A goal-oriented mutual-fund structure
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.
Investors whose goal and access needs match the scheme's lock-in or exit rules.
Market risk plus any lock-in, exit restriction and goal-timing mismatch.
How the money may be invested
Equities & Equity related instruments - Min 75 % and Max 100% Debt Securities and Money Market Instruments, including cash, Triparty Repo and equivalent and units of mutual funds- Min 0% and Max 25% Units issued by InvITs- Min 0% and Max 10%
- SEBI category
- Solution Oriented Scheme – Retirement Fund
- Fund type
- An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier).
- Primary benchmark
- BSE 500 TRI
Use the latest monthly portfolio
Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.
Manager and scheme tenure
- Fund manager(s)
- Mr. Vinay Paharia, Mr. Vivek Sharma, Mr. Anandha Padmanabhan Anjeneyan, and Mr. Puneet Pal
- Manager tenure on this scheme
- Since Mr. Vinay Paharia - 15/04/2024, Mr. Vivek Sharma - 01/08/2024, Mr. Anandha Padmanabhan Anjeneyan - 01/08/204 and Mr. Puneet Pal - 15/04/2024.
- Role / co-management
- Description - Asset classwise we have different Fund Manager. Vinay Paharia is a Primary Fund Manager for Equity, Vivek Sharma is a Comanage Fund Manager for Equity, Anandha Padmanabhan Anjeneyan is a Comanage Fund Manager for Equity and Puneet Pal for Debt.
The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.
Latest NAV records
NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.
| Plan / option reported by AMFI | NAV | Date |
|---|---|---|
| PGIM India Retirement Fund - Direct Plan - Direct Growth | ₹12.9100 | 04 Sep 2026 |
| PGIM India Retirement Fund - Direct Plan - Direct IDCW | ₹12.9100 | 04 Sep 2026 |
| PGIM India Retirement Fund - Regular Plan - Regular Growth | ₹12.4200 | 04 Sep 2026 |
| PGIM India Retirement Fund - Regular Plan - Regular IDCW | ₹12.4200 | 04 Sep 2026 |
What you pay and how money moves
- Stated expense ratio
- Regular 2.60%, Direct 1.13%
- Exit load
- NIL
- Minimum application
- Rs. 5000 · multiples of Rs.1
- SIP frequency
- SIP - Monthly/Quarterly, SWP - Monthly/ Quartely/ Annually, STP -Daily/Weekly/Monthly/Quarterly
- Minimum SIP amount
- SIP - Monthly/Quarterly : 1000, SWP - Monthly/ Quartely/ Annually : 1000, STP -Daily/Weekly/Monthly/Quarterly :1000
- Minimum instalments
- SIP - 5, SWP - 5, STP - 5
How a mutual-fund investment is paid
- Complete KYCIdentity, PAN, bank and contact verification are required.
- Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
- Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
- Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
- Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.
Download and verify at source
The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.
Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.