performance
PGIM India Equity Savings Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +2.8% against +2.6% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 2.4% | −1.1 pts | 3.5% | 1.9% |
| 2Y | 3.4% | −0.4 pts | 3.8% | 3.2% |
| 3Y | 4.3% | −3.3 pts | 7.6% | 4.3% |
| 5Y | 5.3% | −1.5 pts | 6.8% | 6.1% |
| 7Y | 6.2% | −1.7 pts | 7.9% | 6.9% |
| 10Y | 6.4% | −1.0 pts | 7.4% | 6.9% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -0.9% | −0.1 pts | -0.8% | -0.8% |
| 3M | 0.6% | −0.1 pts | 0.6% | 0.3% |
| 6M | 3.2% | −1.0 pts | 4.2% | 3.6% |
| 1Y | 2.8% | −0.7 pts | 3.5% | 2.6% |
| 2Y | 3.3% | +0.2 pts | 3.1% | 2.6% |
| 3Y | 5.7% | −1.8 pts | 7.6% | 6.5% |
| 5Y | 5.3% | −1.6 pts | 6.8% | 5.9% |
| 7Y | 6.5% | −1.7 pts | 8.2% | 7.4% |
| 10Y | 6.5% | −0.9 pts | 7.4% | 6.8% |
Since launch (15 Jan 2004): 7.5%
Calendar-year returns
Category average5.2%
12.4%
3.2%
8.1%
7.2%
6.1%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 6.1% | −1.3 pts | 7.3% |
| 2024 | 7.2% | −4.7 pts | 11.9% |
| 2023 | 8.1% | −6.2 pts | 14.3% |
| 2022 | 3.2% | −1.0 pts | 4.2% |
| 2021 | 12.4% | −1.2 pts | 13.6% |
| 2020 | 5.2% | −5.2 pts | 10.5% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.77%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.12%
- Brokerage
- 0.08%
- Transaction charges
- 0.02%
- Statutory levies
- 0.55%
- Exit load
- For units in excess of 10% of the investment,0.5% will be charged for redemption within 90 days
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY Equity Savings TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Moderate
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.52 | 0.87 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.12 | 0.72 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.13 | 0.84 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 3.19 | 6.16 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
PGIM India Equity Savings Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity19.7%
- Debt18.1%
- Other62.2%
Market cap split
- Large91.1%
- Mid8.9%
- P/E
- 21.22
- P/B
- 2.80
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 51.53% | ₹30.42 Cr | +95.04% | +4.74% | +23.88% |
| Brookfield India Real Estate Trust REIT | Construction | 4.96% | ₹2.93 Cr | +4.76% | +5.02% | — |
| IndiGrid Infrastructure Trust | Capital Goods | 4.74% | ₹2.80 Cr | +4.98% | +4.85% | — |
| Indus Infra Trust | Construction | 3.53% | ₹2.09 Cr | +2.01% | — | — |
| Export-Import Bank Of India | Financial | 3.52% | ₹2.08 Cr | +3.47% | +3.24% | +2.97% |
| GOI | Sovereign | 3.46% | ₹2.04 Cr | +5.08% | +1.59% | +1.44% |
| HDFC Bank Ltd. | Financial | 2.02% | ₹1.19 Cr | +15.30% | -12.02% | -14.28% |
| ICICI Bank Ltd. | Financial | 1.89% | ₹1.12 Cr | +1.67% | +1.70% | +1.73% |
| Reliance Industries Ltd. | Energy | 1.45% | ₹0.86 Cr | -10.04% | -11.78% | -14.34% |
| Bharti Airtel Ltd. | Communication | 1.04% | ₹0.62 Cr | +1.01% | +0.84% | -1.00% |
| State Bank of India | Financial | 0.91% | ₹0.54 Cr | +0.82% | +0.80% | — |
| Larsen & Toubro Ltd. | Construction | 0.85% | ₹0.50 Cr | +0.92% | -0.57% | -1.49% |
| Infosys Ltd. | Technology | 0.75% | ₹0.44 Cr | +0.66% | +0.72% | — |
| Bajaj Finance Ltd. | Financial | 0.63% | ₹0.37 Cr | -8.74% | -13.76% | -15.56% |
| Axis Bank Ltd. | Financial | 0.59% | ₹0.34 Cr | -3.82% | +0.62% | +0.64% |
| Kotak Mahindra Bank Ltd. | Financial | 0.57% | ₹0.34 Cr | -4.44% | -4.34% | -3.72% |
| Mahindra & Mahindra Ltd. | Automobile | 0.53% | ₹0.31 Cr | +0.49% | +0.53% | +0.40% |
| Tata Consultancy Services Ltd. | Technology | 0.52% | ₹0.31 Cr | +0.41% | +0.47% | +1.11% |
| Eternal Ltd. | Services | 0.43% | ₹0.25 Cr | +0.32% | +0.31% | +0.55% |
| Torrent Pharmaceuticals Ltd. | Healthcare | 0.43% | ₹0.25 Cr | — | — | — |
| Max Healthcare Institute Ltd. | Healthcare | 0.40% | ₹0.24 Cr | +0.39% | +0.40% | +0.44% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 0.38% | ₹0.23 Cr | +0.34% | +0.31% | — |
| TVS Motor Company Ltd. | Automobile | 0.34% | ₹0.20 Cr | +0.32% | +0.41% | +0.63% |
| Tata Steel Ltd. | Metals & Mining | 0.32% | ₹0.19 Cr | -16.02% | -18.30% | -12.04% |
| Titan Company Ltd. | Consumer Discretionary | 0.32% | ₹0.19 Cr | -9.18% | -8.82% | -8.12% |
| Maruti Suzuki India Ltd. | Automobile | 0.30% | ₹0.18 Cr | +0.33% | +0.40% | +0.41% |
| NTPC Ltd. | Energy | 0.30% | ₹0.18 Cr | +0.35% | +0.31% | — |
| Shriram Finance Ltd | Financial | 0.30% | ₹0.18 Cr | +0.26% | +0.26% | — |
| Nestle India Ltd. | Consumer Staples | 0.29% | ₹0.17 Cr | +0.30% | +0.25% | — |
| Bharat Electronics Ltd. | Capital Goods | 0.28% | ₹0.17 Cr | +0.28% | +0.28% | — |
| Tech Mahindra Ltd. | Technology | 0.27% | ₹0.16 Cr | +0.18% | +0.15% | — |
| Ultratech Cement Ltd. | Materials | 0.26% | ₹0.15 Cr | +0.25% | +0.30% | +0.53% |
| JSW Steel Ltd. | Metals & Mining | 0.24% | ₹0.14 Cr | +0.23% | +0.10% | — |
| Eicher Motors Ltd. | Automobile | 0.23% | ₹0.14 Cr | +0.23% | +0.23% | — |
| Hindalco Industries Ltd. | Metals & Mining | 0.22% | ₹0.13 Cr | +0.26% | +0.10% | — |
| Interglobe Aviation Ltd. | Services | 0.22% | ₹0.13 Cr | +0.11% | — | +0.44% |
| Power Grid Corporation Of India Ltd. | Energy | 0.22% | ₹0.13 Cr | +0.24% | +0.10% | — |
| ITC Ltd. | Consumer Staples | 0.21% | ₹0.13 Cr | +0.24% | +0.24% | — |
| Asian Paints Ltd. | Materials | 0.20% | ₹0.12 Cr | +0.23% | +0.20% | — |
| Tata Consumer Products Ltd. | Consumer Staples | 0.20% | ₹0.12 Cr | — | — | — |
| Divi's Laboratories Ltd. | Healthcare | 0.19% | ₹0.11 Cr | +0.15% | +0.15% | +0.22% |
| Persistent Systems Ltd. | Technology | 0.17% | ₹0.10 Cr | +0.16% | +0.14% | +0.30% |
| HDFC Life Insurance Co Ltd. | Insurance | 0.14% | ₹0.08 Cr | +0.15% | +0.16% | +0.16% |
| Samvardhana Motherson International Ltd. | Automobile | 0.14% | ₹0.08 Cr | +0.19% | +0.21% | — |
| Muthoot Finance Ltd. | Financial | 0.13% | ₹0.08 Cr | +0.15% | +0.20% | +0.32% |
| Mankind Pharma Ltd. | Healthcare | 0.12% | ₹0.07 Cr | +0.19% | +0.17% | +0.29% |
| SBI Life Insurance Company Ltd. | Insurance | 0.12% | ₹0.07 Cr | +0.12% | +0.16% | — |
| United Spirits Ltd. | Consumer Staples | 0.12% | ₹0.07 Cr | +0.26% | +0.32% | +0.27% |
| Varun Beverages Ltd. | Consumer Staples | 0.12% | ₹0.07 Cr | +0.32% | +0.30% | +0.63% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 0.10% | ₹0.06 Cr | +0.15% | +0.20% | +0.55% |
| ICICI Prudential Asset Management Company Ltd. | Unclassified | 0.10% | ₹0.06 Cr | +0.22% | +0.19% | — |
| NMDC Ltd. | Metals & Mining | 0.10% | ₹0.06 Cr | -9.70% | -8.12% | -6.20% |
| LG Electronics India Ltd. | Consumer Discretionary | 0.07% | ₹0.04 Cr | +0.10% | +0.12% | — |
| Cipla Ltd. | Healthcare | 0.06% | ₹0.03 Cr | +0.06% | +0.05% | — |
| SRF Ltd. | Chemicals | 0.06% | ₹0.04 Cr | +0.28% | +0.24% | +0.15% |
| Solar Industries India Ltd. | Chemicals | 0.06% | ₹0.04 Cr | +0.11% | +0.10% | +0.35% |
| TVS Motor Company Ltd - Pref. Shares | Automobile | 0.01% | ₹0.01 Cr | +0.01% | +0.01% | +0.01% |
| Hindustan Unilever Ltd. | Consumer Staples | -0.01% | ₹-0.01 Cr | — | — | — |
| Ambuja Cements Ltd. | Materials | -0.03% | ₹-0.02 Cr | -5.88% | -5.96% | -15.44% |
| Adani Ports and Special Economic Zone Ltd. | Services | -0.20% | ₹-0.12 Cr | -12.16% | -9.32% | -7.28% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Others | 1.30% | 2.54% | +1.24% |
| Titan Company Ltd. | -5.44% | -5.81% | -0.37% |
| Bajaj Finance Ltd. | -5.46% | -5.17% | +0.29% |
| Kotak Mahindra Bank Ltd. | -2.23% | -2.46% | -0.23% |
| IndiGrid Infrastructure Trust | 4.97% | 4.74% | -0.23% |
| HDFC Bank Ltd. | -5.57% | -5.35% | +0.22% |
| Dixon Technologies (India) Ltd. | 0.21% | 0.00% | -0.21% |
| Tata Steel Ltd. | -7.37% | -7.17% | +0.20% |
| Ambuja Cements Ltd. | -2.88% | -2.72% | +0.16% |
| SRF Ltd. | 0.20% | 0.06% | -0.14% |
| Brookfield India Real Estate Trust REIT | 5.09% | 4.96% | -0.13% |
| Adani Ports and Special Economic Zone Ltd. | -5.69% | -5.58% | +0.11% |
| NMDC Ltd. | -4.63% | -4.74% | -0.11% |
| Britannia Industries Ltd. | 0.10% | 0.00% | -0.10% |
| Cummins India Ltd. | 0.10% | 0.00% | -0.10% |
| Interglobe Aviation Ltd. | 0.13% | 0.22% | +0.09% |
| Indus Infra Trust | 3.45% | 3.53% | +0.08% |
| United Spirits Ltd. | 0.19% | 0.12% | -0.07% |
| Varun Beverages Ltd. | 0.19% | 0.12% | -0.07% |
| Axis Bank Ltd. | -1.81% | -1.88% | -0.07% |
| ICICI Prudential Asset Management Company Ltd. | 0.16% | 0.10% | -0.06% |
| Maruti Suzuki India Ltd. | 0.36% | 0.30% | -0.06% |
| Tata Consumer Products Ltd. | 0.14% | 0.20% | +0.06% |
| Max Healthcare Institute Ltd. | 0.45% | 0.40% | -0.05% |
| Bharti Airtel Ltd. | 1.08% | 1.04% | -0.04% |
| State Bank of India | 0.87% | 0.91% | +0.04% |
| ICICI Lombard General Insurance Company Ltd. | 0.14% | 0.10% | -0.04% |
| Mankind Pharma Ltd. | 0.16% | 0.12% | -0.04% |
| Eternal Ltd. | 0.39% | 0.43% | +0.04% |
| TVS Motor Company Ltd. | 0.38% | 0.34% | -0.04% |
| Larsen & Toubro Ltd. | 0.82% | 0.85% | +0.03% |
| Nestle India Ltd. | 0.32% | 0.29% | -0.03% |
| Asian Paints Ltd. | 0.23% | 0.20% | -0.03% |
| LG Electronics India Ltd. | 0.10% | 0.07% | -0.03% |
| Bharat Electronics Ltd. | 0.26% | 0.28% | +0.02% |
| GOI | 3.44% | 3.46% | +0.02% |
| Hindustan Unilever Ltd. | -0.63% | -0.61% | +0.02% |
| ITC Ltd. | 0.23% | 0.21% | -0.02% |
| Eicher Motors Ltd. | 0.25% | 0.23% | -0.02% |
| Power Grid Corporation Of India Ltd. | 0.24% | 0.22% | -0.02% |
| Samvardhana Motherson International Ltd. | 0.16% | 0.14% | -0.02% |
| Shriram Finance Ltd | 0.28% | 0.30% | +0.02% |
| Reliance Industries Ltd. | -4.94% | -4.96% | -0.02% |
| Export-Import Bank Of India | 3.51% | 3.52% | +0.01% |
| Divi's Laboratories Ltd. | 0.18% | 0.19% | +0.01% |
| Hindalco Industries Ltd. | 0.23% | 0.22% | -0.01% |
| ICICI Bank Ltd. | 1.90% | 1.89% | -0.01% |
| Infosys Ltd. | 0.74% | 0.75% | +0.01% |
| Mahindra & Mahindra Ltd. | 0.54% | 0.53% | -0.01% |
| Muthoot Finance Ltd. | 0.14% | 0.13% | -0.01% |
| NTPC Ltd. | 0.31% | 0.30% | -0.01% |
| SBI Life Insurance Company Ltd. | 0.13% | 0.12% | -0.01% |
| Tata Consultancy Services Ltd. | 0.51% | 0.52% | +0.01% |
| JSW Steel Ltd. | 0.23% | 0.24% | +0.01% |
| Cipla Ltd. | 0.06% | 0.06% | 0.00% |
| HDFC Life Insurance Co Ltd. | 0.14% | 0.14% | 0.00% |
| Persistent Systems Ltd. | 0.17% | 0.17% | 0.00% |
| Solar Industries India Ltd. | 0.06% | 0.06% | 0.00% |
| Sun Pharmaceutical Industries Ltd. | 0.38% | 0.38% | 0.00% |
| TVS Motor Company Ltd - Pref. Shares | 0.01% | 0.01% | 0.00% |
| Tech Mahindra Ltd. | 0.27% | 0.27% | 0.00% |
| Torrent Pharmaceuticals Ltd. | 0.43% | 0.43% | 0.00% |
| Ultratech Cement Ltd. | 0.26% | 0.26% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹3,230 Cr | 2.25% | 5.0% | 7.1% | 8.8% |
 Kotak Equity Savings Fund | ₹10,684 Cr | 2.12% | 3.3% | 6.0% | 8.3% |
 Mirae Asset Equity Savings Fund | ₹2,041 Cr | 1.73% | 3.5% | 6.4% | 8.2% |
 Edelweiss Equity Savings Fund | ₹1,660 Cr | 2.15% | 8.3% | 8.7% | 9.5% |
 HSBC Equity Savings Fund | ₹1,475 Cr | 2.46% | 7.5% | 9.0% | 10.7% |
 Baroda BNP Paribas Equity Savings Fund | ₹289 Cr | 2.81% | 2.4% | 5.3% | 7.2% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to provide capital appreciation and income distribution to the investors by using equity and equity related instruments, arbitrage opportunities and investments in debt and money market instruments.
Fund managers
- Anandha Padmanabhan AnjeneyanMr. Anjeneyan is a B. Com, ACA, CFA, FRMPrior to joining PGIM India Asset Management Pvt Ltd, he has worked with Renaissance Investment Managers Private Limited, Canara Robeco Asset Management Company Limited.
- Puneet PalMr. Pal is a B.Com (H) and MBA from SIBM Pune.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.
- Vinay PahariaMr. Paharia holds a B.Com degree from Narsee Monjee College and an M.M.S. degree from Welingkar Institute of Management, Mumbai.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).
- Vivek SharmaMr. Sharma is a PGDM FinancePrior 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.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months2.54% absolute | ₹60,000 | ₹61,524 | 2.54% | |
| 1 year2.50% annualised | ₹1,20,000 | ₹1,21,637 | 1.36% | |
| 3 years5.69% annualised | ₹3,60,000 | ₹3,93,399 | 9.28% | |
| 5 years5.22% annualised | ₹6,00,000 | ₹6,86,867 | 14.48% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of PGIM India Equity Savings Fund?
The NAV of PGIM India Equity Savings Fund is ₹50.75 as on 24 Sep 2026.
What is the expense ratio of PGIM India Equity Savings Fund?
The expense ratio of PGIM India Equity Savings Fund is 1.78% per year.
What is the minimum SIP amount for PGIM India Equity Savings Fund?
You can start a SIP in PGIM India Equity Savings Fund with ₹3,000 a month.
What returns has PGIM India Equity Savings Fund given?
PGIM India Equity Savings Fund has returned 1.9% over 1 year, 4.2% over 3 years and 5.2% over 5 years (annualised).
Is there a lock-in or exit load on PGIM India Equity Savings Fund?
Lock-in: None. Exit load: For units in excess of 10% of the investment,0.5% will be charged for redemption within 90 days.
How risky is PGIM India Equity Savings Fund?
PGIM India Equity Savings Fund is rated Moderate on the SEBI riskometer and belongs to the Equity Savings category.
Which fund house manages PGIM India Equity Savings Fund?
PGIM India Equity Savings Fund is managed by PGIM India Mutual Fund, which runs 25 schemes with ₹26,640 Cr under management.