PNB MetLife Small Cap Fund NFO

PNB MetLife Small Cap Fund is an investment option that aims to capture the growth potential in the smallcap segment of the market. This fund mainly invests in a portfolio of smallcap stocks that offer you exposure to companies with high growth potential. The goal of this PNB MetLife new fund is to give you a chance to make more money over time.

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What is PNB MetLife Small Cap Fund?

PNB MetLife Small Cap Fund is an open-ended market-linked fund that aims to grow your wealth through active management based on research. This PNB new fund invests in a mix of mainly smallcap companies chosen carefully through research to achieve better returns with manageable risk over the duration of the policy.

Highlights of PNB MetLife Small Cap Fund 2024

Particulars Details
Investment Objective The PNB MetLife Small Cap 100 fund aims to grow your wealth by actively managing funds backed by research. It focuses on achieving higher risk-adjusted returns over the policy term by investing in a diverse range of mainly small-cap companies selected through thorough research.
Benchmark Index NIFTY Smallcap 100 Index
Risk Profile Very High
Fund Launch Date 19 February 2024
Current NAV Rs. 10 (from 19th to 29th February)
Minimum Investment Rs. 2,000 with PNB MetLife Mera Wealth Plan

Why Should You Invest in PNB MetLife Small Cap Fund?

4 reasons to invest in PNB metlife small cap fund4 reasons to invest in PNB metlife small cap fund

The main reasons for you to consider investing in PNB Smallcap NFO are listed below:

  • Impressive Performance: The midcap fund of PNB MetLife achieved remarkable returns of 30.6% over the last 5 years. It is recognized as the top-performing midcap fund during this period.

  • Accessible Investment Plan: The new PNB MetLife NFO is available through the user-friendly Mera Wealth Plan at the minimum premium amount of Rs. 2,000 per month.

  • Initial Offering Details: The PNB MetLife Smallcap Fund NFO will be launched with a Net Asset Value (NAV) of Rs. 10 on 19th February 2024.

  • Robust Portfolio Management: The Asset Management Company (AMC) of the PNB MetLife Smallcap 100 Fund currently manages a substantial portfolio valued at Rs. 46,278 crores.

  • Market Linked Insurance Plans: You can start to invest in PNB MetLife Smallcap fund at an affordable ₹2,000 with PNB MetLife Mera Wealth Plan. It facilitates entry into long-term financial planning.

  • Comprehensive Coverage: The new PNB MetLife Smallcap NFO is available across Savings, Child, and Retirement plans. It caters to diverse investment objectives and timelines of the investors.

  • Eligible Investors: The Non-Resident Indians (NRIs), Overseas Citizens of India (OCIs), and Persons of Indian Origin (PIOs) can also invest in PNB MetLife Smallcap NFO along with domestic citizens.

Overview of PNB MetLife Insurance Company

PNB MetLife India Insurance Company Limited is a life insurance company with over 20 years of excellence in providing top-notch life insurance solutions. The company was founded in 2001 and is headquartered in Mumbai.

highlights of PNB metlifehighlights of PNB metlife

It is a joint venture between MetLife International, a subsidiary of MetLife, Inc., and Punjab National Bank (PNB), one of India's largest nationalized banks. 

About PNB Bank:

  • PNB Bank is one of India's oldest and most trusted public sector banks

  • One of India's oldest and most trusted public sector banks

  • Over 120 years of banking experience

  • Second largest PSB in India

  • Global business worth Rs. 18,09,587 crore

  • Serves over 18 crore customers with 11,000+ branches

About MetLife Life Insurance Company:

  • A global leader in life insurance for over 150 years

  • Operates in more than 40 countries

  • Serves over 100 million customers worldwide

  • Offers a wide range of life, accident, health, retirement, and savings products

  • Largest life insurer in the United States

  • Named to Fortune's 2024 list of World's Most Admired Companies

PNB MetLife Fund Performance

PNB MetLife offers a variety of mutual funds across different categories, each with its own investment objective and risk profile. 

The following 10 funds offered by PNB MetLife have provided high returns in the last 5 years:

Fund Name 5-Year Returns 10-Year Returns Returns Since Inception (RSI) Fund Size (in Crores)
Mid Cap Fund 30.8% N.A. 23.5% 237 Cr
Virtue II Fund 23.7% 19.4% 14.3% 2,778 Cr
Flexi Cap Fund  18% 15.7% 11.8% 1,340 Cr
Balancer II Fund 12.6% 11.6% 9.4% 812 Cr
Preserver II Fund 6.5% 7.4% 7.1% 79 Cr
Protector II Fund  6.2% 7.2% 7.2% 767 Cr
Premier Multi-cap Fund 22.8% N.A. 19.6% 102 Cr
CREST (Thematic Fund) 21% N.A 17.7% 36 Cr
Multiplier III Fund 19.4% N.A 15.3% 78 Cr
Liquid Fund 3.9% N.A 4.3% 2 Cr

Understanding Smallcap Funds

Small-cap funds are a type of mutual fund that invests in stocks of small companies. These companies typically have a market capitalization of more than ₹5 billion but less than ₹17,500 crores. 

definition & bifurcation of stock based on market capsdefinition & bifurcation of stock based on market caps

Why Smallcap Funds are Smart Investments?

The small cap funds can be a smart investment for investors with high risk tolerance and long-term investment horizon. The key attractive features of a smallcap fund are as follows:

  • Future Leaders: Smallcap funds invest in companies with solid fundamentals and capable management, positioning them to potentially become industry leaders in the future.

  • High Growth Potential: These funds target small companies in the early stages of their lifecycle, offering ample room for significant growth.

  • Innovation at Core: Small companies have the flexibility to innovate and explore new technologies or markets, driving potential for disruptive growth.

  • Market Darkhorse: Small caps often represent untapped potential, primed for remarkable growth opportunities that larger companies may not offer.

Illustration of Small Cap Fund Returns

  • Titan Smallcap Fund has surged with a remarkable 31% Compound Annual Growth Rate (CAGR), resulting in 16-times increase over the past decade.

  • Similarly, TVS Motors' smallcap fund has grown by 38% annually, resulting in a remarkable 24-times growth over the same period.

Smallcap Fund Returns – Best for Long-Term Wealth Creation

Smallcap funds can be great for long-term wealth creation, as can be seen below:

  • Potentially High Returns: Outperform other funds in the long-term (e.g., 70.90% average return in 1-year).

  • Growth Potential: Invest in companies with high growth potential.

NIFTY Small Cap 100 Index Returns CAGR Returns (as of 31 January 2024)
1-Year 70.9%
3-Year 32.1%
5-Year 22.6%
10-Year 18.8%
20-Year 16.5%

How to Buy PNB MetLife Small Cap Fund?

PNB MetLife Small Cap Fund is available with the following best investment options in India in 2024: 

  • PNB MetLife Mera Wealth Plan

  • PNB MetLife Capital Guarantee Solution – Savings Plan

  • PNB MetLife Capital Guarantee Solution – Waiver of Premium (WoP)

  • PNB MetLife Capital Guarantee Solution – Whole Life Plan

  • Goal Ensure Multiplier Savings Plan

  • Goal Ensure Multiplier – Waiver of Premium (WoP)

  • Goal Ensure Multiplier – Whole Life Plan

Let us learn about the key features of top plans with high returns offered by PNB MetLife in detail below:

  1. PNB Mera Wealth Plan

    • No Premium Allocation Charges: With Zero Premium Allocation Charges (PAC), all your investment goes directly into growing your wealth.

    • Loyalty Additions: Each year, starting from your 6th policy year, you receive Loyalty Additions, enhancing the value of your investment.

    • Calculate Loyalty Additions: Loyalty Additions are determined based on the average fund value over the year.

    • You can select an investment option of your choice from-

      • Self-Managed Option: Directly manage your investments and switch between ten funds.

      • Systematic Transfer Option (STO): Regularly invest a fixed amount through STO to balance

    • Tax Benefits: Enjoy tax benefits on premiums paid and maturity amounts under the Income Tax Act, 1961.

    • Riders: Enhance your plan's coverage with additional riders such as accidental death benefit, critical illness, and waiver of premium.

  2. Goal Ensure Multiplier Savings Plan

    Return of Fund Management Charges (ROFMC):

    • For the 5-year pay term: All charges deducted in the first 5 years are returned in year 10.

    • For > 7-year pay terms: All charges deducted in the first 7 years are returned at year 10.

    Return of Premium Allocation Charges:

    Up to 150% of allocation charges returned in equal instalments at years 10, 15, and 20.

    Return of Mortality Charges (ROMC):

    • Wealth Option:

      • 50% return for 10-14 year policy terms.

      • 100% return for 15+ year policy terms.

    • Income Assured Option (WOP):

      • 25% return for 10-14 year policy terms.

      • 50% return for 15+ year policy terms.

    Fund Boosters: Enhancements at years 15, 20, 25, and 30 of policy.

  3. Goal Ensure Multiplier – Waiver of Premium (WoP) Child Plan

    • Choice of 5 plan options: You can choose from the 5 variants - Wealth, Wealth+Care, Goal Assured, Income Assured, and Smart Child.

    • Fund boosters: Additional charges are applied to premiums to boost the fund value.

    • Return of charges: Return of fund management charges, premium allocation charges, and mortality charges.

    • Waiver of premium: Premiums are waived off in case of the proposer's death, ensuring the plan continues.

    • Top-up option: Increase your savings by making additional payments beyond the regular premiums.

    • Choice of 13 funds: Invest in a variety of funds based on your risk appetite.

  4. Goal Ensure Multiplier – Whole Life Variant – Retirement Plan

    • Smart Withdrawal Facility (SWF): SWF is a systematic method for setting up automatic withdrawals from your fund.

      • The Goal Ensure Multiplier Retirement Plan offers a Whole Life Variant with SWF.

      • Withdrawals start from the 11th Policy Year or upon SWF request, continuing until stopped.

      • Withdrawal options include 1-12% of the fund value at a desired frequency, with each instalment at least Rs. 1000.

    • Choice of 5 plan options: You can choose from options focused on wealth accumulation, wealth accumulation with critical illness cover, goal assurance, income assurance, or child protection.

    • Additional benefits: Depending on the chosen option, you can avail of benefits like waiver of premium on critical illness, guaranteed income for your nominee after death, or life insurance cover for your child.

Benefits of Investing in PNB MetLife Small Cap Fund at Policybazaar

  • Transparent Charges: Policybazaar ensures a clear understanding of charges associated with PNB MetLife Small Cap Fund purchase, promoting transparency in investment.

  • Convenient Online Investing: Easily invest in PNB MetLife Small Cap Fund through the online platform of Policybazaar, eliminating the need for in-person visits to banks or agents.

  • Comparative Analysis: Policybazaar provides a platform for comparing various plans, including PNB New Fund Offering (NFOs), enabling informed decision-making and securing the best deal.

  • Expert Financial Guidance: Access a team of financial experts at Policybazaar to help choose the most suitable PNB MetLife Small Cap Fund plan based on specific requirements and financial goals.

  • Tax Advantages: Investing through Policybazaar in PNB Small Cap Fund can offer tax advantages, with the platform assisting in understanding and optimizing potential tax benefits for financial planning.

  • Effortless Redemption: Policybazaar simplifies the redemption process for PNB MetLife Small Cap Fund investment, subject to terms and conditions outlined in the NFO document.

How to Buy PNB MetLife Small Cap Fund from Policybazaar?

Follow the steps mentioned below to start investing in the PNB MetLife Smallcap 100 NFO:

Step 1: Fill out your name and contact number in the form on this page.

NOTE: Your information is completely safe and secure. It will be used only to personalize your plan benefits.

Step 2: Insert necessary details like your city, age, and income.

Step 3: Compare different plans based on their performance, ratings, and other relevant factors.

Step 4: Choose from the following the following PNB MetLife Savings Plans to access the new PNB MetLife smallcap NFO:

  • PNB MetLife Mera Wealth Plan

  • PNB MetLife Capital Guarantee Solution – Savings Plan

  • PNB MetLife Capital Guarantee Solution – Waiver of Premium (WoP)

  • PNB MetLife Capital Guarantee Solution – Whole Life Plan

  • Goal Ensure Multiplier Savings Plan

  • Goal Ensure Multiplier – Waiver of Premium (WoP)

  • Goal Ensure Multiplier – Whole Life Plan

Step 5: Click on "Invest Now" and follow the on-screen prompts to complete your purchase.

Step 6: Provide the necessary KYC details and finalize the payment.

Step 7: Receive confirmation of your purchase once the payment is successful.

Conclusion

The PNB MetLife Small Cap Fund presents an attractive opportunity for investors seeking potential high growth in the smallcap segment of the market. With a focus on carefully selected smallcap companies, the new PNB Small Cap NFO aims to deliver competitive returns over the long term. Its strategic approach, coupled with experienced management, makes it a compelling choice for investors looking to diversify their portfolio and capitalize on the growth potential of smallcap stocks.

 

PNB MetLife Small Cap Fund– FAQs

  • Which PNB MetLife Plans offer the PNB Smallcap Fund?

    You can invest in the PNB Smallcap Fund by purchasing the following plans:
    • PNB MetLife Mera Wealth Plan

    • PNB MetLife Capital Guarantee Solution – Savings Plan

    • PNB MetLife Capital Guarantee Solution – Waiver of Premium (WoP)

    • PNB MetLife Capital Guarantee Solution – Whole Life Plan

    • Goal Ensure Multiplier Savings Plan

    • Goal Ensure Multiplier – Waiver of Premium (WoP)

    • Goal Ensure Multiplier – Whole Life Plan

  • What is the NAV of PNB MetLife Smallcap Fund NFO?

    The starting Net Asset Value of PNB MetLife Smallcap Fund NFO is Rs. 10 per unit from 19 February till 29 February 2024.
  • Who should invest in the PNB MetLife Smallcap Fund?

    The following types of investors might consider investing in new PNB MetLife Smallcap Fund 2024:
    • High-risk tolerance: Comfortable with significant potential losses for higher returns.

    • Long-term investment horizon: Preferably 5 years or longer.

    • Seeking growth opportunities: Particularly in smallcap stocks.

    • Diversified portfolio: Looking to add exposure to smallcap stocks for potential diversification benefits.

  • How does the PNB MetLife Smallcap Fund benchmark its performance?

    The latest PNB MetLife Smallcap Fund compares its performance with the Nifty Smallcap 100 Index.
  • What are the tax implications under the PNB MetLife Smallcap Fund?

    You can get up to Rs. 1.5 lakhs deduction under Section 80C and tax-free returns under Section 10(10D) of the Income Tax Act, if your premium is less than Rs. 2.5 lakhs in the PNB MetLife New Fund 2024.
  • Why invest in small-cap funds?

    Small cap funds offer the potential for higher returns due to faster growth possibilities of smaller companies. However, this comes with the trade-off of higher volatility and risk. They can be a good option for long-term investors (5+ years) with a high-risk tolerance seeking to diversify their portfolio and potentially boost returns.
  • How do I choose a small-cap mutual fund?

    Consider factors like fund performance, investment philosophy, experience of the fund manager, fees, and your own risk tolerance and investment goals. Do thorough research and compare different funds at Policybazaar before investing.
  • Which are the PNB Small Cap Mutual Funds available?

    PNB offers two small-cap mutual funds:
    • PNB Small Cap Growth Fund

    • PNB Small Cap Value Fund

  • Are there any tax benefits in PNB small cap mutual funds?

    If you hold the PNB smallcap funds for over one year qualify for long-term capital gains tax of 10% without indexation, making them potentially tax-saving investment options.
  • Is PNB Small Cap Fund right for me?

    Whether or not PNB Small Cap Fund is right for you depends on your individual investment goals, risk tolerance, and investment time horizon. You should carefully consider your own circumstances before investing in any mutual fund.

*Past 5 Year annualised returns as on 01-04-2024
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.
**Returns as on 18th Feb'24. 31% returns are returns for PNB MetLife Midcap Fund for the last 5 years.

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Fund Reviews & Ratings
4.7 / 5 (Based on 50 Reviews)
(Showing Newest 10 reviews)
Nisha
Panaji, March 20, 2024
Brighter Future with PNB MetLife
PNB MetLife helps you plan for a brighter future.
Andre
Surat, March 19, 2024
Steady Growth
One can grow savings steadily with PNB MetLife investments.
Tanya
Ahmedabad, March 18, 2024
Diverse PNB Plans
PNB MetLife investment plans suit different risk appetite invetors.
Rohan
Pune, March 17, 2024
Flexible Options
PNB MetLife offers flexible investment options for all goals.
Shalini
Mumbai, March 17, 2024
Transparent Choices
Transparent and reliable investment choices with PNB MetLife through Policybazaar.
Jamal
Jorhat, March 16, 2024
Great Addition
PNB Small Cap NFO is a great addition to investment plans.
Aruna
Dibrugarh, March 15, 2024
Great Addition
PNB Small Cap NFO gave me impressive ROI minimal effort.
Debajit
Silchar, March 15, 2024
Minimal Effort
PNB Small Cap NFO delivers solid profits.
Pranab
Aizawl, March 14, 2024
Profitable Choice
Policybazaars PNB small cap fund exceeded my expectations.
Bijoy
Kohima, March 14, 2024
Exceptional Returns
PNB small cap fund through Policybazaar is excellent choice for profitable returns.
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