About PGIM India Retirement Fund
PGIM India Retirement Fund is a retirement fund managed by PGIM India Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
The investment objective of the scheme is to provide capital appreciation and income to investors in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments, REITs and InvITs, and fixed income securities. However, there is no assurance that the investment objective of the scheme will be achieved. The Scheme does not guarantee/ indicate any returns.
The scheme's stated objective, as published by PGIM India Mutual Fund.
The NAV (net asset value) is the price of one unit of the fund. It is published by the fund house every business day and changes with the value of the fund's holdings. The Growth option reinvests all gains, so its NAV reflects the fund's total return.
Tax on your gains
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Work out what you would owe with the capital gains tax calculator.
Every plan and option, with scheme codes
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct | Direct Growth | ₹13.18 | 152537 |
| Direct | Direct IDCW | ₹13.18 | 152539 |
| Regular | Regular Growth | ₹12.65 | 152538 |
| Regular | Regular IDCW | ₹12.65 | 152540 |
Frequently asked questions
What is the NAV of PGIM India Retirement Fund today?
The NAV of PGIM India Retirement Fund (Direct plan, Growth) is ₹13.18 and the Regular plan NAV is ₹12.65, as of 13 Nov 2026.
What returns has PGIM India Retirement Fund given?
Over the last year the Direct plan returned 6.12%. Past returns do not guarantee future returns.
What is the expense ratio of PGIM India Retirement Fund?
The Direct plan charges 1.15% a year, as disclosed on 30 Sept 2026. The fee is already taken out of the NAV, so the returns above are what you keep.
What is the minimum SIP amount in PGIM India Retirement Fund?
You can start a monthly SIP with ₹1,000, or invest a lump sum of ₹5,000 or more.
How much has PGIM India Retirement Fund fallen in the past?
Its deepest fall was 16.5% from 23 Sept 2024 to 28 Feb 2025. Of every one-year stretch in its history, 86% ended in a gain.
Which category does PGIM India Retirement Fund belong to?
It is a Retirement Fund from PGIM India Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
What is the difference between the Direct and Regular plan?
Both invest in the same portfolio. The Direct plan is bought straight from the fund house or a direct platform and has a lower expense ratio because no distributor commission is paid, so its NAV grows slightly faster over time.
How are gains from PGIM India Retirement Fund taxed?
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Source: NAVs published by the fund house through AMFI. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. This page is for information only and is not a recommendation to buy or sell.