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Best DHFL Pramerica Hybrid Mutual Funds

PGIM India mutual fund was set up in 2010 as a part of Prudential Financial Inc.'s global investment management wing, PGIM. The company brought years of investment experience from the USA, Europe, Asia, Latin America and other international markets. It has helped them to gain prominence in the Indian market and position themselves as a leading AMC. The company has an asset management portfolio of approximately Rs. 6522 crores as of 31st March 2021. The company has more than 20 open-ended mutual funds, including the best PGIM hybrid mutual funds.

Hybrid funds or balanced funds have a unique working principle. As their name suggests, they struck a balance between equity and debt funds. Here the fund manager evaluates both equity and money market potentials and invests in them accordingly. 

The best PGIM hybrid mutual fund aims to deliver the best possible returns by generating income via equity investments along with stable wealth appreciation through debt investments. The target here is to curate a stable portfolio. Fund managers remain in charge of the asset allocation for hybrid funds, keeping investors' objectives in mind.

Hybrid mutual funds are classified depending on their asset allocation. For example, if a fund has more than 65% of assets invested in the equity market, it will be treated as an equity hybrid mutual fund. Based on this concept, the fund is further divided into sub-types, such as conservative, aggressive, balanced, dynamic, arbitrage, multi-asset, and equity savings hybrid funds.

Here, conservative funds mainly focus on debt market instruments, whereas aggressive funds have a contrasting approach. Balanced funds bring in equilibrium, and dynamic funds shift their investments as per the market conditions. The focus of multi-asset funds is to invest in at least 3 or more funds to generate the highest possible returns. In arbitrage funds, fund managers mainly focus on equity market instruments.

The major advantage of hybrid funds is their ability to deliver high returns without being exposed to high risk. Since they invest in multiple assets and are actively managed, they can produce expected returns. Here, equity components generate income, and debt components provide safety net market fluctuations.

The best PGIM hybrid mutual funds include more than 4 schemes that come with handsome return prospects.

Taxability

Besides the classification of hybrid funds, one should also learn about their taxability to make an informed decision. A point to note here is that, since the best PGIM hybrid mutual funds constitute both equity and debt funds, the tax treatment depends on the asset allocation of respective funds. Therefore, hybrid funds where the debt component is higher (more than 65%) will be taxed as per the taxation rules of debt funds. On the other hand, funds where the equity component is higher than 65%, will be taxed like an equity fund.

Long-term Capital Gains Tax:  Long-term Capital Gains exceeding Rs. 1 lakh earned on equity-oriented hybrid fund attracts LTCGT at 10% + cess + surcharge. On the other hand, LTCG earned on debt-oriented hybrid funds attracts a tax rate of 20% with indexation benefits. 

Short-term Capital Gains Tax: Short-term Capital Gains on equity-oriented funds attract STCGT at 15% + cess + surcharge. Conversely, for debt-oriented hybrid funds, the capital gains on units held for less than 36 months are taxed as per the investor's income tax slab. 

TDS: A TDS is levied on equity-oriented hybrid funds if the dividend income exceeds Rs. 5000 in a fiscal year. 

Factors to Consider Before Investing

Alongside the taxability of hybrid mutual funds, keep in mind these points to consider before investing for informed decisions.

Investment objective: The first thing to consider while planning a mutual fund investment is its objectives. Financial goals and their timeline are two vital things to be aware of in this process. It will help individuals find the best PGIM hybrid mutual funds 2022 that matches their investment objectives.

Risk appetite: Mutual fund investments are risky, and investors should assess their risk-taking capacity before investing. Even though hybrid funds are more balanced, they are exposed to the market's volatility through equity funds. Hence, one should consider every possibility to find an appropriate scheme from the top PGIM hybrid mutual funds that suits their risk-taking capability. 

Past performance of the fund: Considering the performance record of a fund is also vital. It provides an idea about its performance during different market phases. However, a point to remember here is that previous performance does not guarantee future prospects; it offers an overview to make a better decision.

Holding analysis: It is vital to complete a holding analysis before investing. It offers an outline of investment areas and expected returns.

Experience of the fund manager: Whether one is investing with PGIM India Mutual Funds or any other AMC, it is crucial to check the experience of a fund manager. It will help to understand if they are experienced enough to navigate through different market conditions or not.

Expense ratio: Fund management incurs a cost, and AMCs deduct that from the final returns which is called the expense ratio

Exit load: Asset Management Companies charge an exit load if an investor pulls out of the scheme before a designated period. Generally, the specifics of this fee vary from one scheme to another, while some may not levy an exit load at all. 

Choosing the best PGIM hybrid mutual funds can be tough, especially for inexperienced investors. Nonetheless, they can keep in mind the pointers mentioned above, and with a basic understanding of mutual funds, they can start.

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List of Dhfl Pramerica Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
PGIM India Ultra Short Duration FundDebtLow to Moderate4.1%1₹510
PGIM India Short Duration FundDebtLow to Moderate2.8%2₹26
PGIM India Dynamic Bond FundDebtModerate2.8%4₹136
PGIM India Global Equity Opportunities FundOtherVery High-35.4%--₹1,302
PGIM India Liquid FundDebtLow to Moderate4.1%4₹600
PGIM India Emerging Markets Equity FundOtherVery High-40.1%--₹150
PGIM India Banking & PSU Debt FundDebtLow to Moderate2.5%4₹67
PGIM India Equity Savings FundHybridLow to Moderate2.8%3₹169
PGIM India Large Cap FundEquityVery High-8.1%2₹403
PGIM India ELSS Tax Saver FundEquityVery High1.9%4₹398
PGIM India Arbitrage FundHybridLow4.0%2₹136
PGIM India Midcap Opportunities FundEquityVery High5.3%5₹6,614
PGIM India Flexi Cap FundEquityVery High-7.1%5₹5,081
PGIM India Gilt FundDebtModerate2.0%3₹151
PGIM India Credit Risk FundDebtLow to Moderate9.6%2₹39
View All

Let's have a closer look

Now let us jump and check about these top 15 mutual fund schemes.

PGIM India Ultra Short Duration Direct Growth

Fund Performance: The PGIM India Ultra Short Duration Fund has given 4.9% annualized returns in the past three years and 7.26% in the last 5 years. The PGIM India Ultra Short Duration Fund belongs to the Debt category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Ultra Short Duration Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹510Cr
1Y Returns4.1%

PGIM India Short Duration Fund Direct Growth

Fund Performance: The PGIM India Short Duration Fund has given 5.27% annualized returns in the past three years and 4.44% in the last 5 years. The PGIM India Short Duration Fund belongs to the Debt category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Short Duration Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹26Cr
1Y Returns2.8%

PGIM India Dynamic Bond Direct Plan Growth

Fund Performance: The PGIM India Dynamic Bond Fund has given 6.08% annualized returns in the past three years and 6.77% in the last 5 years. The PGIM India Dynamic Bond Fund belongs to the Debt category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Dynamic Bond Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹136Cr
1Y Returns2.8%

PGIM India Global Equity Opportunities Fund Direct Growth

Fund Performance: The PGIM India Global Equity Opportunities Fund has given 11.01% annualized returns in the past three years and 11.47% in the last 5 years. The PGIM India Global Equity Opportunities Fund belongs to the Other category of PGIM India Mutual Funds.

Minimum Investment Amount:

Min Investment Amt₹5,000
AUM₹1,302Cr
1Y Returns-35.4%

PGIM India Liquid Fund Direct Plan Growth

Fund Performance: The PGIM India Liquid Fund has given 4.14% annualized returns in the past three years and 5.38% in the last 5 years. The PGIM India Liquid Fund belongs to the Debt category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Liquid Fund via lump sum is ₹100 and via SIP is ₹1,000.

Min Investment Amt₹100
AUM₹600Cr
1Y Returns4.1%

PGIM India Emerging Markets Equity Fund Direct Growth

Fund Performance: The PGIM India Emerging Markets Equity Fund has given -3.93% annualized returns in the past three years and -2.16% in the last 5 years. The PGIM India Emerging Markets Equity Fund belongs to the Other category of PGIM India Mutual Funds.

Minimum Investment Amount:

Min Investment Amt₹5,000
AUM₹150Cr
1Y Returns-40.1%

PGIM India Banking & PSU Debt Fund Direct Growth

Fund Performance: The PGIM India Banking & PSU Debt Fund has given 6.3% annualized returns in the past three years and 6.89% in the last 5 years. The PGIM India Banking & PSU Debt Fund belongs to the Debt category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Banking & PSU Debt Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹67Cr
1Y Returns2.5%

PGIM India Equity Savings Fund Direct Growth

Fund Performance: The PGIM India Equity Savings Fund has given 8.32% annualized returns in the past three years and 8.32% in the last 5 years. The PGIM India Equity Savings Fund belongs to the Hybrid category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Equity Savings Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹169Cr
1Y Returns2.8%

PGIM India Large Cap Fund Direct Plan Growth

Fund Performance: The PGIM India Large Cap Fund has given 12.73% annualized returns in the past three years and 10.59% in the last 5 years. The PGIM India Large Cap Fund belongs to the Equity category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Large Cap Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹403Cr
1Y Returns-8.1%

PGIM India ELSS Tax Saver Fund Direct Growth

Fund Performance: The PGIM India ELSS Tax Saver Fund has given 19.04% annualized returns in the past three years and 13.95% in the last 5 years. The PGIM India ELSS Tax Saver Fund belongs to the Equity category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India ELSS Tax Saver Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹398Cr
1Y Returns1.9%

PGIM India Arbitrage Fund Direct Growth

Fund Performance: The PGIM India Arbitrage Fund has given 4.41% annualized returns in the past three years and 5.17% in the last 5 years. The PGIM India Arbitrage Fund belongs to the Hybrid category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Arbitrage Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹136Cr
1Y Returns4.0%

PGIM India Midcap Opportunities Fund Direct Growth

Fund Performance: The PGIM India Midcap Opportunities Fund has given 38.75% annualized returns in the past three years and 21.33% in the last 5 years. The PGIM India Midcap Opportunities Fund belongs to the Equity category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Midcap Opportunities Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹6,614Cr
1Y Returns5.3%

PGIM India Flexi Cap Fund Direct Growth

Fund Performance: The PGIM India Flexi Cap Fund has given 24.55% annualized returns in the past three years and 16.53% in the last 5 years. The PGIM India Flexi Cap Fund belongs to the Equity category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Flexi Cap Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹5,081Cr
1Y Returns-7.1%

PGIM India Gilt Direct Plan Growth

Fund Performance: The PGIM India Gilt Fund has given 5.84% annualized returns in the past three years and 6.4% in the last 5 years. The PGIM India Gilt Fund belongs to the Debt category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Gilt Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹151Cr
1Y Returns2.0%

PGIM India Credit Risk Fund Direct Growth

Fund Performance: The PGIM India Credit Risk Fund has given 4.08% annualized returns in the past three years and 5.31% in the last 5 years. The PGIM India Credit Risk Fund belongs to the Debt category of PGIM India Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in PGIM India Credit Risk Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹39Cr
1Y Returns9.6%

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