MonitorDirect · GrowthWatch before adding
PGIM India Dynamic Term Fund
PGIM India Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund13.8 years
The Scheme seek to generate returns through active management of a portfolio of debt and money market instruments.
- NAV
- 3,096.379
- 29 Oct 2026
- 1Y
- +2.0%
- Trailing CAGR
- AUM
- ₹78.47 Cr
- 30 Sept 2026
- Volatility
- Low
- 2.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 78% of rolling 3-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer ICICI Prudential Dynamic Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.49% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -4.1%. Ask whether you can hold through a similar fall.
Vs category
Pass
78% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 95.5% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+2.0%
- 3Y+6.8%
- 5Y+6.0%
- 10Y+7.2%
- SI+7.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.0%
- 3Y+4.8%
- 5Y+5.9%
- 10Y+6.5%
- Since inception
- +7.8%
- Calendar-day CAGR
- Excess 1Y
- -0.8%
- Category median, same plan and option
- 3Y win rate
- +78%
- Windows beating the median
- 3Y percentile
- 50
- Vs comparable share classes
- SIP 3Y XIRR
- +4.8%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.4%
- 2621 daily-ending windows
- Median rolling 3Y
- +8.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2138 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -4.1%
- Worst peak-to-trough
- Current
- -1.2%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +73%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 302 recovered episodes
- Longest recovery
- 246 days
- Trough to prior peak
17 Jun 2013 – 22 Apr 2014
Trough 19 Aug 2013 · recovered in 246 days
-4.1%
9 Mar 2020 – 23 Apr 2020
Trough 23 Mar 2020 · recovered in 31 days
-3.4%
24 Nov 2016 – 15 May 2017
Trough 22 Feb 2017 · recovered in 82 days
-3.0%
27 Oct 2017 – 27 Mar 2018
Trough 1 Feb 2018 · recovered in 54 days
-2.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
50
Vs category
45
Consistency
71
Risk-adjusted
60
Drawdown
90
Mean
63
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- The fund beat the category median in 78% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 17 holdings · top 10 are 95.5%.
- Top 5
- 73.6%
- Top 10
- 95.5%
- Largest holding
- 35.1%
- Effective holdings
- 5.6
Others CBLO
Unspecified
35.1%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
16.3%
POWER FINANCE CORPORATION LIMITED SR 251B 6.59 BD 15OT30 FVRS1LAC
Financial
9.2%
INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 190 6.65 BD 20MY30 FVRS1LAC
Financial
6.8%
CANARA BANK CD 22JAN27
Financial
6.2%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Dynamic Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +3.5%
- 3Y
- +7.1%
- Vol
- 2.5%
- Max DD
- -3.6%
- Sharpe
- 1.31
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Kotak Dynamic Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.6%
- Vol
- 2.4%
- Max DD
- -3.2%
- Sharpe
- 1.06
- 3Y win
- +89%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Mahindra Manulife Dynamic Term Fund
Mahindra Manulife Mutual Fund
- 1Y
- +3.3%
- 3Y
- +7.2%
- Vol
- 1.8%
- Max DD
- -2.3%
- Sharpe
- 0.13
- 3Y win
- +24%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
360 ONE Dynamic Term Fund
360 ONE Mutual Fund
- 1Y
- +3.3%
- 3Y
- +7.7%
- Vol
- 2.7%
- Max DD
- -8.0%
- Sharpe
- 0.50
- 3Y win
- +43%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Groww Dynamic Term Fund
Groww Mutual Fund
- 1Y
- +2.7%
- 3Y
- +5.8%
- Vol
- 1.9%
- Max DD
- -2.3%
- Sharpe
- 0.06
- 3Y win
- +0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns