PGIM India Equity Savings Fund - Direct Plan

Value Research Rating

3 star

Our Opinion

premium-user

Riskometer

fund-quick-summary-circle

Low to Moderate

₹55.8629 -0.04%

As on 08-Jul-2025

Returns

to
loading...

Calculate SIP Returns of PGIM India Equity Savings Fund - Direct Plan

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk

info

This fund has Low to Moderate risk.

Low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of PGIM India Equity Savings Fund - Direct Plan

Asset Allocation

Split between different types of investments

loading...

Market Cap Weightage

Split between categories of Equity investments

loading...

Peer Comparison

Fund name
Rating
Our Opinion
Risk info
Return (%)
Expense Ratio (%) info
PGIM India Equity Savings Fund - Direct Plan
3 star
unlock fund advisor
Low to Moderate
loading...
0.58
5 star
unlock fund advisor
Low to Moderate
loading...
0.50
4 star
unlock fund advisor
Moderately High
loading...
0.67
4 star
unlock fund advisor
Moderate
loading...
0.37
4 star
unlock fund advisor
Moderate
loading...
0.62

Other details of PGIM India Equity Savings Fund - Direct Plan

Assets

info

₹72 Cr

Exit Load (Days)

info

--

Min. Investment (₹)

5,000

Min. Withdrawal (₹)

1,000

Min. SIP Investment (₹)

1,000

Min. No of Cheques

5

Investment Strategy

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.

Suitability

"Equity-savings funds invest about a third of your money each in equity shares, bonds and arbitrage opportunities, though these proportions may vary a bit depending upon the market outlook of the fund manager. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt and arbitrage portions of these funds can provide a moderate, but steady stream of income. The equity allocation, though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year."

Capital Gains Taxation

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1.25 lakh in a financial year are exempt from tax. Gains over Rs 1.25 lakh are taxed at the rate of 12.5%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 20%.
  • No tax is to be paid as long as you continue to hold the units.

Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.

Dividend Taxation

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 10,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.
loading...
loading...
loading...
loading...
loading...
loading...

FAQ for PGIM India Equity Savings Fund - Direct Plan

Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of PGIM India Equity Savings Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, PGIM India Equity Savings Fund - Direct Plan can be bought from the PGIM India Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.

The latest declared NAV of PGIM India Equity Savings Fund - Direct Plan, is ₹55.8629 as of 09-Jul-2025.

Company Percentage of Portfolio

GOI Sec 7.10 08/04/2034

7.34

GOI Sec 7.18 14/08/2033

4.42

Export-Import Bank Of India Bonds 8.87 30/10/2029

3.03

GOI Sec 5.63 12/04/2026

2.09

GOI CGL 8.28 21/09/2027

1.47
See More

Over the past five years, PGIM India Equity Savings Fund - Direct Plan has delivered an annualised return of 10.22% as of 09-Jul-2025.

The minimum investment required to start investing in PGIM India Equity Savings Fund - Direct Plan is ₹5,000 for the lump sum option and ₹1,000 for the SIP (Systematic Investment Plan) option.