PGIM India Equity Savings Fund
(An Open Ended Scheme investing in equity, arbitrage and debt)


Key Features

Benchmark Index
Benchmark Index

NIFTY Equity Savings Index

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Minimum Application Amount
Minimum Application Amount

Minimum of ₹ 5000/- and in multiples of ₹ 1/- thereafter.

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Minimum Additional Amount
Minimum Additional Amount

Additional Purchase - Minimum of ₹ 1000/- and in multiples of ₹ 1/- thereafter.

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Exit Load
Exit Load

Nil

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Scheme Overview

Investment Objective

The investment objective of the scheme is 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.

However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee/ indicate any returns.

Investment Strategy

  • The scheme seeks to achieve its investment objective primarily by employing various strategies which seek to exploit available arbitrage opportunities in equity markets combined with investments in unhedged equity positions as well as debt and money market instruments.
  • A top down and bottom up approach will be used to invest in equity and equity related instruments. 15% to 30% of the portfolio is invested in equity to benefit from the upside in the equity markets
  • The debt allocation is actively managed and the Fund Management team may endeavor to generate returns whilst moderating credit and interest rate risk. Up to 30% of the portfolio is invested in medium to long term bonds, including G-secs, to benefit from a rally in bond prices brought about by a decline in interest rates
  • About 40% to 50% of the portfolio would be invested in equity arbitrage positions to cushion the volatility in returns

Introduction :

Equity Savings Funds adopt a three pronged strategy of investing in a mix of equity, fixed income and arbitrage. This helps you participate in the equity upside and at the same time offers you stability through arbitrage and fixed income exposure.

What is PGIM India Equity Savings Fund?

The fund invests in a combination of equity, equity arbitrage and debt to provide an optimal mix of diversification.

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Here’s the asset allocation pattern:

Instruments Indicative allocatios(% of total Assets) Risk Profile
Minimum Maximum
A. Equity and Equity related instruments 65% 90% High
A1. Of which Not Long Equity* 5% 40% High
A2. Of which Equity and Equity derivates** (Only Arbitage opportunities) 25% 85% High
B. Debt Secureties and Money Markets Instruments (including investments in securitiezd debt) 10% 35% Low to Medium
C. Of Units issued by InVITs And REITs 0% 10% Medium to High

Why you should invest in PGIM India Equity Savings Fund?

  • If you are looking for a relatively low to moderate risk solution and the same time participate in equity, PGIM India Equity Savings Fund may be ideal for this goal.
  • Disciplined asset allocation ensures that regular profit booking happens in the asset class which has outperformed.
  • Asset allocation within a range helps define the risk-return characteristics, which can ensure discipline and resistance to emotions while investing.

Who can invest in PGIM India Equity Savings Fund?

  • Investors who have a low to moderate risk profile and are looking for a limited exposure to equity can consider PGIM India Equity Savings Fund.
  • Investors looking for a tax-efficient solution at a relatively lower risk.

What should be ideal time horizon while investing In PGIM India Equity Savings Fund?

Investors should have an investment horizon of at least two years or above while investing in PGIM India Equity Savings Fund.

Is PGIM India Equity Savings Fund risky?

Since the fund invests predominantly in predominantly in debt and arbitrage, it carries relatively Low to Moderate Risk. The net equity exposure is capped at 40%.

FAQs

How to invest in PGIM India Equity Savings Fund?

There are multiple ways to invest in PGIM India Equity Savings Fund.

  • Invest Easy Online
  • MF Utilities
  • MF Central
  • AMFI/SEBI registered mutual fund distributor or Registered investment Advisor.

Can I invest through SIP and lumpsum mode in PGIM India Equity Savings Fund?

Yes.

  • Initial Purchase : Minimum of Rs 5,000
  • Additional Purchase : Minimum of Rs 1,000

In case of SIP, a minimum of 5 installments of Rs. 1,000 each is required.

Should you invest lumpsum or through SIP in PGIM India Equity Savings Fund?

The decision to invest through SIP or lumpsum depends on your cash flows. If you have regular cash flow, it is advisable to invest through SIP. Investing through lumpsum option is also ideal as the fund has the in-built flexibility to maintain the right mix between equity and debt so that your equity exposure is not too high when valuations are stretched.

What frequency/dates are allowed for Systematic Investment Plan (SIP), Systematic Transfer Plan (STP) and Systematic Withdrawal Plan (SWP) transactions in PGIM India Equity Savings Fund?

SWP Transaction Dates

  • Monthly, Quarterly & Annual : Any date
  • Minimum no. of installments and Minimum amount per installment: Monthly, Quarterly & Annual : 5 (five) installments of Rs 1,000 each Monthly, Quarterly & Annual: 5 installments of Rs 1,000 each
  • Mode of Payment: Monthly, Quarterly & Annual (as chosen by unitholder)
Scheme Performance
Scheme Portfolio
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riskometer

This product is suitable for investors who are seeking*:

  • Capital appreciation and Income distribution over the medium term

  • Investment primarily in equity and equity related securities and a small allocation to debt securities

  • Degree of risk – Low to Moderate

* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Riskometer

Low to  Moderate  - Investors understand that their principal will be at Low to  Moderate risk

fund managers
A Anandha

Mr.A.Anandha Padmanabhan

Collectively over 15 years of experience in Indian financial markets, primarily in equity Read More...

Vinay Paharia

Mr. Vinay Paharia

Collectively over 20 years of experience in Indian financial markets, primarily in equity research & Fund Management Read More...

Hitash Dang

Mr. Hitash Dang

Over 23 years of experience in the equity markets, sales and Business Development

Read More...

Puneet Pal

Mr. Puneet Pal

Over 22 years of experience in Debt Market

Read More...

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.


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