What is sector allocation in the portfolio?

The distribution of assets among various economic sectors is referred to as sector allocation in a portfolio. These sectors include technology, healthcare, financial, energy, and many others.

How do I create a good mutual fund portfolio?

Building a good portfolio requires proper research and knowing about goals that need to be achieved. Set a boundary for your risk capacity, study about different funds and look at its past performance. Balance portfolio according to set goals and stay informed.

What is the ideal number of funds to have in a portfolio?

There is no ideal number, but it is always advisable to keep 4-5 funds in the portfolio as it can be easy to manage them and correct decisions can be taken according to it. Diversification is the key to manage and balance your portfolio for smooth growth.

How to maintain a good portfolio?

Timely monitoring of the portfolio keeps us aware of the changes in the ongoing market trends. It helps in making plans for any policy change.

How does risk tolerance play a role in determining portfolio allocation?

Risk tolerance is an important factor in maintaining portfolio allocation. With the correct mix of assets, the value of investments can improve significantly.

PGIM India Retirement Fund - Regular (G) - Portfolio Analysis

Portfolio Overview

As of January 31, 2026

Asset Allocation

Equity: 95.07%Others: 4.78%Debt: 0.15%

Market Cap

Large Cap: 40.67%Mid Cap: 28.64%Small Cap: 25.76%

Number of stocks

Top 10 Holdings

58.24% of portfolio

Market Cap of Equity

Large Cap

40.6700%

Mid Cap

28.6400%

Small Cap

25.7600%

Companies Allocation of Equity

ICICI BANK LIMITED EQ NEW FV RS. 2/-11.26%

HDFC BANK LIMITED EQ NEW FV RE. 1/-9.62%

RELIANCE INDUSTRIES LIMITED EQ8.28%

Multi Commodity Exchange of India Limited6.14%

BHARTI AIRTEL LIMITED EQ NEW FV RS 5/-4.40%

SOLAR INDUSTRIES INDIA LIMITED EQ NEW FV RS. 2/-4.08%

TATA CONSULTANCY SERVICES LIMITED EQ NEW FV RE.1/-4.00%

Bajaj Finance Limited3.82%

ZOMATO LIMITED EQ3.38%

Varun Beverages Ltd3.26%

Sector Allocation of Equity

Banks11.47%

Petroleum Products4.14%

Capital Markets5.57%

Telecom - Services3.51%

Chemicals & Petrochemicals5.44%

IT - Software3.65%

Finance2.67%

Retailing4.27%

Beverages2.19%

Fertilizers & Agrochemicals2.37%

Pharmaceuticals & Biotechnology8.32%

Cement & Cement Products2.29%

Insurance2.11%

Healthcare Services3.54%

Industrial Products3.15%

Consumer Durables4.99%

IT - Services2.31%

Realty1.12%

Food Products2.82%

Auto Components4.69%

Power1.31%

Automobiles0.92%

Aerospace & Defense1.64%

Construction0.90%

Household Products0.88%

Personal Products0.88%

Transport Infrastructure0.88%

Agricultural, Commercial & Construction Vehicles0.82%

Other Consumer Services0.81%

Electrical Equipment1.29%

Commercial Services & Supplies1.25%

Transport Services0.97%

Financial Technology (Fintech)0.96%

Textiles & Apparels0.53%

Leisure Services0.41%

Monthly SIP

One Time

SIP Amount

₹

Monthly SIP Date

PGIM India Retirement Fund - Regular (G)

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Frequently Asked Questions

Everything You Need To Know To Get Started With Confidence

In mutual funds, "market cap allocation" means how assets of the fund are divided among various market capitalizations, which are based on the total market value of the outstanding shares of stock of a company. Market capitalization falls into three major categories: Large-cap, Mid-cap, Small-cap funds.