PGIM India Equity Savings Fund vs SBI EQUITY SAVINGS FUND
PGIM India Equity Savings Fund and SBI EQUITY SAVINGS FUND are both Equity Savings funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +7.12% vs +8.21%, 5-year CAGR +6.33% vs +8.09%, volatility 3.54% vs 5.03%, maximum drawdown −16.24% vs −19.46%. Their portfolios overlap by 29.8% (33 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| PGIM India Equity Savings | SBI EQUITY SAVINGS | |
|---|---|---|
| Fund house | PGIM India Mutual Fund | SBI Mutual Fund |
| Compared as | Equity Savings | Equity Savings |
| NAV | ₹59.2570 | ₹27.6521 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 8 Mar 2016 | 3 Jun 2015 |
| Track record | 10.7 yrs | 11.4 yrs |
| Fund size (AUM) | ₹57 Cr | ₹5,413 Cr |
| Securities held | 59 | 107 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| PGIM India Equity Savings | SBI EQUITY SAVINGS | |
|---|---|---|
| 1 month | +2.70% | +1.65% |
| 3 months | +1.02% | +0.36% |
| 6 months | +3.76% | +2.14% |
| 1 year | +4.53% | +3.19% |
| 3 years (CAGR) | +7.12% | +8.21% |
| 5 years (CAGR) | +6.33% | +8.09% |
| 7 years (CAGR) | +7.60% | +9.73% |
| 10 years (CAGR) | +7.77% | +9.21% |
| Since launch (CAGR) | +8.01% | +9.34% |
| SIP return (XIRR, 5 years) ⓘ | +6.62% | +8.04% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| PGIM India Equity Savings | SBI EQUITY SAVINGS | |
|---|---|---|
| 2026 (year to date) | +3.56% | +2.49% |
| 2025 | +6.88% | +5.62% |
| 2024 | +8.15% | +12.59% |
| 2023 | +8.96% | +18.13% |
| 2022 | +4.05% | +2.40% |
| 2021 | +13.78% | +13.94% |
Risk
| PGIM India Equity Savings | SBI EQUITY SAVINGS | |
|---|---|---|
| Volatility (annualised) ⓘ | 3.54% | 5.03% |
| Downside volatility ⓘ | 2.66% | 3.52% |
| Sharpe ratio ⓘ | 0.17 | 0.34 |
| Sortino ratio ⓘ | 0.23 | 0.48 |
| Maximum drawdown ⓘ | −16.24% | −19.46% |
| Recovery from that fall | 7 months | 5 months |
| Current fall from peak | 0.00% | 0.00% |
| Rolling 1-year return: worst | −9.36% | −12.02% |
| Rolling 1-year return: median | +7.46% | +9.34% |
| Rolling 1-year return: best | +30.12% | +41.90% |
| Share of 1-year periods with a loss | 3.48% | 3.14% |
Against each fund's benchmark
| PGIM India Equity Savings | SBI EQUITY SAVINGS | |
|---|---|---|
| Beta ⓘ | 0.21 | 0.29 |
| Alpha (Jensen's, annualised) ⓘ | −0.85% | +0.47% |
| R² ⓘ | 88.46 | 71.07 |
| Upside capture | 33.54% | 46.96% |
| Downside capture | 12.41% | 23.83% |
| Tracking error | 11.72% | 10.85% |
| Information ratio | -0.18 | -0.05 |
| Treynor ratio | -0.67 | 4.84 |
Portfolio
Asset mix
| PGIM India Equity Savings | SBI EQUITY SAVINGS | |
|---|---|---|
| Equity | 78.15% | 66.25% |
| Debt | 16.03% | 21.08% |
| Cash & equivalents | 5.82% | 2.21% |
| REITs / InvITs | 0.00% | 5.61% |
| ETF Units | 0.00% | 4.85% |
Market-cap split (share of fund assets)
| PGIM India Equity Savings | SBI EQUITY SAVINGS | |
|---|---|---|
| Large Cap | 59.13% | 57.13% |
| Mid Cap | 5.41% | 8.58% |
| Small Cap | 4.97% | 0.54% |
| Unclassified | 8.64% | 0.00% |
Concentration
| PGIM India Equity Savings | SBI EQUITY SAVINGS | |
|---|---|---|
| Top 10 holdings | 60.79% | 38.72% |
| Effective number of stocks ⓘ | 21.9 | 40.9 |
| Securities held | 59 | 107 |
Portfolio overlap: 29.8%
33 companies are held by both funds; by weight, 29.8% of the two portfolios is the same. That is a moderate overlap.
| Held by both | PGIM India Equity Savings | SBI EQUITY SAVINGS |
|---|---|---|
| HDFC Bank Limited | 6.09% | 5.80% |
| Reliance Industries Limited | 6.15% | 5.04% |
| Kotak Mahindra Bank Limited | 3.11% | 6.73% |
| 7.1% Government of India (08/04/2034) | 8.83% | 2.30% |
| ICICI Bank Limited | 1.90% | 5.14% |
| Bajaj Finance Limited | 5.56% | 1.77% |
| Axis Bank Limited | 2.43% | 1.63% |
| Brookfield India Real Estate Trust | 4.97% | 1.18% |
| Bharti Airtel Limited | 1.14% | 3.58% |
| State Bank of India | 0.93% | 1.20% |
| Infosys Limited | 0.68% | 1.15% |
| Mahindra & Mahindra Limited | 0.48% | 1.76% |
| Tata Steel Ltd. | 7.83% | 0.42% |
| JSW Steel Limited | 0.27% | 0.78% |
| Shriram Finance Limited | 0.26% | 0.24% |
Top 10 holdings
PGIM India Equity Savings
- 7.1% Government of India (08/04/2034)8.83%
- Tata Steel Ltd.7.83%
- Adani Ports and Special Economic Zone Limited6.35%
- Reliance Industries Limited6.15%
- HDFC Bank Limited6.09%
- Titan Company Limited5.79%
- Bajaj Finance Limited5.56%
- Brookfield India Real Estate Trust4.97%
- IndiGrid Infrastructure Trust4.83%
- NMDC Limited4.39%
SBI EQUITY SAVINGS
- Kotak Mahindra Bank Limited6.73%
- HDFC Bank Limited5.80%
- ICICI Bank Limited5.14%
- Reliance Industries Limited5.04%
- Bharti Airtel Limited3.58%
- SBI Liquid Fund - Direct Plan - Growth Option2.92%
- Cholamandalam Investment & Finance Co. Ltd.Perpetual2.72%
- 7.1% Government of India (08/04/2034)2.30%
- Life Insurance Corporation Of India2.29%
- Altius Telecom Infrastructure Trust2.20%
Sector exposure
| PGIM India Equity Savings | SBI EQUITY SAVINGS | |
|---|---|---|
| Banks | 14.46% | 22.99% |
| Sovereign | 12.38% | 4.33% |
| Transport Infrastructure | 9.95% | 1.88% |
| Ferrous Metals | 8.10% | 2.75% |
| Telecom - Services | 1.14% | 6.29% |
| Petroleum Products | 6.15% | 5.07% |
| Consumer Durables | 6.09% | 0.57% |
| Finance | 5.95% | 3.14% |
| Power | 5.35% | 1.54% |
| Realty | 4.97% | 2.87% |
| Mutual Fund/ETF | 0.00% | 4.85% |
| Minerals & Mining | 4.39% | 0.11% |
| CRISIL AAA | 3.65% | 4.06% |
| Automobiles | 1.21% | 4.01% |
Questions people ask
What is the difference between PGIM India Equity Savings and SBI EQUITY SAVINGS returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +4.53% vs +3.19%; 3-year CAGR +7.12% vs +8.21%; 5-year CAGR +6.33% vs +8.09%; 10-year CAGR +7.77% vs +9.21%. Past returns do not indicate future returns.
How do PGIM India Equity Savings and SBI EQUITY SAVINGS compare on risk?
Volatility (36 monthly returns, annualised) 3.54% vs 5.03%; Sharpe ratio 0.17 vs 0.34; Sortino ratio 0.23 vs 0.48; maximum drawdown −16.24% vs −19.46%; beta 0.21 vs 0.29.
How much do PGIM India Equity Savings and SBI EQUITY SAVINGS overlap?
By weight, 29.8% of the two portfolios is invested in the same companies; 33 stocks are held by both, the largest shared positions being HDFC Bank Limited, Reliance Industries Limited, Kotak Mahindra Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of PGIM India Equity Savings and SBI EQUITY SAVINGS?
PGIM India Equity Savings: large cap 59.1%, mid cap 5.4%, small cap 5.0%. SBI EQUITY SAVINGS: large cap 57.1%, mid cap 8.6%, small cap 0.5% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 6 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.