PGIM SIP Investment

DHFL SIP Plans were Systematic Investment Plans offered by Dewan Housing Finance Corporation Limited (DHFL). In 2021, DHFL merged with PGIM to become a part of an entity called PGIM India Asset Management. PGIM SIP plans are a way to regularly invest a fixed amount in PGIM India Mutual Funds, benefiting from rupee-cost averaging and automated investing for long-term wealth building.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry free investing

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.79 17.49 16.77 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.13 14.43 14.55 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.61 14.79 14.23 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.42 13.27 13.64 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.08 12 13.57 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 12.83 13.3 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.27 11.54 13.22 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.62 12.84 12.93 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.71 11.3 12.74 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.62 11.99 12.39 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.13 14.43 14.55 %

View Fund

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.61 14.79 14.23 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.08 12 13.57 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 12.83 13.3 %

View Fund

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.62 12.84 12.93 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.71 11.3 12.74 %

View Fund

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.62 11.99 12.39 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.98 10.46 12 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹965

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.83 11.19 11.78 %

View Fund

Super 20

AUM (Cr)

₹2,097

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.41 10.06 11.57 %

View Fund

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.79 17.49 16.77 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.42 13.27 13.64 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.27 11.54 13.22 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,938

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21 18.96 22 %

View Fund

High Growth Fund

AUM (Cr)

₹12,572

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.85 19.5 17.59 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.51 13.09 14.1 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,553

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.78 11.82 12.45 %

View Fund

Flexi Cap

AUM (Cr)

₹1,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.99 11.78 12.18 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,551

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.28 11.53 11.84 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹526

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.3 10.29 10.69 %

View Fund

Asset Allocation

AUM (Cr)

₹242

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.13 8.4 9.72 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹823

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.66 6.84 7.28 %

View Fund

Debt Fund

AUM (Cr)

₹499

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.27 6.81 7.03 %

View Fund

Bond Fund

AUM (Cr)

₹117

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.98 6.58 6.92 %

View Fund

Conservative Fund

AUM (Cr)

₹189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.8 6.59 6.9 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹171

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.2 6.39 6.85 %

View Fund

Steady Money Fund

AUM (Cr)

₹77

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.42 6.43 6.81 %

View Fund

Bond Fund

AUM (Cr)

₹16,781

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.29 6.29 6.62 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹172

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.6 5.98 6.6 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.21 6.45 6.59 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹904

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.47 14.83 14.83 %

View Fund

Balanced Fund

AUM (Cr)

₹354

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.57 9.36 9.89 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹62

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.68 8.44 9.61 %

View Fund

Creator

AUM (Cr)

₹460

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.49 8.54 9.53 %

View Fund

Balanced Fund

AUM (Cr)

₹5,072

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.46 8.39 9.48 %

View Fund

Balanced Fund

AUM (Cr)

₹21,160

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.07 8.33 9.27 %

View Fund

Balancer II

AUM (Cr)

₹807

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.28 8.81 9.24 %

View Fund

Growth Fund

AUM (Cr)

₹6,860

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.59 8.58 9.13 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹272

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.63 8.26 9.07 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,775

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.27 8.39 8.86 %

View Fund

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:

Regular Investment: You invest a fixed amount at chosen intervals.
Unit Allocation: You get fund units based on the NAV on the investment date.
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.
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

Fund Name	5 Years	7 Years	10 Years
	Returns
Top 300 Fund SBI Life Rating	8.88%	10.5%	11.55% View Plan
Opportunities Fund HDFC Life Rating	12.42%	13.27%	13.64% View Plan
High Growth Fund Axis Max Life Rating	17.85%	19.5%	17.59% View Plan
Opportunities Fund ICICI Prudential Life Rating	11.28%	11.53%	11.84% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	18.96%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	12.27%	11.54%	13.22% View Plan
Multiplier Birla Sun Life Rating	14.37%	13.37%	14.74% View Plan
Virtue II PNB MetLife Rating	12.61%	14.79%	14.23% View Plan
Equity II Fund Canara HSBC Life Rating	8.46%	8.24%	9.73% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.49%	8.34%	9.68% View Plan

Fund rating powered by

Last updated: Mar 2026

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹1,748.84 Crs	28.91%	N/A	N/A	₹500	28.94%
Bandhan Small Cap Fund Regular-Growth	₹20,474.12 Crs	26.07%	20.2%	N/A	₹1,000	25.81%
Motilal Oswal Midcap Fund Regular-Growth	₹33,689.20 Crs	17.76%	19.95%	15.5%	₹500	18.83%
ICICI Prudential Infrastructure Fund-Growth	₹8,097.89 Crs	20.26%	23.55%	17.35%	₹5,000	14.94%
Canara Robeco Large Cap Fund Regular-Growth	₹17,103.62 Crs	11.03%	9.6%	12.89%	₹100	11.61%
Mirae Asset Large Cap Fund Direct- Growth	₹40,184.41 Crs	10.21%	9.85%	13.44%	₹5,000	14.5%
Kotak Midcap Fund Regular-Growth	₹61,694.40 Crs	17.96%	16.27%	17.08%	₹100	14.06%
SBI Small Cap Fund-Growth	₹34,931.73 Crs	10.62%	13.02%	16.74%	₹5,000	17.62%
SBI Gold ETF	₹24,897.99 Crs	33.28%	25.87%	16.3%	₹5,000	13.46%

Updated as of Mar 2026

Compare more funds

Buying the Dip Results in Higher Returns

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

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹1.03 Cr

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

11.7%

Equity Pension

13.64%

Opportunities Fund

17.59%

High Growth Fund

11.84%

Opportunities Fund

22%

Multi Cap Fund

13.22%

Accelerator Mid-Cap Fund II

14.74%

Multiplier

13.3%

Frontline Equity Fund

14.23%

Virtue II

9.73%

Equity II Fund

10.16%

Gift Global Opportunity Maximizer Fund

14.1%

Growth Opportunities Plus Fund

10.69%

Equity Top 250 Fund

12.39%

Future Apex Fund

10.56%

Pension Dynamic Equity Fund

12.93%

Accelerator Fund

Benefits of PGIM SIPs

The key benefits of PGIM SIP plans are as follows:

Discipline: SIPs automate your investment, ensuring consistent contributions regardless of market fluctuations.
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.
Rupee Cost Averaging: PGIM SIPs help average out the cost per unit over time.
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.
Start Small: You can begin investing with a small amount, making it accessible to many.
Smart SIP: PGIM offers Smart SIP, which combines SIP with life insurance coverage that increases over the initial years, providing extra security.

start-an-sip-today-watch-your-money-grow

How Do PGIM SIP Plans Work?

PGIM SIP plans function just like any other SIP offered by companies. Here's how they work:

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.
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.
Automatic Deductions: PGIM will automatically deduct the amount you choose from your linked bank account at the designated intervals.
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.
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.
Growth through Compounding: Any returns generated by the fund are reinvested, leading to growth over time through compounding.
SIP Calculator:Use an online SIP Calculator to estimate your interest earned and total returns on your investment.
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.

Tips for Successful PGIM SIP Investment

Stick to a Disciplined Approach: Consistency is important in SIP investments. Regularly contributing the predetermined amount ensures the benefits of rupee cost averaging and compounding.
Review and Rebalance Periodically: Review the performance of your SIP investments periodically and rebalance the portfolio if needed to align with your financial goals.
Stay Informed about Market Trends: Keeping track of market trends and staying informed about the performance of your SIP funds can help make informed investment decisions.

start-small-&-build-your-wealth-for-a-brighter-tomorrow

Summary

PGIM SIP Plans offer you a disciplined and convenient route to invest in the best SIP plans. By contributing fixed amounts at regular intervals, you could benefit from rupee cost averaging and the potential for long-term wealth creation.

FAQs

Does PGIM offer any unique SIP features?

Yes, PGIM offers Smart SIP, which combines SIP with life insurance cover for the initial investment period.
How do I choose a PGIM SIP plan?

Before choosing a PGIM SIP plan, consider your investment goals, risk tolerance, and investment horizon. PGIM offers a variety of fund schemes across different asset classes (equity, debt, hybrid) to cater to diverse investor needs.
Are there any minimum investment amounts for PGIM SIPs?

PGIM often allows you to start investing with a minimum amount, sometimes as low as Rs. 1000 monthly. However, it's advisable to check the specific scheme details for confirmation.
What are Equity, Debt and Hybrid Funds?
- Equity Funds: Invest in stocks of companies, aiming for high returns but with higher risk due to market fluctuations.
- Debt Funds: Invest in bonds and government securities, offering lower risk and predictable income but with moderate returns.
- Hybrid Funds: A mix of equity and debt investments, balancing risk and returns. The risk profile depends on the specific allocation between the two asset classes. They aim for a balance between growth potential and income generation.

PGIM SIP Investment

Best SIP Funds

What are PGIM SIP Plans?

Here’s how they work:

What are the SIP Plans Offered by PGIM?

SIP Calculator

Benefits of PGIM SIPs

How Do PGIM SIP Plans Work?

Tips for Successful PGIM SIP Investment

Summary

FAQs

Does PGIM offer any unique SIP features?

How do I choose a PGIM SIP plan?

Are there any minimum investment amounts for PGIM SIPs?

What are Equity, Debt and Hybrid Funds?

SIP plans articles

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