PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth
NAV as on 21-04-2025
₹ 38.28
▲1.1%
1D
Inception Returns
15.4%
/yr
Historical NAV & Returns
Absolute
▲
▼
871 people have invested ₹ 18.8L in PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth in the last three months
About PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth is an equity fund. This fund was started on 11 December, 2015. The fund is managed by Bhupesh Kalyani, Vinay Paharia. The fund could potentially beat inflation in the long-run.
Key Parameters
- PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth has ₹741 Cr worth of assets under management (AUM) as on Mar 2025 and is less than category average.
- The fund has an expense ratio 0.8.
Returns
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth has given a CAGR return of 15.42% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 13.19%, 13.44% and 25.57% respectively.
Holdings
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Industrial, Health, Consumer Cyclical, Tech, Basic Materials, Energy, Consumer Defensive, Communication, Government, Real Estate. Its top holdings are HDFC Bank Ltd, ICICI Bank Ltd, Reliance Industries Ltd, Bharti Airtel Ltd, Tata Consultancy Services Ltd
Taxation
As it is a elss (tax savings) mutual fund the taxation is as follows:For short term (less than a year) capital gains will be taxed at 20%For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefitDividends will always be taxed at slab rate. Long term gains upto Rs 1 lakh are exempt capital gains tax.
Investment objective of PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth
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.
Minimum Investment and lockin period
Minimum investment for lump sum payment is INR 500.00 and for SIP is INR 500.00. There is a lock in period for PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth of 3 Years
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth Overview
| Expense ratio | 0.75% |
Benchmark | Nifty 500 TR INR |
| AUM | ₹741 Cr |
| Inception Date | 11 December, 2015 |
| Min Lumpsum/SIP | ₹500/₹500 |
| Exit Load | 0% |
| Lock In | 3 Years |
TurnOver | 72.51% |
| STCG | Selling mutual fund before 1 year, returns taxed at 20%. |
| LTCG | After 1 year, 12.5% tax on returns over ₹1.25 lakh/year. |
| Risk |   Very High Risk |
INDmoney Rank for PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth
Powered by IND quant engine
10
/23
38% Performance
54% Risk Management
59% Cost
10 out of 23 among elss (tax savings)
Beats FD returns for both 3Y & 5Y
Underperforms benchmarks during bull run
3Y returns in the bottom 25% of the category
Trailing Returns
as on (21-Apr-25)
Fund Distribution
as on (31-Mar-25)
Large cap
63.5%
Mid cap
21.2%
Small cap
11.4%
Sector Allocation
Financial Services
30.4%
Industrial
12.5%
Health
11.5%
Consumer Cyclical
10.7%
Tech
10.6%
Basic Materials
7%
Energy
6.3%
Consumer Defensive
6.3%
Communication
4.1%
Real Estate
0.5%
All changes are between Jan'25 and Mar'25
- This fund’s returns stands at 6.59% whereas the fund’s underlying benchmark Nifty 500 returns stands at 7.25% as on Mar'25
- This fund underperformed Nifty 500 by 0.66% in Mar'25
- AUM of the fund stands at 740.7 Cr as of Mar'25
- AUM increased by 42.3 Cr between Mar'25 and Feb'25
Top Stocks bought last month
Nestle India Ltd's allocation increased from 0.97% to 1.69%
ICICI Bank Ltd's allocation increased from 8.1% to 8.55%
Hindustan Aeronautics Ltd Ordinary Shares's allocation increased from 1.41% to 1.79%
Top Stocks sold last month
HDFC Bank Ltd's allocation decreased from 8.82 % to 8.77 %
Tata Consultancy Services Ltd's allocation decreased from 2.66 % to 2.6 %
Infosys Ltd's allocation decreased from 2.96 % to 2.6 %
Large Cap allocation has gone up from 62.5% to 63.5%
Small Cap allocation has gone down from 11.4% to 11.4%
Mid Cap allocation has gone up from 21.1% to 21.2%
Cash allocation has gone down from 4.2% to 3.8%
Debt allocation has gone down from 0.1% to 0.1%
Top 3 Sectors in March were Financial Services, Industrial & Health
Mar'25
Financial Services
30%
Industrial
13%
Health
11%
Feb'25
Financial Services
30%
Industrial
12%
Health
11%
Holdings | Weight% | 1M Change | |
|---|---|---|---|
 HDFC Bank Ltd | 8.77% | 0% | |
 ICICI Bank Ltd | 8.55% | 0% | |
 Reliance Industries Ltd | 6.09% | 0% | |
 Bharti Airtel Ltd | 3.48% | 0% | |
 Tata Consultancy Services Ltd | 2.6% | 0% |
See all
Funds | 1Y Returns | 3Y Returns | 5Y Returns | Since Inception |
|---|---|---|---|---|
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth | 13.19% | 13.44% | 25.57% | 15.42% |
 DSP ELSS Tax Saver Fund Direct Plan Growth | 18.78% | 19.76% | 29.03% | 18.23% |
 SBI Long Term Equity Fund Direct Growth | 10.8% | 23.95% | 30.59% | 16.63% |
 Mirae Asset ELSS Tax Saver Fund -Direct Plan-Growth | 10.77% | 15.07% | 27.07% | 19.28% |
See all
Top Growth Drivers | 1M Return |
|---|---|
 Hindustan Aeronautics Ltd | 8.5% |
 HDFC Bank Ltd | 7.7% |
 ICICI Bank Ltd | 4.7% |
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Bhupesh Kalyani
Fund Manager of PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth, since 1 April 2023
Top funds managed
Vinay Paharia
Fund Manager of PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth, since 1 April 2023
Top funds managed
Fund House
PGIM India Asset Management Private Limited
Total Schemes
Total AUM
₹23.11K Cr
as on 31-Mar-2025
Address
PGIM India Asset Management Private Limited,Nirlon House, 2nd Floor,,Dr. Annie Besant Road,,Worli,
Phone
+912271584300
Website
mailmanager@karvy.com
Mutual Fund Insights
In the last 5 years, Quant ELSS Tax Saver Growth Option Direct Plan has given 37.19% return, outperforming this fund by 11.61% per annum.
Over the last 1 month, this fund has experienced a 6.1% growth in AUM moving from 698.4 Cr to 740.71 Cr.
In the last 1 year, DSP ELSS Tax Saver Fund Direct Plan Growth has given 18.78% return, outperforming this fund by 5.6%.
Over the last 1 year, this fund has decreased expense ratio by 3.8% moving from 0.78 to 0.75.
In the last 3 years, SBI Long Term Equity Fund Direct Growth has given 23.95% return, outperforming this fund by 10.51% per annum.
This fund expense ratio is slightly on the lower side within the category (elss (tax savings)). Its expense ratio is 0.75% which is lower than the category average expense ratio of 1.29%.
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth Highlights
Very High Risk
Investors understand that their principal will be at Very High Risk
About the fund
This fund has delivered an average annual returns of 15.42% since inception which is more than its category average return of 14.91%
Fund Allocations
This fund has an allocation of 96.04% in Equity, 0.13% in Debt and 3.83% in Cash related instruments
AUM size ₹741 Cr
This fund has AUM of ₹741 Cr which is less than its category average of ₹ 4910 Cr
Expense Ratio 0.75%
This fund has an expense ratio of 0.75% which is less than its category average expense ratio of 1.4%
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5Y CAGR
▲ 32.78
5Y CAGR
▲ 21.02
5Y CAGR
▲ 26.92
3Y CAGR
▲ 11.44
Frequently Asked Questions for PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth
The current NAV of PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth is ₹38.28 as on 21-Apr-2025.
Existing (Absolute + CAGR) as on 21-Apr-2025.
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth | Absolute Returns | CAGR Returns |
1 Month Returns | 3.21% | 3.21% |
6 Month Returns | -0.39% | -0.39% |
1 Year Returns | 13.19% | 13.19% |
3 Years Returns | 46% | 13.44% |
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0.75% as on March 2025
₹741 Cr as on March 2025
HDFC Bank Ltd(8.77%), ICICI Bank Ltd(8.55%), Reliance Industries Ltd(6.09%), Bharti Airtel Ltd(3.48%), Tata Consultancy Services Ltd(2.6%) as on March 2025
Financial Services(29.19%), Industrial(12.04%), Health(11.02%) as on March 2025
The alpha ratio for the PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth for various period is as follows:
Fund Name | Alpha 1 Year | Alpha 3 Years | Alpha 5 Years |
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth | 3.82 | -0.33 | 2.08 |
As on March 2025
The alpha for PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth is calculated against Nifty 500 TR INR. Higher alpha indicates that this fund has generated extra returns compared to the benchmark index. An alpha of 1.0 means the fund has outperformed its benchmark index by 1%.
The Beta ratio for the PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth for various period is as follows:
Fund Name | Beta 1 Year | Beta 3 Years | Beta 5 Years |
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth | 0.93 | 0.84 | 0.91 |
As on March 2025
The Beta for PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth is calculated with Nifty 500 TR INR. Beta tells the volatility of the mutual fund relative to its benchmark. If the beta of a mutual fund is more than 1, then the mutual fund is more volatile than its benchmark. If beta is less than 1, then the mutual fund is less volatile than the benchmark.
The sharpe ratio for the PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth for various period is as follows:
Fund Name | Sharpe Ratio 1 Year | Sharpe Ratio 3 Years | Sharpe Ratio 5 Years |
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth | 0.28 | 0.47 | 1.32 |
As on March 2025
The sharpe ratio for PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth is calculated with Nifty 500 TR INR. Sharpe ratio tells risk-adjusted-returns of the mutual fund. The higher a fund's Sharpe ratio, the better a fund's returns have been relative to the risk it has taken on.
The standard deviation for the PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth for various period is as follows:
Fund Name | Standard Deviation 1 Year | Standard Deviation 3 Years | Standard Deviation 5 Years |
PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth | 16.04 | 13.06 | 14.91 |
As on March 2025
Standard deviation tells the volatility of the returns of the mutual fund. The higher a fund's Standard deviation, the higher the volatility of the fund's returns.
Sortino ratio is 0.76 as on March 2025. Sortino ratio tells the downside risk-adjusted-returns of the mutual fund.
Bhupesh Kalyani, Vinay Paharia are the fund managers of PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth
The Exit load of PGIM India ELSS Tax Saver Fund Dir Gr Direct Growth is 0%