Affluense AI AFFLUENSE

Core Equity Portfolio

PGIM India
PMS Multi Cap & Flexi Cap
Benchmark
Nifty 50 TRI
Inception Date
8 July 2013
Min. Investment
₹50,00,000
AUM (Cr.)
₹119.15
SIP Available
No
STP Available
Yes

Investment Strategy

Investment Approach

The investment strategy focuses on identifying and acquiring stakes in companies exhibiting robust underlying business strength, trading at valuations that are attractive relative to their future earnings potential, anticipated cash generation, and underlying asset worth. These favorable entry points often arise when such businesses encounter transient challenges or are overlooked by prevailing market sentiment.

Investment Objective

The investment strategy aims to achieve capital appreciation through the acquisition of fundamentally sound enterprises. These companies are identified based on their attractive current market pricing and their prospects for substantial long-term wealth generation.

Performance Returns

Returns as on 2025-12-31

Trailing Returns

Period Strategy Benchmark Outperformance
1 MONTH -0.52% -0.28% -0.24%
3 MONTHS 3.37% 6.33% -2.96%
6 MONTHS -3.48% 2.92% -6.40%
1 YEAR -3.60% 11.88% -15.48%
2 YEAR 5.63% 10.97% -5.34%
3 YEAR 11.28% 14.32% -3.04%
5 YEAR 15.90% 14.68% 1.22%
SINCE INCEPTION 14.36% 14.07% 0.29%

Calendar Year Performance

Year Return
CY 2025 -3.60%
CY 2024 15.65%
CY 2023 23.37%
CY 2022 10.82%
CY 2021 35.06%
CY 2020 7.65%
CY 2019 -0.83%
CY 2018 -3.30%
CY 2017 22.83%
CY 2016 9.21%
CY 2015 1.83%
CY 2014 61.69%
CY 2013 13.27%

Financial Year Performance

Year Return
FY 26_YTD 4.00%
FY 25 6.18%
FY 24 29.91%
FY 23 4.89%
FY 22 24.29%
FY 21 53.23%
FY 20 -23.66%
FY 19 3.82%
FY 18 5.44%
FY 17 23.05%
FY 16 -2.24%
FY 15 41.75%
FY 14 30.40%
FY 13 13.27%

Past performance is not indicative of future results. Returns are subject to market risks.

Fund Managers

Surjitt Singh Arora

Fund Manager, PMS

Surjitt Singh Arora serves as a Portfolio Manager within the Portfolio Management Services division at PGIM India Asset Management Private Limited. He is responsible for managing the PGIM India Phoenix Portfolio and the PGIM India Core Equity Portfolio. Mr. Arora holds a Bachelor of Management Studies from Sydenham College, Mumbai, and a Master of Management Studies from the Sydenham Institute of Management and Research (SIMSREE), Mumbai. With over 16 years of comprehensive experience in equity markets, including more than six years in the asset management sector, Surjitt Singh Arora brings a wealth of expertise. His prior role was Head – PMS and Principal Officer at Tata Asset Management. Before that, he contributed as an Equity Research Analyst at Tata Mutual Fund.

Portfolio Details

Portfolio Composition

Large Cap
58.10%
Mid Cap
27.26%
Small Cap
7.33%
Cash & Equivalent
2.02%

Top 5 Holdings

  • Shriram Finance Limited 5.88%
  • Reliance Industries Ltd 5.77%
  • Axis Bank Ltd. 5.27%
  • Hdfc Life Insurance Company Limited 5.16%
  • UltraTech Cement Ltd 4.70%

Top 5 Sectors

  • Financial Services 20.92%
  • Healthcare 13.04%
  • Capital Goods 11.02%
  • Information Technology 8.22%
  • Automobile and Auto Components 7.98%

Portfolio Characteristics

total number of stocks
23
top 5 stocks percent
26.78%
top 5 sectors percent
61.18%
average market cap
N/A
portfolio age
12 Yrs, 5 Months
sip
Not Available
stp
Available

Fee Structure

Fixed Fee

AMC: 2.5%

Variable Fee

AMC: 1.5%

Hurdle: 10%

Profit Sharing: 20%

Exit Load

Year 1: 3%

Year 2: 2%

Year 3: 1%

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Disclaimer

Returns are as of 2025-12-31. Returns for periods up to one year are not annualized. Returns for periods exceeding one year are annualized. Returns are computed using the Time Weighted Rate of Return (TWRR) methodology and are provided by the respective Asset Management Companies (AMCs). 'ND' denotes 'No Data', and 'NA' denotes 'Not Applicable'. The performance of the respective Benchmark Indices is presented above. Benchmark(s) are as defined in SEBI circular no. SEBI/HO/IMD/IMD-PoD-2/P/CIR/2022/172 dated December 16, 2022, APMI circular no. APMI/2022-23/02 dated March 23, 2023, and Revised Annexure-1.

This page is provided solely for general informational purposes in relation to the strategy and is based on publicly available information. While reasonable care has been taken to ensure accuracy, the information may not reflect the most recent updates.

Nothing on this page constitutes investment, financial, or legal advice. Investment decisions should be made after consulting a qualified advisor and reviewing official scheme documents.

Last Updated: January 2026 · Published by Affluense AI (affluense.ai)