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PGIM India Mutual Fund (Formerly DHFL Pramerica Mutual Fund)

Updated on August 7, 2025 , 9042 views

DHFL Pramerica Mutual Fund, renamed as PGIM India Mutual Fund is one of the biggest financial services provider in the country. Today PGIM is a global investment management business of PFI (Prudential Financial, Inc) and is one of the topmost investment managers with an asset of over USD 1.2 trillion. It offers a wide Range of actively managed asset classes and investment styles including Equities, Fixed Income and Real Estate. PGIM is present across 15 countries and has 37 offices with over 1,200+ investment professionals.

PGIM-MF

PGIM India

AMC PGIM India Mutual Fund (Formerly DHFL Pramerica Mutual Fund)
Date of Setup May 13, 2010
AUM INR 4264.14 (Quarterly)
Managing Director & CEO Mr. Ajit Menon
CIO Mr. Srinivas Rao Ravuri
Compliance Officer Mr. Sandeep Kamath
investor Service Officer Mr. Murali Ramasubramanian
Headquarters Mumbai
Customer Care Number 1800-266-7446
Fax 022 - 61593100
Telephone 9930738128
Website https://www.pgimindiamf.com/
Email care@pgimindia.co.in

Important Information about DHFL Mutual Fund

From July 2019, DHFL Mutual Fund has been renamed as PGIM India Mutual Fund. PGIM India has acquired 100% stakes in DHFL- PGIM Asset Management.

Today, it is India's one of the leading mortgage finance institutions. The primary vision of PGIM India/DHFL throughout its span has been Financial Inclusion. Its network along with understanding about the local customer needs has helped the company to reach out to even in India's smallest towns.

PGIM India Mutual Fund is a business owned by PGIM, the global investment management business of the US based Prudential Financial, Inc. (PFI). With operations in the United States, Asia, Europe and Latin America, PFI has provided its customers with a wide range of products and services, including Life Insurance, annuities, retirement-related services, Mutual Funds and investment management.

The PFI has a diverse and talented team of employees who are committed to help all its customers individual as well as institutional to grow and protect their wealth.

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Types of Funds Offered by PGIM India/DHFL Pramerica Mutual Fund

PGIM India Mutual Fund offers a wide range of schemes under different categories to cater the varied requirements of the individuals. Some of these categories of Mutual Fund along with the best schemes in them are as follows.

DHFL Pramerica/PGIM India Equity Funds

Equity Funds are the Mutual Fund schemes that invest their fund money in equity and equity-related instruments of various companies. These schemes are a good investment option in the long-term. PGIM India offers numerous schemes under equity category. Some of the best schemes are as follows.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
PGIM India Large Cap Fund Growth ₹332.37
↓ -3.42
₹6201.43.61.111.814.99.4
PGIM India Midcap Opportunities Fund Growth ₹64.18
↓ -0.58
₹11,6408.373.713.925.321
PGIM India Diversified Equity Fund Growth ₹35.66
↓ -0.34
₹6,3924.44.73.412.818.715.5
PGIM India Tax Savings Fund Growth ₹34.1
↓ -0.48
₹7981.82.62.813.119.515.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 4 Funds showcased

Commentary PGIM India Large Cap Fund PGIM India Midcap Opportunities Fund PGIM India Diversified Equity Fund PGIM India Tax Savings Fund
Point 1Bottom quartile AUM (₹620 Cr).Highest AUM (₹11,640 Cr).Upper mid AUM (₹6,392 Cr).Lower mid AUM (₹798 Cr).
Point 2Oldest track record among peers (22 yrs).Established history (11+ yrs).Established history (10+ yrs).Established history (9+ yrs).
Point 3Top rated.Rating: 1★ (upper mid).Not Rated.Not Rated.
Point 4Risk profile: Moderately High.Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 14.94% (bottom quartile).5Y return: 25.32% (top quartile).5Y return: 18.70% (lower mid).5Y return: 19.49% (upper mid).
Point 63Y return: 11.82% (bottom quartile).3Y return: 13.95% (top quartile).3Y return: 12.79% (lower mid).3Y return: 13.07% (upper mid).
Point 71Y return: 1.10% (bottom quartile).1Y return: 3.67% (top quartile).1Y return: 3.42% (upper mid).1Y return: 2.83% (lower mid).
Point 8Alpha: -0.17 (bottom quartile).Alpha: 0.38 (lower mid).Alpha: 1.51 (top quartile).Alpha: 1.13 (upper mid).
Point 9Sharpe: -0.01 (bottom quartile).Sharpe: 0.08 (lower mid).Sharpe: 0.11 (top quartile).Sharpe: 0.09 (upper mid).
Point 10Information ratio: -0.75 (top quartile).Information ratio: -1.80 (bottom quartile).Information ratio: -1.00 (lower mid).Information ratio: -0.87 (upper mid).

PGIM India Large Cap Fund

  • Bottom quartile AUM (₹620 Cr).
  • Oldest track record among peers (22 yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 14.94% (bottom quartile).
  • 3Y return: 11.82% (bottom quartile).
  • 1Y return: 1.10% (bottom quartile).
  • Alpha: -0.17 (bottom quartile).
  • Sharpe: -0.01 (bottom quartile).
  • Information ratio: -0.75 (top quartile).

PGIM India Midcap Opportunities Fund

  • Highest AUM (₹11,640 Cr).
  • Established history (11+ yrs).
  • Rating: 1★ (upper mid).
  • Risk profile: High.
  • 5Y return: 25.32% (top quartile).
  • 3Y return: 13.95% (top quartile).
  • 1Y return: 3.67% (top quartile).
  • Alpha: 0.38 (lower mid).
  • Sharpe: 0.08 (lower mid).
  • Information ratio: -1.80 (bottom quartile).

PGIM India Diversified Equity Fund

  • Upper mid AUM (₹6,392 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 18.70% (lower mid).
  • 3Y return: 12.79% (lower mid).
  • 1Y return: 3.42% (upper mid).
  • Alpha: 1.51 (top quartile).
  • Sharpe: 0.11 (top quartile).
  • Information ratio: -1.00 (lower mid).

PGIM India Tax Savings Fund

  • Lower mid AUM (₹798 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 19.49% (upper mid).
  • 3Y return: 13.07% (upper mid).
  • 1Y return: 2.83% (lower mid).
  • Alpha: 1.13 (upper mid).
  • Sharpe: 0.09 (upper mid).
  • Information ratio: -0.87 (upper mid).

PGIM India Debt Funds

The accumulated fund money of debt funds is invested in Fixed Income and money market instruments that vary on maturity periods. The risk-appetite of debt funds is less as compared to equity funds. Debt Funds are a good option for short and medium-term investments. Some of the Best Debt Funds of DHFL Pramerica are tabulated as follows.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
PGIM India Credit Risk Fund Growth ₹15.5876
↑ 0.00
₹390.64.48.43 5.01%6M 14D7M 2D
PGIM India Insta Cash Fund Growth ₹341.986
↑ 0.04
₹3571.53.4777.35.9%1M 20D1M 24D
PGIM India Low Duration Fund Growth ₹26.0337
↑ 0.01
₹1041.53.36.34.5 7.34%6M 11D7M 17D
PGIM India Short Maturity Fund Growth ₹39.3202
↓ 0.00
₹281.23.16.14.2 7.18%1Y 7M 28D1Y 11M 1D
PGIM India Banking & PSU Debt Fund Growth ₹21.311
↑ 0.00
₹461.43.46.64.7 7.33%2Y 2M 16D2Y 9M 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Jan 22

Research Highlights & Commentary of 5 Funds showcased

Commentary PGIM India Credit Risk Fund PGIM India Insta Cash Fund PGIM India Low Duration Fund PGIM India Short Maturity Fund PGIM India Banking & PSU Debt Fund
Point 1Bottom quartile AUM (₹39 Cr).Highest AUM (₹357 Cr).Upper mid AUM (₹104 Cr).Bottom quartile AUM (₹28 Cr).Lower mid AUM (₹46 Cr).
Point 2Established history (10+ yrs).Established history (17+ yrs).Established history (18+ yrs).Oldest track record among peers (22 yrs).Established history (12+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.
Point 51Y return: 8.43% (top quartile).1Y return: 7.03% (upper mid).1Y return: 6.30% (bottom quartile).1Y return: 6.08% (bottom quartile).1Y return: 6.60% (lower mid).
Point 61M return: 0.27% (bottom quartile).1M return: 0.45% (lower mid).1M return: 0.47% (upper mid).1M return: 0.43% (bottom quartile).1M return: 0.49% (top quartile).
Point 7Sharpe: 1.73 (upper mid).Sharpe: 3.56 (top quartile).Sharpe: -1.66 (bottom quartile).Sharpe: -0.98 (bottom quartile).Sharpe: -0.72 (lower mid).
Point 8Information ratio: 0.00 (top quartile).Information ratio: -0.92 (bottom quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 5.01% (bottom quartile).Yield to maturity (debt): 5.90% (bottom quartile).Yield to maturity (debt): 7.34% (top quartile).Yield to maturity (debt): 7.18% (lower mid).Yield to maturity (debt): 7.33% (upper mid).
Point 10Modified duration: 0.54 yrs (lower mid).Modified duration: 0.14 yrs (top quartile).Modified duration: 0.53 yrs (upper mid).Modified duration: 1.66 yrs (bottom quartile).Modified duration: 2.21 yrs (bottom quartile).

PGIM India Credit Risk Fund

  • Bottom quartile AUM (₹39 Cr).
  • Established history (10+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.43% (top quartile).
  • 1M return: 0.27% (bottom quartile).
  • Sharpe: 1.73 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.01% (bottom quartile).
  • Modified duration: 0.54 yrs (lower mid).

PGIM India Insta Cash Fund

  • Highest AUM (₹357 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.03% (upper mid).
  • 1M return: 0.45% (lower mid).
  • Sharpe: 3.56 (top quartile).
  • Information ratio: -0.92 (bottom quartile).
  • Yield to maturity (debt): 5.90% (bottom quartile).
  • Modified duration: 0.14 yrs (top quartile).

PGIM India Low Duration Fund

  • Upper mid AUM (₹104 Cr).
  • Established history (18+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 6.30% (bottom quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: -1.66 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.34% (top quartile).
  • Modified duration: 0.53 yrs (upper mid).

PGIM India Short Maturity Fund

  • Bottom quartile AUM (₹28 Cr).
  • Oldest track record among peers (22 yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 6.08% (bottom quartile).
  • 1M return: 0.43% (bottom quartile).
  • Sharpe: -0.98 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.18% (lower mid).
  • Modified duration: 1.66 yrs (bottom quartile).

PGIM India Banking & PSU Debt Fund

  • Lower mid AUM (₹46 Cr).
  • Established history (12+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.60% (lower mid).
  • 1M return: 0.49% (top quartile).
  • Sharpe: -0.72 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.33% (upper mid).
  • Modified duration: 2.21 yrs (bottom quartile).

DHFL Pramerica/PGIM India Hybrid Funds

Hybrid Fund invest their corpus in a pre-determined proportion in equity and fixed income instruments. These schemes are suitable for investors seeking for long-term Capital gains along with regular income. The best schemes under hybrid category are as follows.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
PGIM India Equity Savings Fund Growth ₹49.1606
↓ -0.09
₹731.23.15.678.77.3
PGIM India Arbitrage Fund Growth ₹18.4567
↑ 0.01
₹1241.23.16.36.55.37.1
PGIM India Hybrid Equity Fund Growth ₹129.74
↑ 0.20
₹2202.53.66.713.11414.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 3 Funds showcased

Commentary PGIM India Equity Savings FundPGIM India Arbitrage Fund PGIM India Hybrid Equity Fund
Point 1Bottom quartile AUM (₹73 Cr).Lower mid AUM (₹124 Cr).Highest AUM (₹220 Cr).
Point 2Oldest track record among peers (21 yrs).Established history (10+ yrs).Established history (21+ yrs).
Point 3Top rated.Rating: 3★ (lower mid).Rating: 1★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately Low.Risk profile: Moderately High.
Point 55Y return: 8.72% (lower mid).5Y return: 5.30% (bottom quartile).5Y return: 13.98% (upper mid).
Point 63Y return: 7.04% (lower mid).3Y return: 6.54% (bottom quartile).3Y return: 13.07% (upper mid).
Point 71Y return: 5.58% (bottom quartile).1Y return: 6.35% (lower mid).1Y return: 6.72% (upper mid).
Point 81M return: -0.34% (lower mid).1M return: 0.38% (upper mid).1M return: -1.32% (bottom quartile).
Point 9Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).Alpha: 0.35 (upper mid).
Point 10Sharpe: -0.05 (bottom quartile).Sharpe: 0.30 (upper mid).Sharpe: 0.11 (lower mid).

PGIM India Equity Savings Fund

  • Bottom quartile AUM (₹73 Cr).
  • Oldest track record among peers (21 yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 8.72% (lower mid).
  • 3Y return: 7.04% (lower mid).
  • 1Y return: 5.58% (bottom quartile).
  • 1M return: -0.34% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.05 (bottom quartile).

PGIM India Arbitrage Fund

  • Lower mid AUM (₹124 Cr).
  • Established history (10+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 5Y return: 5.30% (bottom quartile).
  • 3Y return: 6.54% (bottom quartile).
  • 1Y return: 6.35% (lower mid).
  • 1M return: 0.38% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.30 (upper mid).

PGIM India Hybrid Equity Fund

  • Highest AUM (₹220 Cr).
  • Established history (21+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 13.98% (upper mid).
  • 3Y return: 13.07% (upper mid).
  • 1Y return: 6.72% (upper mid).
  • 1M return: -1.32% (bottom quartile).
  • Alpha: 0.35 (upper mid).
  • Sharpe: 0.11 (lower mid).

1. PGIM India Tax Savings Fund

"The primary objective of the Scheme is to generate long-term capital appreciation by predominantly investing in equity & equity related instruments and to enable eligible investors to avail deduction from total income, as permitted under the Income Tax Act, 1961 as amended from time to time. However, there is no assurance that the investment objective shall be realize"

Research Highlights for PGIM India Tax Savings Fund

  • Highest AUM (₹798 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 19.49% (top quartile).
  • 3Y return: 13.07% (top quartile).
  • 1Y return: 2.83% (bottom quartile).
  • Alpha: 1.13 (top quartile).
  • Sharpe: 0.09 (lower mid).
  • Information ratio: -0.87 (lower mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~98%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding HDFC Bank Ltd (~8.9%).

Below is the key information for PGIM India Tax Savings Fund

PGIM India Tax Savings Fund
Growth
Launch Date 11 Dec 15
NAV (08 Aug 25) ₹34.1 ↓ -0.48   (-1.39 %)
Net Assets (Cr) ₹798 on 30 Jun 25
Category Equity - ELSS
AMC Pramerica Asset Managers Private Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 2.32
Sharpe Ratio 0.09
Information Ratio -0.87
Alpha Ratio 1.13
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹15,553
31 Jul 22₹16,811
31 Jul 23₹19,776
31 Jul 24₹24,570
31 Jul 25₹25,228

PGIM India Tax Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for PGIM India Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4.1%
3 Month 1.8%
6 Month 2.6%
1 Year 2.8%
3 Year 13.1%
5 Year 19.5%
10 Year
15 Year
Since launch 13.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 15.6%
2023 19.5%
2022 4.7%
2021 37.5%
2020 17.9%
2019 8.2%
2018 -6.4%
2017 39.3%
2016 1.7%
2015
Fund Manager information for PGIM India Tax Savings Fund
NameSinceTenure
Bhupesh Kalyani1 Apr 232.34 Yr.
Vinay Paharia1 Apr 232.34 Yr.
Utsav Mehta15 Apr 241.29 Yr.
Vivek Sharma15 Apr 241.29 Yr.

Data below for PGIM India Tax Savings Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services30.25%
Industrials11.68%
Consumer Cyclical11.61%
Health Care10.48%
Technology9.97%
Basic Materials7.2%
Energy6.65%
Consumer Defensive5.48%
Communication Services4.28%
Real Estate0.42%
Asset Allocation
Asset ClassValue
Cash1.86%
Equity98.01%
Debt0.12%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | HDFCBANK
9%₹71 Cr355,514
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | 532174
9%₹68 Cr469,764
Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 17 | RELIANCE
7%₹53 Cr353,591
Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 19 | BHARTIARTL
4%₹30 Cr148,605
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 31 Jul 23 | ICICIGI
3%₹20 Cr98,882
Infosys Ltd (Technology)
Equity, Since 30 Jun 24 | INFY
2%₹20 Cr122,500
Persistent Systems Ltd (Technology)
Equity, Since 29 Feb 24 | PERSISTENT
2%₹19 Cr30,992
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 24 | TCS
2%₹18 Cr53,406
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Jun 23 | KOTAKBANK
2%₹18 Cr84,000
Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Apr 23 | DIXON
2%₹18 Cr12,000

2. PGIM India Credit Risk Fund

(Erstwhile DHFL Pramerica Credit Opportunities Fund)

The investment objective of the Scheme is to generate income and capital appreciation by investing predominantly in corporate debt. There can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for PGIM India Credit Risk Fund

  • Bottom quartile AUM (₹39 Cr).
  • Established history (10+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.43% (top quartile).
  • 1M return: 0.27% (lower mid).
  • Sharpe: 1.73 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.01% (lower mid).
  • Modified duration: 0.54 yrs (bottom quartile).
  • Average maturity: 0.59 yrs (lower mid).
  • Exit load: 0-1 Years (1%),1 Years and above(NIL).

Below is the key information for PGIM India Credit Risk Fund

PGIM India Credit Risk Fund
Growth
Launch Date 29 Sep 14
NAV (21 Jan 22) ₹15.5876 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹39 on 31 Dec 21
Category Debt - Credit Risk
AMC Pramerica Asset Managers Private Limited
Rating
Risk Moderate
Expense Ratio 1.85
Sharpe Ratio 1.73
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity 5.01%
Effective Maturity 7 Months 2 Days
Modified Duration 6 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,885

PGIM India Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for PGIM India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month 0.3%
3 Month 0.6%
6 Month 4.4%
1 Year 8.4%
3 Year 3%
5 Year 4.2%
10 Year
15 Year
Since launch 6.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for PGIM India Credit Risk Fund
NameSinceTenure

Data below for PGIM India Credit Risk Fund as on 31 Dec 21

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. PGIM India Low Duration Fund

The objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. There is no assurance or guarantee that the investment objective of the scheme will be achieved.

Research Highlights for PGIM India Low Duration Fund

  • Lower mid AUM (₹104 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 6.30% (lower mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: -1.66 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.34% (top quartile).
  • Modified duration: 0.53 yrs (lower mid).
  • Average maturity: 0.63 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for PGIM India Low Duration Fund

PGIM India Low Duration Fund
Growth
Launch Date 22 Jun 07
NAV (29 Sep 23) ₹26.0337 ↑ 0.01   (0.06 %)
Net Assets (Cr) ₹104 on 31 Aug 23
Category Debt - Low Duration
AMC Pramerica Asset Managers Private Limited
Rating
Risk Moderate
Expense Ratio 1.18
Sharpe Ratio -1.66
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.34%
Effective Maturity 7 Months 17 Days
Modified Duration 6 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,424
31 Jul 22₹10,734
31 Jul 23₹11,382

PGIM India Low Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹185,607.
Net Profit of ₹5,607
Invest Now

Returns for PGIM India Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.3%
1 Year 6.3%
3 Year 4.5%
5 Year 1.3%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for PGIM India Low Duration Fund
NameSinceTenure

Data below for PGIM India Low Duration Fund as on 31 Aug 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

4. PGIM India Insta Cash Fund

(Erstwhile DHFL Pramerica Insta Cash Plus Fund)

To generate steady returns along with high liquidity by investing in a portfolio of short-term, high quality money market and debt instruments.

Research Highlights for PGIM India Insta Cash Fund

  • Upper mid AUM (₹357 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.03% (upper mid).
  • 1M return: 0.45% (upper mid).
  • Sharpe: 3.56 (top quartile).
  • Information ratio: -0.92 (bottom quartile).
  • Yield to maturity (debt): 5.90% (upper mid).
  • Modified duration: 0.14 yrs (upper mid).
  • Average maturity: 0.15 yrs (upper mid).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Conservative stance with elevated cash (~100%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Clearing Corporation Of India Ltd. (~18.1%).

Below is the key information for PGIM India Insta Cash Fund

PGIM India Insta Cash Fund
Growth
Launch Date 5 Sep 07
NAV (08 Aug 25) ₹341.986 ↑ 0.04   (0.01 %)
Net Assets (Cr) ₹357 on 30 Jun 25
Category Debt - Liquid Fund
AMC Pramerica Asset Managers Private Limited
Rating
Risk Low
Expense Ratio 0.27
Sharpe Ratio 3.56
Information Ratio -0.92
Alpha Ratio -0.09
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.9%
Effective Maturity 1 Month 24 Days
Modified Duration 1 Month 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,319
31 Jul 22₹10,699
31 Jul 23₹11,404
31 Jul 24₹12,232
31 Jul 25₹13,095

PGIM India Insta Cash Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for PGIM India Insta Cash Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 3.4%
1 Year 7%
3 Year 7%
5 Year 5.6%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.3%
2023 7%
2022 4.8%
2021 3.3%
2020 4.2%
2019 6.7%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
Fund Manager information for PGIM India Insta Cash Fund
NameSinceTenure
Bhupesh Kalyani13 Sep 222.88 Yr.
Puneet Pal16 Jul 223.05 Yr.

Data below for PGIM India Insta Cash Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash99.59%
Other0.41%
Debt Sector Allocation
SectorValue
Cash Equivalent68.25%
Corporate25.92%
Government5.43%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -
18%₹99 Cr
HDFC Bank Limited
Certificate of Deposit | -
9%₹48 Cr4,800,000
↑ 2,500,000
Smfg India Credit Company Limited
Debentures | -
5%₹25 Cr2,500,000
Indian Bank
Certificate of Deposit | -
5%₹25 Cr2,500,000
Canara Bank
Certificate of Deposit | -
5%₹25 Cr2,500,000
Small Industries Development Bank of India
Commercial Paper | -
5%₹25 Cr2,500,000
Indian Oil Corp Ltd.
Commercial Paper | -
5%₹25 Cr2,500,000
DCM Shriram Ltd
Commercial Paper | -
5%₹25 Cr2,500,000
Motilal Oswal Financial Services Ltd
Commercial Paper | -
5%₹25 Cr2,500,000
↑ 2,500,000
Godrej Consumer Products Ltd.
Commercial Paper | -
5%₹25 Cr2,500,000
↑ 2,500,000

List of Name Change in Schemes of DHFL Pramerica Mutual Fund

After SEBI's (Securities and Exchange Board of India) circulation on re-categorisation and rationalisation of open-ended mutual funds, many Mutual Fund Houses are incorporating changes in their scheme names and categories. SEBI introduced new and broad categories in Mutual Funds in order to bring uniformity in similar schemes launched by the different Mutual Funds. This is to aim and ensure that investors can find it easier to compare the products and evaluate the different options available before Investing in a scheme.

Here is a list of DHFL schemes that got new names:

Old Scheme Name New Scheme Name
DHFL Pramerica Insta Cash Fund PGIM India Insta Cash Fund
DHFL Pramerica Euro Equity Fund PGIM India Euro Equity Fund
DHFL Pramerica Floating Rate Fund PGIM India Floating Rate Fund
DHFL Pramerica Hybrid Debt fund PGIM India Hybrid Debt Fund
DHFL Pramerica Hybrid Equity Fund PGIM India Hybrid Equity Fund
DHFL Pramerica Medium Term Fund PGIM India Medium Term Fund
DHFL Pramerica Strategic Debt Fund PGIM India Strategic Debt Fund
DHFL Pramerica Credit Risk Fund PGIM India Credit Risk Fund
DHFL Pramerica Equity Savings Fund PGIM India Equity Savings Fund

*Note-The list will be updated as and when we get an insight about the changes in the scheme names.

PGIM India Mutual Fund Calculator

Like every Mutual Fund company, DHFL/PGIM India too has a mutual fund calculator that helps investors to calculate the amount they need to save to fulfil their objectives. Also known as sip calculator, it shows how the investment grows over a period of time. In addition, Mutual Fund calculator helps people to decide which type of scheme they need to choose to accomplish their objectives. Some of the input data that needs to be entered in the Mutual Fund calculator include income, monthly expenses, monthly savings amount, and other related parameters.

Know Your Monthly SIP Amount

   
My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%
Total investment required is ₹3/month for 20 Years
  or   ₹257 one time (Lumpsum)
to achieve ₹5,000
Invest Now

DHFL Pramerica Mutual Fund Statement

You can generate your DHFL Pramerica/PGIM India Mutual Fund account statement from their website by entering your registered email-id.

How to Invest in PGIM India Mutual Fund Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

DHFL Pramerica/PGIM India Mutual Fund NAV

PGIM India Mutual Fund NAV can be found on the AMFI website. The latest NAV can also be found on the asset management company's website. You can also check for the historical NAV of the Fund on the AMFI website.

Why Opt for PGIM India/DHFL Pramerica Mutual Fund?

1. Excellent Market Judgement

The schemes are designed with precise Market judgment. These schemes are ahead of the market and give out better returns. Also, there is a capital appreciation actively managed for long-term The offered schemes invest in companies with strong and proven track record.

2. A variety of Choice

Investors can choose from a large range of schemes. It offers large-cap focused diversified equity, dynamic Asset Allocation, Liquid Fund, alternate maturity plan, and credit opportunity debt fund.

3. Risk Profiling and Management

Each of the above-mentioned schemes has a detailed risk profile. PGIM India excellent Risk assessment with respect to the investor profile. Equity funds are supported by strong risk management while credit opportunities debt funds offer moderate risk.

4. Investor Centric

The AMC prides itself on giving innovative investor-centric solutions.

Corporate Address

Nirlon House, 2nd Floor, Dr Annie Besant Road, Worli, Mumbai - 400 030

Sponsors

Prudential Financial, Inc. (PFI)

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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