MonitorDirect · GrowthWatch before adding
PGIM India Equity Savings Fund
PGIM India Mutual FundHybrid Scheme - Equity Savings10.6 years
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.
- NAV
- 57.4299
- 28 Oct 2026
- 1Y
- +1.2%
- Trailing CAGR
- AUM
- ₹56.5 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 28 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Three-year return sits below the 25th percentile of comparable share classes.
Prefer peers if · Prefer Edelweiss Equity Savings Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
10.6 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.13% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -16.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
19% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Vivek Sharma · 2.5 years on the scheme.
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 ≈ 103.7% 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.
Drawdown rehearsal
This scheme’s worst fall on file is about 16%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
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+1.2%
- 3Y+6.2%
- 5Y+5.7%
- 10Y+7.4%
- SI+7.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.6%
- 3Y+4.0%
- 5Y+5.5%
- 10Y+7.0%
- Since inception
- +7.7%
- Calendar-day CAGR
- Excess 1Y
- -1.0%
- Category median, same plan and option
- 3Y win rate
- +19%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +4.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +1.4%
- 1883 daily-ending windows
- Median rolling 3Y
- +8.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1390 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -16.2%
- Worst peak-to-trough
- Current
- -2.4%
- Below last peak
- Current spell
- 86 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 229 recovered episodes
- Longest recovery
- 228 days
- Trough to prior peak
17 Jan 2020 – 6 Nov 2020
Trough 23 Mar 2020 · recovered in 228 days
-16.2%
28 Aug 2018 – 13 Mar 2019
Trough 11 Oct 2018 · recovered in 153 days
-4.8%
29 Jan 2018 – 9 Jul 2018
Trough 23 Mar 2018 · recovered in 108 days
-4.0%
11 Feb 2026 – 22 Jun 2026
Trough 30 Mar 2026 · recovered in 84 days
-3.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
44
Consistency
28
Risk-adjusted
43
Drawdown
59
Mean
35
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
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
30 Sept 2026 · 61 holdings · top 10 are 103.7%.
- Top 5
- 76.5%
- Top 10
- 103.7%
- Largest holding
- 47.3%
- Effective holdings
- 3.7
Net Receivables
Unspecified
47.3%
GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100
Entities
8.8%
Tata Steel Ltd
Materials
7.8%
Adani Ports and Special Economic Zone Ltd
Industrials
6.3%
Reliance Industries Ltd
Energy & Utilities
6.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Edelweiss Equity Savings Fund
Edelweiss Mutual Fund
- 1Y
- +5.1%
- 3Y
- +10.9%
- Vol
- 4.8%
- Max DD
- -9.5%
- Sharpe
- 0.88
- 3Y win
- +94%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Bajaj Finserv Equity Savings Fund
Bajaj Finserv Mutual Fund
- 1Y
- +3.4%
- 3Y
- n/a
- Vol
- 2.4%
- Max DD
- -1.6%
- Sharpe
- -0.94
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
LIC MF Equity Savings Fund
LIC Mutual Fund
- 1Y
- -0.3%
- 3Y
- +8.3%
- Vol
- 6.8%
- Max DD
- -7.5%
- Sharpe
- 0.29
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)
Sundaram Mutual Fund
- 1Y
- -2.1%
- 3Y
- +8.6%
- Vol
- 5.8%
- Max DD
- -6.2%
- Sharpe
- 0.47
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
DSP Equity Savings Fund
DSP Mutual Fund
- 1Y
- +0.0%
- 3Y
- +8.2%
- Vol
- 5.7%
- Max DD
- -18.9%
- Sharpe
- 0.53
- 3Y win
- +73%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown