What are PGIM SIP Plans?
PGIM SIP plans refer to Systematic Investment Plans offered by PGIM India Mutual Fund. SIP is a method to invest a fixed amount of money in a mutual fund or any other fund scheme at regular intervals (monthly, quarterly, etc.). This is a disciplined approach to investing and helps build wealth over time.
Here’s how they work:
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Regular Investment: You invest a fixed amount at chosen intervals.
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Unit Allocation: You get fund units based on the NAV on the investment date.
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Rupee Cost Averaging: Over time, you buy more units when the market is low and fewer when it's high, potentially balancing out the cost per unit.
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Compounding: Reinvesting your returns can grow your wealth over time.
SIPs are a disciplined way to invest and benefit from rupee-cost averaging and compounding.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
22.19% |
|
| Tata AIA |
30.96% |
22.84% |
|
| Bajaj Allianz |
23.63% |
13.87% |
|
| HDFC Standard |
25.19% |
15.94% |
|
| Canara HSBC Oriental Bank |
19.43% |
11.22% |
|
| Bharti AXA |
23.07% |
15.89% |
|
| Birla Sun Life |
26.07% |
15.44% |
|
| ICICI Prudential |
23.04% |
14.48% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24.23% |
17.63% |
|
Fund rating powered by
Last updated: May 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
What are the SIP Plans Offered by PGIM?
Some of the best SIP plans offered by PGIM are as follows:
| Fund Name |
Fund Category |
Risk Profile |
| PGIM India Small Cap Fund |
Equity |
High |
| PGIM India Large Cap Fund: |
Equity |
High |
| PGIM India Flexi Cap Fund |
Equity |
High |
| PGIM India ELSS Tax Saver Fund |
Equity |
High |
| PGIM India Midcap Opportunities Fund |
Equity |
High |
| PGIM India Overnight Fund |
Debt |
Low to Moderate |
| PGIM India Ultra Short Duration Fund |
Debt |
Low to Moderate |
| PGIM India Dynamic Bond Fund |
Debt |
Low to Moderate |
| PGIM India Corporate Bond Fund |
Debt |
Low to Moderate |
| PGIM India Gilt Fund |
Debt |
Low to Moderate |
| PGIM India Arbitrage Fund |
Hybrid |
Moderate |
| PGIM India Hybrid Equity Fund |
Hybrid |
Moderate |
| PGIM India Equity Savings Fund |
Hybrid |
Moderate |
| PGIM India Balanced Advantage Fund |
Hybrid |
Moderate |
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.76%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.39%
Equity II Fund
13.52%
Accelerator Fund
14.6%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.66%
Equity Top 250 Fund
13.49%
Future Apex Fund
12.61%
Pension Opportunities Fund
14.22%
Frontline Equity Fund
15.14%
Virtue II
11.01%
Pension Dynamic Equity Fund
11.94%
Equity Fund
10.29%
Blue-Chip Equity Fund
Benefits of PGIM SIPs
The key benefits of PGIM SIP plans are as follows:
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Discipline: SIPs automate your investment, ensuring consistent contributions regardless of market fluctuations.
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Flexibility and Convenience: PGIM SIPs provide the flexibility to choose the investment amount and the frequency of investment. Investors can start with a modest sum and increase their investments gradually as their income grows.
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Rupee Cost Averaging: PGIM SIPs help average out the cost per unit over time.
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Various Funds: PGIM offers a range of SIP plans invested in various asset classes, allowing investors to diversify their portfolios and reduce the risk associated with market fluctuations.
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Start Small: You can begin investing with a small amount, making it accessible to many.
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Smart SIP: PGIM offers Smart SIP, which combines SIP with life insurance coverage that increases over the initial years, providing extra security.
How Do PGIM SIP Plans Work?
PGIM SIP plans function just like any other SIP offered by companies. Here's how they work:
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Choose a PGIM Fund Scheme: Pick a mutual fund or any other fund offered by PGIM India Mutual Fund that aligns with your investment goals and risk tolerance.
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Set Up Your SIP: Decide a fixed amount you want to invest regularly. This can be a small sum to begin with. You must also choose the investment frequency - monthly, quarterly, or even annually.
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Automatic Deductions: PGIM will automatically deduct the amount you choose from your linked bank account at the designated intervals.
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Unit Allocation: Based on the Net Asset Value (NAV) of the fund on the investment date, you'll receive units of the chosen scheme. NAV reflects the per-unit price of the mutual fund.
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Rupee Cost Averaging: Over time, with consistent SIP contributions, you'll purchase more units when the market is low and fewer units when the market is high. This helps average out the cost per unit over the long term.
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Growth through Compounding: Any returns generated by the fund are reinvested, leading to growth over time through compounding.
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SIP Calculator:Use an online SIP Calculator to estimate your interest earned and total returns on your investment.
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Easy Exit: You can easily exit or redeem your SIP fund units, partially or completely, at any time, based on your financial needs and goals.
