{"id":232497,"date":"2026-09-05T15:30:46","date_gmt":"2026-09-05T10:00:46","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/"},"modified":"2026-09-05T15:30:46","modified_gmt":"2026-09-05T10:00:46","slug":"pgim-india-equity-savings-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/","title":{"rendered":"PGIM India Equity Savings Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/pgim-india-equity-savings-fund-g-direct-plan\">PGIM India Equity Savings Fund Direct Growth Plan<\/a> has a NAV of \u20b958.4163 as of 04 Sep 2026 and an AUM of \u20b959 Cr. Its 1-year, 3-year and 5-year returns are 4.16%, 6.88% and 6.35% respectively, with a Medium Risk tag. Our view is that this is a measured hybrid option for conservative investors who want a steadier profile than an equity-heavy fund, but it still asks for patience because the recent return profile is softer than the medium-term track.<\/p>\n<p>The portfolio is positioned with a large cash and receivables buffer, government securities and a few listed infrastructure-style holdings. That mix can support lower day-to-day volatility, but it also means the fund is likely to move more gradually than a pure equity strategy.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_PGIM_India_Equity_Savings\" title=\"Should you BUY or HOLD PGIM India Equity Savings?\">Should you BUY or HOLD PGIM India Equity Savings?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_PGIM_India_Equity_Savings_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of PGIM India Equity Savings Fund Direct Growth Plan?\">What is the current NAV of PGIM India Equity Savings Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#How_has_the_fund_performed_versus_its_benchmark\" title=\"How has the fund performed versus its benchmark?\">How has the fund performed versus its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#How_does_it_compare_with_peer_funds_on_available_return_data\" title=\"How does it compare with peer funds on available return data?\">How does it compare with peer funds on available return data?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_what_is_the_exit_load\" title=\"Who manages the fund and what is the exit load?\">Who manages the fund and what is the exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/pgim-india-equity-savings-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b958.4163 as of 04 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b959 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.58%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Hybrid<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Anandha Padmanabhan Anjeneyan, Sharma Vivek, Vinay Paharia, Puneet Pal<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Anandha Padmanabhan Anjeneyan, Sharma Vivek, Vinay Paharia and Puneet Pal.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 04 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.39%<\/td>\n<td>-2.95%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.81%<\/td>\n<td>2.27%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>4.16%<\/td>\n<td>-4.43%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.88%<\/td>\n<td>5.88%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.35%<\/td>\n<td>6.29%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Over the most recent month, the fund declined slightly, but it held up better than the benchmark, which fell more sharply. That tells us the portfolio has retained some defensive quality in a weak patch, even though short-term momentum is not especially strong.<\/p>\n<p>The three-month picture is healthier. The fund returned 2.81% against 2.27% for the benchmark, so it stayed marginally ahead while still moving in a relatively modest band. For a hybrid scheme, that kind of behaviour usually matters more than large bursts of upside.<\/p>\n<p>The one-year return is more useful for judging the current tone of the fund. At 4.16%, it is positive, while the benchmark is negative at -4.43%. That gap suggests the fund has been more resilient over the recent cycle than the index it is compared with, even if the absolute return remains moderate.<\/p>\n<p>Longer term, the picture is steady rather than exciting. The three-year return of 6.88% is slightly ahead of the benchmark\u2019s 5.88%, and the five-year return of 6.35% is almost in line with the benchmark\u2019s 6.29%. Our reading is that the fund has delivered a smoother compounding path than the benchmark over the medium term, but without a large long-run return advantage.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 04 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_PGIM_India_Equity_Savings\"><\/span>Should you BUY or HOLD PGIM India Equity Savings?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding PGIM India Equity Savings? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/pgim-india-equity-savings-fund-g-direct-plan\">PGIM India Equity Savings Fund Direct Growth Plan<\/a><\/td>\n<td>4.16%<\/td>\n<td>6.88%<\/td>\n<td>6.35%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/edelweiss-equity-savings-fund-g-direct-plan\">Edelweiss Equity Savings Fund Direct Growth Plan<\/a><\/td>\n<td>8.83%<\/td>\n<td>11.63%<\/td>\n<td>9.77%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/hsbc-equity-savings-fund-g-direct-plan\">HSBC Equity Savings Fund Direct Growth Plan<\/a><\/td>\n<td>8.58%<\/td>\n<td>13.26%<\/td>\n<td>11.08%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/woc-equity-savings-fund-g-direct-plan\">WOC Equity Savings Fund Direct Growth Plan<\/a><\/td>\n<td>8.08%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/mahindra-manulife-equity-savings-fund-g-direct-plan\">Mahindra Manulife Equity Savings Fund Direct Growth Plan<\/a><\/td>\n<td>7.75%<\/td>\n<td>9.82%<\/td>\n<td>9.04%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/mirae-asset-equity-savings-fund-g-direct-plan\">Mirae Asset Equity Savings Fund Direct Growth Plan<\/a><\/td>\n<td>6.47%<\/td>\n<td>10.18%<\/td>\n<td>9.16%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>On the recent one-year view, the fund trails the stronger peer numbers and sits below several peers that have posted higher returns over the same horizon. The gap is wider on the three-year and five-year tables, where the available peers have materially stronger outcomes than this fund. The short-term story and the longer-term story both lean in the same direction here: the fund has been steadier than the benchmark at times, but it has not matched the stronger compounding profile seen across several peers.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 04 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Net Receivables \/ (Payables)<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>48.68%<\/td>\n<\/tr>\n<tr>\n<td>7.1% Government of India<\/td>\n<td>Government Securities<\/td>\n<td>8.54%<\/td>\n<\/tr>\n<tr>\n<td>Brookfield India Real Estate Trust<\/td>\n<td>Finance<\/td>\n<td>5.09%<\/td>\n<\/tr>\n<tr>\n<td>Indigrid Infrastructure Trust<\/td>\n<td>Finance<\/td>\n<td>4.97%<\/td>\n<\/tr>\n<tr>\n<td>8.87% Export Import Bank of India **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.51%<\/td>\n<\/tr>\n<tr>\n<td>Indus Infra Trust<\/td>\n<td>Finance<\/td>\n<td>3.45%<\/td>\n<\/tr>\n<tr>\n<td>7.18% Government of India<\/td>\n<td>Government Securities<\/td>\n<td>3.44%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Ltd.<\/td>\n<td>Bank<\/td>\n<td>2.12%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Bank Ltd.<\/td>\n<td>Bank<\/td>\n<td>1.9%<\/td>\n<\/tr>\n<tr>\n<td>Reliance Industries Ltd.<\/td>\n<td>Crude Oil<\/td>\n<td>1.69%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is Net Receivables \/ (Payables) at 48.68%, which is very substantial on its own and gives the portfolio a strong cash-like anchor. After that, the weight drops to 8.54% for 7.1% Government of India, so the exposure thins out quickly from the first line item to the rest of the portfolio.<\/p>\n<p>By the tenth holding, the weight is down to 1.69%, which shows a clear tapering pattern across the visible holdings. That kind of spread means the disclosed portfolio is not dependent only on one security after the largest cash position, but the first few positions still likely have greater influence than the tail.<\/p>\n<p>The top 10 holdings account for approximately 83.39% of the portfolio, and 19 holdings are disclosed in total. That suggests a portfolio that is meaningfully concentrated in the leading positions while still leaving room for a longer tail of smaller allocations.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/pgim-india-equity-savings-fund-g-direct-plan\">PGIM India Equity Savings Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 04 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund suits investors who can live with moderate risk and who want a hybrid structure rather than a pure equity bet. The Medium Risk tag and the sizable cash-and-debt style allocations point to a profile that may appeal to conservative savers with a medium to long holding period.<\/p>\n<p>The main trade-off is clear: the fund has shown better resilience than the benchmark in weak patches, but it has not delivered the stronger longer-term gains seen in several peers. Investors who want smoother behaviour and can accept moderate returns may find that balance workable, while those seeking faster growth may view the pace as restrained.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 04 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_PGIM_India_Equity_Savings_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of PGIM India Equity Savings Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b958.4163 as of 04 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s returns are 4.16% for 1 year, 6.88% for 3 years and 6.35% for 5 years.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_the_fund_performed_versus_its_benchmark\"><\/span>How has the fund performed versus its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has been ahead of the benchmark over 1 year, 3 years and 5 years, and it also held up better over 1 month despite a slight decline.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_peer_funds_on_available_return_data\"><\/span>How does it compare with peer funds on available return data?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Several peers show stronger 1-year, 3-year and 5-year returns. The fund\u2019s recent and medium-term returns are steadier than the benchmark in parts, but they are lower than the stronger peer figures available here.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b91,000.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_what_is_the_exit_load\"><\/span>Who manages the fund and what is the exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Anandha Padmanabhan Anjeneyan, Sharma Vivek, Vinay Paharia and Puneet Pal. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PGIM India Equity Savings Fund Direct Growth Plan has been steadier than its benchmark in recent periods, but its longer-term return profile is measured rather than strong. The peer table also shows that several comparable funds have posted higher 1-year, 3-year and 5-year returns. Its Medium Risk profile, cash-heavy first holding and government-debt exposure make it a more defensive hybrid choice than a growth-led one, so it fits investors who prefer balance and can accept moderate compounding rather than aggressive upside.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 5 September 2026 at 3:29 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"PGIM India Equity Savings Fund Direct Growth Plan\",\"identifier\":\"pgim-india-equity-savings-fund-g-direct-plan\",\"category\":\"Hybrid\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":58.4163,\"valueReference\":\"as of 04 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"59 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.58\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":4.16},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.88},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.35},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Anandha Padmanabhan Anjeneyan, Sharma Vivek, Vinay Paharia, Puneet Pal\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of PGIM India Equity Savings Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b958.4163 as of 04 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 4.16% for 1 year, 6.88% for 3 years and 6.35% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed versus its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has been ahead of the benchmark over 1 year, 3 years and 5 years, and it also held up better over 1 month despite a slight decline.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on available return data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Several peers show stronger 1-year, 3-year and 5-year returns. The fund\u2019s recent and medium-term returns are steadier than the benchmark in parts, but they are lower than the stronger peer figures available here.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b91,000.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Anandha Padmanabhan Anjeneyan, Sharma Vivek, Vinay Paharia and Puneet Pal. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>PGIM India Equity Savings Fund Direct Growth Plan has a NAV of \u20b958.4163 as of 04 Sep 2026, AUM of \u20b959 Cr, and 1Y\/3Y\/5Y returns of 4.16%\/6.88%\/6.35%.<\/p>\n","protected":false},"author":29,"featured_media":232496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-232497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["232496"],"rank_math_title":["PGIM India Equity Savings Fund Review 2026"],"rank_math_description":["PGIM India Equity Savings Fund Direct Growth Plan NAV is \u20b958.4163 as of 04 Sep 2026; 1Y return is 4.16% and 5Y return is 6.35%."],"rank_math_focus_keyword":["PGIM India Equity Savings Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/PGIM_India_Equity_Savings_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=232497"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232497\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/232496"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=232497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=232497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=232497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}