HealthyDirect · GrowthFit for a long SIP
PGIM India Healthcare Fund
PGIM India Mutual FundEquity Schemes - Thematic Fund1.9 years
The scheme seek to generate consistent returns by predominantly investing in equity and equity related securities of pharmaceutical and healthcare companies.
- NAV
- 11.98
- 29 Oct 2026
- 1Y
- +17.1%
- Trailing CAGR
- AUM
- ₹130.33 Cr
- 30 Sept 2026
- Volatility
- Medium
- 13.2% 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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 71% of rolling 1-year windows.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Fail
1.9 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.98% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -14.5%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Anandha Padmanabhan Anjeneyan · 1.9 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 ≈ 59.3% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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 14%. 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
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
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+17.1%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+10.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+22.4%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +10.2%
- Calendar-day CAGR
- Excess 1Y
- +21.6%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -14.5%
- Worst peak-to-trough
- Current
- -6.0%
- Below last peak
- Current spell
- 59 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 24 recovered episodes
- Longest recovery
- 137 days
- Trough to prior peak
7 Jan 2025 – 15 Jul 2025
Trough 28 Feb 2025 · recovered in 137 days
-14.5%
31 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-10.0%
30 Jul 2025 – 26 Feb 2026
Trough 29 Jan 2026 · recovered in 28 days
-8.7%
26 Feb 2026 – 27 Apr 2026
Trough 2 Apr 2026 · recovered in 25 days
-6.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
60
Vs category
100
Consistency
71
Risk-adjusted
43
Drawdown
64
Mean
68
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 71% of rolling 1-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 32 holdings · top 10 are 59.3%.
- Top 5
- 39.3%
- Top 10
- 59.3%
- Largest holding
- 10.4%
- Effective holdings
- 19.8
Divi's Laboratories Ltd
Healthcare
10.4%
Sun Pharmaceutical Industries Ltd
Healthcare
10.3%
Torrent Pharmaceuticals Ltd
Healthcare
8.5%
Others CBLO
Unspecified
5.2%
Ajanta Pharma Ltd
Healthcare
5.0%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Natural Resources And New Energy Fund
DSP Mutual Fund
- 1Y
- +6.0%
- 3Y
- +19.0%
- Vol
- 19.7%
- Max DD
- -48.0%
- Sharpe
- 0.63
- 3Y win
- +74%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Nippon India Taiwan Equity Fund
Nippon India Mutual Fund
- 1Y
- +85.1%
- 3Y
- +57.9%
- Vol
- 33.9%
- Max DD
- -44.8%
- Sharpe
- 0.80
- 3Y win
- +72%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
BANDHAN INNOVATION FUND
Bandhan Mutual Fund
- 1Y
- +10.7%
- 3Y
- n/a
- Vol
- 17.0%
- Max DD
- -19.7%
- Sharpe
- 0.76
- 3Y win
- n/a
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
Mirae Asset Great Consumer Fund
Mirae Asset Mutual Fund
- 1Y
- -8.6%
- 3Y
- +10.1%
- Vol
- 14.5%
- Max DD
- -35.5%
- Sharpe
- 0.72
- 3Y win
- +71%
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
360 ONE QUANT FUND
360 ONE Mutual Fund
- 1Y
- -8.9%
- 3Y
- +13.5%
- Vol
- 16.6%
- Max DD
- -22.4%
- Sharpe
- 0.56
- 3Y win
- +91%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns